> ## Documentation Index
> Fetch the complete documentation index at: https://bkey.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# KYC — Rest of World

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

<div className="bmoni-spine">
  <span>Lifecycle</span>
  <a data-stage="1" href="/lifecycle#1-create-the-user">User</a>
  <a data-stage="2" href="/lifecycle#2-provision-the-smart-wallet">Wallet</a>
  <a data-stage="3" href="/lifecycle#3-verify-identity-kyc">KYC</a>
  <a data-stage="4" href="/lifecycle#4-activate-the-rail">Rail</a>
  <a data-stage="5" href="/lifecycle#5-fund-the-wallet">Fund</a>
  <a data-stage="6" href="/lifecycle#6-move-money">Move money</a>
</div>

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

<Info>
  Looking for a region with dedicated local rails? Mexico has its own flow — see [KYC — Mexico](/api-reference/kyc-mex-requirements) and the [MXN on/offramp](/api-reference/mxn-ramp). Cash pay-in/pay-out across Latin America is covered in [LATAM — cash orders](/api-reference/latam-cash).
</Info>

***

## 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 |

***

## 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

***