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}.

All new customers start at Basic (customers-api-basic-ca). Enhanced is assigned during verification based on questionnaire answers, not from expectedMonthlyVolume at creation.

Some high-risk customers may be flagged for manual review.

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:

Email Verification - Customer confirms their email address (first step)
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 - Expected monthly volume (completed during the KYC flow)

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 of €1,000 or more entered during the KYC questionnaire
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.

Providing expectedMonthlyVolume when creating a customer does not affect the starting level.

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 - Expected monthly volume (completed during verification)

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 - 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 will be migrated to the relevant new CA levels upon using the new KYC flow link.