AML/KYC realitní transakce 2026

5 TransactionRiskCategory

• Low (< 20 score)

  Standard residential < 5M Kč, transparent source, known beneficial owner. Simplified DD.

• Medium (20-39)

  Larger residential 5-15M Kč nebo investment-rental. Standard DD (8 steps).

• High (40-59)

  Foreign buyer nebo cash > 270k Kč nebo commercial. Enhanced DD (12 steps).

• Very high (60-79)

  PEP nebo non-transparent source. FAÚ reporting required. Enhanced + 14 dní review.

• Extreme (>= 80)

  Kombinace PEP + foreign + cash + complex structure. Enhanced + 30 dní review + senior approval.

Klíčové zákony

• • Zák. 253/2008 Sb.: AML zákon — § 7-9 identifikace klienta, § 18 FAÚ reporting, § 21 retention 10 let
• • Zák. 254/2008 Sb.: KYC + beneficial owner registry (§ 10 mandatory disclosure)
• • EU 6th AMLD 2024: Směrnice EU 2024/1640 — harmonizace AML standardů
• • § 47 zák. 253/2008: Pokuty 10k-5M Kč fyzická / 50k-5M Kč právnická při non-compliance
• • § 216-217 TZ: Trestní stíhání při grossly intentional negligence

Risk score — vážené složky

• • Base 10 + transaction > 5M (+10) / > 15M (+15)
• • Purpose: residential 0, investment-rental +5, commercial +10, speculation +15
• • Foreign buyer: +15
• • Cash heavy > 270k Kč: +20
• • PEP (politicky exponovaná osoba): +30
• • Non-transparent source of funds: +25
• • Unknown beneficial owner: +20
• • Complex structure (offshore, holding, trust): +25

3 DueDiligenceLevel

• • Simplified (4 steps): low risk only — basic ID, address, source declaration
• • Standard (8 steps): medium risk — biometric ID, beneficial owner, sanctions screening
• • Enhanced (12 steps): high+ risk — comprehensive source of funds analysis, PEP check, adverse media, ongoing monitoring 12+ měs

Status engine

• • green (risk < 30): standard transaction, simplified/standard DD
• • yellow (30-59): elevated risk, standard DD + sanctions screening
• • red (>= 60): high/extreme risk, enhanced DD + FAÚ reporting + 14-30 dní review

REST API

Programatický přístup k engine pro AI/MCP klienty: /api/aml-kyc — query parametry transactionValueCzk, purpose, isForeignBuyer, isCashHeavy, isPep, isSourceOfFundsTransparent, isBeneficialOwnerKnown, hasComplexStructure.