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  • KYC Levels
  • Key Factors for KYC Level Classification
  • KYC Country
  • Documents Required
Guides

Transak Different KYC Levels

Understand Simple, Standard, and Enhanced KYC tiers and how to route users through each flow
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How to Track Order Status

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How to Submit FCA Requirements (For UK Users only)

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Transak offers a multi-level KYC structure to balance user convenience with regulatory compliance. Each level is designed for a different type of user, from someone making a quick low-value purchase to an institution moving large amounts.

The Multi-level KYC are:

  1. Level 1 — Light KYC
  2. Level 2 — Standard KYC
  3. Level 3 — Enhanced KYC

KYC Levels

KYC LevelPurposeTransaction LimitsOnboarding Time
Level 1: Light KYCQuick onboarding for low-value transactions$10 to $200Around 30 seconds
Level 2: Standard KYCHigher limits for everyday Web3 use casesUp to $25,000Around 10 minutes
Level 3: Enhanced KYCHigh-value transactions and institutional accessUp to $75,000Up to 1 day

Key Factors for KYC Level Classification

Key FactorDescription
KYC CountryThe country selected by the user in their address document
Transaction LimitsBased on payment method, product type, fiat currency, and transaction amount
Time Based LimitsDaily, monthly, and yearly caps applied on top of per-transaction limits
Risk Engine EvaluationInternal risk engine prompts Standard KYC when initial checks are not satisfied
Fiat and Payment MethodSome fiat and payment method combinations are not allowed under Light KYC and trigger Standard KYC

KYC Country

Some countries are not eligible for Light KYC due to local compliance requirements. You can check which countries support Light KYC using the Get Countries API. The isLightKycAllowed flag in the response tells you whether Light KYC is available for that country.

Documents Required

Different KYC levels need different documents. The table below shows what is collected at each level.

DocumentLightStandardEnhanced
NameYesYesYes
Phone NumberYesYesYes
Date of BirthYesYesYes
AddressYesYesYes
CountryYesYesYes
SSN (US only)YesYesYes
ID Verification (Photo)NoYesYes
Live SelfieNoYesYes
Additional Documents (Proof of income, source of funds, etc.)NoNoYes