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Consumer KYC quick guide

KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. (Know Your Customer) is the regulated process of verifying the identity of a consumer before they can use any financial service. As an EMI (Electronic Money Institution) operating under European AML/CTF rules, we are required to run KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. on every consumer that holds funds, transacts, or is issued a card on our platform.

This page summarizes what KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. means for you what we handle on your behalf, and what you need to plan for.

Why KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. is required​

Consumer KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. is driven by the rules that govern us as a regulated payments provider, not by us as a vendor. The relevant frameworks include:

  • 5AMLD / 6AMLD — the EU's Anti-Money Laundering Directives, which require identity verification, source-of-funds checks, and ongoing monitoring.
  • PSD2 / SCASCA Strong Customer Authentication - a two-factor authentication solution required by PSD2 regulations for when end-users are accessing their payment account sensitive information or initiating transactions. SCA requires at least two of the following: something you know (password), something you have (device), or something you are (biometrics). — Strong Customer Authentication, which requires the consumer's identity to be linked to verified contact details before sensitive operations.
  • National regulators — for example, the MFSA in Malta and the FCA in the UK, which oversee how we apply these rules in practice.

Failing to complete KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. means the consumer cannot be issued cards or accounts, cannot transact, and any onboarded record stays in a restricted state.

What we handle for you​

We run the consumer KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. process end-to-end through our web KYC component, backed by an integrated identity-verification provider. We:

  • Collect and validate the consumer's identity document, liveness selfie, and proof of address.
  • Apply sanctions, PEP, and adverse-media screening.
  • Apply ongoing monitoring once the consumer is approved.
  • Surface the result through the API and webhooks so your app can react to status changes.

You don't need to be a regulated entity to use our platform — we hold the license and the regulatory responsibility for KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. sits with us.

What you must do​

Even though we run the verification, you are responsible for integrating it correctly:

  • Embed the KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. component. KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. is initiated through our web KYC SDK. The flow isn't available in our mobile SDKs — if you ship a mobile app, you embed the KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. component in a webview or browser handoff.
  • Verify email first. KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. can only start after the consumer's email is verified. See step 3 of Onboard a consumer.
  • Listen for status updates. Subscribe to the consumer KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. webhook so your app reacts when verification completes, fails, or needs more information.
  • Don't release financial services early. A consumer in any state other than APPROVED must not be allowed to spend, transfer, or receive funds. The API enforces this — your UI should match.

What gets collected​

The standard due-diligence flow captures:

  • A government-issued identity document (ID card, passport, or residence permit).
  • A liveness check (selfie matched to the document).
  • Proof of address — a bank statement, utility bill, tax document, or similar dated within the last 3 months.

For the full list of accepted proof-of-address documents, see Consumer due diligence and KYC.

Step-up KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers.​

Some operations — for example, raising a transaction limit or enabling certain card features — trigger a step-up KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. requirement. Our API returns an IDENTITY_KYC_LEVEL_STEPUP_REQUIRED error in those cases. Re-initiate the KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. component to capture the additional information; the consumer doesn't need to redo everything from scratch.

Where to go next​

  • Onboard a consumer — the full implementation walkthrough, including KYCKYC Know Your Customer - the identity verification process for consumer identities. This process allows you to seamlessly and securely verify your user's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers. initiation.
  • Consumer due diligence and KYC — the API and document reference.
  • Web KYC SDK — how to embed the verification component in your app.

If you need help understanding which checks apply to your programmeProgramme A programme represents your application within Weavr. Everything you create — Identities, Instruments, Transactions — sits beneath a Programme. When you register as an Embedder, you receive a Programme in the Sandbox and, once approved, one in Production., contact our support team.