KYC Flow

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Overview

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Requirements

• Phone number (required at user creation)
• One identity document (see below)
• Verified bank account (penny drop)
• PEP declaration

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Identity Verification

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Flow

1. Create user with phone number
2. Verify identity — submit any one document from the table above
3. Verify bank account — via penny drop
4. Submit PEP declaration — confirm whether the user is a politically exposed person
5. KYC status moves to verified — user can transact

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KYC Status

curl https://api.stablepay.global/v2/users/{userId}/kyc/status \
  -H "Authorization: Bearer YOUR_API_KEY"

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Webhooks

{
  "event": "user.kyc_updated",
  "data": {
    "userId": "usr_abc123",
    "kyc": {
      "level": "basic",
      "status": "verified"
    }
  }
}

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