Customer Evaluation Lifecycle

A visual representation of the customer evaluation process for the Public API. Steps are ordered sequentially.

1. Trigger an Evaluation

There are two methods to trigger an evaluation:

Customer Onboarding

This implicitly includes a KYC evaluation.

Manually Triggered

Available after customer onboarding, on demand.

2. Choose the Evaluation Type

KYC (Required)

Includes identity verification and watchlist verification.

ExpressKYC (Optional)

Same analysis as KYC, but different process. Best effort result.

Fraud (Optional)

Customer risk score based on provided and existing information.

3. Understand Validation Characteristics

The validation result has three characteristics, correlated with the chosen evaluation type:

KYC Outcome

Available in all evaluations. Result of identity check + watchlist check.

ExpressKYC Outcome

Available if included. Result of identity check only. Best effort: `success: false` if not fast.

Fraud Score

Executed if selected. Returns 0 if not requested.

Status

Determined in three ways:

  • Manually: You manually approve/reject.
  • KYC outcome: Always "review" if no fraud score.
  • Fraud score: Can set to "approved", "rejected", or "review".

End goal: Handle customer access. "Approved" allows access, "Rejected" denies, "Review" requires manual decision.

4. Understand the Validation Result

Depends on evaluation type and result, including webhook responses.

A. Customer Onboarding Method

I. You choose KYC only.

Request Stage:

  • KYC outcome: pending
  • Fraud score: 0
  • Status: pending
  • ExpressKYC outcome: n/a

Webhooks Stage:

  • KYC outcome: passed or review
  • Fraud score: 0
  • Status: review
  • ExpressKYC outcome: n/a

II. You include ExpressKYC in onboarding options, but not fraud score.

Request Stage:

  • KYC outcome: passed, review, pending
  • Fraud score: 0
  • Status: pending
  • ExpressKYC outcome: passed, review (can be missing if not fast, then `success: false`)

Webhooks Stage:

  • KYC outcome: passed or review
  • Fraud score: 0
  • Status: review
  • ExpressKYC outcome: n/a

III. You include both ExpressKYC and fraud score in onboarding options.

Request Stage:

  • KYC outcome: passed, review, pending
  • Fraud score: 0
  • Status: pending
  • ExpressKYC: passed, review (can be missing if not fast, then `success: false`)

Webhooks Stage:

  • KYC outcome: passed or review
  • Fraud score: 0.82 (example)
  • Status: approved, rejected, or review (consolidated by KYC + fraud score)
  • ExpressKYC: n/a

IV. You include only the fraud score in onboarding options.

Request Stage:

  • KYC outcome: pending
  • Fraud score: 0
  • Status: pending
  • ExpressKYC: n/a

Webhooks Stage:

  • KYC outcome: passed or review
  • Fraud score: 0.82 (example)
  • Status: approved, rejected, or review (consolidated by KYC + fraud score)
  • ExpressKYC: n/a

B. Manually Triggered Evaluation Method

  • KYC outcome: passed or review (previously obtained)
  • Fraud score: 0.92 (new score)
  • Status: approved, rejected, or review (previously obtained)
  • ExpressKYC: n/a