# 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                        |


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