Know Your Customer

All Noba users must complete a basic know your customer (KYC) flow. This includes the submission of basic identifying information:

  • First Name
  • Last Name
  • Date of Birth
  • Phone Number
    • Country Code
    • Phone Number
  • Social Security Number
  • Address
    • Country
    • State
    • City
    • Adress Line 1
    • Address Line 2
    • Postal/Zip Code

For non-US users, the upload of a document ID is required, which is covered in the Document Upload Guide.

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Know Your Customer Flow.

Recommended UI

As the Know Your Customer process requires the collection of multiple data points, we recommend splitting the process into two screens:

Screen 1

  • Address
    • Country
    • State
    • City
    • Adress Line 1
    • Address Line 2
    • Postal/Zip Code

Screen 2

  • First Name
  • Last Name
  • Date of Birth
  • Phone Number
    • Country Code
    • Phone Number
  • Social Security Number

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Collect user address first for a better UX

Many user restrictions are based on the residential address of the user, so we recommend collecting address information first to improve the UX and catch ineligible users swiftly.

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Selecting the country first allows the population of the "State/Region" dropdown

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Valid inputs to the address fields should activate the "Next" button

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Collecting user information after address allows to pre-set the country code. If the user is not a US resident, the social security field should be hidden.

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Valid inputs to all fields should activate the "Next" button.

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A success response from our back end should be communicated with the end user

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Non-US users will be prompted to complete a Document Upload

Due to the lack of a social security number for non-US residents, users must complete an upload of a government issued document ID. This process is covered in the next guide.

Utilized API Endpoints:

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User Logic Table Sorted by Descending Priority

Testing Cases

While building out the user interface for KYC, it is beneficial to trigger specific testing scenarios. To do so, please create users with the following email addresses to trigger the various risk scenarios. Our integration team will guide you on the recommended screens to display for specific scenarios.

Test CaseEmail Address
Low Risk[email protected]
Medium Risk[email protected]
High Risk[email protected]
Very High Risk[email protected]

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Don't forget the sessionKey!

The sessionKey created at the start of the user flow must remain consistent throughout.