KYC / KYB Verification

Yativo requires identity verification before customers can access payment services such as virtual accounts, send money, and payment rails. Individual users go through KYC (Know Your Customer) and businesses go through KYB (Know Your Business).

Environments

Environment	Base URL
Production API	`https://api.yativo.com/api/v1`
Sandbox API	`https://smtp.yativo.com/api/v1`
KYC Platform	`https://kyc.yativo.com`

KYC and KYB submissions are sent to https://kyc.yativo.com, not the main API base URL. All other endpoints (status check, update) use the standard base URL. Include Authorization: Bearer {token} in every request.

Integration approaches

Approach	Best for	Effort
Hosted KYC/KYB link	Quick integration, iframe embed	Low
API submission	Programmatic flow, native UI	High

Hosted URLs:

Individual: https://kyc.yativo.com/individual/{customer_id}
Business: https://kyc.yativo.com/business/{customer_id}

Verification flow

Create a customer

Call POST /customer to create a customer record and receive a customer_id.

Upload documents (if using API)

Use POST /storage/upload to upload files and receive back a hosted URL. Pass those URLs in the KYC payload. Alternatively, embed files as base64-encoded strings.

Submit KYC or KYB

POST to https://kyc.yativo.com/api/individual-kyc/submit or https://kyc.yativo.com/api/business-kyc/submit.

Poll or receive webhook

Check GET /customer/kyc/{customer_id} or listen for the kyc.status_updated webhook event.

Customer approved

When status is "approved" and is_va_approved is true, service endorsements are activated and payment rails become available.

Upload documents

Before submitting KYC, upload any document files you will reference. Files must be PDF, JPG, JPEG, PNG, HEIC, or TIF and must not exceed 5 MB each.

POST /storage/upload

Send the file as multipart/form-data with the field name document.

curl -X POST 'https://api.yativo.com/api/v1/storage/upload' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -F 'document=@/path/to/passport_front.jpg'

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": {
    "url": "https://storage.yativo.com/documents/abc123/passport_front.jpg"
  }
}

Use the returned url value in the selfie_image, image_front_file, proof_of_address_file, and similar fields below.

Individual KYC

Submit

POST https://kyc.yativo.com/api/individual-kyc/submit

This is a five-step data model submitted in one payload. All required fields must be present in a single request.

Step 1 — Personal details

Field	Type	Required	Notes
`customer_id`	string	✓	UUID from `POST /customer`
`first_name`	string	✓	Max 1024 chars
`last_name`	string	✓	Max 1024 chars
`middle_name`	string		Optional
`email`	string	✓	Valid email address
`calling_code`	string	✓	Dial code, e.g. `"+1"`, `"+234"`. Must match `^\+\d{1,4}$`
`phone`	string	✓	Digits only, 8–15 characters
`birth_date`	string	✓	`YYYY-MM-DD`, must be before today
`nationality`	string	✓	ISO 3166-1 alpha-2, e.g. `"US"`, `"NG"`, `"BR"`
`gender`	string	✓	`"male"` or `"female"`
`taxId`	string	✓	Tax identification number, max 100 chars
`selfie_image`	file URL or base64	✓	Selfie photo. PDF/JPG/JPEG/PNG/HEIC/TIF, max 5 MB
`bvn`	string	NG only	11-digit Bank Verification Number. Required when `nationality` is `"NG"`
`nin`	string	NG only	11-digit National ID Number. Required when `nationality` is `"NG"`

Step 2 — Residential address

Field	Type	Required	Notes
`residential_address.street_line_1`	string	✓	Max 256 chars
`residential_address.street_line_2`	string		Optional
`residential_address.city`	string	✓	Max 256 chars
`residential_address.state`	string	✓	Accepts `"US-CA"` or `"CA"` — both are valid
`residential_address.postal_code`	string	✓	Validated per country
`residential_address.country`	string	✓	ISO 3166-1 alpha-2
`residential_address.proof_of_address_file`	file URL or base64	✓	Utility bill, bank statement, etc. PDF/JPG/JPEG/PNG/HEIC/TIF, max 5 MB

Step 3 — Identifying information

At least one government-issued ID document is required.

Field	Type	Required	Notes
`identifying_information[*].type`	string	✓	See ID types by country
`identifying_information[*].issuing_country`	string	✓	ISO 3166-1 alpha-2
`identifying_information[*].number`	string	✓	Document number
`identifying_information[*].date_issued`	string	✓	`YYYY-MM-DD`, must be before today
`identifying_information[*].expiration_date`	string	✓	`YYYY-MM-DD`, must be after today
`identifying_information[*].image_front_file`	file URL or base64	✓	PDF/JPG/JPEG/PNG, max 5 MB
`identifying_information[*].image_back_file`	file URL or base64		Required for cards with a back side

Step 4 — Risk and purpose

Field	Type	Required	Notes
`employment_status`	string	✓	See enum values
`most_recent_occupation_code`	string	✓	6-digit code from `GET /auth/occupation-codes`
`expected_monthly_payments_usd`	string	✓	See enum values
`source_of_funds`	string	✓	See enum values
`account_purpose`	string	✓	See enum values
`account_purpose_other`	string	If `account_purpose` is `"other"`	Description of the purpose
`acting_as_intermediary`	boolean		Whether the customer acts as intermediary for third parties

Step 5 — Supporting documents

Field	Type	Required	Notes
`uploaded_documents[*].type`	string	✓	Document type identifier
`uploaded_documents[*].file`	file URL or base64	✓	PDF/JPG/JPEG/PNG, max 5 MB

KYC example request

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"
      }
    ]
  }'

{
  "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"
    }
  }
}

Business KYB

Submit

POST https://kyc.yativo.com/api/business-kyc/submit

Step 1 — Business basics

Field	Type	Required	Notes
`customer_id`	string	✓	UUID from `POST /customer` (must be `customer_type: "business"`)
`business_legal_name`	string	✓	Official registered legal name, max 255 chars
`business_trade_name`	string	✓	Trade / DBA name, max 255 chars
`business_description`	string	✓	What the business does, max 1000 chars
`email`	string	✓	Business contact email
`business_type`	string	✓	`cooperative`, `corporation`, `llc`, `partnership`, `sole_prop`, `trust`, or `other`
`registration_number`	string	✓	Government registration / incorporation number, max 100 chars
`incorporation_date`	string	✓	`YYYY-MM-DD`, must be before today
`tax_id`	string		Business tax ID, max 100 chars
`phone_calling_code`	string		Must match `^\+[1-9]\d{0,3}$`
`phone_number`	string		Digits only, 7–15 characters
`business_industry`	string		Industry category
`primary_website`	string		Full URL
`is_dao`	boolean		Whether the business is a DAO
`statement_descriptor`	string		How the name appears on statements, max 22 chars

Step 2 — Addresses

Both registered_address and physical_address use the same structure:

Field	Type	Required	Notes
`street_line_1`	string	✓	Max 255 chars
`street_line_2`	string		Optional
`city`	string	✓	Max 100 chars
`state`	string	✓	Accepts `"US-CA"` or `"CA"`
`postal_code`	string	✓	Validated per country
`country`	string	✓	ISO 3166-1 alpha-2
`proof_of_address_file`	file URL or base64		Optional for registered, recommended for physical

Step 3 — Associated persons

At least one person is required. Include all UBOs, directors, and authorized signers.

Field	Type	Required	Notes
`first_name`	string	✓	Max 100 chars
`last_name`	string	✓	Max 100 chars
`birth_date`	string	✓	`YYYY-MM-DD`, before today
`nationality`	string	✓	ISO 3166-1 alpha-2
`email`	string	✓	Personal email
`phone`	string		Optional
`title`	string		E.g. `"CEO"`, `"Director"`
`ownership_percentage`	number	✓	0–100
`relationship_established_at`	string		`YYYY-MM-DD`, must not be in the future
`residential_address`	object	✓	Same structure as Step 2
`identifying_information`	array	✓	ID documents (same structure as individual KYC Step 3)
`has_ownership`	boolean		Has ownership stake
`has_control`	boolean		Has operational control
`is_signer`	boolean		Authorized signer
`is_director`	boolean		Director

Step 4 — Risk and purpose

Field	Type	Required	Notes
`account_purpose`	string	✓	See enum values
`account_purpose_other`	string	If `account_purpose` is `"other"`
`source_of_funds`	string	✓	See enum values
`high_risk_activities`	array	✓	See enum values. Use `["none_of_the_above"]` if none apply
`high_risk_activities_explanation`	string	If any high-risk activities listed
`conducts_money_services`	boolean
`conducts_money_services_description`	string	If `conducts_money_services` is `true`
`compliance_screening_explanation`	string	If `conducts_money_services` is `true`
`estimated_annual_revenue_usd`	string
`expected_monthly_payments_usd`	number		Expected monthly volume in USD
`operates_in_prohibited_countries`	string		`"yes"` or `"no"`
`ownership_threshold`	integer		UBO reporting threshold (5–25)
`has_material_intermediary_ownership`	boolean

Step 5 — Regulated activity

Field	Type	Notes
`regulated_activity.regulated_activities_description`	string	Optional
`regulated_activity.primary_regulatory_authority_country`	string	ISO 3166-1 alpha-2
`regulated_activity.primary_regulatory_authority_name`	string
`regulated_activity.license_number`	string

Step 6 — Business documents

At least one document is required.

Field	Type	Required	Notes
`documents[*].purpose`	string	✓	`"business_registration"`, `"tax_documents"`, `"compliance_documents"`, or `"financial_statements"`
`documents[*].description`	string	✓	Human-readable description
`documents[*].file`	file URL or base64		File attachment

Step 7 — Business identifying information (optional)

Business-level ID documents (e.g. business licence).

Field	Type	Notes
`identifying_information[*].type`	string
`identifying_information[*].issuing_country`	string	ISO 3166-1 alpha-2
`identifying_information[*].number`	string
`identifying_information[*].description`	string
`identifying_information[*].expiration`	string	`YYYY-MM-DD`, after today
`identifying_information[*].image_front`	file URL or base64
`identifying_information[*].image_back`	file URL or base64

KYB example request

curl -X POST 'https://kyc.yativo.com/api/business-kyc/submit' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: kyb-acme-2026-001' \
  -d '{
    "customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
    "business_legal_name": "Acme Payments LLC",
    "business_trade_name": "Acme Pay",
    "business_description": "International payment processing for SMEs",
    "email": "compliance@acmepay.com",
    "business_type": "llc",
    "registration_number": "LLC-2018-00987",
    "incorporation_date": "2018-03-12",
    "tax_id": "47-1234567",
    "phone_calling_code": "+1",
    "phone_number": "3055551234",
    "primary_website": "https://acmepay.com",
    "registered_address": {
      "street_line_1": "100 Brickell Ave",
      "city": "Miami",
      "state": "FL",
      "postal_code": "33131",
      "country": "US"
    },
    "physical_address": {
      "street_line_1": "100 Brickell Ave",
      "city": "Miami",
      "state": "FL",
      "postal_code": "33131",
      "country": "US",
      "proof_of_address_file": "https://storage.yativo.com/documents/abc/lease.pdf"
    },
    "associated_persons": [
      {
        "first_name": "Jane",
        "last_name": "Doe",
        "birth_date": "1978-07-22",
        "nationality": "US",
        "email": "jane.doe@acmepay.com",
        "title": "CEO",
        "ownership_percentage": 60,
        "relationship_established_at": "2018-03-12",
        "residential_address": {
          "street_line_1": "456 Coral Way",
          "city": "Miami",
          "state": "FL",
          "postal_code": "33133",
          "country": "US"
        },
        "identifying_information": [
          {
            "type": "passport",
            "issuing_country": "US",
            "number": "P87654321",
            "date_issued": "2020-01-10",
            "expiration_date": "2030-01-10",
            "image_front_file": "https://storage.yativo.com/documents/abc/jane-passport.jpg"
          }
        ],
        "has_ownership": true,
        "has_control": true,
        "is_signer": true,
        "is_director": true
      }
    ],
    "account_purpose": "business_transactions",
    "source_of_funds": "business_income",
    "high_risk_activities": ["none_of_the_above"],
    "conducts_money_services": false,
    "regulated_activity": {},
    "documents": [
      {
        "purpose": "business_registration",
        "description": "Certificate of Incorporation",
        "file": "https://storage.yativo.com/documents/abc/certificate.pdf"
      },
      {
        "purpose": "tax_documents",
        "description": "EIN confirmation letter",
        "file": "https://storage.yativo.com/documents/abc/ein.pdf"
      }
    ]
  }'

{
  "success": true,
  "message": "Business KYC submission received successfully",
  "business_data": {
    "customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
    "type": "business",
    "business_legal_name": "Acme Payments LLC",
    "status": "submitted",
    "created_at": "2026-06-01T10:00:00.000000Z"
  }
}

Check KYC / KYB status

GET /customer/kyc/{customer_id}

customer_id

string

required

The customer UUID.

Status values

Status	Description
`not_started`	No submission has been made
`submitted`	Received, awaiting review
`manual_review`	Under manual compliance review
`approved`	Customer is fully verified
`rejected`	Rejected — see `kyc_rejection_reasons`
`under_review`	Additional review in progress

Check both status === "approved" and is_va_approved === true before enabling payment features for a customer.

curl -X GET 'https://api.yativo.com/api/v1/customer/kyc/c586066b-0f29-468f-b775-15483871a202' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

{
  "status": "success",
  "status_code": 200,
  "data": {
    "first_name": "Alex",
    "last_name": "Smith",
    "status": "approved",
    "kyc_rejection_reasons": [],
    "kyc_requirements_due": [],
    "bio_data": {
      "customer_kyc_status": "approved",
      "kyc_verified_date": "2026-06-01T12:00:00.000000Z"
    },
    "kyc_link": "https://kyc.yativo.com/individual/c586066b-0f29-468f-b775-15483871a202",
    "is_va_approved": true
  }
}

Update a KYC submission

Use this endpoint to correct information or provide missing documents after a rejection.

PUT /customer/kyc/update

Send only the fields you need to correct. customer_id is always required.

curl -X PUT 'https://api.yativo.com/api/v1/customer/kyc/update' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: kyc-update-2026-002' \
  -d '{
    "customer_id": "c586066b-0f29-468f-b775-15483871a202",
    "selfie_image": "https://storage.yativo.com/documents/abc/selfie-v2.jpg",
    "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-hd.jpg"
      }
    ]
  }'

Service endorsements

After approval, customers receive service endorsements that unlock specific payment rails.

Service	Description
`base`	USD base payment access
`sepa`	European SEPA transfers
`spei`	Mexico SPEI transfers
`brazil`	Brazilian payment rails
`eurde`	EUR/DE virtual accounts
`usd_latam`	USD Latin America transfers
`eur_latam`	EUR Latin America transfers
`virtual_card`	Virtual card issuance
`asian`	Asian region payments
`native`	Native payment rails
`cobo_pobo`	Collection / payment-on-behalf-of

Endorsement statuses

Status	Description
`not_started`	Not yet initiated
`pending`	Awaiting review
`approved`	Active for this customer
`rejected`	Rejected
`declined`	Customer declined
`under_review`	Additional review in progress

Regenerate an endorsement link

If an endorsement link has expired, regenerate it and share the new URL with the customer:

GET https://kyc.yativo.com/api/kyc/regenerate/{customer_id}/{service}

curl -X GET 'https://kyc.yativo.com/api/kyc/regenerate/c586066b-0f29-468f-b775-15483871a202/sepa' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

{
  "success": true,
  "message": "Endorsement link regenerated successfully",
  "data": {
    "service": "sepa",
    "customer_id": "c586066b-0f29-468f-b775-15483871a202",
    "link": "https://kyc.yativo.com/endorsement/sepa/c586066b-0f29-468f-b775-15483871a202?token=abc123"
  }
}

Reference lookups

Occupation codes

Get the full list of valid occupation codes for most_recent_occupation_code:

GET /auth/occupation-codes

curl -X GET 'https://api.yativo.com/api/v1/auth/occupation-codes' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

{
  "status": "success",
  "status_code": 200,
  "data": [
    { "display_name": "Software developer", "code": "151252" },
    { "display_name": "Accountant and auditor", "code": "132011" },
    { "display_name": "Financial manager", "code": "113031" },
    { "display_name": "Registered nurse", "code": "291141" }
  ]
}

Supported countries

Get the list of countries supported for customer registration and verification:

GET /auth/verification-locations

curl -X GET 'https://api.yativo.com/api/v1/auth/verification-locations' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

{
  "status": "success",
  "status_code": 200,
  "data": [
    { "country": "United States", "code": "US" },
    { "country": "Brazil", "code": "BR" },
    { "country": "Nigeria", "code": "NG" },
    { "country": "Mexico", "code": "MX" },
    { "country": "Colombia", "code": "CO" }
  ]
}

Enum reference values

`employment_status`

API value	Description
`employed`	Employed
`exempt`	Exempt
`homemaker`	Homemaker
`retired`	Retired
`self_employed`	Self-Employed
`student`	Student
`unemployed`	Unemployed

`expected_monthly_payments_usd`

API value	Range
`0_4999`	Less than $5,000
`5000_9999`	$5,000 –$ 9,999
`10000_49999`	$10,000 –$ 49,999
`50000_plus`	$50,000 or more

`source_of_funds`

API value	Description
`business_income`	Business Income
`company_funds`	Company Funds
`ecommerce_reseller`	Ecommerce Reseller
`gambling_proceeds`	Gambling Proceeds
`gifts`	Gifts
`government_benefits`	Government Benefits
`inheritance`	Inheritance
`investments_loans`	Investments / Loans
`pension_retirement`	Pension / Retirement
`salary`	Salary
`sale_of_assets_real_estate`	Sale of Assets or Real Estate
`savings`	Savings
`someone_elses_funds`	Someone Else’s Funds

`account_purpose`

API value	Description
`business_transactions`	Business Transactions
`charitable_donations`	Charitable Donations
`ecommerce_retail_payments`	Ecommerce / Retail Payments
`investment_purposes`	Investment Purposes
`operating_a_company`	Operating a Company
`other`	Other (requires `account_purpose_other`)
`payments_to_friends_or_family_abroad`	Payments to Friends or Family Abroad
`personal_or_living_expenses`	Personal / Living Expenses
`protect_wealth`	Protect Wealth
`purchase_goods_and_services`	Purchase Goods and Services
`receive_payment_for_freelancing`	Receive Payment for Freelancing
`receive_salary`	Receive Salary

`high_risk_activities` (KYB)

API value	Description
`adult_entertainment`	Adult entertainment
`gambling`	Gambling
`hold_client_funds`	Holding client funds
`investment_services`	Investment services
`lending_banking`	Lending or banking
`marijuana_or_related_services`	Marijuana-related services
`money_services`	Money services
`operate_foreign_exchange_virtual_currencies_brokerage_otc`	Foreign exchange / crypto brokerage / OTC
`pharmaceuticals`	Pharmaceuticals
`precious_metals_precious_stones_jewelry`	Precious metals / stones / jewelry
`safe_deposit_box_rentals`	Safe deposit box rentals
`weapons_firearms_and_explosives`	Weapons / firearms / explosives
`none_of_the_above`	None of the above

`business_type` (KYB)

cooperative, corporation, llc, partnership, sole_prop, trust, other

ID types by country

The accepted type values under identifying_information depend on the issuing country. Common types available globally:

Type	Description
`passport`	Passport
`national_id`	National ID card
`other`	Other government-issued ID

Countries also accept country-specific types, for example:

Country	Extra types available
`NG` (Nigeria)	`tin`, `nin`, `bvn`
`US` (United States)	`ssn`, `itin`
`BR` (Brazil)	`cpf`
`GB` (United Kingdom)	`nino`, `utr`
`IN` (India)	`pan`
`MX` (Mexico)	`rfc`, `curp`, `ine`
`DE` (Germany)	`steuer_id`
`AE` (UAE)	`emirates_id`

Use GET /auth/verification-locations to check which countries are supported, and consult the full ID type reference in the API reference section.

Webhooks

Configure your webhook endpoint in the Yativo dashboard to receive status updates automatically.

Events

Event	Description
`kyc.status_updated`	KYC/KYB verification status changed
`kyc.endorsement_updated`	A specific service endorsement status changed

Payload example

{
  "event": "kyc.status_updated",
  "data": {
    "customer_id": "c586066b-0f29-468f-b775-15483871a202",
    "status": "approved",
    "type": "individual",
    "endorsements": ["base", "sepa"],
    "rejection_reasons": [],
    "updated_at": "2026-06-01T15:00:00.000000Z"
  }
}

Error handling

{
  "status": "failed",
  "status_code": 422,
  "message": "Request failed",
  "data": {
    "email": ["The email field is required."],
    "nationality": ["The nationality must be 2 characters."],
    "identifying_information": ["The identifying information field is required."]
  }
}

Common errors and fixes

Error	Fix
`customer_id does not exist`	Create the customer first with `POST /customer`
`nationality must be 2 characters`	Use ISO 3166-1 alpha-2 (e.g. `"US"`, `"NG"`)
`birth_date must be a date before today`	Ensure the date is in the past
`expiration_date must be a date after today`	ID document must not be expired
`bvn is required`	Required for Nigerian nationals — exactly 11 digits
`nin is required`	Required for Nigerian nationals — exactly 11 digits
`calling_code is invalid`	Must be `+` followed by 1–4 digits, e.g. `"+1"`, `"+234"`
`identifying_information is required`	At least one ID document must be included
`documents is required`	KYB requires at least one business document

Implementation notes

KYC review typically completes within 24 hours. Complex cases may take longer.
Use Idempotency-Key on all POST and PUT requests to prevent duplicate submissions.
Files can be passed as hosted URLs (from POST /storage/upload) or base64-encoded strings — both are accepted.
For Nigerian customers (nationality: "NG"), bvn and nin are mandatory regardless of which ID type is provided.
The state field accepts both "US-CA" and "CA" — the API normalizes both forms.
Access tokens expire in 600 seconds. Implement token refresh before making KYC submissions in long-running flows.

​Environments

​Integration approaches

​Verification flow

​Upload documents

​Individual KYC

​Submit

​Step 1 — Personal details

​Step 2 — Residential address

​Step 3 — Identifying information

​Step 4 — Risk and purpose

​Step 5 — Supporting documents

​KYC example request

​Business KYB

​Submit

​Step 1 — Business basics

​Step 2 — Addresses

​Step 3 — Associated persons

​Step 4 — Risk and purpose

​Step 5 — Regulated activity

​Step 6 — Business documents

​Step 7 — Business identifying information (optional)

​KYB example request

​Check KYC / KYB status

​Status values

​Update a KYC submission

​Service endorsements

​Endorsement statuses

​Regenerate an endorsement link

​Reference lookups

​Occupation codes

​Supported countries

​Enum reference values

​employment_status

​expected_monthly_payments_usd

​source_of_funds

​account_purpose

​high_risk_activities (KYB)

​business_type (KYB)

​ID types by country

​Webhooks

​Events

​Payload example

​Error handling

​Common errors and fixes

​Implementation notes

Environments

Integration approaches

Verification flow

Upload documents

Individual KYC

Submit

Step 1 — Personal details

Step 2 — Residential address

Step 3 — Identifying information

Step 4 — Risk and purpose

Step 5 — Supporting documents

KYC example request

Business KYB

Submit

Step 1 — Business basics

Step 2 — Addresses

Step 3 — Associated persons

Step 4 — Risk and purpose

Step 5 — Regulated activity

Step 6 — Business documents

Step 7 — Business identifying information (optional)

KYB example request

Check KYC / KYB status

Status values

Update a KYC submission

Service endorsements

Endorsement statuses

Regenerate an endorsement link

Reference lookups

Occupation codes

Supported countries

Enum reference values

`employment_status`

`expected_monthly_payments_usd`

`source_of_funds`

`account_purpose`

`high_risk_activities` (KYB)

`business_type` (KYB)

ID types by country

Webhooks

Events

Payload example

Error handling

Common errors and fixes

Implementation notes