KYC Levels

Basic Level (customers-api-basic)

Standard verification requiring:

• Identity Document - Passport, ID card, driver's license, or residence permit
• Liveness Check - Video selfie verification (completed after identity document)
• Proof of Address - Utility bill, bank statement, tax document, etc. (dated within last 3 months)
• Questionnaire - Monthly volume information (auto-submitted via API)

Note: The liveness check requires user interaction via the WebSDK link and cannot be completed through API document uploads.

Enhanced Level (customers-api-enhanced)

Enhanced due diligence with additional requirements:

• All basic level requirements
• Additional Info Questionnaire - Occupation and transaction purpose
• Source of Funds Questionnaire - Documentation of fund origins

Important: Enhanced level verification is only available via the WebSDK link.

Automatic Level Upgrade: Customers are automatically moved to the enhanced level if:

• Expected monthly volume is €15,000 or more
• Customer's age is over 60 years old

When upgraded, their kycVerified status resets to false and they must complete the additional requirements via the WebSDK link.

UI Flow Level (customers-ui-flow)

Simplified verification for manual document uploads via the UI dashboard. This level is automatically assigned when customers are created through the UI (not API).

Requirements:

• Identity Document - Passport, ID card, driver's license, or residence permit
• Proof of Address - Utility bill, bank statement, tax document, etc. (dated within last 3 months)
• Questionnaire - Monthly volume information (auto-submitted)

Note: This level does NOT require a liveness check (video selfie), making it suitable for scenarios where an operator uploads documents on behalf of the customer.

Deprecated: Legacy Level (customers-flow)

⚠️ Deprecated - This level is no longer assigned to new customers.

Legacy verification level that only required:

• Identity Document - Passport, ID card, driver's license, or residence permit
• Proof of Address - Utility bill, bank statement, tax document, etc.

Existing customers on this level will continue to function normally. No action required for migration.

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