KYC (Know Your Customer) is essential for verifying the identity of customers, ensuring they are who they claim to be. It’s a critical process for preventing fraud, maintaining regulatory compliance, and building trust in your business. This involves collecting and verifying a customer's personal information, often through documents like a ID card, passport or driver's license, and assessing the risk they may pose.

Subject	SubjectType	SubjectIdentifier
identity	product	kyc

JSON Attribute	Type	Required	Description
Subject	String	Required	Domain Service Name
SubjectType	String	Required	Type of Service Name
SubjectIdentifier	String	Required	Object Service (e-ktp, sim, passport, etc.)
Action	String	Required	Command Process (create, read, delete, etc.)
ResourceType	String	Required	Data Type this message
Resource	String	Required	Data Name
ResourceId	String	Required	Id data
Data	String	Required	Payload data product

Name	Data Type	M/O	Description
Phone	String	M	The user's registered mobile phone number used for communication, verification, and account identification purposes.
Email	String	M	The user's active email address, serving as a primary channel for notifications, verification links, and account recovery.
Fullname	String	M	The user's complete legal name as stated on their official identification documents.
Dob (Date of Birth)	String	M	The user's date of birth used for identity validation and age verification processes.
IdentityNumber	String	M	The user's official identification number (e.g., national ID number) obtained from their government-issued document.
UserIp	String	M	The IP address from which the user initiates the request, used for security checks, fraud analysis, and geo-location validation.
SelfieImage	String	M	A live selfie image of the user captured during verification, used for biometric analysis and face matching.
DocsImage	String	M	The image of the user’s identification document (e.g., ID card or passport) used for OCR extraction and authenticity verification.
RequestId (Use for retry partial action)	String	M	A unique identifier represented as a UUID, used to track, correlate, and reference a specific request throughout the verification or processing workflow.

Action KYC

KYC Verification
KYC Re-verification

Action Partial Process :

KYC Identity Documents
KYC Photo Liveness
KYC Face Matching

KYC Verification

{
  "Subject": "identity",
  "SubjectType": "product",
  "SubjectIdentifier": "kyc",
  "Action": "verification",
  "ResourceType": "data",
  "Resource": "data",
  "ResourceId": "data",
	"Data": {
    "Phone": "628999333222",
    "Email": "[email protected]",
    "Fullname": "UserGDAA",
    "Dob": "1980-01-01",
    "IdentityNumber": "3511000101806300",
    "UserIp": "172.22.22.22",
    "SelfieImage": "",
    "DocsImage": ""
  }
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "verification",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "verification",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-20 10:10:47",
        "created_by": "Erwin Platform test",
        "docs_image_url": "https://s3.loyalto.id/saas-product-dev/document/vv5z2sSn1763608247-a7a3acc49f291fa22e2123d212cbf045.jpg",
        "photo_image_url": "https://s3.loyalto.id/saas-product-dev/photo/dAvcYAhd1763608249-f5674a579e551432c6a0bc4b2ea4089e.jpg",
        "request_id": "060e04bf-d0f1-480d-bcff-897b0f287363",
        "risk_score": 0,
        "updated_at": "2025-11-20 10:10:54",
        "updated_by": "Erwin Platform test",
        "verification_data": [
            {
                "status": "approved",
                "type": "document"
            },
            {
                "status": "approved",
                "type": "liveness"
            },
            {
                "status": "approved",
                "type": "face_matching"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

KYC Identity Docs

{
  "Subject": "identity",
  "SubjectType": "product",
  "SubjectIdentifier": "kyc",
  "Action": "identity-docs",
  "ResourceType": "data",
  "Resource": "data",
  "ResourceId": "data",
  "Data": {
    "Phone": "628999333222",
    "Email": "[email protected]",
    "Fullname": "UserGDAA",
    "Dob": "1980-01-01",
    "IdentityNumber": "3511000101806300",
    "UserIp": "172.22.22.22",
    "DocsImage": {base64 image}
       }
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "identity-docs",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "identity-docs",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-20 10:10:47",
        "created_by": "Erwin Platform test",
        "docs_image_url": "https://s3.loyalto.id/saas-product-dev/document/vv5z2sSn1763608247-a7a3acc49f291fa22e2123d212cbf045.jpg",
        "photo_image_url": "",
        "request_id": "060e04bf-d0f1-480d-bcff-897b0f287363",
        "risk_score": 0,
        "updated_at": "2025-11-20 10:10:54",
        "updated_by": "Erwin Platform test",
        "verification_data": [
            {
                "status": "approved",
                "type": "document"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

KYC Photo Liveness

{
  "Subject": "identity",
  "SubjectType": "product",
  "SubjectIdentifier": "kyc",
  "Action": "photo-liveness",
  "ResourceType": "data",
  "Resource": "data",
  "ResourceId": "data",
  "Data": {
    "Phone": "628999333222",
    "Email": "[email protected]",
    "Fullname": "UserGDAA",
    "Dob": "1980-01-01",
    "IdentityNumber": "3511000101806300",
    "UserIp": "172.22.22.22",
    "SelfieImage": {base64 image}
  }
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "photo-liveness",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "photo-liveness",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-20 10:10:47",
        "created_by": "Erwin Platform test",
        "docs_image_url": "",
        "photo_image_url": " https://s3.loyalto.id/saas-product-dev/photo/dAvcYAhd1763608249-f5674a579e551432c6a0bc4b2ea4089e.jpg ",
        "request_id": "060e04bf-d0f1-480d-bcff-897b0f287363",
        "risk_score": 0,
        "updated_at": "2025-11-20 10:10:54",
        "updated_by": "Erwin Platform test",
        "verification_data": [
            {
                "status": "approved",
                "type": "liveness"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

KYC Face Matching

{
  "Subject": "identity",
  "SubjectType": "product",
  "SubjectIdentifier": "kyc",
  "Action": "face-matching",
  "ResourceType": "data",
  "Resource": "data",
  "ResourceId": "data",
  "Data": {
    "Phone": "628999333222",
    "Email": "[email protected]",
    "Fullname": "UserGDAA",
    "Dob": "1980-01-01",
    "IdentityNumber": "3511000101806300",
    "UserIp": "172.22.22.22",
    "SelfieImage": {base64 image},
    "DocsImage": {base64 image}
  }
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "face-matching",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "face-matching",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-20 10:10:47",
        "created_by": "Erwin Platform test",
        "docs_image_url": "",
        "photo_image_url": " https://s3.loyalto.id/saas-product-dev/photo/dAvcYAhd1763608249-f5674a579e551432c6a0bc4b2ea4089e.jpg ",
        "request_id": "060e04bf-d0f1-480d-bcff-897b0f287363",
        "risk_score": 0,
        "updated_at": "2025-11-20 10:10:54",
        "updated_by": "Erwin Platform test",
        "verification_data": [
            {
                "status": "approved",
                "type": "face_matching"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

KYC Re-Verification

{
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "reverification",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Data": {
        "Phone": "6289636021232",
        "Email": "[email protected]",
        "Fullname": "UserGDAA",
        "Dob": "1980-01-01",
        "IdentityNumber": "3511000101806300",
        "UserIp": "172.22.22.22",
        "SelfieImage": {{selfieSs}},
        "DocsImage": {{idCard}}
    }
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "reverification",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3139362d31-ca26763d-0ac9-4e4a-ad6c-740ec87b33f0",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "reverification",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-20 10:10:47",
        "created_by": "Erwin Platform test",
        "docs_image_url": "https://s3.loyalto.id/saas-product-dev/document/vv5z2sSn1763608247-a7a3acc49f291fa22e2123d212cbf045.jpg",
        "photo_image_url": "https://s3.loyalto.id/saas-product-dev/photo/dAvcYAhd1763608249-f5674a579e551432c6a0bc4b2ea4089e.jpg",
        "request_id": "060e04bf-d0f1-480d-bcff-897b0f287363",
        "risk_score": 0,
        "updated_at": "2025-11-20 10:10:54",
        "updated_by": "Erwin Platform test",
        "verification_data": [
            {
                "status": "approved",
                "type": "document"
            },
            {
                "status": "approved",
                "type": "liveness"
            },
            {
                "status": "approved",
                "type": "face_matching"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

Process Retry Action Partial

KYC Identity Docs

{
  "Subject": "identity",
  "SubjectType": "product",
  "SubjectIdentifier": "kyc",
  "Action": "identity-docs",
  "ResourceType": "data",
  "Resource": "data",
  "ResourceId": "data",
  "Data": {
    "Phone": "6289993332221",
    "UserIp": "172.22.22.22",
    "DocsImage": {{base64Image}}
  }
}

{
    "TicketId": "3334382d31-ccb029fe-3dd2-49b3-9e1f-c8fb20f32e0e",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "identity-docs",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3334382d31-ccb029fe-3dd2-49b3-9e1f-c8fb20f32e0e",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3334382d31-ccb029fe-3dd2-49b3-9e1f-c8fb20f32e0e",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "identity-docs",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-28 14:37:40",
        "created_by": "System",
        "docs_image_url": "https://s3.loyalto.id/saas-product-dev/document/0cBWRL0Y1764315460-0ed2cbd22b441a411531e936ffe37c31.jpg",
        "photo_image_url": "",
        "request_id": "89c251ad-1ee0-43cb-9d44-a7d28b773879",
        "risk_score": 1,
        "updated_at": "2025-11-28 14:37:41",
        "updated_by": "System",
        "verification_data": [
            {
                "score": 1,
                "status": "approved",
                "type": "document"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

KYC Photo Liveness

{
  "Subject": "identity",
  "SubjectType": "product",
  "SubjectIdentifier": "kyc",
  "Action": "photo-liveness",
  "ResourceType": "data",
  "Resource": "data",
  "ResourceId": "data",
  "Data": {
    "Phone": "6289993332221",
    "SelfieImage": {{base64Image}}
  }
}

{
    "TicketId": "3334382d31-15253e0b-0fff-4c5e-883f-092cfb6bf8db",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "photo-liveness",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3334382d31-15253e0b-0fff-4c5e-883f-092cfb6bf8db",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3334382d31-15253e0b-0fff-4c5e-883f-092cfb6bf8db",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "photo-liveness",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-28 14:49:06",
        "created_by": "System",
        "docs_image_url": "",
        "photo_image_url": "https://s3.loyalto.id/saas-product-dev/photo/46j2wl0i1764316146-93c67e928d9773db79b1f6f599f08640.jpg",
        "request_id": "03f8aaec-a7b7-46cc-81b9-5a7d5a495f58",
        "risk_score": 0.2194925,
        "updated_at": "2025-11-28 14:49:08",
        "updated_by": "System",
        "verification_data": [
            {
                "score": 0.2194925,
                "status": "approved",
                "type": "liveness"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

KYC Face Matching

{
  "Subject":"identity",
  "SubjectType":"product",
  "SubjectIdentifier":"kyc",
  "Action":"face-matching",
  "ResourceType":"data",
  "Resource":"data",
  "ResourceId":"data",
  "Data":{
    "Phone":"6289993332221",
    "Email": "[email protected]",
    "Fullname": "UserGDAA",
    "Dob": "1980-01-01",
    "IdentityNumber": "3511000101806300",
    "SelfieImage":{{base64Image}},
    "DocsImage":{{base64Image}}
  }
}

{
    "TicketId": "3334382d31-0596eb08-b932-46db-b1c2-7e5d48c85b3d",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "face-matching",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": null,
    "Status": "success",
    "Message": "Success request on process",
    "StatusCode": 200
}

{
    "TicketId": "3334382d31-0596eb08-b932-46db-b1c2-7e5d48c85b3d",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc"
}

{
    "TicketId": "3334382d31-0596eb08-b932-46db-b1c2-7e5d48c85b3d",
    "Subject": "identity",
    "SubjectType": "product",
    "SubjectIdentifier": "kyc",
    "Action": "face-matching",
    "ResourceType": "data",
    "Resource": "data",
    "ResourceId": "data",
    "Result": {
        "created_at": "2025-11-28 14:55:50",
        "created_by": "System",
        "docs_image_url": "https://s3.loyalto.id/saas-product-dev/document/4FzgofpW1764316550-a2402032ec2e21dc70e293f91340692f.jpg",
        "photo_image_url": "https://s3.loyalto.id/saas-product-dev/photo/yzE2NruU1764316550-9bbfe8628002d0e5c28f06d75159927b.jpg",
        "request_id": "b9c82321-55f5-43c8-b2eb-c27c69546b4e",
        "risk_score": 0.96,
        "updated_at": "2025-11-28 14:55:54",
        "updated_by": "System",
        "verification_data": [
            {
                "score": 0.96,
                "status": "approved",
                "type": "face_matching"
            }
        ],
        "verification_status": "approved"
    },
    "Status": "success",
    "Message": "Success process data(success identity verification)",
    "StatusCode": 200
}

{
  "Subject": "identity",
  "SubjectType": "product",
  "SubjectIdentifier": "kyc",
  "Action": "face-matching",
  "ResourceType": "data",
  "Resource": "data",
  "ResourceId": "data",
  "Data": {
    "RequestId": {{uuid}},
    "Phone": "628999333222",
    "Email": "[email protected]",
    "Fullname": "UserGDAA",
    "Dob": "1980-01-01",
    "IdentityNumber": "3511000101806300",
    "UserIp": "172.22.22.22",
    "SelfieImage": {base64 image},
    "DocsImage": {base64 image}
  }
}