Identities overview

Identities represent the customers who use the financial services you offer within your application. A corporate identity represents a business entity, while a consumer identity represents an individual person.

Corporates

Onboard business entities and verify them with KYB, including UBO and director checks.

Onboard a corporate→

Consumers

Onboard individuals and verify them with KYC, including identity and address checks.

Onboard a consumer→

Due diligence

You need to onboard your customers onto Weavr before they can use any financial services.

You can embed an identity verification process. For consumer identities, it is called Know Your Customer (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.) and for corporate identities–Know Your Business (KYBKYB Know Your Business - the identity verification process for corporate identities. This process allows you to seamlessly and securely verify your business customer's identity. Weavr will ask users to submit the necessary information and documentation so that they can get approved by financial providers.). This process lets you seamlessly and securely verify your user’s identity and all you need on your end is just a few lines of code. We ask your users to submit the necessary information and documentation so that they can get approved by our financial providers.

Supported countries

We support onboarding corporatesCorporates Business entities that can be onboarded as identities on Weavr. Corporate identities represent companies and require Know Your Business (KYB) verification. They can have multiple authorised users and issue cards to card assignees. and consumersConsumers Individual persons who can be onboarded as identities on Weavr. Consumer identities represent individual customers and require Know Your Customer (KYC) verification. For consumers, the card owner and card assignee are typically the same person. residing in the following countries:

Austria	Belgium	Bulgaria	Croatia
Cyprus	Czech Republic	Denmark	Estonia
Finland	France	Germany	Greece
Hungary	Iceland	Ireland	Italy
Latvia	Liechtenstein	Lithuania	Luxembourg
Malta	Netherlands	Norway	Poland
Portugal	Romania	Slovakia	Slovenia
Spain	Sweden	United Kingdom

Users

An identity is operated by one or more users. Every user can authenticate against the Weavr API and SDKs and act on the identity's behalf, subject to the roles assigned to them.

The first user is special. Every identity is created together with a root userRoot user The individual who creates the identity. For corporate identities, the root user needs to be a legal representative of the corporate such as a director or a representative who has the power of attorney over the company. For consumer identities, the root user is the owner of the identity. Every identity must always have one root user.: the individual who registered the identity, and who Weavr holds accountable for it. The root userRoot user The individual who creates the identity. For corporate identities, the root user needs to be a legal representative of the corporate such as a director or a representative who has the power of attorney over the company. For consumer identities, the root user is the owner of the identity. Every identity must always have one root user.:

• For a corporate identity, must be a legal representative of the company - a director or someone with power of attorney.
• For a consumer identity, is the consumer themselves.
• Is always assigned the Admin role, and this role can't be removed.

You can optionally invite additional users to an identity at any time. These are typically referred to as authorized usersAuthorized User An individual that has been invited by the root user to manage an identity's instruments and transactions. They are not the legal owner of the identity but can be granted access to perform operations on behalf of the identity. For corporates, card assignees are created as Authorized Users. US-English variant of _Authorised User_. - the same kind of user as the root userRoot user The individual who creates the identity. For corporate identities, the root user needs to be a legal representative of the corporate such as a director or a representative who has the power of attorney over the company. For consumer identities, the root user is the owner of the identity. Every identity must always have one root user., just invited later and not bound to the Admin role. See Invite additional users for the flow.

Roles

We provide a set of pre-configured roles that can be assigned to authorized usersAuthorized User An individual that has been invited by the root user to manage an identity's instruments and transactions. They are not the legal owner of the identity but can be granted access to perform operations on behalf of the identity. For corporates, card assignees are created as Authorized Users. US-English variant of _Authorised User_. to control their level of access. The available roles are:

• Card AssigneeCard Assignee The person that a card is assigned to and who will use the card. For consumers, the card owner and card assignee are the same person. For corporates, the card assignee and card owner are different entities - the corporate is the card owner and the person using the card is the card assignee. Card assignees must be created as Authorised Users. -- for users who need to access and spend on their own assigned card only.
• Cards Management Role -- for users responsible for managing a card program.
• Funds Management Role -- for users who need to manage fund inflows or outflows.
• Access Management Role -- for users responsible for creating and managing other users.
• Admin -- full access to all operations, combining all of the preceding roles.

Multiple roles can be assigned to a single user, and the root userRoot user The individual who creates the identity. For corporate identities, the root user needs to be a legal representative of the corporate such as a director or a representative who has the power of attorney over the company. For consumer identities, the root user is the owner of the identity. Every identity must always have one root user. always has the Admin role. Read the user roles page for detailed permissions per role.

tip

Role-based access control is an optional feature. If you prefer to manage access restrictions within your own system, users can be granted full access via the Admin role.