API Documentation

Classic KYC

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Basic order of operations

/check_handle

To ensure the user_handle you're wanting to assign is unique.

/register

Creates a new individual or business entity in the Sila ecosystem with associated PII. Does NOT begin KYC verification. Creates a Sila wallet for the user_handle.

NOTE: Prior to beginning KYC verification in the next step with /request_kyc, end users can update their information with /update.

/request_kyc

Kicks off KYC verification for a specific user_handle.

/check_kyc

Returns verification status of a specific user_handle.

Do not poll this endpoint. Instead, we recommend utilizing the KYC Status Update Event webhook.

/documents

Upload end user documentation to this endpoint if necessary to verify their identity.

Use the Triaging KYC Failures doc to determine what documents are needed based on the tags returned. Do NOT reveal the tags to end users, only what document to provide.

Classic KYC specific endpoints:

/request_kyc

/check_kyc

KYC/KYB Levels

KYC

For individual entities, please use the below for the kyc_level value:

  • KYC-STANDARD - this level contains full KYC and allows documents to be used to verify information that could not be verified automatically.

❗️

DOC_KYC and DEFAULT - Discontinued on 11/20/2023

To keep Sila's KYC program as efficient and effective Sila is moving to a single KYC flow, KYC-STANDARD.

Calls using the discontinued levels after 11/20/23 will instead utilize the new KYC level. If you experience any problems with the new flow please reach out.

KYB

Unlike with KYC, with KYB the kyc_level does not need to be specified explicitly by your API request. Instead, KYB levels are applied to the business entity based on the business type.

  • KYB-STANDARD - Depending on the business type, various individuals holding key roles within the business (i.e., Controlling Officer, Beneficial Owner) are required to pass individual KYC. This must be certified by an Administrator of the business. See details here - https://docs.silamoney.com/docs/kyb-know-your-business

Number of KYC attempts allowed

End users get two total attempts to pass KYC or KYB, regardless if Advanced KYC or Classic is used.

Updated 2 months ago