Create Application

Create a new individual KYC application with personal info, identity, document, verification, and optional due diligence.

The application is created with status DRAFT. After creation, upload required documents via the Upload Document endpoint, then call Submit Application to trigger risk assessment.

Restrictions

• One application per end-user: Each reference_id (retail end-user) can only have one application. Submitting the same reference_id again returns 409 Conflict.
• Minimum age: Applicant must be at least 18 years old (based on date_of_birth). Underage applicants are rejected at creation time with 400 Bad Request.
• Prohibited countries: Applications from prohibited-risk countries are rejected at creation time with 400 Bad Request.

Flow

1. Submit customer data (person, phone, address, identity, document, verification, optionally due_diligence)
2. Application is created with status DRAFT — response includes pending_documents listing required files
3. Upload each required document via PUT /v1/individuals/applications/{id}/documents/{type}
4. When all required documents are uploaded, call POST /v1/individuals/applications/{id}/submit
5. Use Get Application or webhook to track the current status

Status Lifecycle

• DRAFT → awaiting document uploads
• PROCESSING → all documents uploaded, under review
• ACTION_REQUIRED → additional information needed (e.g., EDD)
• APPROVED → application approved, account created
• REJECTED → application rejected

KYC Levels

• Level 0: Unverified (no withdrawal)
• Level 2: Advanced KYC approved (standard withdrawal limits)
• Level 3: EDD approved (highest withdrawal limits)