KYC Approval Criteria

Verification checks performed during KYC review.

Identity Document Checks

Check	Criteria
Document validity	Not expired
Photo match	Matches selfie/liveness check
Name match	Matches registration exactly
Date of birth	Matches registration, member is 18+
Document authenticity	No signs of tampering
Image quality	Clear, all corners visible

Address Document Checks

Check	Criteria
Recency	Dated within 3 months
Name match	Matches registration exactly
Address	Residential address shown (not PO Box)
Document type	One of the accepted types
Issuer	Recognized institution

Selfie/Liveness Checks

Check	Criteria
Face visible	Clear, unobstructed
Photo match	Same person as ID photo
Live capture	Not a photo of a photo (anti-spoofing)
ID visible	Readable in same frame

PEP and Sanctions Screening

Check	Criteria
Declaration complete	All PEP questions answered
PEP status	If declared, triggers additional review
Sanctions screening	Member not on sanctions lists

Automatic Rejection Triggers

The following result in automatic rejection:

Trigger	Reason
Expired documents	Document must be valid
Blurry/unreadable images	Cannot verify information
Missing pages	e.g., back of driver's license required
Address document > 3 months old	Does not meet recency requirement
Name mismatch	Documents must match registration
Document manipulation	Signs of tampering detected

Manual Review Triggers

Cases routed to manual review:

Trigger	Action
PEP declared	Additional due diligence required
Name variation	Verify legal name (e.g., middle names, transliteration)
Address format	Verify non-standard addressing conventions
Borderline image quality	Human assessment needed
High-risk jurisdiction	Enhanced due diligence

Approval Flow

flowchart TD
    A[Documents Submitted] --> B{Automated Check}
    B -->|Pass| C[Approved]
    B -->|Fail| D[Rejected]
    B -->|Review Needed| E[Manual Review]
    E -->|Pass| C
    E -->|Fail| D

After Approval

Once KYC is approved:

Change	Detail
KYC status	Changes to Verified
Withdrawals	Enabled (fiat and CSR-to-wallet)
Member transfers	Enabled
Email notification	Sent to member

Note: Deposits and PRS purchases are available immediately after email verification and do not require KYC approval.

Related Documentation

• KYC Documents Required — Acceptable document list
• KYC Submit Process — How to submit
• Automated KYC (Shufti Pro) — Automated verification details