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KYC Management
Admin operations for reviewing KYC submissions, managing customer tiers, verifying bank accounts, and preventing fraud.
KYC Review Workflow
1. Review KYC Submission
Admin reviews submitted documents in Directus CMS:
Tier 1 Review (Basic KYC)
| Document | Verification |
|---|---|
| ID Card / Passport | Photo clarity, data matches, expiry valid |
| Selfie | Face matches ID, photo is recent |
| Personal Info | Name, DOB, address consistency |
Tier 2 Review (Enhanced KYC)
| Document | Verification |
|---|---|
| Address Proof | Utility bill, bank statement (< 3 months) |
| Occupation | Employer verification, income consistency |
Tier 3 Review (Full KYC)
| Document | Verification |
|---|---|
| Source of Funds | Bank statements, income documentation |
| PEP Declaration | Politically Exposed Person status check |
2. Approve / Request Revision
| Action | Effect |
|---|---|
| Approve | kyc_status updated, tier level upgraded, max_loan increased |
| Request Revision | User notified with specific revision comments |
| Reject | KYC rejected, user informed of reason |
3. Resubmit Review
When a user resubmits after a revision request, admin re-reviews the updated documents:
| Step | Admin Action |
|---|---|
| Review changes | Compare resubmitted fields against revision comments |
| Check documents | Verify corrected documents (photos, IDs) are valid |
| Decision | Approve, request another revision, or reject |
| Notification | System sends email + in-app notification to user |
KYC Status Transitions
| From | Action | To |
|---|---|---|
pending | Approve | approved |
pending | Request Revision | revision_requested |
pending | Reject | rejected |
revision_requested | User resubmits | pending |
- No limit on revision cycles — admin can request multiple rounds of corrections
- Each resubmission resets status to
pending - Full revision history is maintained for audit
4. Customer Tier Management
Each tier sets the max_loan field on the customer record, which controls the maximum aggregate loan amount the user can hold. See KYC Tiers & Limits for detailed tier specifications.
5. Bank Account Verification
| Field | Description |
|---|---|
| Bank Name | Thai bank selection |
| Account Name | Must match KYC identity |
| Account Number | Bank account number |
| Book Bank Photo | Photo of bank book for verification |
Status tracked via bank_account_status on customer record. Bank account is required before:
- Receiving loan disbursement (THB transfer)
- Processing cryptocurrency withdrawals
6. ID Duplication Check
The .NET backend performs automatic duplication checks:
- Thai ID Card: 13-digit number checked against all existing customers
- Passport: Passport number checked against all existing customers
- Prevents one person from creating multiple accounts
- Admin is alerted if a duplicate is detected
7. Business Account Review
Additional verification for business accounts:
| Document | Check |
|---|---|
| Company Registration | Valid registration number |
| Articles of Association | Current and valid |
| Certificate of Incorporation | Matches company details |
| Authorized Persons | Verified against company documents |
| Directors/Shareholders | Identity documents verified |
Next: Repayment & Extensions →