Submit KYC

POST /api/kyc

User · rate limited (20 / 15 min)

Body

Field	Type	Rules
idType	enum	BVN or NIN
idNumber	string	Exactly 11 digits
firstName	string	2–50 letters, spaces, apostrophes or hyphens
lastName	string	Same rules
dateOfBirth	string	YYYY-MM-DD, at least 18 years ago

{ "idType": "BVN", "idNumber": "22212345678", "firstName": "Emeka", "lastName": "Okafor", "dateOfBirth": "1992-04-18" }

Response 201

With Smile ID configured:

{ "status": "VERIFIED", "message": "Your identity has been verified. You can now trade." }

{ "status": "REJECTED", "message": "We could not match your details to this ID. Check your name and date of birth, then try again." }

Without Smile ID:

{ "status": "PENDING", "message": "Thanks! Your details are queued for manual review." }

Errors

Status	Code	Cause
400	VALIDATION_ERROR	e.g. "BVN and NIN are 11 digits", "You must be at least 18 years old"
409	CONFLICT	Already verified, already pending, or ID linked to another account
503	KYC_PROVIDER_ERROR	Smile ID unavailable; status unchanged