> ## Documentation Index
> Fetch the complete documentation index at: https://docs.carbn.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# KYC Requirements

> Identity verification requirements for individuals and businesses

Carbn Connect requires identity verification to ensure compliance with regional regulatory standards. Requirements vary by jurisdiction and user type - this guide provides clear, region-specific requirements.

## Overview

All users must provide **basic identity information**. Additional requirements depend on:

* **Geographic location** (country of residence)
* **User type** (individual vs. business)
* **Transaction patterns** (volume and risk assessment)

<Info>
  **Basic Requirements**: All users must provide the following regardless of jurisdiction:

  * Full name
  * Email address
  * Date of birth
  * Country of residence
  * Residence address
</Info>

<Check icon="id-card">
  **Identity Documents** (required for all users):

  * Government-issued photo ID (passport or national ID)
</Check>

<Note icon="receipt">
  **Tax Identification** (required only in specific countries - see regional details below)
</Note>

***

## Document Requirements

Document verification is based on the individual's valid government-issued credentials from any supported jurisdiction.

<Info>
  Requirements vary by region due to different regulatory frameworks. Select your region for specific tax identification requirements:
</Info>

<AccordionGroup>
  <Accordion title="North America" icon="flag" defaultOpen>
    <AccordionGroup>
      <Accordion title="🇺🇸 United States" defaultOpen>
        | **Document Type**     | **Document Name**                                                     |
        | :-------------------- | :-------------------------------------------------------------------- |
        | **Identity Document** | `passport`, `national_id`, `permanent_resident_id`, `driving_license` |
        | **Tax Document**      | `itin`                                                                |

        <Info>
          **Additional Requirements:**

          * Proof of address may be required
          * New York and Alaska are currently not supported
        </Info>
      </Accordion>

      <Accordion title="🇨🇦 Canada">
        | **Document Type**     | **Document Name**                                                     |
        | :-------------------- | :-------------------------------------------------------------------- |
        | **Identity Document** | `passport`, `national_id`, `permanent_resident_id`, `driving_license` |
        | **Tax Document**      | `sin`                                                                 |
      </Accordion>

      <Accordion title="🇲🇽 Mexico">
        | **Document Type**     | **Document Name**                                                     |
        | :-------------------- | :-------------------------------------------------------------------- |
        | **Identity Document** | `passport`, `national_id`, `permanent_resident_id`, `driving_license` |
        | **Tax Document**      | `rfc`, `curp`                                                         |
      </Accordion>
    </AccordionGroup>
  </Accordion>

  <Accordion title="Europe" icon="flag" defaultOpen>
    <AccordionGroup>
      <Accordion title="🇪🇺 European Union (EU)" defaultOpen>
        ### Identity Documents

        <Columns cols={2}>
          <Card icon="circle-arrow-right" horizontal>
            * `passport`
          </Card>

          <Card icon="circle-arrow-right" horizontal>
            * `national_id`
          </Card>

          <Card icon="circle-arrow-right" horizontal>
            * `permanent_resident_id`
          </Card>

          <Card icon="circle-arrow-right" horizontal>
            * `driving_license`
          </Card>
        </Columns>

        ### Tax Documents for EU Countries

        <Card>
          | **Supported Country** | **Tax Document**                                                      |
          | :-------------------- | :-------------------------------------------------------------------- |
          | 🇮🇪 Ireland          | `ppsn` - Personal Public Service Number                               |
          | 🇫🇷 France           | `spi` - Social Security Number                                        |
          | 🇪🇸 Spain            | `nie` - Número de Identificación de Extranjeros                       |
          | 🇩🇪 Germany          | `steuer_id` - Steueridentifikationsnummer (Tax Identification Number) |
          | 🇳🇱 Netherlands      | `bsn` - Burgerservicenummer (Citizen Service Number)                  |
          | 🇧🇪 Belgium          | `nrn` - National Register Number                                      |
          | 🇫🇮 Finland          | `hetu` - Finnish Personal Identity Code                               |
          | 🇩🇰 Denmark          | `cpr` - Central Person Register Number                                |
          | 🇸🇪 Sweden           | `personnummer` - Personal Identity Number                             |
          | 🇵🇹 Portugal         | `nif` - Número de Identificação Fiscal                                |
          | 🇦🇹 Austria          | `si` - Social Insurance Number                                        |
          | 🇮🇹 Italy            | `cf` - Codice Fiscale                                                 |
          | 🇱🇺 Luxembourg       | `matricule` - Matricule Number                                        |
          | 🇪🇪 Estonia          | `isikukood` - Personal Identification Code                            |
          | 🇱🇹 Lithuania        | `asmens_kodas` - Personal Code                                        |
          | 🇱🇻 Latvia           | `personas_kods` - Person's Code                                       |
        </Card>

        <Info>
          **Proof of Address is required for following EU Countries:**

          <Columns cols={3}>
            <div>
              * Croatia
              * Cyprus
              * Czech Republic
              * Estonia
            </div>

            <div>
              * Hungary
              * Latvia
              * Lithuania
              * Malta
            </div>

            <div>
              * Poland
              * Romania
              * Slovakia
              * Slovenia
            </div>
          </Columns>
        </Info>
      </Accordion>

      <Accordion title="🇬🇧 United Kingdom (UK)">
        | **Document Type**     | **Document Name**                                                     |
        | :-------------------- | :-------------------------------------------------------------------- |
        | **Identity Document** | `passport`, `national_id`, `permanent_resident_id`, `driving_license` |
        | **Tax Document**      | `nino`                                                                |

        <Info>
          **Additional Requirements:**

          * Proof of UK address required
        </Info>
      </Accordion>
    </AccordionGroup>
  </Accordion>

  <Accordion title="Asia-Pacific" icon="flag">
    ### Identity Documents

    <Columns cols={2}>
      <Card icon="circle-arrow-right" horizontal>
        * `passport`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `national_id`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `permanent_resident_id`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `driving_license`
      </Card>
    </Columns>

    ### Tax Documents for Asia Pacific Countries

    <Card>
      | **Supported Country** | **Tax Document**                                                              |
      | :-------------------- | :---------------------------------------------------------------------------- |
      | 🇵🇭 Philippines      | `tin` - Tax Identification Number                                             |
      | 🇸🇬 Singapore        | `nric` - National Registration Identity Card, `fin` - Foreign Identity Number |
      | 🇦🇺 Australia        | `tfn` - Tax File Number                                                       |
      | 🇯🇵 Japan            | `my_number` - My Number Card                                                  |
      | 🇰🇷 South Korea      | `rrn` - Resident Registration Number                                          |
      | 🇮🇳 India            | `pan` - Permanent Account Number                                              |
      | 🇲🇾 Malaysia         | `itr` - Income Tax Reference Number                                           |
      | 🇹🇭 Thailand         | `tin` - Tax Identification Number                                             |
    </Card>
  </Accordion>

  <Accordion title="Africa" icon="flag">
    ### Identity Documents

    <Columns cols={2}>
      <Card icon="circle-arrow-right" horizontal>
        * `passport`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `national_id`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `permanent_resident_id`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `driving_license`
      </Card>
    </Columns>

    ### Tax Documents for Africa Countries

    <Card>
      | **Supported Country** | **Tax Document**                                                                                              |
      | :-------------------- | :------------------------------------------------------------------------------------------------------------ |
      | 🇳🇬 Nigeria          | `nin` - National Identification Number / `bvn` - Bank Verification Number / `tin` - Tax Identification Number |
      | 🇿🇦 South Africa     | `itr` - Income Tax Reference Number                                                                           |
      | 🇬🇭 Ghana            | `tin` - Tax Identification Number                                                                             |
      | 🇰🇪 Kenya            | *No tax document required*                                                                                    |
      | 🇪🇬 Egypt            | `tin` - Tax Identification Number                                                                             |
      | 🇲🇦 Morocco          | `if` - Identification Fiscal                                                                                  |
    </Card>
  </Accordion>

  <Accordion title="Latin America" icon="flag">
    ### Identity Documents

    <Columns cols={2}>
      <Card icon="circle-arrow-right" horizontal>
        * `passport`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `national_id`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `permanent_resident_id`
      </Card>

      <Card icon="circle-arrow-right" horizontal>
        * `driving_license`
      </Card>
    </Columns>

    ### Tax Documents for Latin America Countries

    <Card>
      | **Supported Country** | **Tax Document**                                                                           |
      | :-------------------- | :----------------------------------------------------------------------------------------- |
      | 🇧🇷 Brazil           | `cpf` - Cadastro de Pessoas Físicas                                                        |
      | 🇲🇽 Mexico           | `rfc` - Registro Federal de Contribuyentes / `curp` - Clave Única de Registro de Población |
      | 🇦🇷 Argentina        | `cuil` - Código Único de Identificación Laboral                                            |
      | 🇨🇴 Colombia         | `cc` - Cédula de Ciudadanía                                                                |
      | 🇨🇱 Chile            | `rut` - Registro Único Tributario                                                          |
      | 🇵🇪 Peru             | `ruc` - Registro Único de Contribuyentes                                                   |
    </Card>
  </Accordion>
</AccordionGroup>

***

## Enhanced Due Diligence

For users requiring additional verification or to increase user limits, see [Enhanced Due Diligence](/documentation/developer-platform/users/compliance/enhanced-due-diligence).

***

## Implementation Methods

Carbn Connect offers two approaches for user identity verification:

<AccordionGroup>
  <Accordion title="Direct API Integration (Recommended)" icon="code" defaultOpen>
    **API-first approach** for full control over user experience:

    * Build your own KYC collection interface
    * Handle all document collection and validation
    * Manage compliance requirements per region (detailed below)
    * Custom UI/UX design and branding
    * Same processing times as hosted links
    * Average decision time: **under 1 minute** for automated approval
    * Manual reviews: **1-2 business days**

    *Best for organizations that want complete control over their user onboarding experience.*
  </Accordion>

  <Accordion title="Hosted KYC Links" icon="link">
    **Pre-built compliance flow** that handles the complete verification process:

    * Terms of Service acceptance
    * Document collection and verification
    * Automated regulatory compliance checks
    * Faster implementation with minimal development required
    * Same processing times as API integration

    *Ideal for faster time-to-market with proven compliance workflows.*
  </Accordion>
</AccordionGroup>

***

## What's Next?

<CardGroup cols={2}>
  <Card title="Onboard Your First User" icon="user-plus" href="/documentation/getting-started/onboard-first-user" arrow="true" horizontal>
    Implement user onboarding with proper KYC handling
  </Card>

  <Card title="User Onboarding Status" icon="users" href="/documentation/developer-platform/users/compliance/user-status" arrow="true" horizontal>
    Learn about user onboarding status in Carbn Connect
  </Card>
</CardGroup>