KYC — Canada (CAD)

KYC requirements for opening a CAD account for Canadian users. Identity verification is handled upstream — no document uploads required from our side.

LifecycleUserWalletKYCRailFundMove money

Identity verification is handled upstream. No document uploads are required from the API side.

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How it works (the flow)

1. POST /onboarding/start-canada — Registers the CAD wallet address and triggers the onboarding context.
2. PATCH /kyc — User submits KYC data progressively (partial updates allowed).
3. POST /kyc/activate — Detects the Canadian address and creates a Customer record. The response either carries a hosted verification URL or does not — branch on it.
4. Branch on the activation response:
   • A verification URL is returned — open it so the user can finish identity verification, then return them to your app.
   • No URL is returned — the user’s identity was already satisfied by the Global KYC share, so there is nothing to open. Go straight to polling. Global KYC itself never runs in a WebView.
5. GET /onboarding/status — Poll to check KYC completion (the backend receives the provider’s webhooks). Both branches above land here.

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Core requirements

Personal Info

Field
firstName	required
lastName	required
dateOfBirth	required

Contact (from user account)

Field
email	required
phoneNumber	required — must be a valid Canadian phone number

Address (must be a Canadian address)

Field
streetLine1	required
city	required
state	required — province (stored upstream as subdivisionName)
postalCode	required — format: A1A 1A1 or A1A1A1
countryCode	required — "CAN"

Valid province codes

Code	Province
ab	Alberta
bc	British Columbia
mb	Manitoba
nb	New Brunswick
nl	Newfoundland & Labrador
ns	Nova Scotia
nt	Northwest Territories
nu	Nunavut
on	Ontario
pe	Prince Edward Island
qc	Quebec
sk	Saskatchewan
yt	Yukon

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Not required (handled upstream)

• Document uploads — collected directly from the user during verification
• SIN (Social Insurance Number) — collected directly from the user

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