Enhanced Due Diligence

Create an EDD case

Initiate an Enhanced Due Diligence (EDD) case for a verified individual or business customer who needs higher activity limits:

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": []
}

Retrieve the Persona inquiry ID

Retrieve the persona_inquiry_id to pass to the Persona SDK:

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_XXXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "persona_state": "waiting",
  "compliance_checks": [],
  "compliance_decisions": []
}

API errors

❗️

Customer must be verified

The customer must be in the verified state. Otherwise the API returns a 422 error:

{
  "status": 422,
  "error_message": "Customer has not been verified",
  "message_code": "unverified_customer"
}

❗️

Duplicate case error

If the customer already has an EDD case in the waiting state, the API returns a 409 error:

{
  "status": 409,
  "error_message": "Identity verification in progress already exists",
  "message_code": "data_exists"
}

See the API reference for identity verification states and details.

Check EDD approval status

To check whether a customer's EDD is approved:

Via API:

Call GET /api/identity_verifications with the following query parameters:

• type=kyc
• method=enhanced_due_diligence
• customer_guid=<customer_guid>

Look for an entry where state is completed and outcome is passed.

Via Partner Portal:

Go to the Customers page, search for the customer, and open their profile. Under the Identity Verifications tab, locate the EDD case and check its status and compliance decision.

List all customers with EDD

Via API:

Call GET /api/customers to retrieve your customer list. For each customer, call GET /api/identity_verifications with method=enhanced_due_diligence and the customer's customer_guid. Check whether any returned entry has state: completed and outcome: passed.

For bulk reporting, export customer and verification data via the API and process it programmatically.

Via Partner Portal:

Navigate to the Customers page and review each customer's Identity Verifications tab. There is no single filter for EDD-marked customers; each customer's verifications must be reviewed individually.