KYC verification

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Run KYC (Know Your Customer) verification on business owners.

Call in one of two ways:

  1. By application — provide app_id. Owner information is read from the application data on file.
  2. Directly — provide an owners array. No application lookup is performed.

lender_key is derived from the API token. SSN and driver's license values are masked in responses. More owner attributes generally produce stronger verification scores.

Body·KycRequest

required
application/json
  • app_id
    Type: string

    Required if owners is not provided

  • owners
    Type: array of KycOwnerInput

    Required if app_id is not provided

    Properties: 17

Responses

  • application/json
  • application/json
  • 401

    Missing or invalid Bearer token. Response body is empty.

  • application/json
  • application/json
  • application/json
Request Example for post/application/kyc
curl https://api.kaaj.ai/application/kyc \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \
  --data '{
  "app_id": "Kaaj-app-1"
}'

{
  "from_db": true,
  "app_id": null,
  "status": "success",
  "total_owners": 1,
  "processed_owners": 1,
  "results": [
    {
      "owner_id": "string",
      "owner_name": "string",
      "owner_first_name": "string",
      "owner_last_name": "string",
      "owner_ssn": "string",
      "owner_dob": "string",
      "owner_email": "string",
      "owner_phone": "string",
      "owner_address_line_1": "string",
      "owner_address_line_2": "string",
      "owner_city": "string",
      "owner_state": "string",
      "owner_state_code": "string",
      "owner_zip": "string",
      "owner_title": "string",
      "owner_percentage": 1,
      "success": true,
      "verification_score": 1,
      "verification_code": "string",
      "verification_reason": "string",
      "error": "string",
      "name_match_type": "Match",
      "ssn_match_type": "Match",
      "dob_match_type": "Match",
      "address_match_type": "Match",
      "city_match_type": "Match",
      "state_match_type": "Match",
      "zip_match_type": "Match",
      "email_match_type": "Match",
      "phone_match_type": "Match",
      "driver_license_match_type": "Match",
      "identity_first_seen_date": "string",
      "identity_last_seen_date": "string",
      "address_first_seen_date": "string",
      "address_last_seen_date": "string",
      "phone_first_seen_date": "string",
      "phone_last_seen_date": "string",
      "email_first_seen_date": "string",
      "email_last_seen_date": "string",
      "is_deceased": true,
      "is_high_risk_address": true,
      "is_residential_address": true,
      "high_risk_category": "string",
      "first_party_risk_score": "string",
      "score_descriptions": "string"
    }
  ]
}

KYC results