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Confirmation of Payee infrastructure with integrated real-time sanctions screening for Philippine instant payments. AFASA creates significant reimbursement exposure for banks that cannot demonstrate adequate fraud controls to BSP — CoP verification is the most direct evidence of that diligence. Every verification completed in under 10ms, with mathematical proof that no personal data crosses the boundary.
The Compliance Gap
AFASA (RA 12010) makes banks liable to reimburse customers for fraud losses when they fail to maintain adequate risk management controls — with no statutory cap on reimbursement amounts. Banks that demonstrate BSP-compliant fraud controls are protected from liability. Confirmation of Payee is the most direct evidence of that diligence. The gap is real: no CoP system exists anywhere in the Philippines or ASEAN.
Under AFASA, banks that fail to demonstrate adequate fraud controls to BSP must reimburse customers for fraud losses — with no statutory ceiling. The protection exists, but only for institutions that can prove compliance.
InstaPay settles in under 30 seconds. Pre-settlement human review is impossible at scale. Compliance must be automated, instantaneous, and auditable.
Banks run CoP and sanctions screening as separate systems. Duplicate infrastructure, duplicate cost, and no guarantee the systems share the same data at transaction time.
The Solution
Your core banking system calls Unview once per transaction. Unview returns a CoP verdict and integrated sanctions screening simultaneously — in under 10ms. The bank retains full decision authority.
Nine verdict types covering exact match, DBA/AKA alias match, partial match, no match, and fraud patterns. Purpose-built for Filipino name structures with five fraud-hardened false positive guards. 97.62% accuracy on 10,000 labeled Philippine test cases.
Every payee screened against OFAC SDN, UN Consolidated, EU Consolidated, AMLC Philippines, and PEP database — 26,110 live entries — in the same API call. Match scores, match type, and risk signals returned to your rules engine. Bank retains full decision authority.
Production-Ready
Stress-tested across six categories with fully reproducible results. All test cases labeled, seeded, and verifiable.
| Test Category | Result | Context |
|---|---|---|
| Overall CoP accuracy | 97.62% | 10,000 labeled test cases, seed 42 — reproducible |
| EXACT_MATCH accuracy | 99.7% | 3,000 exact match cases |
| Fraud pattern detection | 100% | 300 fraud scenarios including homoglyphs |
| Sanctions true positive rate | 99.2% | 483 live OFAC / UN / EU sanctions names |
| Sanctions false positive rate | 0% | 80 Filipino / PH corporate names vs 26,110 live entries |
| Strong alias detection | 100% | 150 OFAC strong aliases at 0.82 threshold |
| Weak alias detection | 100% | 50 OFAC weak aliases at 0.92 threshold |
| p99 latency (100 concurrent users) | 340ms ✓ | BSP Annex D commitment: 500ms — 32% margin |
| Load test failure rate | 0.11% | 66,345 requests, 221 RPS, 4 workers |
| Chaos tests (6 scenarios) | 24/24 passed | Redis down, sanctions unavailable, HMAC missing |
| Security boundary tests | 28/28 passed | API key security, HMAC tamper detection, zero PII |
| Edge case tests | 82/82 passed | Unicode, injection attempts, homoglyphs, 10,000-char inputs |
| All automated tests | 264/264 | No failures, no regressions across all categories |
Why Unview
Alternative approaches create new compliance risks for Philippine banks. Understanding the difference matters when your compliance officer defends a decision to AMLC.
Regulatory Status
Submitted June 25, 2026 — the same date the AFASA compliance deadline elapsed. Acknowledged and currently under review by the Technology Risk and Innovation Supervision Department (TRISD). Unview is the only Confirmation of Payee infrastructure provider with a formal BSP sandbox application in the Philippines.
Unview's architecture is designed for BSP Circular 1153 sandbox compliance and aligns with BSP Circular 1213 (AFASA implementation), BSP Circular 1238 (consumer fee framework), and the AMLA/CTF framework under the Anti-Money Laundering Act. All test results are documented and reproducible for BSP Technical Assessment review.
Get Started
We offer a full end-to-end demo covering transaction verification, sanctions screening scenarios, and BSP interim reporting — available to Technology, Compliance, and Digital Banking teams at any time.