feat(aml): add NAME_TOO_SHORT check for bank payout validation

Add AML check to reject transactions where the user's name contains
fewer than 4 letters. Banks require a minimum name length for processing.

Changes:
- Add AmlError.NAME_TOO_SHORT with CRUCIAL type and FAIL status
- Add AmlReason.NAME_TOO_SHORT
- Add countLetters() helper to count only alphabetic characters
- Add name length validation in getAmlErrors() after NAME_MISSING check
- Update SiftAmlDeclineMap and TransactionReasonMapper

The check uses verifiedName, bankData.name, or completeName (in that order)
and counts only letters (including European special characters like ä, ö, ü, ß).

Author: TaprootFreak

src/integration/sift/dto/sift.dto.ts

@@ -1037,6 +1037,7 @@ export const SiftAmlDeclineMap: { [method in AmlReason]: DeclineCategory } = {
   [AmlReason.BANK_RELEASE_PENDING]: DeclineCategory.OTHER,
   [AmlReason.VIRTUAL_IBAN_USER_MISMATCH]: DeclineCategory.RISKY,
   [AmlReason.INTERMEDIARY_WITHOUT_SENDER]: DeclineCategory.RISKY,
+  [AmlReason.NAME_TOO_SHORT]: DeclineCategory.OTHER,
 };
 
 export interface ScoreRsponse {

src/subdomains/core/aml/enums/aml-error.enum.ts

@@ -26,6 +26,7 @@ export enum AmlError {
   INVALID_KYC_TYPE = 'InvalidKycType',
   NO_VERIFIED_NAME = 'NoVerifiedName',
   NAME_MISSING = 'NameMissing',
+  NAME_TOO_SHORT = 'NameTooShort',
   VERIFIED_COUNTRY_NOT_ALLOWED = 'VerifiedCountryNotAllowed',
   IBAN_COUNTRY_FATF_NOT_ALLOWED = 'IbanCountryFatfNotAllowed',
   TX_COUNTRY_NOT_ALLOWED = 'TxCountryNotAllowed',
@@ -151,6 +152,11 @@ export const AmlErrorResult: {
     amlCheck: CheckStatus.PENDING,
     amlReason: AmlReason.KYC_DATA_NEEDED,
   },
+  [AmlError.NAME_TOO_SHORT]: {
+    type: AmlErrorType.CRUCIAL,
+    amlCheck: CheckStatus.FAIL,
+    amlReason: AmlReason.NAME_TOO_SHORT,
+  },
   [AmlError.VERIFIED_COUNTRY_NOT_ALLOWED]: {
     type: AmlErrorType.CRUCIAL,
     amlCheck: CheckStatus.GSHEET,

src/subdomains/core/aml/enums/aml-reason.enum.ts

@@ -39,6 +39,7 @@ export enum AmlReason {
   BANK_RELEASE_PENDING = 'BankReleasePending',
   VIRTUAL_IBAN_USER_MISMATCH = 'VirtualIbanUserMismatch',
   INTERMEDIARY_WITHOUT_SENDER = 'IntermediaryWithoutSender',
+  NAME_TOO_SHORT = 'NameTooShort',
 }
 
 export const KycAmlReasons = [

src/subdomains/core/aml/services/aml-helper.service.ts

@@ -69,6 +69,13 @@ export class AmlHelperService {
     if (!entity.userData.verifiedName) errors.push(AmlError.NO_VERIFIED_NAME);
     if (!entity.userData.verifiedName && !bankData?.name && !entity.userData.completeName)
       errors.push(AmlError.NAME_MISSING);
+
+    // Check name length (min 4 letters for bank processing)
+    const completeName = entity.userData.verifiedName ?? bankData?.name ?? entity.userData.completeName;
+    if (completeName && this.countLetters(completeName) < 4) {
+      errors.push(AmlError.NAME_TOO_SHORT);
+    }
+
     if (entity.userData.verifiedCountry && !entity.userData.verifiedCountry.fatfEnable)
       errors.push(AmlError.VERIFIED_COUNTRY_NOT_ALLOWED);
     if (ibanCountry && !ibanCountry.fatfEnable) errors.push(AmlError.IBAN_COUNTRY_FATF_NOT_ALLOWED);
@@ -606,4 +613,8 @@ export class AmlHelperService {
     // No Result - only comment
     return { bankData, comment };
   }
+
+  private static countLetters(str: string): number {
+    return str.replace(/[^a-zA-ZäöüÄÖÜàáâãéèêëìíîïòóôõùúûüñçßÀÁÂÃÈÉÊËÌÍÎÏÒÓÔÕÙÚÛÜÑÇ]/g, '').length;
+  }
 }

src/subdomains/supporting/payment/dto/transaction.dto.ts

@@ -114,6 +114,7 @@ export const TransactionReasonMapper: {
   [AmlReason.BANK_RELEASE_PENDING]: TransactionReason.BANK_RELEASE_PENDING,
   [AmlReason.VIRTUAL_IBAN_USER_MISMATCH]: TransactionReason.UNKNOWN,
   [AmlReason.INTERMEDIARY_WITHOUT_SENDER]: TransactionReason.BANK_NOT_ALLOWED,
+  [AmlReason.NAME_TOO_SHORT]: TransactionReason.KYC_DATA_NEEDED,
 };
 
 export class UnassignedTransactionDto {