Tazama

Tazama is the first open source platform for real-time financial monitoring and fraud detection, launched by Linux Foundation Charities with support from the Bill and Melinda Gates Foundation. It provides real-time fraud management, AML compliance, and cost-effective monitoring of digital financial transactions through a microservices architecture with rule processors, typology scoring, and case management integration. Built to ISO 20022 standards for maximum financial messaging interoperability.

Website: https://tazama.org
GitHub: https://github.com/tazama-lf
Documentation: https://tazama.org/products/

APIs

Tazama Transaction Monitoring Service API

The core API for ingesting real-time ISO 20022 financial transaction messages into the Tazama platform for fraud detection and AML compliance. Accepts pain.001, pain.013, pacs.008, and pacs.002 message types.

• Base URL: http://localhost:5000
• OpenAPI: openapi/tazama-transaction-monitoring-service-openapi.yml

Endpoints

Method	Path	Summary
GET	/	Get Service Status
GET	/health	Get Health Status
POST	/v1/evaluate/iso20022/pain.001.001.11	Evaluate Pain 001 Transaction
POST	/v1/evaluate/iso20022/pain.013.001.09	Evaluate Pain 013 Transaction
POST	/v1/evaluate/iso20022/pacs.008.001.10	Evaluate Pacs 008 Transaction
POST	/v1/evaluate/iso20022/pacs.002.001.12	Evaluate Pacs 002 Transaction

Tazama Admin Service API

Administrative API for managing and configuring the Tazama platform including rule processors, typology definitions, and network maps.

• Base URL: http://localhost:5100
• GitHub: https://github.com/tazama-lf/admin-service

Features

• Real-Time Transaction Monitoring - Processes financial transactions in real time for immediate fraud detection
• ISO 20022 Compliance - Built to ISO 20022 standards for financial messaging interoperability
• Payment Platform Adapter - Transforms non-ISO 20022 messages into compatible formats
• Rule-Based Fraud Detection - Configurable rule processors evaluate transactions for suspicious behavior
• Typology Scoring - Aggregates rule results into fraud and AML typology scores
• AML Compliance - Anti-money laundering monitoring built into the processing pipeline
• Case Management Integration - Issues investigation alerts to external case management systems
• Transaction Blocking - Can block high-risk transactions to prevent financial loss
• Kubernetes Deployment - Helm charts available for AKS, EKS, GKE, and on-premises deployments
• GraphQL Access - Hasura GraphQL API layer for flexible database queries

Use Cases

• Fraud Detection for Mobile Money Operators - Real-time monitoring of mobile financial transactions
• AML Compliance for Banks - Automated AML screening to meet regulatory requirements
• Payment Switch Monitoring - Monitor transactions through payment switches
• Clearing House Risk Management - Screen clearing house transactions for fraud and money laundering

Artifacts

OpenAPI Specifications

File	Description
openapi/tazama-transaction-monitoring-service-openapi.yml	Transaction Monitoring Service API

Naftiko Capabilities

File	Description
capabilities/fraud-detection.yaml	Real-time fraud detection workflow capability
capabilities/shared/transaction-monitoring.yaml	Shared TMS API consumed definition

Spectral Rules

File	Description
rules/tazama-rules.yml	Spectral ruleset for Tazama API conventions

JSON Schemas

File	Description
json-schema/tazama-transaction-response-schema.json	Transaction evaluation response schema
json-schema/tazama-iso20022-pain001-schema.json	ISO 20022 pain.001.001.11 message schema

JSON Structures

File	Description
json-structure/tazama-transaction-response-structure.json	Transaction response field documentation

JSON-LD Context

File	Description
json-ld/tazama-context.jsonld	Linked data context for Tazama vocabulary

Examples

File	Description
examples/tazama-evaluate-pain001-transaction-example.json	pain.001 transaction evaluation example
examples/tazama-evaluate-pacs008-transaction-example.json	pacs.008 transfer evaluation example

Vocabulary

File	Description
vocabulary/tazama-vocabulary.yml	Tazama domain terminology and definitions

Integrations

• Hasura GraphQL - GraphQL access layer to the Tazama database
• Keycloak - Identity and access management
• NATS - Event streaming for inter-service communication
• ArangoDB - Multi-model database for transaction data
• Mojaloop - ISO 20022 message mapping for Mojaloop financial network

License

Apache 2.0 - Linux Foundation Charities

Maintainers

FN: Kin Lane
Email: info@apievangelist.com