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AMLOK has two paid products. API categories organize financial data and technical capabilities; they are not additional products or separate charges. Provider data or verification charges, where applicable, follow the agreement. API access does not create a new standalone AMLOK service rate.

Insights

Start a root underwrite workflow with the application and ready input manifest. AMLOK returns product: insights, the workflow ID, workload report, and eventually the completed risk snapshot and billing usage ID. A retry of that run does not create a second underwriting charge. A new full underwriting is a distinct authorized request.

Signal

Create monitoring from an approved baseline. All monitors for a borrower/business share one monthly monitoring-period record. Signal uses existing evidence and new records to reassess risk without launching a separately billed Insights underwriting. The full monthly rate is deducted at 00:00 UTC on the first day of each calendar month before monitoring proceeds. First activation during a month deducts the full monthly rate immediately, without proration. Repeated activation, pauses, resumes, checks and reassessments do not add another charge in an already paid period. See Signal pricing.

Included processing stages

Verification, lien-search and calculation requests require processing_context. Non-underwriting workflow requests also require it. Supply exactly one of:
The context must belong to the same workspace and primary subject. Person KYC may use an active subject_association_id linking the verified person to the parent business; see related-person verification. Other stage types remain same-subject. Insights must be an unfinished authorized underwriting; Signal must have an active paid period. The stage must be permitted by the agreed workflow and fit its workload limits. A context is not permission to run arbitrary additional analysis. AMLOK deduplicates equivalent stage work already requested by the orchestrator. Unrelated, finished, cancelled, unpaid or unentitled contexts are rejected with 409 invalid_state. These endpoints support integration steps within the complete product. They do not offer independently purchased verification, search, calculation or investigation services.

Institution intervention

AMLOK supplies risk results, alerts and evidence. Your institution decides and performs outreach, collections, credit-limit changes and other intervention in its own systems. There are no servicing cases, tasks, borrower messages, payment promises or action-approval endpoints. Read-only loan and repayment records remain evidence supplied by lender systems.