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All customers must complete identity verification before transacting. The required data depends on the beneficiary type (individual or business).

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Standard KYC/B

IndividualBusiness
First NameCountry
Last NameCompany Name
Tax IDTax ID
Date of BirthIncorporation Date
EmailEmail
CountryPhone
StateState
CityCity
StreetStreet
PostcodePostcode
PhoneWebsite
Identity DocumentCompany Formation Documents¹
LivenessDocuments from Representative + UBOs + shareholders with more than 25%
Transactional information²Transactional information²
Financial documents*Regulated activity information³
—Financial documents*
*When applicable. ¹ Company Formation Documents: In Brazil, we typically request: Articles of Incorporation/Bylaws, ownership chart, and (if applicable) minutes appointing/electing directors and the Share Register Book. In other jurisdictions, we typically request: Articles of Association (or equivalent), Register of Members, and Register of Directors (or equivalents). ² Transactional Information: Information will be requested regarding the source of funds, the expected transaction volume, as well as the countries and counterparties involved in the transactions. ³ Regulated Activity Information: Information will be requested regarding any regulated activities carried out by the company. When applicable, the corresponding license for such activity will also be requested.

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Enhanced KYC/B

Enhanced verification is required when a customer requests higher transaction limits beyond the standard thresholds. This process is conducted directly with the Compliance team and involves a thorough review of additional documentation. For details on how to request higher limits and required documentation, see Requesting higher limits.

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Review timeline

The time it takes to review and approve a customer’s KYC/B submission varies depending on the verification type:
Verification TypeReview Timeline
KYC Standard1 business day
KYB Standard2 business days
KYC Enhanced3 business days
KYB Enhanced3 business days

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Statuses

  • NOT_STARTED — verification has not begun; customer was created but no data submitted yet.
  • UNDER_VERIFICATION — documents submitted; review in progress.
  • APPROVED — verification complete; customer can transact.
  • TEMPORARY_REJECTION — submitted information is invalid or inconsistent (e.g., incorrect tax ID, unrecognized documents); customer can resubmit corrected documents.
  • FINAL_REJECTION — verification permanently denied; customer cannot transact.

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Status progression

Successful verification flow:NOT_STARTED → UNDER_VERIFICATION → APPROVED