KYC Reliance using Sumsub

Reuse existing Sumsub KYC data to eliminate redundant user verification

KYC Reliance using Sumsub allows partners to reuse their existing Sumsub KYC data with Transak, eliminating the need for users to complete verification again.

Problem Statement

Traditional integration flows require users to complete KYC verification separately for each platform, creating unnecessary friction and delays in the user journey.

Here are some of the key challenges with duplicate KYC processes:

Redundant verification

Users must repeat KYC verification even though they’re already verified on partner platform.

Slower onboarding

Additional KYC steps significantly delay user onboarding and increase time to first transaction.

Poor user experience

Users are frustrated by having to upload documents and complete verification multiple times.

Lower conversion rates

Duplicate KYC requirements create drop-off points that reduce user conversion and activation.

Our Solution

KYC Reliance allows partners to share their existing KYC data with Transak using Sumsub, eliminating duplicate verification and creating a seamless one-click onboarding experience.

Here are some of the key benefits of the KYC Reliance solution:

Instant Onboarding

Onboard verified users to Transak in under a minute without additional verification.

No Repeat KYC

Users leverage their existing KYC verification without re-uploading documents or repeating checks.

Secure Data Sharing

Self-serve, secure integration through Sumsub’s token-based KYC data sharing.

Higher Conversion

Eliminate KYC friction to significantly improve user activation and conversion rates.

How does it work?

Mandatory Fields

For seamless user onboarding, ensure the following fields are validated in Sumsub and included in the shared token:

Field	Validation	Valid Format
First Name	1 to 50 characters	John
Last Name	1 to 50 characters	Doe
Date of Birth (DOB)	Age 18–150 years	dd/mm/yyyy, dd-mm-yyyy, dd.mm.yyyy
Mobile Number	Valid number with + and country code	+11234567890, +919876543210
Address Line 1	1 to 200 chars, at least one alphabetic, valid postcode format	123 Main Street, 2nd Avenue
Address Line 2	Optional, 1 to 200 chars	—
City	1 to 50 characters	Austin
State	1 to 100 characters	Texas
Post Code	Valid postcode	45123
Country Code	Valid country code	FRA, IND
ID Document	Valid supported country document	Passport, Driver’s License, Residence Permit, ID Card
Advanced Liveliness	Valid live selfie	Live selfie

How to integrate?

Sumsub Configurations

Dashboard

Log in to Sumsub Dashboard

Access your Sumsub account at cockpit.sumsub.com.

Create Application Level

Go to Integrations → Application Levels → Individual, click Create Level, and name it Transak KYC Reliance (or use your preferred identifier).

Configure Required Documents

Enable Identity document and Selfie verification types. Ensure all document types and selfie options are properly configured.

Donor Access Token

Request Donor Access Token From Transak

Partners need to share their respective email IDs with Transak to receive the donor access token via a secure link.

Log in to Sumsub Dashboard

Access your Sumsub account at cockpit.sumsub.com.

Navigate to Reusable Identity → Partners

Go to the Partners section in your Sumsub dashboard.

Add Recipient

Click Add Recipient and enter the donor token provided via secure link in the pop-up.

Integration Options

API

Web

Mobile WebView

Whitelabel API

Integrate our APIs in your backend to build a fully custom UI and user journey.

Integration Steps

Log in to Sumsub Dashboard

Access your Sumsub dashboard at cockpit.sumsub.com and open your project.

Retrieve Applicant ID

Retrieve your APPLICANT_ID (e.g., 665xxxxxxxxxxxx6a0) from the dashboard.

User Flow Demo

Email Verification

Enter your email address and verify using the OTP sent to your inbox. Proceed upon successful verification.

KYC Data Fetching

The system fetches KYC data using the shared token from Sumsub.

Order Placement

Transak has secured the KYC data. The user is ready to place an order instantly.

$	curl --request POST \
>	--url https://api.sumsub.com/resources/accessTokens/shareToken \
>	--header 'content-type: application/json' \
>	--data '{
>	"applicantId": "APPLICANT_ID",
>	"forClientId": "transak",
>	"ttlInSecs": "600"
>	}'

$	curl --request POST \
>	--url https://api-gateway-stg.transak.com/api/v2/auth/session \
>	--header 'accept: application/json' \
>	--header 'access-token: YOUR_ACCESS_TOKEN' \
>	--header 'authorization: YOUR_USER_AUTH_TOKEN' \
>	--header 'content-type: application/json' \
>	--data '{
>	"widgetParams": {
>	"apiKey": "YOUR_API_KEY",
>	"referrerDomain": "yourdomain.com",
>	"kycShareTokenProvider": "SUMSUB",
>	"kycShareToken": "eyJhbGciOiJub25lIn0..."
>	}
>	}'

$	curl --request POST \
>	--url https://api.sumsub.com/resources/accessTokens/shareToken \
>	--header 'content-type: application/json' \
>	--data '{
>	"applicantId": "APPLICANT_ID",
>	"forClientId": "transak",
>	"ttlInSecs": "600"
>	}'

$	curl --request POST \
>	--url https://api-gateway-stg.transak.com/api/v2/auth/session \
>	--header 'accept: application/json' \
>	--header 'access-token: YOUR_ACCESS_TOKEN' \
>	--header 'authorization: YOUR_USER_AUTH_TOKEN' \
>	--header 'content-type: application/json' \
>	--data '{
>	"widgetParams": {
>	"apiKey": "YOUR_API_KEY",
>	"referrerDomain": "yourdomain.com",
>	"kycShareTokenProvider": "SUMSUB",
>	"kycShareToken": "eyJhbGciOiJub25lIn0..."
>	}
>	}'

Problem Statement

Our Solution