KYC Tiers & Fields
Background
Breeze uses a tiered KYC model where different levels of verification may be required over time. Each tier represents a progressively more detailed level of identity verification.
This approach allows most users to start with a lightweight verification experience while enabling additional checks when needed to maintain security, compliance, and trust across the ecosystem. By scaling verification requirements progressively, Breeze reduces unnecessary friction during onboarding while ensuring appropriate safeguards are applied as accounts evolve.
If a user’s KYC is rejected at any tier, they will be blocked from completing payouts. See KYC Rejection for more details.
When Is Each Tier Required?
Breeze uses a risk-based model to determine the required KYC tier at the point of a payout. The primary factors include the payout method being used and certain risk and compliance indicators associated with the customer’s activity.
Payout method minimums:
| Payout Method | Minimum Tier |
|---|---|
| Card (FIAT) | Tier 1 |
| Bank Transfer (FIAT) | Tier 1 |
| Crypto | Tier 2 |
Beyond the payout method, Breeze may require a higher tier as a customer’s activity evolves. When this happens, the user will be prompted at the point of their next payout attempt.
Information that is collected
Breeze collects the same set of information for both Tier 1 and Tier 2. The tier required for a given payout is determined by the payout method and risk factors described in the section above, not by the fields collected.
| Fields | Type | Description |
|---|---|---|
string | Email of the user | |
| firstName | string | Max length 100 |
| middleName | string | Max length 100 |
| lastName | string | Max length 100 |
| dateOfBirth | string | In YYYY-MM-DD format. Must be a past date, no more than 150 years ago. |
| phoneNumber | string | Max length 20. For United States, use either XXXXXXXXXX, 1XXXXXXXXXX or +1XXXXXXXXXX format. |
| taxId | string | Government-issued tax identifier. For United States, provide the Social Security Number (SSN). For other countries, provide the equivalent national tax identification number. |
| address | Object | See details on the nested fields in the rows below with prefix address. |
| address.line1 | string | Sub-field of address object. Max length 255. |
| address.line2 | string | Sub-field of address object. Max length 255. |
| address.city | string | Sub-field of address object. Max length 100. |
| address.state | string | Sub-field of address object. For United States, use either the Two-Letter State Abbreviations format or the ISO-3166-2 format. |
| address.postalCode | string | Sub-field of address object. For United States, use either the 5-digit format (XXXXX) or the ZIP+4 format (XXXXX-YYYY). |
| address.country | string | Sub-field of address object. In ISO 3166-1 alpha-2 format. |
| document | object | Document components |
| document.type | string | Document Type: Drivers License = "dl" Identification Card = "id" Passport = "pp" Passport Card = "ppc" Permanent Residence Card = "pr" Work Permit = "wp" |
| document.frontImageUrl | string | Front Image url |
| document.backImageUrl | string | Back Image url. Optional for passport (”pp”) |
| document.documentNumber | string | Document number of the document. For example, document number would be the passport number for passport document |
API submission limitation: Most fields can be pre-supplied via the Customer Onboarding API. However,
taxId(SSN) is the exception — it cannot be passed via API and must always be collected from the user via the hosted KYC form. Supplying all other fields will pre-fill the form but will not skip it.
Note
Recommended document types:
- Drivers License = "dl"
- Identification Card = "id"
- Passport = "pp"
- Passport Card = "ppc"
- Permanent Residence Card = "pr"
- Work Permit = "wp"
Other supported document types:
- Certificate of Citizenship = "cct"
- Consular Id = "cid"
- Immigration Visa = "visa"
- Residence Permit = "rp"
- Municipal Id = "munid"
- Australia Keypass Id = "keyp"
- Canada Health Insurance Card = "hic"
- Colombia Foreigner Id = "foid"
- India Permanent Account Number Card = "pan"
- Japan MyNumber Card = "myn"
- Philippines National Bureau of Investigation Certificate = "nbi"
- Philippines Social Security System Card = "sss"
- Philippines Unified Multi Purpose Id = "umid"
- Philippines Overseas Foreign Worker Card = "ofw"
- Philippines Postal Identification Card = "pid"
- Russia Internal Passport = "ipp"
- Singapore Long Term Visit Pass = "ltpass"
- Singapore National Residency Id = "nric"
- Us Refugee Travel Document = "td"
Updated about 1 month ago