Screening levels — Basic and Extended

Every incoming transaction is screened for AML and sanctions exposure before it is credited. What you choose is not whether — it is depth.

What never changes

Every incoming transaction — payment or static-wallet deposit — is screened for AML and sanctions exposure before it is credited. Screening cannot be disabled on any account or configuration. Funds that fail screening never become a spendable balance: the payment or deposit is held (complianceHold) and, if rejected, ends as complianceRejected with nothing credited.

Sub-status	Under	What it means
`complianceHold`	pending · deposit `complianceHold`	Held for compliance review. Not credited.
`complianceRejected`	failed · deposit `complianceRejected`	Rejected by compliance. Nothing credited; on a deposit already credited, the credit is reversed. Terminal.

What you choose

Depth. Basic is included in the 0.4% rate; the specific checks it performs are not published. Extended additionally runs every transaction through independent blockchain-analytics providers and carries a $0.45 minimum service fee per payment.

complianceLevel: basic

Basic

Included in the 0.4% rate. No minimum service fee. Every transaction is still screened before crediting.

complianceLevel: extended

Extended

Adds independent blockchain-analytics providers on every transaction. Carries the $0.45 minimum service fee per payment.

Where the level is set

Per payment (complianceLevel at creation), or inherited: a payment that doesn't specify a level takes your project or organization default. Check your default before going live — it determines whether the $0.45 minimum applies to payments your code creates without an explicit level. The most specific setting wins.

terminal

curl -X POST https://api.suward.com/v1/payments \
  -H "X-Api-Key: $SUWARD_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "5000000",
    "asset": "USDT_ARBITRUM",
    "complianceLevel": "basic"
  }'

The default is inherited, not neutral

Omitting complianceLevel does not mean "cheapest". It means "whatever the project or organization is set to" — and the platform default is Extended, which carries the $0.45 minimum. On small tickets that is the difference that matters. → Fees & who pays what

What your compliance team can rely on

Screening runs before crediting, on every transaction, at every level; sanctioned-jurisdiction exposure is blocked in the pipeline; transaction patterns are monitored continuously. The screening outcome is visible per payment and per deposit in its status history.

Related: the fee side of levels → Fees & who pays what · the public commitment → suward.com/compliance and the AML Policy.

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Something unclear? payments@suward.com — we treat every integration question as a documentation defect.