KYC Levels
Understand KYC levels and which customer capabilities each verification tier unlocks.
Every customer completes one of the levels below. The exact level identifier is returned in the levelName field of GET /customers/{customerId}.
Available levels
API levels are assigned to customers created via the API; manual upload levels are used when a customer's documents are uploaded on their behalf and do not require a liveness check.
| Level | levelName | Requirements |
|---|---|---|
| Basic | customers-api-basic-ca | Identity, liveness, proof of address, questionnaire |
| Basic + EU declaration | customers-api-basic-ca-eu | Basic requirements + EU declaration |
| Enhanced | customers-api-enhanced-ca | Basic requirements + additional info and source of funds |
| Enhanced + EU declaration | customers-api-enhanced-ca-eu | Enhanced requirements + EU declaration |
| Basic (manual upload) | customers-ui-flow-ca | Identity, proof of address, questionnaire (no liveness) |
| Basic (manual upload) + EU declaration | customers-ui-flow-ca-eu | Manual upload basic requirements + EU declaration |
| Enhanced (manual upload) | customers-ui-flow-enhanced-ca | Manual upload basic requirements + additional info and source of funds |
| Enhanced (manual upload) + EU declaration | customers-ui-flow-enhanced-ca-eu | Manual upload enhanced requirements + EU declaration |
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 KYC flow link and cannot be completed through API document uploads.
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 KYC flow link.
Automatic Level Upgrade: Customers are automatically moved to the enhanced level if:
- Expected monthly volume is €1,000 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 KYC flow link.
EU declaration
Customers whose proof of address is in the EU/EEA complete one additional step:
- EU declaration - A short attestation confirming the basis for using the service
This step is added on top of the customer's Basic or Enhanced requirements and appears as an additional questionnaire step in kyc.steps.
Manual upload verification
Simplified verification for manual document uploads. This level is automatically assigned when a customer's documents are uploaded manually rather than through the 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 levels
⚠️ Deprecated - The following levels are no longer assigned to new customers: customers-flow, customers-ui-flow, customers-ui-flow-enhanced, customers-api-basic, and customers-api-enhanced.
Existing customers on these levels continue to function normally and no action is required.