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KYC Approval Criteria

Verification checks performed during KYC review.

Identity Document Checks​

The system verifies:

  • 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​

  • 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​

  • Face visible — Clear and 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​

  • 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:

  • 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:

  • 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​

After Approval​

Once KYC is approved:

  • 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.