Guardline

    Onboarding Flow - KYC

    Configure and manage KYC onboarding flows for individual applicants.

    KYC Onboarding Flow

    Onboarding flows dashboard - KYC and KYB templates

    The KYC (Know Your Customer) onboarding flow in the Platform UI allows you to create, configure, and manage the verification process for individual applicants. You can customize the steps, required documents, and validation rules to match your compliance requirements.

    The main dashboard displays all onboarding templates (both KYC and KYB) in a unified view. When you edit a flow, the configuration steps and options will differ based on the flow type.

    Flow Configuration

    Creating a KYC Flow

    To create a new KYC onboarding flow:

    1. Navigate to Platform UI > Onboarding Flows
    2. Click Create New Template
    3. Select KYC as the Product Type
    4. Enter template name and description
    5. Configure the flow settings and verification steps

    Flow Templates

    Guardline provides several pre-configured KYC templates:

    TemplateDescriptionUse Case
    KYC_QUICK_ONBOARDINGSimplified verification with basic informationLow-risk individuals, fast onboarding
    KYC_FULL_ONBOARDINGComprehensive verification with enhanced due diligenceHigh-risk individuals, regulated industries

    Flow Steps

    A KYC flow typically includes the following steps:

    1. Personal Information

    Collect basic applicant data:

    • Full name
    • Date of birth
    • Nationality
    • Contact information

    2. Identity Verification

    Verify the applicant's identity using:

    • Government-issued ID (passport, driver's license, national ID)
    • Document validation (OCR, authenticity checks)
    • Selfie/liveness detection

    3. Address Verification

    Confirm the applicant's residential address:

    • Proof of address documents (utility bills, bank statements)
    • Address validation services

    4. Risk Assessment

    Automated screening and checks:

    • PEP (Politically Exposed Person) screening
    • Sanctions lists
    • Adverse media checks
    • Risk scoring

    Customization Options

    Required Fields

    You can customize which fields are required for each flow:

    • Mark fields as required, optional, or hidden
    • Add custom fields specific to your business needs
    • Configure field validation rules

    Document Requirements

    Configure which documents applicants must provide:

    • ID document types accepted
    • Document quality requirements
    • Number of documents required

    Screening Rules

    Set up automated screening parameters:

    • Risk thresholds for auto-approval
    • Countries to flag for review
    • Industry-specific watchlists

    Monitoring and Analytics

    Track the performance of your KYC flows:

    • Conversion rates — percentage of applicants who complete the flow
    • Average completion time — how long applicants take to finish
    • Drop-off points — where applicants abandon the process
    • Approval rates — percentage of applicants approved vs. rejected

    KYC Flow Editor

    KYC flow editor interface

    The visual KYC flow editor allows you to:

    • Drag and drop steps to reorder them
    • Add conditional logic based on applicant data
    • Configure automated decision trees
    • Preview the applicant experience

    Best Practices

    1. Start Simple — Begin with a quick onboarding flow and add complexity as needed
    2. Test Thoroughly — Use test mode to verify the flow works as expected
    3. Monitor Drop-offs — Identify and optimize steps where applicants abandon
    4. Balance Friction — Find the right balance between security and user experience
    5. Stay Compliant — Ensure your flow meets regulatory requirements for your jurisdiction