API-first architecture enables organisations to embed compliance screening, monitoring, and decisioning directly into their existing technology stack. Rather than relying on standalone tools or manual workflows, API-driven integration allows compliance controls to operate seamlessly within customer journeys, payment flows, and transaction processing systems.

Within the Facctum platform, API-first architecture underpins solutions such as Customer Screening, Payment Screening, and Transaction Monitoring, supporting real-time compliance at scale.

Why API-First Architecture Is Needed

Modern financial services platforms operate in real time and rely on interconnected systems. Compliance controls that depend on batch processing or manual intervention can introduce latency, operational risk, and customer friction.

API-first architecture addresses this challenge by enabling compliance capabilities to be invoked programmatically at the point of activity, supporting faster decisions and consistent enforcement across systems.

How API-First Architecture Works

API-first architecture exposes screening, monitoring, and decisioning capabilities through well-defined, secure APIs. These APIs can be called by upstream systems such as onboarding platforms, payment processors, or core banking systems.

Requests and responses are handled in real time, allowing compliance checks to occur synchronously within business workflows while maintaining auditability and control.

What Makes Facctum’s Approach Different

Facctum’s API-first architecture is designed specifically for regulated environments. APIs are built to support real-time performance, resilience, and transparency, with clear request and response structures that facilitate explainability and audit.

This approach enables organisations to modernise compliance operations without compromising regulatory expectations.

Where API-First Architecture Is Used

API-first architecture is applied in scenarios such as:

• Customer onboarding and identity screening

• Real-time payment and transaction screening

• Continuous monitoring integrations

• Integration with core banking and payment systems

These use cases benefit from embedded, low-latency compliance controls.

How API-First Architecture Fits Into The Platform

API-first architecture integrates with all other platform capabilities, including real-time screening, probability-based decisioning, continuous monitoring, and audit logging. It provides the technical foundation that enables modular deployment and scalable integration.

This ensures that compliance capabilities can evolve alongside business systems.

Embed Compliance Directly Into Your Systems

Learn how API-first architecture can enable real-time, scalable compliance integration, speak with the Facctum team to understand how this capability supports your platform deployment.