KYC verification levels
Swipelux uses three policy tiers of identity verification. The applicable tier depends on customer risk, jurisdiction, expected transaction volume, and regulatory requirements.
These tiers describe policy classifications rather than current API enums.
Current tasks determine the requirements for a specific customer.
Simplified KYC
Simplified KYC is used for approved low-risk, low-value flows.
- First name
- Last name
- Date of birth
When it is used
- Transaction amounts are below applicable simplified thresholds
- The customer is in a low-risk jurisdiction
Standard KYC
Standard KYC verifies identity with a government-issued document and a selfie or liveness check.
Required documents
- Government-issued ID
- Selfie or liveness check
Accepted ID documents
- Passport
- Driver’s license
- National ID card
Enhanced KYC (enhanced due diligence)
Enhanced KYC adds address and funds evidence for higher-risk scenarios.
Required documents
- Everything required for Standard KYC
- Proof of address
- Proof of funds
Triggers for enhanced KYC
- Transaction volume exceeds standard thresholds
- High-risk jurisdiction
- Compliance-team flag based on risk assessment
- Regulatory requirements
Proof of address requirements
Proof of funds requirements
Policy tiers and current tasks
The current task detail remains the source of truth for the next API action. It can provide a first-party hosted session, request answers through a submission, or request document evidence.
For some enhanced reviews, the compliance team may also contact the customer’s registered email address. Treat that contact as policy review coordination, not a substitute for reading current API resources.
See individual onboarding, Capabilities and tasks, and the Integration Documents guide.
