Version: 2.0 | Last Updated: April 2026

Overview

Yativo provides a comprehensive identity verification system for both individuals (KYC) and businesses (KYB). You can verify your customers using either:

• API Submission — programmatically submit all customer data and documents
• Hosted KYC/KYB Links — redirect your customers to a Yativo-hosted verification page

Every customer must complete verification before they can use Yativo payment services (virtual accounts, payouts, deposits, etc.). After successful KYC/KYB, customers receive endorsements that unlock specific payment rails (e.g., SEPA, SPEI, USD Base).

Verification Flow

1. Create a Customer  →  POST /customer
2. Submit KYC or KYB  →  POST individual-kyc/submit  OR  POST business-kyc/submit
3. Check Status        →  GET /customer/kyc/{customer_id}
4. Customer Approved   →  Endorsements activated, payment rails available

Authentication

All API requests require a Bearer token. Generate one by authenticating with your Account ID and App Secret (found in your Yativo Dashboard under Developer).

Generate Token

POST {{baseUrl}}/auth/login
Content-Type: application/json

Request Body

{
  "account_id": "your_account_id",
  "app_secret": "your_app_secret"
}

Response

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": {
    "access_token": "eyJ0e........................",
    "token_type": "bearer",
    "expires_in": 600
  }
}

⚠️ Tokens expire after 600 seconds (10 minutes). Include the token in all subsequent requests: Authorization: Bearer eyJ0e........................