KYC Verification

Know Your Customer (KYC) verification is required for users to access full wallet functionality. The app implements a multi-step verification process with document capture and biometric validation.

Verification Levels

Level	Requirements	Limits
Basic	Phone verified	E50 daily
Standard	ID + Selfie	E2,000 daily
Premium	Full KYC + Address	E10,000 daily

Verification Flow

┌─────────────────────────────────────────────────────────────────┐
│                      KYC Verification Flow                       │
├─────────────────────────────────────────────────────────────────┤
│                                                                  │
│  ┌─────────────┐     ┌─────────────┐     ┌─────────────┐        │
│  │   Profile   │────▶│   ID Doc    │────▶│   Selfie    │        │
│  │    Form     │     │   Capture   │     │   Capture   │        │
│  └─────────────┘     └─────────────┘     └──────┬──────┘        │
│                                                  │               │
│                                                  ▼               │
│                      ┌─────────────┐     ┌─────────────┐        │
│                      │  Submitted  │◀────│  Liveness   │        │
│                      │   Review    │     │   Check     │        │
│                      └──────┬──────┘     └─────────────┘        │
│                             │                                    │
│              ┌──────────────┼──────────────┐                    │
│              ▼              ▼              ▼                    │
│       ┌──────────┐   ┌──────────┐   ┌──────────┐               │
│       │ Approved │   │ Pending  │   │ Rejected │               │
│       │          │   │ Review   │   │          │               │
│       └──────────┘   └──────────┘   └──────────┘               │
│                                                                  │
└─────────────────────────────────────────────────────────────────┘

Step 1: Profile Form

Users complete their personal information:

Required Fields:

• Full name (as on ID)
• Date of birth
• Gender
• Nationality
• Physical address

Optional Fields:

• Email address
• Alternative phone number

Step 2: Document Capture

Supported Documents

Document Type	Front	Back
National ID	Required	Required
Passport	Required	Not needed
Driver's License	Required	Required

Capture Requirements

Requirement	Value
Image Quality	Minimum 1200x800 pixels
File Format	JPEG, PNG
File Size	Max 5MB per image
Lighting	Well-lit, no shadows
Angle	Flat, no tilting

OCR Processing

The app uses ML Kit for automatic data extraction from documents.

Step 3: Selfie Capture

Requirements

Requirement	Description
Face Detection	Face must be detected in frame
Lighting	Even lighting on face
Expression	Neutral expression
Obstructions	No glasses, hats, or masks

Face Matching

The selfie is compared against the ID document photo using facial recognition. Match threshold is 85% similarity.

Step 4: Liveness Detection

To prevent spoofing attacks, the app performs liveness checks:

Active Liveness

User performs prompted actions:

1. Blink eyes
2. Turn head left/right
3. Smile

Passive Liveness

Background analysis during capture:

• Texture analysis (detect printed photos)
• Depth estimation (detect screens)
• Motion analysis (detect videos)

Verification Status

Status	Description	User Action
not_started	KYC not initiated	Start verification
in_progress	Documents submitted	Wait for review
pending_review	Manual review needed	Wait
approved	Verification complete	Full access
rejected	Verification failed	Resubmit

API Endpoints

Endpoint	Method	Description
/verification/status	GET	Get current status
/verification/profile	POST	Submit profile data
/verification/document	POST	Upload ID document
/verification/selfie	POST	Upload selfie
/verification/liveness	POST	Submit liveness data

Error Handling

Error	Cause	Resolution
VERIF_001	Blurry document	Retake photo
VERIF_002	Face not detected	Adjust position
VERIF_003	Liveness failed	Retry check
VERIF_004	Document expired	Use valid document
VERIF_005	Face mismatch	Contact support

Related Files

File	Purpose
lib/screens/kyc/kyc_intro_screen.dart	Intro screen
lib/screens/kyc/profile_form_screen.dart	Profile form
lib/screens/kyc/document_capture_screen.dart	Document capture
lib/screens/kyc/selfie_capture_screen.dart	Selfie capture
lib/screens/kyc/liveness_screen.dart	Liveness check
lib/screens/kyc/verification_status_screen.dart	Status screen
lib/controllers/verification_controller.dart	Controller
lib/services/verification_service.dart	Verification service
lib/services/liveness_service.dart	Liveness service