KYC review
When manual review happens
If Smile ID credentials (SMILE_PARTNER_ID, SMILE_API_KEY) are not configured, every identity submission is saved with status Under review (PENDING). When Smile ID is configured, submissions are verified automatically and only reach manual review if you change that behaviour.
Reviewing a submission
- Open Users and filter KYC status → Under review (or click Pending KYC on the overview).
- Open the user.
- Compare the name on submission with the user's payout account names.
- Click Approve or Reject.
| Decision | Result |
|---|---|
| Approve | Status becomes VERIFIED; the user can trade immediately (after verifying email) |
| Reject | Status becomes REJECTED; the user can correct their details and resubmit |
Only PENDING submissions can be reviewed. Trying to review any other status returns an error.
Red flags
- Payout account names that don't match the submitted name
- Several accounts with similar names created close together
- A rejected user repeatedly resubmitting with different names
Duplicate IDs are blocked automatically: the same BVN/NIN can't be linked to two accounts.