KYC — Europe (EUR)

KYC requirements for opening a EUR (SEPA) account, provided by Monerium. Builds on the standard KYC wizard plus a Monerium authorization handshake.

LifecycleUserWalletKYCRailFundMove money

The EUR account flow uses Monerium as the provider. The user completes the standard KYC wizard, activates with a Global KYC level, starts Monerium onboarding, and finally completes a Monerium authorization handshake signed by the wallet owner key.

---

How it works (the flow)

1. Run the standard KYC wizard — PATCH /kyc plus document uploads (see core requirements).

2. POST /kyc/activate — with sumsubLevelName (EUR users follow the international Global KYC path; "id-and-liveness" is the common level).

3. POST /onboarding/start-monerium — registers the EUR wallet:

   Field
   eurWalletAddress	required — the smart wallet’s on-chain address
   eurWalletIndex	required — e.g. 0

4. POST /eu/kyc — completes the Monerium handshake:

   Field
   code	required — authorization code returned by Monerium
   signature	required — wallet-ownership signature (0x…) produced on-device by bmoni_embedded_sdk

5. GET /onboarding/status — poll moneriumStatus until active.

---

Core requirements

The standard international profile applies:

Personal Info

Field
firstName	required
lastName	required
middleName	optional
dateOfBirth	required

Address

Field
streetLine1	required
city	required
state	required — state/province (stored upstream as subdivisionName)
postalCode	required
countryCode	required — ISO 3166-1 alpha-3

Employment & Compliance

Field
employment.employmentStatus	required
sourceOfFunds	required

Identification Documents (uploaded files)

• At least one document of type: passport, drivers_license, national_id, or government_id
• Must include a front or additional image file
• documentNumber — required
• issuingCountryCode — required

Proof of Address & Biometric Documents (uploaded files)

• At least one proof of address document
• At least one biometric scan (selfie / liveness)

---

Next step

Once moneriumStatus is active, the user holds EURe and can send SEPA payouts — see EU — SEPA payouts.