🪪KYC and Reusable KYC

KYC requirements are set by payment providers and can depend on the user's identity, region, amount, asset, payment method, and previous activity.

Reusable KYC

Reusable KYC lets a signed-in user complete verification through Coindisco's Sumsub flow and reuse that completed verification with supported providers.

A provider is shown as Reusable KYC only when:

• the user's Coindisco KYC is completed;

• KYC sharing is enabled and ready for that provider;

• the required provider integration is configured.

When the user continues with an eligible offer, Coindisco can pass a KYC sharing token or use the provider's supported identity-import flow.

Reusable KYC reduces repeated checks but does not guarantee that a provider will never request more information. The provider remains responsible for its final compliance decision.

Simplified KYC

Simplified KYC identifies combinations for which a provider may require fewer verification steps. Eligibility is evaluated using the provider, asset, payment method, region, and a maximum USD-equivalent amount.

Used before

Used before means that the user has completed a previous transaction with the provider. It is a separate signal from Reusable KYC and Simplified KYC.

Smart KYC filtering

When supported by the client, a Smart KYC filter can include offers that meet at least one of these conditions:

• reusable Coindisco KYC is ready;

• the provider was used before;

• the quote qualifies for simplified KYC.