Individual onboarding overview

Individual onboarding (KYC)

Individual customers complete KYC before they can transact. The verification level depends on jurisdiction, transaction volume, risk assessment, and regulatory requirements.

Requirements vary by customer, jurisdiction, capability, and review. Current tasks and generated schemas control what you must submit.

What KYC covers

KYC confirms a customer’s identity and can add address, liveness, financial-profile, or source-of-funds review as risk and regulatory requirements increase. Requirements can vary by jurisdiction, transaction volume, and use case.

KYC verification levels

Level	Requirements	Typical use case
Simplified	Name, surname, and date of birth	Approved low-value flows
Standard	Government-issued ID and selfie/liveness check	Regular transactions within standard limits
Enhanced	ID, selfie/liveness, proof of address, and proof of funds	High-value transactions or elevated-risk profiles

Simplified, Standard, and Enhanced are policy tiers, not current API status values.

Information collected

Depending on the current review, Swipelux can request:

Legal name and date of birth
Contact details
Residential address when required
Government-issued identity evidence and liveness evidence
Financial-profile information, including expected activity and source of funds, when required

Do not treat this list as a universal request body. The current customer schema and task detail determine the information required for a particular capability.

Current implementation

Create the individual customer, discover and request an eligible capability, then follow current tasks. A task can provide first-party hosted verification sessions or require a task submission. Upload documents only when that task asks for them. Follow the individual onboarding guide, Capabilities and tasks, and the individual API workflow map.

Support

For KYC policy questions, contact compliance@swipelux.com. For API implementation issues, contact support@swipelux.com.

Compliance

Business onboarding