Documentation Index Fetch the complete documentation index at: https://docs.yativo.com/llms.txt
Use this file to discover all available pages before exploring further.
Submit KYC data for an individual customer. The customer must already exist in your account (created via POST /customer). After submission the status will be "submitted" and will move to "approved" once review is complete.
This endpoint is hosted on the KYC platform at https://kyc.yativo.com, not the main API base URL. Include an Idempotency-Key header on every request.
POST https://kyc.yativo.com/api/individual-kyc/submit
Identity fields The customer UUID returned by POST /customer.
Customer’s first name. Max 1024 characters.
Customer’s last name. Max 1024 characters.
Customer’s middle name. Optional.
Customer’s email address.
Country dial code. Must match ^\+\d{1,4}$, e.g. "+1", "+44", "+234".
Phone number digits only, 8–15 characters. Do not include the country code.
Date of birth in YYYY-MM-DD format. Must be before today.
ISO 3166-1 alpha-2 country code, e.g. "US", "NG", "BR".
Tax identification number. Max 100 characters.
Selfie photo of the customer. Provide as a hosted URL (from POST /storage/upload) or a base64-encoded string. Accepted formats: PDF, JPG, JPEG, PNG, HEIC, TIF. Max 5 MB.
Bank Verification Number. Required when nationality is "NG" . Exactly 11 digits.
National Identification Number. Required when nationality is "NG" . Exactly 11 digits.
Residential address Customer’s current residential address. Show residential_address fields
Street address line 1. Max 256 characters.
Street address line 2. Optional.
City. Max 256 characters.
State or province. Accepts full ISO 3166-2 codes like "US-CA" or the subdivision segment "CA" — both are normalised.
Postal or ZIP code. Validated per country.
ISO 3166-1 alpha-2 country code.
Proof of address document (utility bill, bank statement, etc.). Hosted URL or base64. PDF/JPG/JPEG/PNG/HEIC/TIF, max 5 MB.
At least one government-issued ID document. Accepted document types depend on issuing_country — see the ID types reference . Show identifying_information item fields
Document type. Common values: "passport", "national_id", "other". Country-specific types also apply (e.g. "ssn" for US, "bvn" for NG).
ISO 3166-1 alpha-2 country code of the issuing authority.
Issue date in YYYY-MM-DD format. Must be before today.
Expiration date in YYYY-MM-DD format. Must be after today.
Front image of the document. Hosted URL or base64. PDF/JPG/JPEG/PNG, max 5 MB.
Back image of the document. Required for documents that have a reverse side (e.g. national ID cards). Hosted URL or base64. PDF/JPG/JPEG/PNG, max 5 MB.
Risk and purpose Customer’s employment status. One of: "employed", "exempt", "homemaker", "retired", "self_employed", "student", "unemployed".
most_recent_occupation_code
6-digit occupation code. Retrieve the full list from GET /auth/occupation-codes. Example: "151252" (Software developer).
expected_monthly_payments_usd
Expected monthly transaction volume. One of: "0_4999", "5000_9999", "10000_49999", "50000_plus".
Primary source of funds. One of: "salary", "business_income", "company_funds", "savings", "investments_loans", "inheritance", "gifts", "government_benefits", "pension_retirement", "sale_of_assets_real_estate", "ecommerce_reseller", "gambling_proceeds", "someone_elses_funds".
Intended use of the account. One of: "receive_salary", "business_transactions", "purchase_goods_and_services", "personal_or_living_expenses", "payments_to_friends_or_family_abroad", "receive_payment_for_freelancing", "investment_purposes", "protect_wealth", "ecommerce_retail_payments", "operating_a_company", "charitable_donations", "other".
Required when account_purpose is "other". Provide a plain-text description.
Set to true if the customer is acting on behalf of third parties. Defaults to false.
Supporting documents At least one supporting document is required. Show uploaded_documents item fields
A label identifying the document type, e.g. "bank_statement", "tax_return".
Hosted URL or base64-encoded file. PDF/JPG/JPEG/PNG, max 5 MB.
curl -X POST 'https://kyc.yativo.com/api/individual-kyc/submit' \ -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \ -H 'Content-Type: application/json' \ -H 'Idempotency-Key: kyc-ind-2026-001' \ -d '{ "customer_id": "c586066b-0f29-468f-b775-15483871a202", "first_name": "Alex", "last_name": "Smith", "email": "alex.smith@example.com", "calling_code": "+1", "phone": "5551234567", "gender": "male", "birth_date": "1990-01-15", "nationality": "US", "taxId": "998-88-7766", "selfie_image": "https://storage.yativo.com/documents/abc/selfie.jpg", "residential_address": { "street_line_1": "123 Maple Street", "city": "Austin", "state": "TX", "postal_code": "78701", "country": "US", "proof_of_address_file": "https://storage.yativo.com/documents/abc/utility-bill.pdf" }, "identifying_information": [ { "type": "passport", "issuing_country": "US", "number": "P12345678", "date_issued": "2019-06-01", "expiration_date": "2029-06-01", "image_front_file": "https://storage.yativo.com/documents/abc/passport-front.jpg" } ], "employment_status": "employed", "most_recent_occupation_code": "151252", "expected_monthly_payments_usd": "0_4999", "source_of_funds": "salary", "account_purpose": "receive_salary", "acting_as_intermediary": false, "uploaded_documents": [ { "type": "bank_statement", "file": "https://storage.yativo.com/documents/abc/bank-statement.pdf" } ] }'
Submitted
Validation error
{ "success" : true , "message" : "KYC submission received successfully" , "errors" : { "submission" : { "id" : "sub_8f3b2a1c-4d5e-6f7a-8b9c-0d1e2f3a4b5c" , "type" : "individual" , "status" : "submitted" , "customer_id" : "c586066b-0f29-468f-b775-15483871a202" , "first_name" : "Alex" , "last_name" : "Smith" , "email" : "alex.smith@example.com" , "endorsements" : [ { "service" : "base" , "status" : "pending" , "link" : "https://kyc.yativo.com/endorsement/base/c586066b-0f29-468f-b775-15483871a202" } ], "created_at" : "2026-06-01T10:00:00.000000Z" } } }
