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Overview

The platform implements the CBN 6-tier KYC framework. Every user starts at Tier 0 and can upgrade by completing identity checks. Higher tiers unlock higher transaction limits. KYC is verified through Sumsub (Tier 1–2) and Youverify (Tier 3+) with EDD (Enhanced Due Diligence) for high-value tiers.

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Tier limits

TierNameSingle credit limitCumulative limitVerification
0Unverified₦0₦0None
1Basic₦50,000₦200,000/dayPhone + BVN
2Enhanced₦200,000₦1,000,000/dayTier 1 + NIN
3Standard₦500,000₦5,000,000/dayTier 2 + face match
4Premium₦2,000,000₦10,000,000/dayTier 3 + address proof
5CorporateUnlimitedUnlimitedEDD + CAC

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Initiating KYC

POST /kyc-initiate
Authorization: Bearer <token>

{
  "tier": 1
}
Returns a sdk_token to initialize the Sumsub SDK in your mobile/web app.

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Checking status

GET /kyc-status
Authorization: Bearer <token>
Returns the user’s current tier, pending checks, and any EDD case in progress.

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KYC gate on escrow creation

If a user tries to create or fund an escrow above their tier limit, the API returns: 
{
  "success": false,
  "status": 403,
  "error": "KYC limit exceeded for this transaction amount",
  "code": "KYC_LIMIT_EXCEEDED",
  "current_tier": 1,
  "limit": 50000
}
Your client should use code: KYC_LIMIT_EXCEEDED to redirect the user to KYC upgrade.

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EDD documents

For Tier 4+ upgrades, additional documents can be uploaded: 
POST /kyc-document-upload
Authorization: Bearer <token>

{
  "document_type": "utility_bill",
  "file": "<base64>",
  "mime_type": "image/jpeg"
}
Tier upgrades are applied automatically via the Sumsub/Youverify webhook — no polling needed.