KYC Policy

1. Why we verify

Verification is required by our regulated payment and payout partners and by card scheme rules, and reflects our own commitment that a guest scanning a Kudvi code always tips a real, identified person.

2. What we verify

• Identity: a government issued identity document, checked for authenticity.
• Liveness: confirmation that the person presenting the document is its holder.
• Payout ownership: the name on the payout account must match the verified identity.
• Screening: checks against applicable sanctions lists and politically exposed person lists.
• Where an account is operated for a business, the business details and the identity of its representative.

3. How we verify

Identity verification is performed by Sumsub, our third party identity verification provider. Recipients complete Sumsub's document and liveness flow during onboarding, and the results are returned to Kudvi for a final decision. Sumsub processes verification data on our behalf, as described in the Privacy Policy.

4. When we verify

Verification happens before a QR code is issued. We refresh checks periodically, when details change, when transaction patterns warrant a review, or when required by our partners or by law.

5. Outcomes

Verification results in approval, a request for further information, or a decline. We may suspend an approved account pending re verification. Where the law allows, we explain the reason for a decline; in some cases, such as sanctions matters, we are legally prevented from doing so.

6. Data handling

Verification data is processed as described in the Privacy Policy, stored with restricted access, and retained for five years after the relationship ends, in line with anti money laundering standards and the requirements of our payment partners.

7. Your obligations

Recipients must provide accurate information and keep it current. Presenting false or altered documents leads to permanent removal and, where required, a report to the competent authorities.