KYC & KYB Verification
Learn how to complete identity verification for individuals and businesses using Sumsub
Identity verification is a mandatory compliance step before you can access the full capabilities of the Skyline Digital platform. This tutorial explains how to create an organisation, complete Know Your Customer (KYC) verification for individuals or Know Your Business (KYB) verification for companies, and monitor your verification status.
Prerequisites
Before starting this tutorial, complete the Authentication tutorial. You will need a valid access token for all requests in this guide.
Why verification is required
Skyline Digital operates under regulatory obligations that require all users and organisations to be verified before they can create transactions, initiate payments, or access financial services. Completing verification unlocks these platform features and ensures compliance with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
Step 1: Create an organisation
The first step in the onboarding process is to create an organisation. This is the entity that will be verified and that will hold your transactions, receivers, and payment history.
Send a request to POST /organisations/create with your organisation details. Creating an organisation triggers the onboarding flow and sets the initial verification status to PENDING.
Every user must belong to an organisation to use the platform. Once the organisation is created, you can proceed to identity verification.
Step 2: Complete KYC for individuals
KYC (Know Your Customer) verification applies to individual users. The verification process is handled through Sumsub, a third-party identity verification provider. The flow works as follows:
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Request a Sumsub access token by sending a request to POST /sumsub/get-applicant-token. Set the type parameter to user. The API returns an access token that is valid for a limited time.
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Embed the Sumsub WebSDK in your application using the access token from the previous step. The WebSDK renders a verification widget where the user can upload identity documents, take a selfie, and complete any additional checks required by the verification level.
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The user completes verification within the Sumsub widget. This typically involves uploading a government-issued ID, providing proof of address, and completing a liveness check.
Once the user submits their documents through the widget, Sumsub processes the verification and notifies the Skyline API of the result via a webhook.
Step 3: Complete KYB for companies
KYB (Know Your Business) verification follows the same flow as KYC but applies to the organisation itself rather than the individual user.
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Request a Sumsub access token by sending a request to POST /sumsub/get-applicant-token. Set the type parameter to organisation and include the organisationId of the organisation you created in Step 1.
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Embed the Sumsub WebSDK using the returned access token, just as you would for KYC. The widget will present the appropriate business verification flow.
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Complete the business verification by providing company registration documents, proof of business address, and details about beneficial owners as required by the verification level.
Depending on your use case, you may need to complete both KYC (for the individual user) and KYB (for the organisation). Contact the Skyline Digital team if you are unsure which verification levels apply to your account.
Step 4: Understand verification statuses
After submitting documents through the Sumsub widget, your organisation's verification progresses through a series of statuses.
| Status | Meaning |
|---|---|
| PENDING | The organisation has been created but no verification documents have been submitted yet. This is the initial status. |
| SUBMITTED | Documents have been uploaded through the Sumsub widget and are being reviewed. Processing times vary depending on the verification level. |
| APPROVED | Verification is complete and the organisation is fully activated. You can now create receivers and initiate transactions. |
| REJECTED | Verification has failed. This may be due to invalid documents, mismatched information, or other compliance concerns. You can retry the verification process by requesting a new Sumsub access token and resubmitting. |
Step 5: Check your verification status
Sumsub sends webhooks to the Skyline API whenever a verification status changes. The API processes these webhooks automatically and updates your organisation's onboarding status. You do not need to configure or manage webhooks yourself.
To check your current verification status, send a request to GET /organisations/me. The response includes a list of your organisations, each with an onboardingStatus field that reflects the current verification state.
We recommend polling this endpoint periodically after submitting your verification documents. Once the onboardingStatus is APPROVED, your organisation is fully activated and you can proceed to set up beneficiaries.
What's next
Now that your organisation is verified, you are ready to create payment receivers (beneficiaries). Continue to the Beneficiary Management tutorial to learn how to add, list, update, and remove receivers.