How KYC Works?

The KYC process in ChainIT follows a structured, invite-based flow. Your organization stays in control of what gets verified and when, while the platform handles the operational mechanics of delivering tasks to customers and collecting their responses.

Process Overview

1. Set Up Configuration
2. Send Invite
3. Customer Verifies
4. Review & Decide
5. Generate Report
6. Reverify When Needed

Step 1: Set Up Your Verification Requirements

Before you can invite any customer to complete KYC, you first need to decide what verification tasks they must complete. In ChainIT, these requirements are packaged into a Configuration - a reusable template that specifies the exact checks a customer will be asked to perform.

A configuration is created once in your admin panel and can be reused for every customer in that segment. For example, you might have a standard configuration for retail customers that includes identity document verification and a liveness check, and a separate enhanced configuration for high-value customers that also includes address verification and sanctions screening.

Configurations give your compliance team control over what gets checked, without needing to specify requirements every time an individual customer is onboarded.

Step 2: Invite the Customer

Once you have selected the appropriate configuration, you send the customer a KYC invitation. The invitation is delivered by email and contains a link that guides the customer to the ChainIT mobile app, where their verification tasks are waiting.

You can optionally include documents in the invitation - for example, a data consent form or terms of service that the customer should review before completing verification. These documents are accessible to the customer directly within the app and from their record in your system.

After sending the invite, you can monitor its status, resend it if the customer did not receive it, or cancel it if the onboarding requirement no longer applies.

Step 3: Customer Completes Verification

The customer receives the invitation email and opens the ChainIT app. If they do not have the app installed, they are guided to download it. Inside the app, all the verification tasks defined by the configuration are clearly presented.

The customer works through each task, which may include uploading a photo of their identity document, completing a biometric liveness check, providing proof of address, or answering compliance-related questions. The app guides them through each step with clear instructions.

Once all tasks are submitted, the customer's verification is marked as complete and your team is notified that the record is ready for review.

Step 4: Review Verification Outcomes

Once the customer completes their tasks, their record moves from the invited list to your verified customer list. Your compliance or operations team can open the customer's detail page to review the outcome of each individual task, the information they submitted, and the overall compliance status.

The platform also provides access to the full audit ledger for each customer, which records every action taken during the KYC process to track who performed it, what was done, when it happened, and where it originated from. This 4W audit data is what makes ChainIT KYC records suitable for regulatory inspections.

Step 5: Generate a KYC Report

Once you are satisfied with the verification outcome, you can generate a downloadable KYC report directly from the customer's record. The report consolidates all verification results, the compliance determination, and the audit trail into a single document.

KYC reports are used for internal compliance records, submitted to regulators during audits, shared with counterparties as evidence of due diligence, or archived alongside other customer documentation. Reports can be generated at any point after verification is complete.

Step 6: Handle Reverification When Required

KYC is not always a one-time event. Regulations, risk policies, and changes in customer circumstances can all require a customer to be re-verified. ChainIT supports this through a built-in reverification system that lets you trigger targeted re-checks without requiring the customer to go through full onboarding again.

 

You select the specific checks that need to be repeated - for example, just a document refresh or just a renewed sanctions screening so the customer is notified through the app to complete those tasks. You can track the reverification progress exactly as you would the original verification.

What KYC Gives Your Organization

Capability	What It Means for You
Configurable verification templates	You decide what gets checked for each customer type. No hard-coded verification flows.
Invite-based customer journey	Customers are guided through verification via email and the ChainIT app with no development required on your end.
Real-time invite tracking	See exactly which customers have completed verification, who is pending, and who needs a follow-up.
Full audit trail (4W data)	Every action in the KYC process is logged with Who, What, When, and Where — making your records audit-ready at all times.
Downloadable compliance reports	Generate a PDF report for any customer at any time, containing all verification outcomes and audit data.
Ongoing reverification support	Trigger re-verification for specific checks without re-onboarding the customer from scratch.