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KYC Tiers & Limits
The platform uses a tiered KYC (Know Your Customer) system that progressively grants access to features and higher loan limits as users complete more verification.
Tier Overview
Tier Requirements
| Tier | Documents Required | Verification |
|---|---|---|
| 0 | Email + Password | Email OTP |
| 1 | ID Card or Passport, Selfie photo | Admin manual review |
| 2 | Address proof, Occupation details | Admin manual review |
| 3 | Source of funds, PEP declaration | Admin manual review |
Feature Access Matrix
| Feature | Tier 0 | Tier 1 | Tier 2 | Tier 3 |
|---|---|---|---|---|
| View Dashboard | ✅ | ✅ | ✅ | ✅ |
| Loan Request | Preview | ✅ | ✅ | ✅ |
| Wallet (view balances) | ❌ | ✅ | ✅ | ✅ |
| Deposit Crypto | ❌ | ✅ | ✅ | ✅ |
| Withdraw Crypto | ❌ | ✅ | ✅ | ✅ |
| Submit Loan Request | ❌ | ✅ | ✅ | ✅ |
| Loan Limit | — | Standard | Higher | Maximum |
| Transaction History | ❌ | ✅ | ✅ | ✅ |
| Profile Management | ❌ | ✅ | ✅ | ✅ |
Loan Limits
Loan limits are controlled by the max_loan field on each customer record. This represents the maximum aggregate loan amount the user can hold across all active loans.
Available loan capacity = max_loan − sum(active loan amounts)- Default maximum: 300,000 THB (configurable)
- Loans exceeding 2,000,000 THB trigger manual admin review
- Customer groups can override default limits
Account Types
The platform supports two account types with different KYC requirements:
Personal Account
- Thai citizen: ID card with 13-digit validation
- Foreigner: Passport with format validation, 2 sets of identity documents
- Age requirement: 18–70 years
Business Account
- Company registration number
- Company name and address
- Articles of Association
- Certificate of Incorporation
- Authorized person documents
- Director/Shareholder identity verification
Bank Account Requirement
A verified bank account is required for:
- Receiving THB loan disbursements
- Processing cryptocurrency withdrawals
Bank account verification includes:
- Bank name, account name, account number
- Book bank photo upload
- Admin verification
Status tracked separately via bank_account_status (independent from KYC tier).
KYC Status Tracking
| Status | Meaning |
|---|---|
pending | Documents submitted, awaiting review |
approved | Verified, tier upgraded |
revision_requested | Admin requested document resubmission |
rejected | KYC rejected with reason |
User is notified via email and in-app notification for all status changes.