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Digital banks and fintechs are required by regulators to apply proportionate due diligence: lower limits for lightly-verified customers, higher limits as verification deepens. Youverify’s entity model makes this natural — you create the entity once, run each verification tier against the same ent_… ID, and the risk score tightens as the profile fills out. No duplicate records, no reconciliation work. This guide shows you how to implement a four-tier KYC flow — from email or phone only through to biometric liveness and address verification — and how to use webhooks and risk score thresholds to automate tier upgrades.

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What tiered KYC looks like

Tier 0

Email or phone onlyLowest transaction limits. Entity created with minimal data. AML screen runs automatically at creation.

Tier 1

Government ID matchBVN, NIN, National ID, or equivalent. Identity verified against authoritative registry. Medium limits unlocked.

Tier 2

Biometric liveness + document captureCustomer passes a liveness check and captures their ID document. Higher limits unlocked.

Tier 3

Address verificationPhysical or digital address confirmed. Full limits unlocked.

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Prerequisites

  • A Youverify account at cowork.youverify.co
  • Your API secret key (server-side calls) and public merchant key (SDK/client-side calls)
  • Webhooks configured to receive verification completion events
  • Risk score thresholds configured in the dashboard under Settings → Risk Scoring

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Steps

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The tier progression at a glance

Configure risk score thresholds in the dashboard under Settings → Risk Scoring to automate tier assignments. When an entity’s score crosses a threshold — downward (safer) or upward (riskier) — the platform can trigger an AI-agent workflow to approve, restrict, or escalate without manual intervention.

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What’s next