Verification

Infinite provides built-in identity verification (KYC/KYB) and compliance services integrated directly into the customer onboarding flow.

Overview

The verification system handles:

Individual KYC — Identity verification for personal customers
Business KYB — Business verification and beneficial ownership disclosure
Document Collection — Secure upload and processing of identity documents
Risk Assessment — Automated risk scoring and compliance checks
Ongoing Monitoring — Continuous compliance monitoring and alerts

Verification Types

Individual KYC

For personal customers, individual KYC verification includes:

Identity Verification — Government-issued ID validation
Address Verification — Proof of address documents
Sanctions Screening — Real-time sanctions list checking
PEP Screening — Politically Exposed Person identification
Enhanced Due Diligence — Additional checks for high-risk customers

Business KYB

For business customers, KYB verification covers:

Company Registration — Business registration document verification
Beneficial Ownership — Ultimate beneficial owner (UBO) identification
Director Verification — Company director identity checks
Corporate Structure — Ownership structure analysis
Regulatory Compliance — Industry-specific compliance requirements

Ownership structure

Business verification requires at least one qualifying individual before submission:

Beneficial owner — an individual whose effective ownership of the business is 25% or more. Effective ownership is computed through intermediate businesses: a person holding 50% of a company that owns 60% of your customer has 30% effective ownership.
Control person — an individual with hasControl: true (CEO, managing member, or equivalent). A control person satisfies the requirement even when no individual reaches 25% effective ownership.

If neither is present, submission is rejected with At least one beneficial owner or control person must be identified. For indirect ownership, create the intermediate business with POST /customers/:id/associated_businesses, then create each person with parentEntityId set to that business ID. Include ownershipPercentage as the person’s share of the parent, not of your customer. If the share is unknown, omit ownershipPercentage and set hasOwnership: true to designate them as an owner. Nonprofits, trusts, and cooperatives are exempt from beneficial-owner and control-person submission requirements.

Verification Workflow

There are two ways to verify customers:

Option 1: Hosted Verification Link

Generate a verification link and send it to your customer. They complete verification through Infinite’s hosted UI.

import requests

response = requests.post(
    'https://api.infinite.dev/v1/verification/initiate',
    headers={
        'Authorization': 'Bearer sk_live_...',
        'Content-Type': 'application/json',
    },
    json={
        'name': 'Jane Smith',
        'email': 'jane@example.com',
        'type': 'INDIVIDUAL',
        'countryCode': 'US',
        'customerId': 'cus_abc123',
    },
)

const response = await fetch(
  'https://api.infinite.dev/v1/verification/initiate',
  {
    method: 'POST',
    headers: {
      Authorization: 'Bearer sk_live_...',
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({
      name: 'Jane Smith',
      email: 'jane@example.com',
      type: 'INDIVIDUAL',
      countryCode: 'US',
      customerId: 'cus_abc123',
    }),
  },
);

export INFINITE_API_KEY=sk_live_...
infinite api POST /v1/verification/initiate --body '{
  "name": "Jane Smith",
  "email": "jane@example.com",
  "type": "INDIVIDUAL",
  "countryCode": "US",
  "customerId": "cus_abc123"
}'

Start identity verification for cus_abc123 — Jane Smith, jane@example.com, an individual in the US.

# Infinite MCP is read-only today — run the CLI tab to execute.

curl -X POST "https://api.infinite.dev/v1/verification/initiate" \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Jane Smith",
    "email": "jane@example.com",
    "type": "INDIVIDUAL",
    "countryCode": "US",
    "customerId": "cus_abc123"
  }'

This returns a verification session with a link the customer can use to complete their KYC/KYB.

Option 2: API-Driven Verification

Collect customer details via your own UI and submit them through the customer API:

Create a customer via POST /customers/individuals or POST /customers/businesses
Save the verification payload via POST /customers/:id/verification/individual or POST /customers/:id/verification/business
Submit with POST /customers/:id/submit, or pass ?submit=true on the verification call

Verification Status

Verification status is reflected on the customer status:

Customer Status	Description
`DRAFT`	Data collection in progress
`IN_REVIEW`	Submitted, under compliance review
`NEED_ACTIONS`	Additional information required (RFI)
`ACTIVE`	Verification passed, compliance approved
`REJECTED`	Verification failed

Required at submit

Saving verification data does not require every field. POST /customers/{id}/verification/business and POST /customers/{id}/verification/individual accept partial payloads. Passing submit=true, or calling POST /customers/{id}/submit, requires the base package below. The compliance endpoint is the checklist for a specific customer.

Business

Legal name, business type, description, and 6-digit NAICS industry code
Business email, phone, and website
Tax identification number and registration date
Registered address and physical address
Account purpose, source of funds, estimated annual revenue, expected monthly payment volume, expected counterparty countries, expected monthly crypto volume, and primary target market
At least one beneficial owner or control person

Individual

First and last name, email, phone, date of birth, tax identification number, residential address, government ID, and a selfie. Proof of address is required when the customer does not reside in the US. Terms acceptance is also required.

Required Documents

The documents below reflect the base verification requirements. Additional documents may be requested during review via an RFI (Request for Information). The full, up-to-date list for a given customer is always available from the compliance endpoint.

Individual Customers

Identity Documents

Government ID (Front) (required):

Government-issued photo ID (passport, driver’s license, national ID, military ID, permanent residency ID, or state/provincial ID)

Government ID (Back) (optional):

Not required for passports

Selfie (required):

Good lighting, eyes open, no obstructions covering the face

Proof of Address

Proof of Address (required for customers residing outside the US):

Bank statement, utility bill, government letter, or lease agreement
Must be issued within the last 90 days
Optional for customers residing in the US

Supporting Documents

Supporting Documents (optional):

Any additional documents that support the verification

Business Customers

Formation & Registration

Business Formation Documents (required):

Articles of Incorporation, Certificate of Formation, Operating Agreement, or similar

Certificate of Incorporation / Registration (required):

Registration document matching the business type — trusts provide a trust deed or trust agreement; sole proprietorships provide a business license plus a trade name / DBA filing

TIN Verification (required for sole proprietorships, otherwise optional):

Sole proprietorships: tax return, tax authority confirmation letter, or equivalent tax identification document
Other businesses: IRS EIN confirmation letter (CP 575 or 147C)

Ownership & Directors

Ownership Information (required, except sole proprietorships and trusts):

Cap table, shareholder registry, trust deed, or ownership structure document

Directors Registry (required for non-US businesses, except sole proprietorships):

Registry extract, register of directors, certificate of incumbency, or equivalent official record showing the company directors

Proof of Address

Business Address Proof (required):

Utility bill or bank statement for the business address, issued within the last 90 days (PDF preferred)

Related Party Proof of Address (required per UBO or control person):

Utility bill, bank statement, or government correspondence dated within 90 days for each beneficial owner or control person

Authorization

Proof of Signatory Authority (optional):

Board resolution, letter of authorization, certificate of incumbency, or similar document showing who is authorized to act on behalf of the company

Webhooks

Subscribe to verification events for real-time updates:

customer.verified — Customer verification completed
customer.status_changed — Customer status updated
verification.session.completed — Verification session finished
verification.session.submitted — Customer submitted their verification

See the Webhooks guide for setup instructions.

Next Steps

After successful verification, customers can proceed to creating accounts and transfers.

Accounts

Set up bank accounts and wallets for your customers

Transfers

Move funds for verified customers

Get started

Core Concepts

Guides

Overview

Verification Types

Individual KYC

Business KYB

Ownership structure

Verification Workflow

Option 1: Hosted Verification Link

Option 2: API-Driven Verification

Verification Status

Required at submit

Business

Individual

Required Documents

Individual Customers

Business Customers

Webhooks

Next Steps

Accounts

Transfers

​Overview

​Verification Types

​Individual KYC

​Business KYB

​Ownership structure

​Verification Workflow

​Option 1: Hosted Verification Link

​Option 2: API-Driven Verification

​Verification Status

​Required at submit

​Business

​Individual

​Required Documents

​Individual Customers

​Business Customers

​Webhooks

​Next Steps

Accounts

Transfers

Overview

Verification Types

Individual KYC

Business KYB

Ownership structure

Verification Workflow

Option 1: Hosted Verification Link

Option 2: API-Driven Verification

Verification Status

Required at submit

Business

Individual

Required Documents

Individual Customers

Business Customers

Webhooks

Next Steps