Beyond Compliance APIs

EMTECH Compliance APIs v3

The EMTECH Compliance APIs v3 provide a comprehensive suite of regulatory reporting endpoints for financial services. This version introduces enhanced batch processing capabilities, improved authentication, and streamlined reporting workflows designed specifically for upstream regulatory compliance.

🚀 What's New in v3

Key Improvements

• 🔒 Enhanced Authentication: OAuth 2.0 with scoped access control
• 📦 Batch Processing: Submit multiple events in a single request (up to 100 items)
• 📊 Advanced Schemas: Comprehensive data validation and typing
• 🎯 POST-Only Design: Optimized for regulatory reporting workflows
• 📈 Better Error Handling: Detailed validation errors with correlation IDs
• ⚡ Rate Limiting: Built-in rate limiting with quota management
• 🔍 Audit Trails: Enhanced compliance tracking and metadata

Architecture Overview

Code
 
graph LR
    subgraph "Client App"
        A1[Reports Generator]
        A2[Batch Processor]
    end
    
    subgraph "Authentication Server"
        B1[OAuth 2.0 Token Server]
        B2[Token Validation Service]
    end
    
    subgraph "Regulatory Database"
        C1[Compliance Events Storage]
        C2[Audit Trails]
    end
    
    A1 <--> B1
    A2 <--> B2
    B2 <--> C1
    B2 <--> C2

📚 API Services

1. Authentication API

• Purpose: OAuth 2.0 token management
• Endpoints: Token issuance, refresh, introspection, revocation
• Scopes: compliance:read, compliance:write, reports:submit, reports:read

2. Remittance API

• Purpose: Cross-border money transfer reporting
• Features: Transfer reporting, event tracking, risk assessment
• Batch Support: ✅ Up to 100 transfers per batch

3. Payment Service API

• Purpose: Payment transaction and device reporting
• Features: Transaction reporting, device management, consumer complaints
• Batch Support: ✅ Up to 100 transactions per batch

4. Crowdfunding API

• Purpose: Crowdfunding campaign and investment reporting
• Features: Campaign management, account reporting, funding events
• Batch Support: ✅ Up to 100 events per batch

5. Microlending API

• Purpose: Loan application and lifecycle reporting
• Features: Application reporting, status tracking, loan events
• Batch Support: ✅ Up to 100 applications per batch

🔧 Quick Start

1. Authentication

Code
 
# Get access token
curl -X POST https://api.qa-sandbox.emtech.com/integration/v3/auth/token -H "Content-Type: application/x-www-form-urlencoded" -H "Authorization: Basic <base64(client_id:client_secret)>" ```

### 2. Single Report Submission

```bash
# Submit single remittance transfer
curl -X POST https://api.qa-sandbox.emtech.com/integration/v3/compliance/remittance/report-transfers -H "Authorization: Bearer <access_token>" -H "Content-Type: application/json" -d '{
    "id": "TXN-001",
    "timestamp": "2024-08-15T14:15:22Z",
    "status": {"type": "SUCCEEDED"},
    "channel": "MOBILE_APP",
    "origin": {
    "account": {"id": "SENDER-001", "type": "BANK"},
    "user": {"id": "USER-001"},
    "amount": {"value": 100000, "currency": "NGN"}
    },
    "destination": {
    "account": {"id": "RECEIVER-001", "type": "MOBILE_MONEY"},
    "user": {"id": "USER-002"},
    "amount": {"value": 25000, "currency": "GHS"}
    }
}'

3. Batch Report Submission

Code
 
# Submit batch of remittance transfers
curl -X POST https://api.qa-sandbox.emtech.com/integration/v3/compliance/remittance/report-transfers -H "Authorization: Bearer <access_token>" -H "Content-Type: application/json" -d '{
    "metadata": {
    "batchId": "BATCH-20240815-001",
    "totalItems": 2,
    "submittedBy": "API-CLIENT"
    },
    "items": [
    {
        "id": "TXN-001",
        "data": {
        "id": "TXN-001",
        "timestamp": "2024-08-15T14:15:22Z",
        "status": {"type": "SUCCEEDED"}
        }
    },
    {
        "id": "TXN-002", 
        "data": {
        "id": "TXN-002",
        "timestamp": "2024-08-15T14:16:22Z",
        "status": {"type": "FAILED"}
        }
    }
    ]
}'

🛠️ Development Tools

Validation Script

Code
 
# Validate all API specifications
cd v3/
./validate-all.sh

Schema Bundling

Code
 
# Bundle specifications with resolved references
swagger-cli bundle remittance.yaml -o bundles/remittance-bundled.yaml

Testing

Code
 
# Run API tests (if test suite is available)
npm test

🔍 Key Features

Batch Processing

• Efficiency: Submit up to 100 reports in a single request
• Atomicity: All-or-nothing processing with rollback capability
• Progress Tracking: Real-time processing status updates
• Error Isolation: Individual item errors don't fail entire batch

Enhanced Security

• OAuth 2.0: Industry-standard authentication
• Scoped Access: Fine-grained permission control
• Token Management: Refresh, introspection, and revocation
• Rate Limiting: Prevent abuse and ensure fair usage

Compliance Features

• Audit Trails: Complete tracking of all submissions
• Correlation IDs: End-to-end request tracking
• Metadata: Rich contextual information
• Risk Assessment: Built-in risk scoring and flagging

Developer Experience

• OpenAPI 3.1.0: Complete API documentation
• Comprehensive Examples: Real-world usage samples
• Validation Tools: Built-in specification validation
• Error Details: Detailed field-level validation errors

🌐 Base URLs

• Production: https://api.emtech.com/integration-live/v3
• Sandbox: https://api.qa-sandbox.emtech.com/integration/v3

📞 Support

• Email: drpsupport@emtech.com
• Documentation: EMTECH Developer Portal
• Status Page: EMTECH Status

📝 License

Commercial - Contact EMTECH for licensing terms.

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This documentation covers EMTECH Compliance APIs v3. For previous versions, please refer to the legacy documentation.