Identity Verification

In Braid’s ecosystem, once a Business or Individual customer entity has been created, the next step is to provide Identity Verification, KYC for individuals and KYB for businesses. This process ensures that the customer meets the bank’s compliance requirements before any accounts can be opened or transactions initiated.

Under the Trust_verify model, the bank will expect Fintech to conduct KYC/KYB (using 3rd parties) and provide the detailed results using this API.

API Details

API for verifying a Customer(Business and Individual)

Required fields and behavior

• customerId is required. Use the customer's Braid ID; for per-owner submissions, use the individual owner's ID.
• verificationResult must be either SUCCESS or FAIL.
• In each docs entry, content must be a single base64-encoded string, not an array. Include the file extension (PDF, JPG, or PNG), and make sure the content is a valid file, or it may not persist even if the request succeeds.
• Submissions are one-shot: once a determination exists for a customer, a developer-initiated result cannot be overwritten or re-submitted.
• Submit business and individual document types in separate calls; do not mix business documents and individual owner documents in the same request.