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Prerequisite: have a session token. See Authentication.

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Flow

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Steps

1

1) Get fields + values

GET /kyc/values to see required fields and allowed values.
2

2) Submit application

POST /kyc/applications with the fields below. Sandbox: set lastName to approved to auto‑approve.
3

3) Complete verification

We return a completionLink (or externalVerificationLink). Open it in a browser for document upload and face match. Users finish verification there — you don’t need to handle media.
4

4) Check status

Poll GET /kyc/status until the status becomes approved (or an actionable state such as needs_information).
5

5) Accept agreements

After approval, fetch the agreements and collect user consent. See Agreements.

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States

  • approved
  • pending
  • needs_information
  • needs_verification
  • manual_review
  • denied
  • locked
  • canceled

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Fields (submit application)

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firstName
string
required
Given name.
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lastName
string
required
Family name. Sandbox shortcut: set to approved to auto-approve.
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birthDate
string
required
YYYY-MM-DD (e.g., 1990-01-01).
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nationalId
string
required
Government ID number (letters, numbers, dashes only).
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countryOfIssue
string
required
ISO-3166-1 alpha-2 country code (e.g., US). Case-insensitive.
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email
string
required
Email address.
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phoneCountryCode
string
Optional phone dial code digits only (e.g., 1).
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phoneNumber
string
Optional phone number digits only (include area code).
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address.line1
string
required
Street address (line 1).
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address.line2
string
Street address (line 2).
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address.city
string
required
City.
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address.region
string
required
State/region (e.g., CA).
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address.postalCode
string
required
Postal/ZIP code.
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address.countryCode
string
required
ISO-3166-1 alpha-2 country code (e.g., US). Case-insensitive.
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occupation
string
required
SOC occupation code (e.g., 49-3023). Full list: KYC Field Values.
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annualSalary
string
required
Choose one label (we map to the underlying range for you):
  • <40k
  • 50k–99k
  • 100k–149k
  • 150k+
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accountPurpose
string
required
Choose one:
  • everyday spend
  • subscriptions
  • business expenses
  • testing
  • other
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expectedMonthlyVolume
string
required
Choose one label (we map to the underlying range for you):
  • under $1k
  • 1k–1k–5k
  • 5k–5k–20k
  • $20k+

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Response (status)

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status
string
required
One of: approved, pending, needs_information, needs_verification, manual_review, denied, locked, canceled.
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applicationId
string
Identifier for the submitted application (when available).
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reason
string
Additional context for non-approved statuses.
Sandbox shortcut: set lastName to approved to auto‑approve. See KYC Field Values for allowed field values.