KYC Requirements by Country

Overview

Every country has its own regulatory requirements for the Account Owner behind a virtual account. The Account Owner schema keeps country-specific fields optional because no single country needs all of them. When you open an account, Infinia checks that the Account Owner has every value that the account's country requires. If a value is missing or invalid, account creation is rejected.

How you meet these requirements depends on the KYC mode of the Account Owner:

KYC Mode	Who collects the data and documents	What you need to do
`HOSTED`	Infinia, through the hosted verification flow	Nothing. The hosted flow collects every value and document the country requires.
`SELF_DECLARED`	You	Send every value required for the country when you create the Account Owner. Upload each document with `Initiate Document Upload` first, and pass the returned `id` in the matching `*_document_id` field.
`EXTERNAL`	Your KYC provider (e.g. SumSub)	Configure your provider so that it collects every value required for the country and only the accepted document types. Unsupported document types are rejected at review. See Using EXTERNAL.

See Account Owners for the integration flow of each KYC mode and the document upload steps, and Account Capabilities for which Account Owners can open an account in each currency.

Base requirements

These requirements apply to every currency. With SELF_DECLARED, you send them when you create the Account Owner. With HOSTED and EXTERNAL, they are collected by the verification flow.

Individual

Field	Description
`first_name`, `last_name`	As shown on the identity document
`date_of_birth`	`YYYY-MM-DD`
`tax_id`	Number of a government-issued identity document. See Identifiers
`tax_id_country`	ISO 3166-1 alpha-2 country that issued the document
`email`	Email address
`phone_number`	With country code, e.g. `+5491133334444`
`address`	`line_1`, `city`, `state`, `postal_code`, `country` (ISO 3166-1 alpha-2); `line_2` is optional
`is_pep`	Whether the individual is a politically exposed person

Document	Accepted documents	Required
`identity_document_id`	The identity documents listed for the currency in Requirements by currency	Always
`selfie_document_id`	Selfie / liveness capture	Always
`source_of_funds_document_id`	Bank statements, payslips, tax returns	Upon EDD
`proof_of_address_document_id`	Utility bill, bank statement, government-issued letter, lease agreement	Upon EDD

Organization

Field	Description
`name`	Legal name
`date_of_incorporation`	`YYYY-MM-DD`
`tax_id`	Tax identification or registration number (e.g. CUIT, CNPJ, NIT, EIN)
`tax_id_country`	ISO 3166-1 alpha-2 country that issued the `tax_id`
`email`, `phone_number`, `address`	Same format as for individuals

Document	Accepted documents	Required
`incorporation_document_id`	Certificate of incorporation	Always
`source_of_funds_document_id`	Audited financial statements, bank statements, tax returns	Always
`proof_of_address_document_id`	Utility bill, bank statement, corporate tax notice, lease agreement	Always

Ultimate Beneficial Owners

Each entry in organization.ultimate_beneficial_owners must include all the individual fields and an identity_document_id. The identity document follows the rules of the UBO's country of nationality.

Uploading identity documents

When uploading the identity document through Initiate Document Upload, send the document_type that matches its kind:

Identity document	`document_type`
National ID cards, cédulas, State IDs and residence permits (DNI, RG, INE / IFE, RNE / CRNM, Cédula, RUN, State ID)	`NATIONAL_ID`
Passports	`PASSPORT`
Driver's licenses, including the CNH	`DRIVERS_LICENSE`

Accepted file formats are JPEG, PNG and PDF, up to 10 MB each.

Requirements by currency

Each section lists the identity documents accepted for the currency and the values it requires on top of the base requirements.

ARS (Argentina)

Identity documents: DNI, Argentine passport.

Individual

Field	Requirement
`tax_id`	DNI
`additional_tax_id`	Required for national individuals. CUIL or CUIT: 11 digits, no dashes, starting with 20, 23, 24, 27, 30, 33 or 34. It must match the DNI registered with ARCA (formerly AFIP).
`address.line_1`	Street name and number, e.g. `Av. Corrientes 1234`
`address.city`, `address.state`	Required

Individuals whose tax_id_country is not AR do not need a CUIL.

Organization

Field	Requirement
`tax_id`	CUIT: exactly 11 digits, no dashes
`name`	Legal name (razón social)
`address.line_1`	Street name and number
`address.city`, `address.state`	Required

BRL (Brazil)

Identity documents: Registro Geral (RG), driver's license (CNH), passport, residence permit (RNE / CRNM).

Individual

Field	Requirement
`tax_id`	For national individuals, the CPF: 11 digits with a valid check digit. If `tax_id` holds another document number (e.g. RG), send the CPF in `additional_tax_id`.
`date_of_birth`	The individual must be at least 18 years old
`email`	Must be a valid email address
`address.postal_code`	CEP for addresses in Brazil

Organization

Field	Requirement
`tax_id`	CNPJ for national organizations
`address.state`	Two-letter state code (UF) for addresses in Brazil, e.g. `SP`, `RJ`

MXN (Mexico)

Identity documents: INE / IFE, passport.

No fields required beyond the base requirements.

COP (Colombia)

Identity documents: Cédula de Ciudadanía, Cédula de Extranjería, passport.

No fields required beyond the base requirements.

PEN (Peru)

Identity documents: DNI, passport. Upload the DNI front and back (double_sided = true).

Field	Requirement
`tax_id`	For national individuals, the DNI: exactly 8 digits
`tax_id_country`	`PE` for national individuals
`phone_number`	Peruvian mobile number, e.g. `+51987654321`
`address.line_1`	Street name and number
`address.city`	Required
`gender`	`MALE` or `FEMALE`
`employment_status`	`EMPLOYED`, `SELF_EMPLOYED`, `STUDENT`, `HOMEMAKER` or `RETIRED`
`occupation`	Required when `employment_status` is `EMPLOYED` or `SELF_EMPLOYED`. Detailed code of the US Standard Occupational Classification 2018, e.g. `15-1252`
`employer_name`	Required when `employment_status` is `EMPLOYED`
`marital_status`	`SINGLE`, `MARRIED`, `DIVORCED` or `WIDOWED`
`spouse`	Required when `marital_status` is `MARRIED`: `first_name`, `last_name`, `tax_id`, `tax_id_country`

Politically exposed persons (is_pep = true) cannot open PEN accounts at this time.

GBP (United Kingdom) and EUR (Eurozone)

Identity documents: for GBP, passport and driver's licence. For EUR, national ID and passport.

Individual

No fields required beyond the base requirements. The tax_id_country is used as the individual's nationality and tax residency, so it must be the country that issued the identity document.

Organization

Field	Requirement
`tax_id`	Company registration number
`ultimate_beneficial_owners`	At least one UBO

BOB (Bolivia)

Identity documents: Cédula de Identidad, passport.

No fields required beyond the base requirements.

CLP (Chile)

Identity documents: Cédula de Identidad / RUN, passport.

No fields required beyond the base requirements.

PYG (Paraguay)

Identity documents: Cédula de Identidad, passport.

No fields required beyond the base requirements.

UYU (Uruguay)

Identity documents: Cédula de Identidad, passport.

No fields required beyond the base requirements.

USD (United States)

Identity documents: passport, driver's license, State ID.

No fields required beyond the base requirements.

Using EXTERNAL

With kyc_mode = EXTERNAL, Infinia imports the applicant from your KYC provider and builds the Account Owner from the verified data. Your applicant level must collect every value that the account's country requires.

Values imported from SumSub

Account Owner field	SumSub applicant data
`first_name`, `last_name`	Name on the identity document
`date_of_birth`	Date of birth
`tax_id`, `tax_id_country`	Number and issuing country of the identity document (ID card, passport, driver's license or residence permit)
`additional_tax_id`	Additional number on the identity document, e.g. the CUIL printed on the Argentine DNI
`email`	Applicant email
`phone_number`	Applicant phone
`address`	First residential address: street, town, state, postal code and country

If any of these values is missing, the Account Owner is created with status FAILED and a failure_reason naming the missing field, e.g. Verification data incomplete. Missing field: 'postal code'. An applicant rejected by the provider also results in a FAILED Account Owner.

Values from questionnaires or custom fields

Some country-specific values, such as the PEP declaration, the CUIL in Argentina or the employment and marital status in Peru, are often collected in a questionnaire or in a field such as the SumSub TIN. When a value comes from one of these sources, Infinia can configure a mapping that reads it from your field and stores it in the matching Account Owner field. Share the questionnaire and item identifiers, and the values each item can take, with your account manager.

⚠️
Configure the mapping before you send EXTERNAL Account Owners for a country that requires these values. Without it, the Account Owner is created without them and account creation in that country is rejected.