Registration & Onboarding

New users go through a multi-step onboarding process: account creation, email verification, terms acceptance, and KYC document submission.

Flow Overview

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1. Register Account

Route	/register
Layout	PublicLayout (no auth required)
Steps	2-step flow via stepper

Step 1 — Account Details

• Email input with format validation
• Password creation (8+ chars, requires upper, lower, number, special)
• Password confirmation
• Referral source selection (dropdown from CMS)
• Referral code (optional)
• Terms acceptance — multiple checkboxes, each opens a scrollable terms dialog. User must scroll to the bottom before accepting.

Step 2 — Email Verification

• 6-digit OTP sent to email
• 2-minute cooldown before resend is available
• On verification success → auto-login and redirect to dashboard

Existing User Path

If a returning user has not accepted updated terms, they are redirected to the terms-only flow (no re-registration needed).

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2. Accept Terms & Conditions

Route	/terms-conditions
Layout	PublicLayout

• Loads required terms from CMS (Directus)
• Each term must be opened and scrolled to the end before checkbox can be checked
• OTP verification after accepting all terms
• On success → navigate to dashboard

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3. Submit KYC Information

Route	/update-kyc
Layout	MainLayout (authenticated)

This is the primary KYC form supporting both Personal and Business accounts.

Personal Account Fields

• Citizenship type (Thai / Foreign)
• Title, first name, last name (Thai & English)
• Phone number (international format)
• Date of birth (age validation: 18–70)
• ID card or passport with expiry date
• Identity documents (ID card photo, selfie — or 2 sets for foreigners)
• Registered address (Thai citizens only)
• Current address (with "same as registered" option)
• PEP (Politically Exposed Person) status
• Occupation and workplace

Business Account Fields

• Company registration number
• Company name
• Business address
• Articles of Association / Certificate of Incorporation
• Authorized person details and director/shareholder documents

Bank Account (second panel)

• Bank name, account name, account number
• Book bank photo upload

Validations

• Thai ID: 13-digit checksum validation
• Passport: format validation
• ID/passport duplication check (calls .NET backend)
• Address cascading: Province → District → Sub-district → Postcode

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4. Upgrade KYC Tier

Route	/upgrade-kyc
Layout	MainLayout (authenticated)

Upgrade through KYC levels for higher loan limits. See KYC Tiers & Limits for tier details.

Each tier upgrade requires submitting additional documents:

Tier	Requirements	Access
0	Registration complete	Wallet only
1	ID/Passport + Selfie	Small loans
2	Address proof + Occupation	Higher limits
3	Source of funds + PEP declaration	Maximum limits

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5. Resubmit KYC

Route	/update-kyc
Layout	MainLayout (authenticated)

When admin requests a revision, the user is notified and redirected back to the KYC form to correct and resubmit.

What the user sees

• Notification banner indicating which fields need correction
• KYC form pre-filled with previously submitted data
• Flagged fields highlighted for the user to update
• Previously uploaded documents still available (no need to re-upload unless flagged)
• On resubmit → KYC status returns to pending for admin review

Revision cycle

• There is no limit on the number of revision cycles
• Each resubmission resets kyc_status to pending
• Admin can approve, request another revision, or reject at any review

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Next: Authentication →