KYC — Rest of World

KYC requirements for Ghana, China, India, South Africa, and other supported countries opening a USD account.

LifecycleUserWalletKYCRailFundMove money

Applies to: Ghana (GHA), China (CHN), India (IND), South Africa (ZAF), and other supported countries opening a USD account.

Looking for a region with dedicated local rails? Mexico has its own flow — see KYC — Mexico and the MXN on/offramp. Cash pay-in/pay-out across Latin America is covered in LATAM — cash orders.

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How it works (the flow)

1. PATCH /kyc — User submits KYC data progressively (partial updates allowed), alongside the document uploads below.
2. POST /kyc/activate — Detects the country from the KYC profile address and starts the KYC workflow.
3. Provision the USD virtual bank account — GET /kyc/usd-readiness (gate on ready) → POST /onboarding/start-usa with { smartWalletId } → poll GET /vba/usd for status.

The sumsubLevelName parameter is required at activation for non-Nigeria, non-Canada users:

Value	Description
id-only	ID document only
id-and-liveness	ID + liveness/selfie check
idv-and-phone-verification	ID + liveness + phone verification

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Core requirements

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

Field
employmentStatus	required
occupationCode	optional — from GET /kyc/occupations
employerName	optional

Financial / Compliance

Field
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 Documents (uploaded files)

• At least one proof of address document required
• Must include at least one file

Biometric Documents (uploaded files)

• A biometric scan (e.g. selfie / liveness) is required
• Must include at least one file

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