KYC — USD Account Requirements

KYC requirements for starting a USD account. Requirements vary slightly by the user’s country of residence.

LifecycleUserWalletKYCRailFundMove money

The USD account is issued as a USD virtual bank account (VBA) — USD received (ACH/wire) is converted to USDB and swept to the user’s smart wallet. Requirements vary slightly by the user’s country of residence.

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How it works (the flow)

1. PATCH /kyc — User submits KYC data progressively (partial updates allowed), alongside the document uploads.
2. POST /kyc/activate — Starts identity verification. Non-Nigerian, non-Canadian users pass a sumsubLevelName (commonly "id-and-liveness").
3. Provision the USD virtual bank account — once the KYC profile is complete:
   • GET /kyc/usd-readiness → { ready, missing }; gate on ready.
   • POST /onboarding/start-usa with { "smartWalletId": "…" } → { workflowId } (idempotent).
   • Poll GET /vba/usd → { status, account, reason }; account is populated once status is active.

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Core requirements (all international USD users)

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

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

Additional requirements when activating with sumsubLevelName

Users on the Global KYC path (non-Nigeria, non-Canada) additionally need before activation:

Field
employment.employmentStatus	required
sourceOfFunds	required
Proof of address document	required — at least one uploaded file
Biometric document (selfie)	required — at least one uploaded file

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Country-specific additional requirements

USA (United States)

• SSN required in identificationNumbers:
  • type: "ssn", issuingCountryCode: "USA"

GBR (United Kingdom)

• NINO required in identificationNumbers:
  • type: "nino", issuingCountryCode: "GBR"

NGA (Nigeria) — Enhanced Due Diligence (EDD)

All core requirements, plus:

Field
employment.employmentStatus	required
employment.occupationCode	required, non-null — from GET /kyc/occupations
sourceOfFunds	required; must be consistent with employment status — cannot be "salary" if unemployed or a student
estimatedMonthlyVolume	required, in USD
accountPurpose	defaults to "personal"
actingAsIntermediary	defaults to false