KYC/KYB Requirements Diagram

KYC — Individual customer

Split into two diagrams: a compact overall flow, and a left-to-right jurisdiction router for the identity step (branches stack vertically, so each is readable). Spain and the EEA share identity rules and are grouped; every other jurisdiction has its own document, liveness, database-validation and extra-field requirements.

KYC — overall flow

flowchart TD
    A([Individual begins onboarding in partner Sumsub flow]) --> B{Eligible?<br/>residence country allowed<br/>and of legal age}
    B -- No --> X1([Application declined])
    B -- Yes --> V[Identity and document verification<br/>jurisdiction-specific — see router below]
    V --> K[Address capture<br/>default: geolocation or PoA + IP geolocation<br/>UK and Argentina: document upload, no geolocation]
    K --> L[Financial profile and declarations<br/>purpose of use · monthly volume · occupation · source of wealth]
    L --> E{Automated AML screening<br/>PEP and sanctions}
    E -- Match --> X2([Rejected])
    E -- Clear --> F[Submit to Due Group Compliance]
    F --> G{Compliance review<br/>complete and clear?}
    G -- Incomplete --> M[Due requests info<br/>itemised list to partner compliance email]
    M --> K
    G -- Approved --> Y([Customer approved])
    G -- Declined --> X3([Rejected])

    classDef decline fill:#FCE4E4,stroke:#C00000,color:#7F1D1D;
    classDef approve fill:#E2EFDA,stroke:#2E7D32,color:#1B4332;
    classDef gate fill:#FFF3CD,stroke:#B7791F,color:#7A5B00;
    class X1,X2,X3 decline;
    class Y approve;
    class B,E,G gate;

KYC — jurisdiction router (identity & document verification)

flowchart LR
    J{Route by<br/>jurisdiction} --> S1[Spain and EEA<br/>ID card, passport or EU residence permit<br/>web camera + SEPBLAC video-ID recording]
    J --> S2[United Kingdom<br/>ID card or passport; eVisa NonDoc for resident non-nationals<br/>web camera, liveness off at step 35]
    J --> S3[Brazil<br/>ID, res. permit, passport or driver licence<br/>advanced liveness + CPF verification]
    J --> S4[Argentina<br/>DNI live capture + Renaper<br/>advanced liveness · marital status · sworn statement UIF]
    J --> S5[Nigeria<br/>ID, res. permit or passport<br/>advanced liveness + BVN]
    J --> S6[USA<br/>ID, res. permit, passport or driver licence<br/>advanced liveness + SSN or TIN]
    J --> S7[Singapore<br/>ID, res. permit or passport<br/>advanced liveness + Singapore Identity Validation]
    J --> S8[Rest of World<br/>ID, res. permit, passport or driver licence<br/>advanced liveness]
    S1 --> Z([Continue to address capture])
    S2 --> Z
    S3 --> Z
    S4 --> Z
    S5 --> Z
    S6 --> Z
    S7 --> Z
    S8 --> Z

    classDef gate fill:#FFF3CD,stroke:#B7791F,color:#7A5B00;
    classDef juris fill:#E8EEF9,stroke:#1F3864,color:#1F3864;
    class J gate;
    class S1,S2,S3,S4,S5,S6,S7,S8 juris;

Jurisdiction quick-reference

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KYB — Corporate customer

Requirements are largely uniform across jurisdictions; the one jurisdiction-dependent branch is the shareholder / beneficial-ownership evidence, which depends on whether a public beneficial-ownership register exists.

flowchart TD
    A([Company begins KYB onboarding]) --> B{Eligible?<br/>country of incorporation or operation allowed<br/>and business sector permitted}
    B -- No --> X1([Application declined])
    B -- Yes --> C[Company profile<br/>identification · registered address<br/>documents: incorporation · 6-month bank statement · accounts]
    C --> D[Associated parties<br/>shareholders 25% or more · UBOs · directors]
    D --> R{Public beneficial-ownership<br/>register in jurisdiction?}
    R -- Yes --> R1[Provide shareholder registry<br/>+ director registry]
    R -- No --> R2[Provide all corporate deeds<br/>+ sworn UBO declaration by legal representative]
    R1 --> D2[[UBOs and directors complete individual KYC]]
    R2 --> D2
    D2 --> E[Business and financial questionnaire<br/>activities · operating and customer countries · industry<br/>volume · source of funds · sanctioned-country exposure · licences · attestation]
    E --> F{Automated AML screening<br/>entity and associated parties<br/>PEP and sanctions}
    F -- Match --> X2([Rejected])
    F -- Clear --> G[Submit to Due Group Compliance]
    G --> H{Compliance review<br/>complete and clear?}
    H -- Incomplete --> I[Due requests info<br/>itemised list to partner compliance email]
    I --> E
    H -- Approved --> Y([Company approved])
    H -- Declined --> X3([Rejected])

    classDef decline fill:#FCE4E4,stroke:#C00000,color:#7F1D1D;
    classDef approve fill:#E2EFDA,stroke:#2E7D32,color:#1B4332;
    classDef gate fill:#FFF3CD,stroke:#B7791F,color:#7A5B00;
    classDef link fill:#E8EEF9,stroke:#1F3864,color:#1F3864;
    class X1,X2,X3 decline;
    class Y approve;
    class B,R,F,H gate;
    class D2 link;

Note: In the KYB flow, every UBO (25%+ ownership) and director completes the individual KYC flow above — including the jurisdiction-specific routing — before the corporate case can be approved.