Guide for the business client. It describes the entire process from start to finish: what it is, why it’s needed, what you do in your account, and what your users see.
Briefly
This is a way to split identity verification into two stages over time:
- Questionnaire — a lightweight form during registration (onboarding). The user enters only their name and (optionally) date of birth. No document uploads, no selfies, no “liveness” check. Takes a few seconds.
- Full KYC — a regular verification with documents and a selfie, which you initiate later (for example, at the first withdrawal). It may happen months or years after the questionnaire.
When a person completes full KYC, the system automatically cross-checks the data from their documents against what they provided in the questionnaire at the first step. If the data do not match, the verification will fail.
Why this is needed
Full upfront document verification scares away new users and leads to drop-off during onboarding. A two-step flow removes this barrier: at the start, a person fills out a simple form, and only goes through full verification when it’s really needed (for example, when withdrawing funds). At the same time, you retain the guarantee that the documents at the second stage belong to the same person who filled out the form.
How it all works
Этап 1 (онбординг) Этап 2 (позже, напр. при выводе)
┌─────────────────┐ ┌───────────────────────────────┐
│ Анкета: │ │ Полный KYC: документы, селфи │
│ ФИО + дата │ ───────▶ │ + сверка с данными анкеты │
│ рождения │ связка │ ▸ совпало → хорошо │
└─────────────────┘ │ ▸ не совпало → отказ │
└───────────────────────────────┘The stages are linked to each other: when creating a link to the full KYC, you specify exactly which questionnaire the data should be checked against.
What do you do in your personal account
Everything described below is in your account, in the «KYC/AML» section (an item in the left menu). Inside it are the tabs: «KYC Logs», «KYC Reports», «KYC Editor», «KYC Links» and «Questionnaires».
Step 1. Set up the questionnaire
Where to click: «KYC/AML» → tab «KYC Editor» → open the required scenario (or click «Create scenario») → in the «Stages» block click the «Add questionnaire step» button.
The questionnaire step card has two fields:
- «Full name» (Full name) — always enabled, cannot be disabled (without a name, second-stage verification is impossible).
- «Date of birth» — toggle: can be enabled or disabled.
The questionnaire step is a separate scenario: when added, it replaces the other steps (documents and selfies are not used in the questionnaire), and the full KYC is configured with its own scenario. After configuration, save the scenario.
Step 2. Provide a link to the form (Stage 1)
Where to click: “KYC/AML” → tab “KYC Links” → block “One-time link generation” → in the “For which scenario” field select a scenario with a questionnaire → specify the validity period and quantity → button “Generate links”.
You distribute the ready link to your users — during onboarding, in an email, in your service’s interface. A person opens the link, fills out the form, and immediately sees a success screen.
After completing the questionnaire, your system receives a notification of its completion along with the entered data. If necessary, you can configure the transmission of only the status (without personal data) or enable encryption of the transmitted data.
Step 3. View completed forms
Where to click: «KYC/AML» → tab «Questionnaires».
Questionnaires are collected in a separate «Questionnaires» tab (they are not mixed with regular checks). At the top are the filters «Search by status» (All / Pending / Success), «Search by value» and «Search by date». For each questionnaire, the table shows:
- Full name and Date of birth — what the person entered;
- Status — «success» (survey completed) or «pending» (not completed, abandoned halfway);
- Created — date and time;
- Client user — the user ID, if you passed it;
- Related sessions — links to full second-stage checks where this questionnaire was used (if there hasn’t been a second stage yet — empty; it may appear years later);
- button “JSON” — view the full form entry.
Step 4. Create a link to the full KYC and associate a questionnaire with it
Where to click: «KYC/AML» → the «KYC Links» tab → the same block «Generation of one-time links» → select the standard KYC scenario and quantity 1 → an optional field «Link a questionnaire record (optional)» will appear → select the required questionnaire → the «Generate links» button.
When it’s time for a full verification (for example, when a user withdraws funds), you create a standard KYC link and specify which questionnaire to compare the data against. The selected questionnaire is bound to the link, and during the verification process the system will check the document data against it.
Step 5. See the connection between the questionnaire and the check
Where to click: «KYC/AML» → tab «KYC Reports» → open the second-stage verification.
If a questionnaire is linked to the inspection, the “Questionnaire” block (step zero) is shown at the top:
- on the left — questionnaire data: Full name, Date of birth, Questionnaire session ID;
- on the right — match result: «Matched», «Name matched», «Date of birth matched» (or «Awaiting verification» / «Not checked», if the check hasn’t been performed yet).
Links work both ways: clicking the questionnaire session ID opens it in the “Questionnaires” tab; and vice versa — from the “Questionnaires” tab, the “Related sessions” column leads to the required check.
The «Forms» tab and the «Link a form entry (optional)» field appear only after you have at least one form link. Until you start using the two-step process, these elements are not visible in the dashboard.
What your user sees
At the first stage (questionnaire)
- The form opens immediately, with no splash screen and no long loading time.
- You need to enter your full name and, if you have enabled this field, your date of birth.
- After pressing the button — an immediate success screen. There are no email or SMS confirmation codes in the current version.
Possible error messages at this step:
| What happened | What the user will see |
|---|---|
| The full name has fewer than two words or more than 200 characters | Please enter your name correctly (at least two words) |
| Age outside the range of 14–100 years | A message stating that the service is available for ages 14–100 years |
At the second stage (full KYC)
The user goes through your standard KYC verification (documents, selfie, etc. — as you have it configured). After successful completion, the system without the user noticing compares the document data with the questionnaire:
- name — matched by words, allowing for different spelling/keyboard layout (no character-by-character match required);
- date of birth — must match exactly.
Reconciliation results at the second stage
| Result | What it means | What is shown to the user |
|---|---|---|
| Matched | The name and date of birth from the documents match the questionnaire | Verification successful |
| Data did not match | The name and/or date of birth differ from the questionnaire | Rejected: the data in the documents do not match what was previously provided |
| Questionnaire not found | The linked questionnaire does not exist or belongs to another account | Rejected: questionnaire not found |
| Questionnaire not completed | The linked questionnaire was started but not completed | Rejected: you need to complete the questionnaire first |
In case of a mismatch, the user is not informed which specific field did not match (name or date) — they see a general message about the data mismatch.
