KYC in sandbox

In sandbox, Ripio can configure how identity verification works for your account depending on what you need to validate during integration.

Sandbox mode	What happens	Use it when
Skip KYC	KYC is completed automatically, so the customer can continue through the ramp flow without completing identity verification.	You want to validate the ramp flow without adding identity-verification steps.
Simulate KYC decisions	KYC is enabled, and you can simulate whether the verification is approved or rejected.	You want to validate how your integration handles KYC approval, rejection, status checks, and webhooks.

Ask your Ripio contact which sandbox mode should be enabled for your account.

Skip KYC in sandbox

If your sandbox account is configured to skip KYC, the customer can continue through the ramp flow without completing the identity verification step. Use this mode when you want to validate the operational flow:

Create the customer.
Accept Terms & Conditions.
Create the quote, order, or session.
Simulate the fiat deposit if you are validating an on-ramp flow.

You do not need to call the KYC simulation endpoints in this mode.

Simulate KYC approval or rejection

If your sandbox account is configured with KYC enabled, run the normal KYC flow first. Once you have a submissionId, use the sandbox simulation endpoints to approve or reject it.

Start KYC

Start KYC using your configured model: Ripio-hosted KYC or partner-submitted KYC.

Save the submission ID

Use the submissionId returned by the KYC creation response, or retrieve it with Retrieve Latest KYC Submission.

Approve or reject the KYC

Call one of the sandbox-only endpoints below.

Confirm the result

Check the KYC status again, or listen for KYC Events.

A successful simulation request returns 200 OK with no response body. The final KYC status may not be available immediately, so use polling or webhooks to confirm the result.

Simulate approval

curl --request POST \
  --url https://skala-sandbox.ripio.com/api/v1/simulateKycValidation/{submissionId}/approve/ \
  --header 'Authorization: Bearer <token>'

Use this when you want the customer to become eligible to continue the ramp flow.

Simulate rejection

curl --request POST \
  --url https://skala-sandbox.ripio.com/api/v1/simulateKycValidation/{submissionId}/disapprove/ \
  --header 'Authorization: Bearer <token>'

Use this when you want to validate rejected-verification handling.

Common errors

Code	What it means
`20084`	Your sandbox account is configured to skip KYC, so there is no KYC review to approve or reject. Ask Ripio to enable KYC decision simulation for your sandbox account.
`20085`	This KYC submission was already approved or rejected.
`20086`	This KYC submission is not ready to be approved or rejected yet. Start the KYC flow first and retry after the submission is created.
`20087`	The approval simulation could not be completed. Retry or contact Ripio support.
`20088`	The rejection simulation could not be completed. Retry or contact Ripio support.

Overview

Widget integration

API Integration

Skip KYC in sandbox

Simulate KYC approval or rejection

Simulate approval

Simulate rejection

Common errors

​Skip KYC in sandbox

​Simulate KYC approval or rejection

​Simulate approval

​Simulate rejection

​Common errors

Skip KYC in sandbox

Simulate KYC approval or rejection

Simulate approval

Simulate rejection

Common errors