# KYC Review

KYC Review API provides endpoints to view, update and submit information related to KYC flow.
Partners redirect their customers in order to go through KYC requirements collection in a
dynamic manner with minimal configurable styling if Hosted KYC is the preferred solution to provide KYC requirements.

Alternatively [KYC Requirement Submit](/api-reference/kyc-review#kyc-submit) endpoint can be used
for the KYC requirements that are allowed to be submitted. For the requirements that can't be submitted through
this endpoint, partner should redirect their customer to Hosted KYC flow.

Please refer to our [Hosted KYC guide](/guides/product/kyc/wise-kyc/hosted-kyc) for more information on the general use of the endpoints included below.

Operations 

## The KYC Review resource 

Fields
id
Unique identifier for a KYC Review resource, generated by Wise.

status
Aggregated state of the underlying requirement set. Any of the states below could move into any other state. Can be one of `"NEW"`, `"PASSED"`, `"PASSED_WITH_REQUIREMENTS"`, `"WAITING_CUSTOMER_INPUT"` or `"PROCESSING"`.

link
Contains the URL and expiry of said URL the end customer needs to be directed to in order to go through Hosted KYC flow. `link` is returned only when `status` is `WAITING_CUSTOMER_INPUT` and [Update redirect url](/api-reference/kyc-review#update-redirect-url) is called.

link.value
The URL that the end customer needs to be directed to in order to go through the Hosted KYC flow.

link.expiresAt
Timestamp to when the [One Time Token](/api-reference/one-time-token) in the link will expire after which a new link needs to be generated.

createdAt
Timestamp marking the creation of the KYC Review.

updatedAt
Timestamp marking the last update of the KYC Review.

requiredBy
Timestamp by which the underlying requirement set needs to be verified to not block the customer. Only relevant if the status is `"PASSED_WITH_REQUIREMENTS"`.

triggerReferences
List containing `TriggerReference` objects

TriggerReference
An object refers to the action/process this KYC Review pertains to.

triggerReference.type
Type of the underlying action/process this KYC Review is for. Usually a reference to which product this KYC Review pertains to (like `"QUOTE"` or `"TRANSFER"`) or a reference to a KYC process on the profile that isn’t related to a specific product (like `"REFRESH_CYCLE"` or `"REPAPERING"`).
The supported types are `"QUOTE"`, `"TRANSFER"`, `"PROACTIVE_SEND_MONEY"`, `"CARD"` and `"BANK_ACCOUNT_DETAILS"`

triggerReference.triggerData
Key-value Object containing metadata of the underlying product object that triggered the KYC Review.
For `"QUOTE"` and `"TRANSFER"` types, triggerData contains an`"id"` field that refers to their respective IDs.
For `"BANK_ACCOUNT_DETAILS"`, triggerData has a field called `"currencies"` which contains a list of currencies (i.e USD, SGD, EUR) that
the bank details have been created for.
Table below shows the fields and their data type for each triggerReference type:

| triggerReference.type | field | type |
|  --- | --- | --- |
| QUOTE | id | uuid |
| TRANSFER | id | long |
| BANK_ACCOUNT_DETAILS | currencies | list of string |


redirectUrl
URL where the user will be redirected at the end of the flow. Can contain query params and path fragments. It has to be a valid URL as per [RFC2396](https://www.ietf.org/rfc/rfc2396.txt). Provided by the caller in the [Update redirect url](/api-reference/kyc-review#update-redirect-url) call.

requirements
Nested list of `KYC Requirement` objects.
It will be in `[List<KycRequirement>, List<KycRequirement>]` format with each `List<KYCRequirement>`
represents a combination of possible KycRequirements to be provided. To fulfil the whole KYC Review, at
least one item from each `List<KYCRequirement>` should be provided.

For an example if the requirements are `[ [a, b], [c, d] ]` then it should be read as `(a or b) and (c or d)`
to be provided.
This field is only included in the response above v2 of KYC Review endpoints.

KYC Requirement
The list of requirements of the KYC Review.

requirements[x][y].key
The name of the KYC requirement. A single KYC Requirement should appear in requirements list at most once.

requirements[x][y].status
The status of the KYCRequirement. There are 2 statuses of a requirement `"NOT_PROVIDED"` or `"IN_REVIEW"`.
If the status is `"NOT_PROVIDED"` the information is pending some information to be provided. Either the Hosted KYC flow or [KYC Requirement Submit endpoint](/api-reference/kyc-review#kyc-submit) should be
used to fulfill the requirement. If the status is `"IN_REVIEW"` the required information are retrieved and the KYC requirement is being reviewed, no action is needed.

requirements[x][y].apiCollectionSupported
A boolean field that indicates if the requirement can be provided via [KYC Requirement Submit endpoint](/api-reference/kyc-review#kyc-submit).
If this field is false the requirement should be provided via Hosted KYC flow.

requirements[x][y].versions[z]
Version presents the version number and validity of a requirement:


```json
  {"version" : "v1", "validUntil" : "2026-03-30" }
```

| field | type | description | format |
|  --- | --- | --- | --- |
| version | string | Presents the version | "v[1-9]\d*" |
| validUntil | Date | if present it indicates expiry date of a version | Date ISO-8601 |


TriggerReference Object example

```json
{
  "type": "QUOTE",
  "triggerData": {
    "id": "ba83s43a-f623-46f0-956d-196c13e2ab01"
  }
}
```

Standard KYC Review Object

```json
{
  "id": "46e1a5c4-4a9b-4563-39d3-18174d3ac0f8",
  "createdAt": "2024-09-03T16:22:02.257725",
  "updatedAt": "2024-09-03T16:29:41.147522",
  "requiredBy": "2024-09-03T16:22:02.257725",
  "status": "WAITING_CUSTOMER_INPUT",
  "link": {
    "value": "https://wise-sandbox.com/embedded-flows/verification?token=d7332edb-25bf-41af-a4e9-09f5efe39ded&checkId=3120073",
    "expiresAt": "2024-09-03T16:29:41.203225146"
  },
  "triggerReferences": [
    {
      "type": "QUOTE",
      "triggerData": {
        "id": "ba83s43a-f623-46f0-956d-196c13e2ab01"
      }
    },
    {
      "type": "TRANSFER",
      "triggerData": {
        "id": "471147"
      }
    }],   
  "redirectUrl": "https://example.com",
  "requirements": [
    [
      {
        "key": "ID_DOCUMENT",
        "status": "NOT_PROVIDED",
        "apiCollectionSupported": false,
        "versions" :[
          { "version": "v1" }          
        ]
      }
    ],
    [
      {
        "key": "BUSINESS_MONTHLY_VOLUME",
        "status": "NOT_PROVIDED",
        "apiCollectionSupported": false,
        "versions" :[
          { "version": "v2" },
          { "version": "v1", "validUntil": "2026-06-30" }
        ]
      }
    ],
    [
      {
        "key": "BUSINESS_REGISTRATION_DOCS",
        "status": "IN_REVIEW",
        "apiCollectionSupported": false,
        "versions" :[
          { "version": "v1" }          
        ]
      }
    ]
  ]
}
```

## Create KYC Review 

**`POST /v1/profiles/{profileId}/kyc-reviews`**

Creates a KYC Review for a specific customer action

Request Fields
type
Type of the underlying action/process this KYC Review is for. Usually a reference to which product
this KYC Review is for (like `"QUOTE"` or `"TRANSFER"`) or a reference to a KYC process on the
profile that isn’t related to a specific product (like `"REFRESH_CYCLE"` or `"REPAPERING"`).

Supported types:


- `QUOTE`
- `PROACTIVE_SEND_MONEY`


triggerData
Object containing data of the underlying product object that triggered the KYC Review.

id
Field containing the ID of the underlying product object. e.g. if type is "QUOTE" then this would
be quote ID. This ID might be null when referencing an ID isn’t meaningful. As an example, there’s
only
ever one active refresh cycle per profile so referencing by ID isn’t useful.

Response
Possible HTTP status codes

202 - Accepted
KYC Review successfully created.

400 - Bad Request
Invalid request. (e.g. unsupported `type`, null `type`)

401 - Unauthorized
User is not authorized to access the resource

404 - Not Found
Underlying action with provided ID is not found. (e.g. Quote not found)

Example Request

```shell
curl \
  -L 'https://api.wise-sandbox.com/v1/profiles/{profileId}/kyc-reviews' \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer <user access token>' \
  -d '{
    "type": "QUOTE",
    "triggerData": {
      "id": "{quoteId}"
    }
  }'
```

Example Response

```json
{
  "id": "46e1a5c4-4a9b-4563-39d3-18174d3ac0f8",
  "createdAt": "2024-09-03T16:22:02.257725",
  "updatedAt": "2024-09-03T16:22:02.257725",
  "requiredBy": "2024-09-03T16:22:02.257725",
  "status": "NEW",
  "triggerReferences": [{
    "type": "QUOTE",
    "triggerData": {
      "id": "ba83s43a-f623-46f0-956d-196c13e2ab01"
    }
  }],
  "redirectUrl": null
}
```

## Get all KYC Reviews for a profile 

**`GET /v1/profiles/{profileId}/kyc-reviews`**

Retrieves list of all active KYC Reviews for a given profile.

The following parameters are optional:

- `pageNumber` - Page number. Default value is 1 if not specified
- `pageSize` - Desired number of items per page. Max 100, and default value is 100 if not specified


Response
Possible HTTP status codes

200 - OK
Return list of KYC Review objects for the profile. Returns empty list if no KYC Review exists for a profile

401 - Unauthorized
User is not authorized to access the resource

Example Request

```shell
curl \
  -L 'https://api.wise-sandbox.com/v1/profiles/{profileId}/kyc-reviews?pageNumber=10&pageSize=2' \
  -H 'Authorization: Bearer <user access token>'
```

Example Response

```json
[
  {
    "id": "46e1a5c4-4a9b-4563-39d3-18174d3ac0f8",
    "createdAt": "2024-09-03T16:22:02.257725",
    "updatedAt": "2024-09-03T16:24:21.065068",
    "requiredBy": "2024-09-03T16:22:02.257725",
    "status": "WAITING_CUSTOMER_INPUT",
    "triggerReferences": [
    {
      "type": "QUOTE",
      "triggerData": {
        "id": "ba83s43a-f623-46f0-956d-196c13e2ab01"
      }
    },
    {
      "type": "TRANSFER",
      "triggerData": {
        "id": "471147"
      }
    }],
    "redirectUrl": null,
    "requirements": [
      [
        {
          "key": "BUSINESS_USE_CASE",
          "status": "NOT_PROVIDED",
          "apiCollectionSupported": true,
          "versions": [
            {
               "version": "V1", "validUntil": "2026-03-30"
            },
            {
               "version": "V2"
            }
          ]
        }
      ],
      [
        {
          "key": "BUSINESS_MONTHLY_VOLUME",
          "status": "NOT_PROVIDED",
          "apiCollectionSupported": false,
          "versions": [
            {
               "version": "V1"
            }
          ]
        }
      ]
     ] 
  }
]
```

## Get KYC Review by ID 

**`GET /v1/profiles/{profileId}/kyc-reviews/{kycReviewId}`**

Retrieves a single KYC Review by ID for a profile

Response
Possible HTTP status codes

200 - OK
Returns KYC Review object

404 - Not Found
KYC Review not found

401 - Unauthorized
User is not authorized to access the resource

Example Request

```shell
curl \
  -L 'https://api.wise-sandbox.com/v1/profiles/{profileId}/kyc-reviews/{kycReviewId}' \
  -H 'Authorization: Bearer <user access token>'
```

Example Response

```json
[
  {
    "id": "46e1a5c4-4a9b-4563-39d3-18174d3ac0f8",
    "createdAt": "2024-09-03T16:22:02.257725",
    "updatedAt": "2024-09-03T16:24:21.065068",
    "requiredBy": "2024-09-03T16:22:02.257725",
    "status": "WAITING_CUSTOMER_INPUT",
    "triggerReferences": [
    {
      "type": "QUOTE",
      "triggerData": {
        "id": "ba83s43a-f623-46f0-956d-196c13e2ab01"
      }
    },
    {
      "type": "TRANSFER",
      "triggerData": {
        "id": "471147"
      }
    }],
    "redirectUrl": null,
    "requirements": [
        [
            {
                "key": "BUSINESS_USE_CASES",
                "state": "NOT_PROVIDED",
                "apiCollectionSupported": true,
                "versions": [
                    {
                        "version": "V1"
                    }
                ]
            }
        ],
        [
            {
                "key": "ID_DOCUMENT",
                "state": "IN_REVIEW",
                "apiCollectionSupported": true,
                "versions": [
                    {
                        "version": "V1"
                    }
                ]
            }
        ]
      ]
  }
]
```

**`GET /v2/profiles/{profileId}/kyc-reviews/{kycReviewId}`**

Retrieves a single KYC Review by ID for a profile.

Response
Possible HTTP status codes

200 - OK
Returns KYC Review object

404 - Not Found
KYC Review not found

401 - Unauthorized
User is not authorized to access the resource

Example Request

```shell
curl \
  -L 'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-reviews/{kycReviewId}' \
  -H 'Authorization: Bearer <user access token>'
```

Example Response

```json
[
  {
    "id": "46e1a5c4-4a9b-4563-39d3-18174d3ac0f8",
    "createdAt": "2024-09-03T16:22:02.257725",
    "updatedAt": "2024-09-03T16:24:21.065068",
    "requiredBy": "2024-09-03T16:22:02.257725",
    "status": "WAITING_CUSTOMER_INPUT",
    "triggerReferences": [
    {
      "type": "QUOTE",
      "triggerData": {
        "id": "ba83s43a-f623-46f0-956d-196c13e2ab01"
      }
    },
    {
      "type": "TRANSFER",
      "triggerData": {
        "id": "471147"
      }
    }],
    "redirectUrl": null,
    "requirements": [
      [
        {
          "key": "BUSINESS_USE_CASE",
          "status": "NOT_PROVIDED",
          "apiCollectionSupported": true,
          "versions": [
            {
               "version": "V1", "validUntil": "2026-03-30"
            },
            {
               "version": "V2"
            }
          ]
        }
      ],
      [
        {
          "key": "BUSINESS_MONTHLY_VOLUME",
          "status": "NOT_PROVIDED",
          "apiCollectionSupported": false,
          "versions": [
            {
               "version": "V1"
            }
          ]
        }
      ],
      [
        {
          "key": "BUSINESS_REGISTRATION_DOCS",
          "status": "IN_REVIEW",
          "apiCollectionSupported": false,
          "versions": [
            {
               "version": "V1"
            }
          ]
        }
      ]
    ]
  }
]
```

## Update KYC review to get a hosted KYC link 

**`PATCH /v1/profiles/{profileId}/kyc-reviews/{kycReviewId}`**

Updates the KYC review with a redirect url.

Returns KYC review object with a **`link`** field containing a url where the end customer needs to be
directed in order to complete the Hosted KYC flow.

Once Hosted KYC flow is completed by the end customer, they will be redirected to the `redirectUrl`
provided in this API call. During the redirection, the `redirectUrl` will be appended with query
parameters: `status=success`
or `status=error`, indicating whether Hosted KYC flow was completed successfully or not.

Request Fields
redirectUrl
URL where the user will be redirected at the end of the flow. Can contain query params and path
fragments. It has to be a valid URL as per [RFC2396](https://www.ietf.org/rfc/rfc2396.txt).

Response
Possible HTTP status codes

200 - OK
Returns updated KYC Review object

400 - Bad Request
Invalid request. (e.g. not valid URI)

401 - Unauthorized
User is not authorized to access the resource

404 - Not Found
KYC Review not found

Example Request

```shell
curl -L -X PATCH \
  'https://api.wise-sandbox.com/v1/profiles/{personalProfileId}/kyc-reviews/{kycReviewId}' \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer <user access token>' \
  -d '{
    "redirectUrl": "https://example.com"
  }'
```

Example Response

```json
{
  "id": "46e1a5c4-4a9b-4563-39d3-18174d3ac0f8",
  "createdAt": "2024-09-03T16:22:02.257725",
  "updatedAt": "2024-09-03T16:29:41.147522",
  "requiredBy": "2024-09-03T16:22:02.257725",
  "status": "WAITING_CUSTOMER_INPUT",
  "link": {
    "value": "https://wise-sandbox.com/embedded-flows/verification?token=d7332edb-25bf-41af-a4e9-09f5efe39ded&checkId=3120073",
    "expiresAt": "2024-09-03T16:29:41.203225146"
  },
  "triggerReferences": [{
    "type": "QUOTE",
    "triggerData": {
      "id": "ba83s43a-f623-46f0-956d-196c13e2ab01"
    }
  }],
  "redirectUrl": "https://example.com"
}
```

## Submit a KYC Requirement for a KYC Review 

**`POST /v2/profiles/{profileId}/kyc-requirements/{requirementKey}`**

This functionality is in a closed BETA.

Submit a KYC requirement under a KYC review.

* Please note that a KYC requirement can be only submitted if the KYC Review status is `WAITING_CUSTOMER_INPUT`.
* KYC requirement should only be submitted if the status is `"NOT_PROVIDED"` and `apiCollectionSupported` field is `true`.


Response
Possible HTTP status codes

202 - ACCEPTED
No response

400 - Bad Request
Invalid request. (e.g. not valid URI)

401 - Unauthorized
User is not authorized to access the resource

404 - Not Found
KYC Review or provided requirement key not found

Your title
Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/{requirementKey}' \
  -H 'Authorization: Bearer <token>' \
  -F 'files=@"<file>"' \
  -F 'submissionData={{submissionData}};type=application/json'
```

This is the generic example for this endpoint. This endpoint accepts files and a JSON object as form data. Select a KYC requirement from the dropdown above to see example requests

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_USE_CASE' \
  -H 'Authorization: Bearer <token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "useCases": ["DONATION","PAYING_RENT_OR_UTILITIES"]
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

useCase Accepted Values

```text
INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILAR,
DISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDS,
PAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDIT,
PAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROAD,
PAYING_RENT_OR_UTILITIES,
PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES,
PAYING_TAX_ON_PROFIT_OR_PROPERTY,
TRANSFER_WITHIN_COMPANY_OR_GROUP,
RECEIVE_INVESTMENTS_OR_FUNDS,
RECEIVE_PAYMENTS_FROM_CLIENTS,
DONATION,
OTHER
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_MONTHLY_VOLUME' \
  -H 'Authorization: Bearer <your api token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "amount": 4500.00,
    "currency": "USD"
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/ACCOUNT_PURPOSE' \
  -H 'Authorization: Bearer <your api token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "accountPurpose": "SENDING_MONEY_TO_FRIENDS_OR_FAMILY"
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

accountPurpose Accepted Values

```text
SENDING_MONEY_TO_FRIENDS_OR_FAMILY,
MOVING_SAVINGS,
GENERAL_LIVING_EXPENSES,
BUYING_GOODS_OR_SERVICES_ABROAD,
PAYING_FOR_MORTGAGE_OR_LOAN,
PAYING_BILLS,
RECEIVING_SALARY_OR_PENSION,
INVESTING
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/ACCOUNT_INTENT' \
  -H 'Authorization: Bearer <your api token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "accountPurpose": "PAYING_FOR_GOODS_OR_SERVICES_ABROAD"
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

accountPurpose Accepted Values

```text
For personal profiles:
CONTRIBUTING_TO_PERSONAL_SAVINGS
GENERAL_MONTHLY_LIVING_EXPENSES
INVESTING_IN_FUNDS_STOCKS_BONDS_OPTIONS_FUTURES_OR_OTHER
PAYING_FOR_GOODS_OR_SERVICES_ABROAD
PAYING_RENT_MORTGAGE_BANK_LOAN_INSURANCE_CREDIT
PAYING_RENT_UTILITIES_OR_PROPERTY_CHARGES
RECEIVE_SALARY_IN_DIFFERENT_CURRENCY
RECEIVE_PENSION_IN_DIFFERENT_CURRENCY
SENDING_MONEY_REGULARLY_TO_FAMILY
SENDING_MONEY_TO_MY_OWN_ACCOUNT_TO_BENEFIT_FROM_EXHCANGE_RATE

For business profiles:
INVESTING_IN_FUNDS_STOCKS_BONDS_OPTIONS_FUTURES_OR_OTHER
DISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDS
PAYING_RENT_MORTGAGE_BANK_LOAN_INSURANCE_CREDIT
PAYING_FOR_GOODS_SERVICES_ABROAD
PAYING_RENT_UTILITIES_OR_PROPERTY_CHARGES
PAYING_SUPPLIERS_CONTRACTORS_EMPLOYEES
PAYING_TAX_ON_PROFIT_OR_PROPERTY
TRANSFER_WITHIN_COMPANY_OR_GROUP
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/ACCOUNT_INTENT' \
  -H 'Authorization: Bearer <token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "sourceOfWealthList": ["BUSINESS_ACTIVITIES", "OTHER"],
    "otherSourceOfWealthDescription" : "Loan from friends"
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

sourceOfWealth Accepted Values

```text
BUSINESS_ACTIVITIES
INVESTMENTS
LOAN_OR_OTHER_FINANCING
DONATION
GRANTS
OTHER
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_SOURCE_OF_WEALTH_INFO' \
  -H 'Authorization: Bearer <token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "sourceOfWealthList": [
      {"BUSINESS_ACTIVITIES", "isSourceOfFund" : false},
      {"GRANTS", "isSourceOfFund" : true}
    ]
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

sourceOfWealth Accepted Values

```text
BUSINESS_ACTIVITIES 
INVESTMENTS 
LOAN_OR_OTHER_FINANCING 
DONATION 
GRANTS
OTHER
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_SHAREHOLDERS_CHECK' \
  -H 'Authorization: Bearer <token>' \
  -F 'files=@"<file-1>"' \
  -F 'files=@"<file-2>"'
```

Submission Data Example

```json
{
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

Accepted Documents

```text
Documents showing who ultimately owns and controls the company (e.g. a recent shareholder register, operating agreement, or partnership deed).
If an owner is another business, we need a document identifying the individuals who are the ultimate beneficial owners of that business.
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_DIRECTORS_CHECK' \
  -H 'Authorization: Bearer <token>' \
  -F 'files=@"<file-1>"' \
  -F 'files=@"<file-2>"'
```

Submission Data Example

```json
{
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

Accepted Documents

```text
We need to confirm the directors of your business. Directors can be members of the board of directors, general partners or part of executive management.
If a director is another business, we need a document identifying the individuals directing that business.
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_REGISTRATION_DOCS' \
  -H 'Authorization: Bearer <token>' \
  -F 'files=@"<file-1>"' \
  -F 'files=@"<file-2>"'
```

Submission Data Example

```json
{
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

Accepted Documents

```text
Proof of Business Registration. Like your certificate of incorporation, articles of association, or an official registry excerpt. It should be the document on record with the local business or tax authority. It must show:
The business name, identification number and full registered address,
The directors, managers, partners, trustees or members of the executive board
The owners, members or shareholders and their respective holdings.
If the above info has changed since you formed, please upload a document showing the most up to date details
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/USE_CASE_COUNTRIES' \
  -H 'Authorization: Bearer <token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "useCaseCountries": ["US", "UK", "DE"]      
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

Accepted Values

```text
Country codes in the list must be alpha-2 ISO-3166 standard
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/ID_DOCUMENT' \
  -H 'Authorization: Bearer <token>' \
  -F 'submissionData={{submissionData}};type=application/json'
```

Submission Data Example

```json
{
  "data": {
    "issuingCountry": "UK",
    "documentType": "DRIVERS_LICENSE",
    "frontSideFileName": "front_side",
    "backSideFileName": "back_side"
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

Accepted Values

```text
issuingCountry must be alpha-2 ISO-3166 standard
documentType should be one of:
PASSPORT
ID_CARD
DRIVERS_LICENSE
TAX_ID 
RESIDENCE_PERMIT 

frontSideFileName and backSideFileName are required for the following documentType that we require front and back of the ID:
ID_CARD 
DRIVERS_LICENSE 
TAX_ID 
RESIDENCE_PERMIT
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_AUTHORISATION_ID' \
  -H 'Authorization: Bearer <token>' \
  -F 'files=@"<file-1>"' \
  -F 'files=@"<file-2>"' \
```

Submission Data Example

```json
{
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

Accepted Documents

```text
The identification document of one company Director. This document is required to verify authorization to act on the account on behalf of their organisation. 
It is only asked for if the Business Representative (the account creator) is not listed as a Director of the company.
```

Example Request

```shell
curl -X POST \
  'https://api.wise-sandbox.com/v2/profiles/{profileId}/kyc-requirements/BUSINESS_ULTIMATE_BENEFICIAL_OWNER_ID' \
  -H 'Authorization: Bearer <token>' \
  -F 'submissionData={{submissionData}};type=application/json' \
  -F 'files=@"<file-1>"'
```

Submission Data Example

```json
{
  "data": {
    "documentType":"NATIONAL_ID",
    "shareholderId":"489209",
    "frontSideFileName":"image1.jpeg",
    "backSideFileName": "image2.jpeg",
    "ssn": null
  },
  "version": "V1",
  "kycReviewId": "93a903ea-636c-4c86-a25c-cf6d2bd00e81"
}
```

documentType Accepted Values

```text
DRIVING_LICENSE 
NATIONAL_ID
PASSPORT
SSN
NON_US_DRIVING_LICENSE
NON_US_NATIONAL_ID
NON_US_PASSPORT
```