Enhanced Due Diligence

You can initiate an Enhanced Due Diligence (EDD) case for a verified (individual or business) customer who wishes to have higher activity limits by using the following API request:

POST /api/identity_verifications

{  
  "type": "kyc",  
  "method": "enhanced_due_diligence",  
  "customer_guid": "customer_guid"  
}

{
  "created_at": "datetime",
  "updated_at": "datetime",
  "type": "kyc",
  "guid": "identity_verification_guid",
  "method": "enhanced_due_diligence",
  "customer_guid": "customer_guid",
  "state": "storing",
  "outcome": null,
  "failure_codes": [],
  "compliance_decisions": []
}

Next, you can retrieve the persona_inquiry_id and pass it to the Persona SDK component using the following API request:

GET /api/identity_verifications/{identity_verification_guid}

{
  "created_at": "datetime",
  "updated_at": "datetime",
  "type": "kyc",
  "guid": "identity_verification_guid",
  "method": "enhanced_due_diligence",
  "customer_guid": "customer_guid",
  "state": "waiting",
  "outcome": null,
  "failure_codes": [],
  "persona_inquiry_id": "inq_iTauhYQpWjkwcMijv92gekmCZRTH",
  "persona_state": "waiting",
  "compliance_checks": [],
  "compliance_decisions": []
}

API Errors

💡
If the customer is not in the verified state, you will get the following API error:
{
  "status": 422,
  "error_message": "Customer has not been verified",
  "message_code": "unverified_customer"
}

💡
If a customer already has an EDD case in the waiting state, attempting to create a new case will result in the following API error:
{
  "status": 409,
  "error_message": "Identity verification in progress already exists",
  "message_code": "data_exists"
}

For more details on Identity Verifications, such as state descriptions, please check out our API reference here.