Example data model

We propose the following basic data model, which should be sufficient for a first implementation of fraud and AML rules for a fintech.

You can reuse it as it is, or modify it and extend it to best suit your usecase.

transactions

Field name	type	description
object_id	string	required base field
updated_at	timestamp	required base field
account_id	string	id of the parent account
amount	number	amount in minor currency unit
label	string	free text label of the transaction
created_at	timestamp	initiation timestamp
settled_at	timestamp	effective settlement timestamp (if present)
payment_method	string	enumerated field, identifier of the payment type
currency	string
status	string	enumerated field, status of the transaction (pending, canceled...)

link transactions.account_id=accounts.object_id

Field name	type	description
object_id	string	required base field
updated_at	timestamp	required base field
company_id	string	id of the parent company
balance	number	balance in minor currency unit
status	string	enumerated field, status of the account (active, closed...)
balance_at	timestamp	timestamp of last balance computation
type	string	type of the wallet (e-money, crypto, bank account...)

link accounts.company_id=companies.object_id

Field name	type	description
object_id	string	required base field
updated_at	timestamp	required base field
legal_name	string	name of the company
kyc_level	number	level of KYC validation
trade_name	string
registration_number	string	company legal identification number
corporate_tax_id	string
country_of_registration	string	ISO3 country of registration

Field name	type	description
object_id	string	required base field
updated_at	timestamp	required base field
type	string
company_id	string	id of the related company
event_at	timestamp	timestamp where the event happened

link events.company_id=companies.object_id

Field name	type	description
object_id	string	required base field
updated_at	timestamp	required base field
full_name	string
company_id	string	id of the parent company
residence_country	string	ISO3 residence country
email	string	email address
birthdate	timestamp	timestamp corresponding to the birth date
phone_number	string	phone number

link users.company_id=companies.object_id