Additional details

Document Types

  • GOVERNMENT_ID: PASSPORT, DRIVERS_LICENSE, NATIONAL_ID

  • PROOF_OF_ADDRESS: UTILITY_BILL, BANK_STATEMENT, RENTAL_AGREEMENT

Customer Statuses

Status
Definition

CREATED

Initial status when customer is created without KYC data

UNDER_REVIEW

KYC data submitted and being verified by providers

NEEDS_ADDITIONAL_INFORMATION

Additional documentation required to complete verification

ACTIVE

Verification approved, customer ready to transact

REJECTED

Verification rejected by providers (webhook includes rejection reasons)

DEACTIVATED

Manually deactivated by customer, provider, or Fern

Notes:

  • Crypto-to-crypto transactions are available for all customer statuses except DEACTIVATED. Fiat-related services require ACTIVE status.

  • Core customer information like first name, last name, and email address cannot be updated once set.

API-Based KYC Process

  1. Submit KYC data via API or form → Status: UNDER_REVIEW

  2. If additional info needed → Status: NEEDS_ADDITIONAL_INFORMATION

  3. Final outcome:

    • Approved → Status: ACTIVE

    • Rejected → Status: REJECTED

You can monitor status changes via API or webhooks.

Notifications

Fern notifies customers via email at each step of the verification process, handling the entire process on your behalf.

Additionally, you can use webhook events to trigger your own notifications, offering in-context guidance and next steps tailored to each customer state. (Coming soon)

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