Completing the KYC

Before You Start

Read the following guides before proceeding:

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KYC (Know Your Customer) verification is required before users can access financial features in Wirex BaaS. Verification determines which capabilities become available to users, including bank accounts, card issuance, and transfer limits.

Wirex supports three verification flows depending on your existing infrastructure and user experience requirements:

Verification Levels

PoI = Proof of Identity, PoA = Proof of Address.

Verification Flow

sequenceDiagram
    participant User
    participant App as Your App
    participant BaaS as Wirex BaaS
    participant KYC as KYC Provider

    Note over User,KYC: Registration
    User->>App: Sign up
    App->>BaaS: POST /api/v2/user
    BaaS-->>App: user_id

    Note over User,KYC: Verification
    App->>KYC: User completes KYC
    KYC->>BaaS: Verification result
    BaaS->>App: POST /webhook/users<br/>(verification_status)

    Note over App,BaaS: Check Capabilities
    App->>BaaS: GET /api/v2/user
    BaaS-->>App: capabilities[]

Choosing a Flow

Wirex Hosted

• You collect minimal user data (email, country)
• Users are redirected to Wirex/SumSub interface for verification
• Wirex handles the entire KYC process
• Best for: Partners without existing KYC infrastructure

SumSub Shared

• Your users are already verified via SumSub
• Share existing verification using a share token
• Requires 3-party data sharing agreement
• Best for: Partners already using SumSub

KYC Sharing via API

• You perform full KYC verification on your platform
• Provide complete verified data via API
• Requires Wirex audit and approval
• Best for: Partners with established KYC processes

Verification Status

Users progress through verification statuses:

Capabilities and KYC

Capabilities are unlocked based on verification level. See Capabilities for the full list and their verification requirements.

After KYC approval, check the user's capabilities to determine which features are available.