Individual customers must complete Know Your Customer (KYC) verification to comply with anti-money laundering (AML) regulations. This page outlines the specific documentation and information requirements for individual customer onboarding.

Overview

Individual KYC verification confirms:

Identity: Who the person is (name, date of birth, nationality)
Address: Where they reside (current residential address)
Identity Document: Government-issued photo identification
Legitimacy: Verification against sanctions lists and adverse media

Required Information

Basic Personal Information

Field	Description	Example
First Name	Legal first name as appears on government ID	"John"
Last Name	Legal last name as appears on government ID	"Smith"
Date of Birth	Full date of birth in YYYY-MM-DD format	"1985-03-15"
Email Address	Valid email address (must be unique per customer)	"[email protected]"
Phone Number	Full international phone number	"+1234567890"
Nationality	Country of citizenship	"US"

Residential Address

Field	Description	Required
Street Address Line 1	Primary address line	✅
Street Address Line 2	Apartment, suite, unit number	❌
City	City or municipality	✅
State/Province	State, province, or region	✅
Postal Code	ZIP code or postal code	✅
Country	Country code (ISO 3166-1 alpha-2)	✅

Tax Identification

Tax identification requirements vary by country:

Country	ID Type	Format	Example
United States	Social Security Number (SSN)	XXX-XX-XXXX	123-45-6789
United Kingdom	National Insurance Number	XX XX XX XX X	AB 12 34 56 C
Canada	Social Insurance Number (SIN)	XXX XXX XXX	123 456 789
Germany	Tax ID (Steuerliche Identifikationsnummer)	XX XXX XXX XXX	12 345 678 901
France	Tax Number (Numéro fiscal de référence)	XX XXXXXXXXX	12 345678901234
Australia	Tax File Number (TFN)	XXX XXX XXX	123 456 789

Required Documents

Government-Issued Photo ID

Primary accepted documents (choose one):

Passport: Valid, unexpired passport from any country
Driver's License: Government-issued driver's license
National ID Card: Official national identity card
Military ID: Active military identification card

Document requirements:

Must be current and unexpired
All information clearly visible and readable
No damage, alterations, or tampering
Security features visible (holograms, watermarks)

Proof of Address

Accepted documents (issued within last 3 months):

Utility Bills: Gas, electricity, water, internet, phone
Bank Statements: Official bank or credit card statements
Government Correspondence: Tax documents, voter registration, benefits letters
Insurance Statements: Home, auto, or health insurance
Rental Agreements: Lease agreements with landlord signature

Document requirements:

Issued within 90 days
Shows full name matching government ID
Displays complete residential address
From recognized institution or government entity

Additional Verification (if required)

Selfie Photo:

Live photo of individual holding government ID
Face clearly visible and matching ID photo
ID document readable in the photo
No filters, editing, or digital alterations

Country-Specific Requirements

United States

Required Information:

Social Security Number (SSN)
State of birth (if born in US)
Government-issued photo ID

Accepted IDs:

US Passport
State-issued driver's license
State-issued ID card
Military ID (active duty)

Special Requirements:

PATRIOT Act compliance verification
OFAC sanctions list screening
Address verification through third-party databases

European Union

Required Information:

National tax identification number
Country of birth
EU national ID or passport

GDPR Compliance:

Explicit consent for data processing
Right to data portability
Data retention period disclosure

United Kingdom

Required Information:

National Insurance Number
UK address verification
Valid UK or EU document

Post-Brexit Considerations:

Enhanced verification for EU citizens
Right to work verification if applicable

Canada

Required Information:

Social Insurance Number (SIN)
Province of residence
Canadian government-issued ID

Provincial Variations:

Quebec: Additional French language support
Enhanced driver's licenses accepted for address verification

Asia-Pacific

Australia

Tax File Number (TFN)
Australian driver's license or passport
Medicare card accepted as secondary ID

Singapore

NRIC/FIN number
Singapore address verification
Employment pass validation (if applicable)

Japan

My Number (Individual Number)
Resident card for foreign nationals
Address verification through Juminhyo

Africa

Nigeria

Required Information:

Bank Verification Number (BVN)
National Identification Number (NIN)
Phone number linked to BVN
Nigerian address verification

Accepted IDs:

National ID Card (NIN slip)
International Passport
Driver's License
Voter's Card

Kenya

Required Information:

National ID Number
KRA PIN (Kenya Revenue Authority Personal Identification Number)
M-Pesa number (for mobile money verification)
Kenyan address verification

Accepted IDs:

National ID Card
Passport
Military ID
Alien ID (for non-citizens)

Ghana

Required Information:

Ghana Card Number (National ID)
TIN (Taxpayer Identification Number)
Mobile Money number
Ghanaian address verification

Accepted IDs:

Ghana Card (National ID)
Passport
Driver's License
ECOWAS ID Card

South Africa

Required Information:

South African ID Number
Tax Reference Number
Bank account details
Proof of residence

Accepted IDs:

South African ID Document
Passport (SA or foreign)
Driver's License
Temporary ID Certificate

West Africa (UEMOA Zone)

Countries using West African CFA Franc (XOF): Senegal, Côte d'Ivoire, Mali, Burkina Faso, Benin, Togo

Required Information:

National ID from respective country
Tax identification number
Mobile money verification
Local address proof

Accepted IDs:

ECOWAS National ID
CEDEAO Passport
National Passport
Driver's License

Central Africa (CEMAC Zone)

Countries using Central African CFA Franc (XAF): Cameroon, Gabon, Congo Republic

Cameroon:

National ID Number
Tax ID from DGI (Direction Générale des Impôts)
Orange Money or MTN MoMo verification

Gabon & Congo:

National ID Card
Passport
Local tax identification
Mobile money integration

Southern Africa

Botswana:

Omang (National ID)
Tax ID Number
Bank account or mobile money (Orange Money)

Zambia:

National Registration Card (NRC)
Tax Identification Number
Mobile money: MTN MoMo, Airtel Money

Malawi:

National ID Number
TIN from Malawi Revenue Authority
Mobile money: TNM Mpamba, Airtel Money

Democratic Republic of Congo (DRC)

Required Information:

Carte d'Identité Nationale
Tax identification number
Mobile money verification (Orange Money, Airtel Money)
Local address in DRC

Processing Timeline

Automatic Approval

Timeframe: 30 seconds - 5 minutes
Conditions: Clear documents, consistent information, low-risk profile
Coverage: ~80% of individual applications

Manual Review

Timeframe: 1-3 business days (varies by region)
Triggers: Document quality issues, information inconsistencies, high-risk indicators
Process: Human compliance specialist review

Regional Processing Times:

North America (US/CA): 1-2 business days
Europe (EU/UK): 1-2 business days
Asia-Pacific: 2-3 business days
Africa: 3-5 business days
Latin America: 2-4 business days
High-risk jurisdictions: +1-2 additional days

Additional Information Required

Timeframe: Variable (depends on customer response)
Common requests: Alternative proof of address, updated documents, clarification letters
Resolution: Customer resubmits through KYC link or API update