KYC — Nigeria (NGN + USD)

KYC requirements for opening NGN and USD accounts for Nigerian users. Provisioned in two separate stages

LifecycleUserWalletKYCRailFundMove money

The two accounts are provisioned in separate stages.

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Stage 1: NGN local account

Triggered by: POST /onboarding/start-nigeria

Required at call time:

Field
bvn	required — 11-digit Bank Verification Number
ngnWalletAddress	required
ngnWalletIndex	required

The BVN is verified and used to auto-populate KYC profile fields. Proxy users run a single wallet address across currencies, so the NGN wallet is mirrored onto the USD fields server-side — no separate USD wallet address is passed here.

Helper lookups (verify without saving): GET /kyc/bvn-lookup/:bvn and GET /kyc/nin-lookup/:nin return the holder’s details so you can pre-fill or confirm before submitting.

Test BVN: use 22222222222 in the sandbox. It returns a fixed set of holder details and always verifies successfully — real BVNs are not accepted outside production.

Personal Info

Field
firstName	required
lastName	optional
phoneNumber	required — min 10 digits
dateOfBirth	required
gender	optional

Address (must be a Nigerian address)

Field
streetLine1	required
city	required
state	required — must be a valid Nigerian state name (stored upstream as subdivisionName)
postalCode	required — 6 digits
countryCode	required — "NGA"

Identification Numbers

Field
bvn	required — 11 digits, type: "bvn"

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Stage 2: USD international account — Enhanced Due Diligence

Triggered by: POST /kyc/activate

Nigeria is a high-risk jurisdiction, so the USD account requires Enhanced Due Diligence (EDD). All USD core requirements apply, plus:

Employment

Field
employment.employmentStatus	required
employment.occupationCode	required, non-null — from GET /kyc/occupations
employment.employerName	optional

Financial / Compliance

Field
sourceOfFunds	required — cannot be "salary" if unemployed or a student
estimatedMonthlyVolume	required, in USD
accountPurpose	defaults to "personal"
actingAsIntermediary	defaults to false

Identification Document (uploaded)

• 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

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Key notes

• BVN verification happens automatically during the Nigeria onboarding workflow. The KYC profile is populated from the verified BVN data.
• The Nigeria workflow only provisions the NGN (local) account. The USD account is provisioned later via POST /kyc/activate, then POST /onboarding/start-usa (gated on GET /kyc/usd-readiness), once KYC data is complete.