> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pik.global/llms.txt
> Use this file to discover all available pages before exploring further.

# Onboarding a Customer

> How to create a connected account, complete KYC or KYB verification, and activate financial capabilities for your customer.

PIK uses a tiered verification system. The level required depends on which product and transaction amount applies. All information must be submitted in English or romanised transliteration.

## **Verification Level Required by Product**

| **Product**                                                   | **Individual** | **Business** |
| :------------------------------------------------------------ | :------------- | :----------- |
| Payment Link — crypto payment                                 | Level 3        | Level 3      |
| Wallet — crypto                                               | Level 3        | Level 3      |
| Gift card — crypto payment                                    | Level 3        | Level 3      |
| FX/Bridge — crypto to crypto exchange                         | Level 1        | Level 1      |
| FX/Bridge — fiat/crypto exchange (under USD 1,000 cumulative) | Level 2        | Level 2      |
| One-click buy — bank transfer (under USD 1,000 cumulative)    | Level 2        | Level 2      |
| FX/Bridge — fiat/crypto exchange (USD 1,000 and above)        | Level 3        | Level 3      |
| One-click buy — bank transfer (USD 1,000 and above)           | Level 3        | Level 3      |
| Wallet — fiat                                                 | Level 3        | Level 3      |
| Global Accounts / Connected Account                           | Level 3        | Level 3      |

Important notes:

* Higher levels include all lower-level data. A user who completes Level 3 does not need to redo Level 1 or Level 2.
* If a user completes a lower level first, already-provided data does not need to be re-submitted unless compliance requires an update.
* Compliance can whitelist users or require any level at any time based on risk assessment.

## **Individual KYC Requirements**

### **Level 1 — Basic Identity**

| **Field**            | **How Entered**            | **Required?** | **Verification**  |
| :------------------- | :------------------------- | :------------ | :---------------- |
| Surname              | User or admin manual entry | Required      | Format check only |
| Given name           | User or admin manual entry | Required      | Format check only |
| Country of residence | User or admin — dropdown   | Required      | Format check only |

### **Level 2 — Identity Verification**

Includes all Level 1 fields plus:

| **Field**                                              | **How Entered**            | **Required?** | **Verification**  |
| :----------------------------------------------------- | :------------------------- | :------------ | :---------------- |
| Title (Mr/Mrs/Miss)                                    | User or admin — dropdown   | Required      | Format check only |
| Date of birth                                          | User or admin manual entry | Required      | Format check only |
| ID type (Driver's licence, Passport, National ID card) | User or admin — dropdown   | Required      | Format check only |
| ID expiry date                                         | User or admin manual entry | Required      | Format check only |
| ID number                                              | User or admin manual entry | Required      | Format check only |
| Mobile number                                          | User or admin manual entry | Required      | OTP verification  |
| Residential address                                    | User or admin manual entry | Required      | Format check only |

### **Level 3 — Enhanced Due Diligence (Manual Review)**

Includes all Level 2 fields, all reviewed manually, plus:

| **Field**                                 | **How Entered**          | **Required?** | **Verification**  |
| :---------------------------------------- | :----------------------- | :------------ | :---------------- |
| Professional field / industry             | User or admin — dropdown | Required      | Format check only |
| Purpose of payment                        | User or admin — dropdown | Required      | Format check only |
| Expected monthly transaction amount (USD) | User or admin — dropdown | Required      | Format check only |

**Documents required — Level 3:**

| **Document**                                                                     | **Uploaded By** | **Required?** | **Verification** |
| :------------------------------------------------------------------------------- | :-------------- | :------------ | :--------------- |
| ID document — front (driver's licence, passport, national ID, or other photo ID) | User or admin   | Required      | Manual review    |
| ID document — back                                                               | User or admin   | Required      | Manual review    |

### **Level 4 — Full Enhanced Due Diligence**

Includes all Level 3 fields plus:

| **Field**                                                                    | **How Entered**            | **Required?** | **Verification** |
| :--------------------------------------------------------------------------- | :------------------------- | :------------ | :--------------- |
| Nationality                                                                  | User or admin — dropdown   | Required      | Manual review    |
| Second ID type (Medicare card, credit card, tax document, birth certificate) | User or admin — dropdown   | Required      | Manual review    |
| Second ID expiry date                                                        | User or admin manual entry | Required      | Manual review    |
| Second ID number                                                             | User or admin manual entry | Required      | Manual review    |
| Biometric verification completed?                                            | Admin only — dropdown      | Required      | Manual review    |
| PEP/Sanction/AML check completed?                                            | Admin only — dropdown      | Required      | Manual review    |

**Documents required — Level 4:**

| **Document**                                                                                                                    | **Uploaded By** | **Required?** | **Verification** |
| :------------------------------------------------------------------------------------------------------------------------------ | :-------------- | :------------ | :--------------- |
| ID document — front                                                                                                             | User or admin   | Required      | Manual review    |
| ID document — back                                                                                                              | User or admin   | Required      | Manual review    |
| Proof of address (bank statement, utility bill, rental agreement, phone bill, or tax document — within 3 months)                | User or admin   | Required      | Manual review    |
| Second ID document (Medicare, credit card, tax document, or birth certificate — not driver's licence, passport, or national ID) | User or admin   | Required      | Manual review    |
| Selfie holding ID document                                                                                                      | User or admin   | Required      | Manual review    |
| Biometric verification evidence (if selfie is not acceptable)                                                                   | Admin only      | Optional      | Manual review    |
| Source of funds — Bank Statement                                                                                                | Admin only      | Optional      | Manual review    |
| Residential visa                                                                                                                | Admin only      | Optional      | Manual review    |
| PEP/Sanction/AML check evidence                                                                                                 | Admin only      | Optional      | Manual review    |

## **Business KYB Requirements**

### **Business Level 1**

| **Field**                           | **How Entered** | **Required?** | **Verification**  |
| :---------------------------------- | :-------------- | :------------ | :---------------- |
| Company name (English only)         | User or admin   | Required      | Format check only |
| Country / territory of registration | User or admin   | Required      | Format check only |

### **Business Level 2**

Requires the applicant to have completed personal Level 2 KYC. Includes all Level 1 fields plus:

| **Field**                                                                         | **How Entered**          | **Required?** | **Verification**  |
| :-------------------------------------------------------------------------------- | :----------------------- | :------------ | :---------------- |
| Applicant's relationship to company (director, shareholder, or agent)             | User or admin — dropdown | Required      | Format check only |
| Company type (Sole Trader, Company, Association, Partnership, Corporation, Trust) | User or admin — dropdown | Required      | Format check only |
| Company registration number                                                       | User or admin            | Required      | Format check only |
| Company registration effective date                                               | User or admin            | Required      | Format check only |
| Registered business address                                                       | User or admin            | Required      | Format check only |
| Industry                                                                          | User or admin — dropdown | Required      | Format check only |

**Documents required — Business Level 2:**

| **Document**                                                                                        | **Required?** | **Verification**  |
| :-------------------------------------------------------------------------------------------------- | :------------ | :---------------- |
| Company registration certificate (including director, shareholder, and general company information) | Required      | Format check only |

### **Business Level 3 — Enhanced Due Diligence (Manual Review)**

Requires the applicant's personal Level 3 KYC for at least one director. Includes all Level 2 fields, all reviewed manually, plus:

| **Field**                                                                                    | **How Entered**          | **Required?** | **Verification**  |
| :------------------------------------------------------------------------------------------- | :----------------------- | :------------ | :---------------- |
| Source of company funds (shareholder investment, loan, operating revenue, investment income) | User or admin — dropdown | Required      | Manual review     |
| Company registration document expiry date                                                    | Admin only               | Required      | Manual review     |
| Principal business address                                                                   | User or admin            | Required      | Format check only |
| Business turnover (USD)                                                                      | User or admin — dropdown | Required      | Format check only |

**Documents required — Business Level 3:**

| **Document**                                                                               | **Required?** | **Verification**  |
| :----------------------------------------------------------------------------------------- | :------------ | :---------------- |
| Company registration certificate                                                           | Required      | Manual review     |
| Bank statement (last 3 months)                                                             | Required      | Manual review     |
| Business premises evidence (website, social media, physical premises, or warehouse photos) | Required      | Format check only |

### **Business Level 4 — Full Enhanced Due Diligence**

Requires majority of directors at personal Level 2 KYC, and shareholders with 25%+ ownership at personal Level 2 KYC. Includes all Level 3 fields plus:

| **Field**                                                           | **How Entered**          | **Required?** | **Verification** |
| :------------------------------------------------------------------ | :----------------------- | :------------ | :--------------- |
| Business premises type (website, social media, physical, warehouse) | User or admin — dropdown | Required      | Manual review    |
| Website or social media profile URL                                 | User or admin            | Required      | Manual review    |
| Description of company income sources                               | Admin only — long text   | Required      | Manual review    |

**Documents required — Business Level 4:**

| **Document**                                                                                                                        | **Required?** | **Verification** |
| :---------------------------------------------------------------------------------------------------------------------------------- | :------------ | :--------------- |
| Company registration certificate                                                                                                    | Required      | Manual review    |
| Bank statement (last 3 months)                                                                                                      | Required      | Manual review    |
| Business premises evidence                                                                                                          | Required      | Manual review    |
| Proof of business address within 3 months — utility, gas, phone, or water bill (not bank statement)                                 | Required      | Manual review    |
| Source of income evidence (bank statements, sales invoices, logistics documents, financial statements, accountant letter, or other) | Required      | Manual review    |

## **Which Level Does Each PIK Product Require?**

See the product table at the top of this page. For Global Accounts and connected account onboarding, Level 3 applies for both individual and business customers.

## **The Onboarding Flow**

```mermaid placement="bottom-right" theme={null}
flowchart LR
    A["<b>Step 1</b><br/>Create connected account"] --> B["<b>Step 2</b><br/>Submit identity info<br/>Level 1 fields"]
    B --> C["<b>Step 3</b><br/>Complete higher-level<br/>fields & documents"]
    C --> D["<b>Step 4</b><br/>Liveness check<br/>Level 3+"]
    D --> E["<b>Step 5</b><br/>Manual review<br/>Level 3+"]
    E --> F["<b>Step 6</b><br/>Approved status<br/>Activate capabilities"]
    F --> G["<b>Step 7</b><br/>Issue Virtual<br/>Account Number"]
    
    classDef stepBox font-size:16px,padding:20px
    class A,B,C,D,E,F,G stepBox
```

## **Step 1 — Create the Connected Account**

POST /api/v1/accounts

Required: customer\_type (individual or business), email, country, reference\_id. Returns a connected\_account\_id — store this as the x-on-behalf-of value.

## **Step 2 — Document Upload**

POST /api/v1/accounts/connected-account-id`connected`: inline export/kyc/documents Accepted formats: JPEG, PNG, PDF. Maximum size: 10MB per document.

## **Step 3 — Liveness Check (Level 3+ individuals)**

POST /api/v1/accounts/connected-account-id`connected`: inline export/kyc/liveness Returns a liveness\_url. Redirect the customer to this URL. PIK hosts the verification page — no UI build required on the platform side.

## **Verification Status**

| **Status**           | **Meaning**                                              | **Typical Timeframe**                               |
| :------------------- | :------------------------------------------------------- | :-------------------------------------------------- |
| pending              | Submission received, not yet in review                   | —                                                   |
| in\_review           | PIK compliance team is reviewing                         | 1–2 business days (individual), 2–5 days (business) |
| approved             | Verified — ready to activate capabilities                | —                                                   |
| rejected             | Verification failed — check rejection\_reason            | —                                                   |
| more\_info\_required | Additional documents needed — check required\_info field | —                                                   |

If more\_info\_required, check the required\_info field and submit the requested items, then call: POST /api/v1/accounts/connected-account-id`connected`: inline export/resubmit

## **Step 4 — Activate Capabilities**

POST /api/v1/accounts/connected-account-id`connected`: inline export/capabilities

| **Capability**    | **What It Enables**                                       |
| :---------------- | :-------------------------------------------------------- |
| inbound\_payments | Receive AUD via VAN and stablecoins via wallet address    |
| fx\_conversion    | Convert between currencies including on-ramp and off-ramp |
| outbound\_payouts | Send funds to external bank accounts or wallets           |