> ## Documentation Index
> Fetch the complete documentation index at: https://docs.swipelux.com/llms.txt
> Use this file to discover all available pages before exploring further.

# KYC verification levels

> Review simplified, standard, and enhanced KYC policy requirements, triggers, and evidence.

## 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.

<Warning>
  These tiers describe policy classifications rather than current API enums.
  Current tasks determine the requirements for a specific customer.
</Warning>

## Simplified KYC

Simplified KYC is used for approved low-risk, low-value flows.

### Required information

* 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

| Document type            | Requirements                                                         |
| ------------------------ | -------------------------------------------------------------------- |
| Bank statement           | Issued within the last 90 days                                       |
| Utility bill             | Electricity, gas, water, or internet; issued within the last 90 days |
| Government-issued letter | Tax notice or official correspondence issued within the last 90 days |

### Proof of funds requirements

| Document type         | Description                                            |
| --------------------- | ------------------------------------------------------ |
| Bank statements       | Recent statements showing sufficient balance or income |
| Pay stubs             | Employment income verification                         |
| Tax returns           | Annual tax documentation                               |
| Investment statements | Brokerage or retirement-account statements             |

## 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](/integration/onboarding/customers#individual-customers), [Capabilities and tasks](/integration/onboarding/capabilities-and-requirements#complete-current-tasks), and the [Integration Documents guide](/integration/onboarding/capabilities-and-requirements#upload-documents).


## Related topics

- [Individual onboarding overview](/knowledge-base/individual-onboarding/overview.md)
- [Overview](/knowledge-base/compliance/overview.md)
- [KYC status and workflow](/knowledge-base/individual-onboarding/status-and-workflow.md)
- [Governance and Roles](/knowledge-base/compliance/governance-retention-and-privacy.md)
- [Simulate customer verification](/api-reference/sandbox/post-v3-sandbox-customers-by-customer-id-verification.md)