Data Requirements

Required data fields by activity type and region

The data required for each user depends on the type of regulated activity they want to perform, the KYC tier that applies, and the user’s residency.

KYC Tiers for On/Offramp

On/offramp verification is progressive. Crossmint applies a KYC tier based on cumulative transaction volume, transaction frequency, and risk profile, so a user does not have to provide the full data set up front for low-value activity.

Tier	Applies when	What is required
Progressive (light) KYC	Up to $1,000 in total volume in the last 12 months and a low transaction count	userDetails and kycData only
Full KYC	Transacting over the progressive (light) KYC limits	Progressive KYC data plus dueDiligence, verificationHistory, an identity document, and a selfie

Verification status is reported per tier: onramp-light / offramp-light for the progressive tier and onramp / offramp for the full tier. See Onramp user onboarding and Offramp KYC & compliance for how and when each tier applies to each product, including regional differences.

Progressive (light) KYC is available for both the embedded (client-side) flow and the import-KYC-data (server-side) API flow. Availability can vary by region.

Additional Document Requests

Independently of the tier, Crossmint’s compliance team may request a specific document from a user at any time — a proof of address, a source of wealth document, or an identity document. Each is requested on its own, only for the users that need it, and surfaces through the verification status API as requires-data with the document listed in missingDocuments. Upload the document and re-trigger verification to resolve it — see the quickstart for the full flow.

Requirements for non-US residents

The following tables show what information is required for each activity type and tier for users residing outside the United States. To see the specific fields required for each object follow the Create User API documentation.

Data Requirements

Object	Payouts	On/offramp (progressive)	On/offramp (full)
userDetails	✅	✅	✅
kycData		✅	✅
dueDiligence			✅
verificationHistory			✅

Document Requirements

No documents are required for progressive (light) KYC. Documents are only requested once a user reaches the Full KYC tier. Use the Upload Document API to upload the necessary materials.

Document Type	Payouts	On/offramp (progressive)	On/offramp (full)
Identity document			✅
Selfie			✅

Proof of address (proof-of-address) and source of wealth (source-of-wealth) are never part of a standard tier — upload them only when Crossmint’s compliance team requests them from a specific user (see Additional Document Requests).

Under progressive (light) KYC an identity number may still be required inside kycData.identityDocument — an ID number for EU/EEA residents (optional for the rest of the world). This is a data field, not a document upload; passport, ID card, selfie, and other document uploads are only requested at the Full KYC tier.

Identity document types for non-US residents:

• For residents of countries outside of EU/EEA, only passport (id-passport) is accepted. Driving licenses or local ID cards are not accepted.
• For residents of EU/EEA countries, passport (id-passport), ID cards (id-idcard-front, id-idcard-back), or residency permit (id-residency-permit, Spain residents only) are accepted.

Requirements for US residents

There are no KYC tiers for US residents: the required data does not change with transaction volume. What is required depends on the user’s state of residence.

Data Requirements

Object	Most states	NY, NC, TN, TX, VA
userDetails	✅	✅
kycData	✅	✅
dueDiligence		✅
verificationHistory	✅	✅

US-specific field rules:

• kycData.phoneNumber is required (it is optional for non-US residents)
• Identity is provided via SSN in the kycData.identityDocument field (type "ssn")
• When the dueDiligence object is included, its estimatedYearlyIncome field is required (it is optional for non-US residents). In states that do not require due diligence, omit the dueDiligence object entirely.

Document Requirements

No identity document upload or selfie is required for standard on/offramp — identity is verified through the SSN provided in kycData.

Crossmint’s compliance team may still request documents from specific US users (see Additional Document Requests). For US residents, an identity document request is satisfied with a passport (id-passport) or driver’s license (id-idcard-front, id-idcard-back); a proof of address may also be requested. Source of wealth is generally not requested from US residents.

Next Steps

Quickstart

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