Short Answer
Below are the required documents for individual customers globally (KYC):
National ID – Primary proof of identity.
Bank Statement – Must show at least one transaction, not older than 3 months, and the name must exactly match the National ID.
Passport – Required in some cases (e.g., cross-border, non-residents).
Liveness Check – Real-time selfie verification to match ID photo.
Long Answer – Individuals
National ID
What it is: Official government-issued identity document verifying name, date of birth, and nationality.
Examples: National ID Card, Aadhaar (India), NRIC (Singapore), Emirates ID (UAE), Social Security Card/State ID (US), depending on jurisdiction.
Bank Statement
What it is: Confirms customer’s financial account and address linkage.
Requirements:
Must include at least one recent transaction.
Must not be older than 3 months.
Name must match exactly with the National ID.
Where to obtain: Directly from the customer’s bank.
Passport
What it is: International travel document that can serve as identity verification.
When required:
For cross-border transactions.
For non-resident customers.
Where National ID is insufficient or not issued.
Liveness Check
What it is: Biometric verification ensuring the individual presenting the document is the same person on the ID.
Methods:
Real-time selfie compared with ID photo.
Anti-spoofing / liveness detection technology.
Video KYC or equivalent digital verification.
Submission Notes – KYC (Global)
Certification: Documents must be clear, valid, and legible. Where required, notarized or certified copies must be submitted.
Format: Clear scanned PDF/image files.
Retention: Documents retained for at least 5 years after the relationship ends, per global AML standards (FATF).