How it works
Every customer must go through KYC before operating. The recommended starting point is always to check whether the customer already has an approved KYC with Ripio — if they do, the process is much faster.Step 1 — Check if the customer already has KYC with Ripio
Call Check KYC Status & Send OTP with the customer’s email.- If they do → an OTP is sent to their email. Continue with the OTP reuse flow.
- If they don’t → proceed with the full KYC submission flow.
KYC reuse via OTP
The customer already has an approved KYC with Ripio. No document upload required.Validate OTP
Call Validate OTP with the code the customer received. On success, the KYC is approved for this customer in your platform.
Full KYC submission
The customer has no prior KYC with Ripio.Get KYC requirements
Call Retrieve KYC Requirements to get the fields required for your account’s country.
Submit KYC data
Call Submit KYC Information with the customer’s data. The response includes a
providerUrl — redirect the user there to complete document upload and liveness check.Check submission status
Call Retrieve KYC Submission to poll the result. Once
status is COMPLETED, the customer is verified and can operate.