KYC & Compliance

How identity verification and compliance work for Crossmint Offramp

Every end user must pass KYC before they can withdraw funds through the Offramp. You can collect this verification with a Crossmint-hosted flow, or pass data you have already verified yourself. This page covers the onboarding models, the KYC tiers, and where to find the exact data requirements.

The user KYC API must be enabled for your project. If calls return "project not configured to support the users KYC endpoints", contact sales to enable it.

Choose Your Onboarding Model

Model	Best for	How it works
Import KYC data	Platforms that already verify users	You pass user data to Crossmint via API (Sumsub token-sharing coming soon)
Crossmint-hosted	Teams that want the fastest integration	The user completes KYC inside secure embedded components

How Verification Works

Verification runs asynchronously. You register the user, trigger verification, then poll until their offramp eligibility reads verified. Only verified users can save a payment method or create an order. The Identity quickstart walks through the full sequence (accept the privacy policy, register the user, trigger verification, upload any required documents, and poll status), and its response reports eligibility per product, including offramp (full KYC) and offramp-light (progressive KYC). These endpoints use a userId: locator, a unique identifier you choose for the user.

KYC Tiers

Crossmint applies KYC tiers based on cumulative transaction volume, transaction frequency, and risk profile — the same model used for Onramp:

Tier	Applies When	Data Required
Progressive (light) KYC	Up to $1,000 in total volume in the last 12 months	Name, date of birth, nationality, country, address, email, and phone number (phone required for US residents). An ID number or SSN is required for US (SSN) and EU/EEA residents; optional elsewhere. No document uploads.
Full KYC	Over $1,000 in total volume in the last 12 months, or a high number of transactions	Progressive KYC data plus dueDiligence, verificationHistory, identity document, and selfie. See the data requirements page.
Enhanced Due Diligence (EDD)	High-risk individuals or regions	Full KYC data plus proof of address and proof of income

Light KYC is available to non-US residents; US residents always complete Full KYC. Identity verification eligibility reports both tiers per user: offramp-light (progressive) and offramp (full).

Guides

Import KYC Data

Data Requirements