Individual KYC

Standard Onboarding (USA, EEA, UK, AUS, Low-Risk RoW)

• Full name

• Residential Address

• Date of Birth

• Nationality

• Email

• Phone

• ID Document. Accepted Documents:

  • Passport

  • National ID card

  • Driver's Licence

  • Residence Permit

  • ID must be valid, readable, government-issued, and contain a person's photograph

  • Liveness must match ID

• Liveness check/Selfie (comparison of liveness vs image on passport or DL and verification of document)

• Proof of Address under 3 months old. Required only when:

  • Customer's ID document country is different than residence country (except for EU citizens)

  • Residence Permit does not contain address information or it does not match customer's provided address information

  • Customer is residing in high risk jurisdiction

  • Customer IP address is detected to be from high risk jurisdiction

• SSN. Required only for US citizens/residents

High Risk Jurisdictions Onboarding

All of the Standard Onboarding requirements plus:

• Approximate net worth

• Industry

• Source of Wealth proof (bank statements, salary payslips, sale proceeds, loan agreements or other proof of income)

• Proof of Address

Limits Increase with Source of Funds

The standard limit for individuals without providing additional documentation is 15,000 EUR per year. The limit can be increased if additional due diligence steps are completed (compliance questionnaire and Source of Funds proof).

Every document must include: Customer Name, Current Address (matching onboarding), Issue Date, and Financial Value.

Source of Funds	Accepted Documents	Validity
Salary	Bank statement (2 payments) or payslip	< 3 months old
Savings	Bank statement from the holding institution	< 3 months old
Inheritance	Signed letter from a licensed solicitor or estate trustee	No expiry
Crypto	Wallet/Account screenshot (with name/address); add bank statement for DEX users	< 3 months old
Investments	Copy of investment portfolio statement	< 3 months old
Company Profits	Dividend distribution certificate	< 12 months old
Sole Trader	Bank statement (2 payments) or latest tax return	3 months for bank / 12 months for tax
Pension	Pension statement or bank statement (2 payments)	< 12 months old
Rental Income	Signed Rental Agreement	Must be valid for 3+ months
Property Sale	Copy of the signed sale contract	No expiry
Company Sale	Sale contract + screenshot of Registry (showing change of ownership)	No expiry
Benefits	Government document + bank statement (2 deposits)	< 3 months old