Flexible KYC checks

Our create customer API allows clients to make dynamic decisions on the number of KYC checks they wish to apply to each customer's onboarding journey.

There are two options available to our clients.

Standard KYC: The customer will be taken through ID&V, Document Certification and Sanctions Screening.

Reduced KYC: The customer will only be taken through Sanctions Screening

To specify to the system you wish to have reduced KYC for a given customer then simply pass "onlySanctionsCheck": true in the payload as detailed below.

{
  "customerDetails": {
    "dateOfBirth": "1990-04-21",
    "firstName": "Test",
    "lastName": "Test",
    "middleName": "Test",
    "preferredName": "Test Test",
    "title": "Mr."
  },
  "idempotencyKey": "3638625a-79f9-4b50-a91c-81aa23a11e68",
  "email": "[email protected]",
  "address": {
    "countryCodeIso": "AUS",
    "line1": "11 York st",
    "line2": "",
    "line3": "",
    "line4": "",
    "line5": "",
    "postcode": "2000",
    "administrativeRegion": "NSW",
    "townOrCity": "Sydney"
  },
  "phoneNumber": {
    "countryCodePrefix": "61",
    "numberAfterPrefix": "5883924545"
  },
  "identityDocumentType": "DRIVING_LICENSE",
  "identityDocumentNumber": "1728375388",
  "customerTier": "FOUNDER",
  "taxObligations": [
    {
      "country": "AUS",
      "taxIdNumber": "1728375388"
    }
  ],
  "onlySanctionsCheck": true
}'

There are no changes to how the platform processes either customers outcomes in either Standard or Reduced KYC. If a customer fails a check they will be referred to an operational colleague.