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

KYC Verification refers to the complete end-to-end identity verification process that evaluates the authenticity of a user’s information. The full flow typically includes identity document capture, data extraction, selfie submission, liveness detection, biometric comparison, document validation, and risk scoring.

==form data==

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

KYC Identity Document refers to the collection, extraction, and validation of official identity documents such as national ID cards, passports, or driver’s licenses.

==form data==

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

KYC Photo Liveness is the process of determining whether the user providing a selfie is a real, live individual rather than a photograph, screen, video, or digital spoof.
Liveness detection may use:

active liveness (requiring user actions such as blinking or moving), or
passive liveness (detecting life signs from a single captured image).

It ensures biometric integrity and prevents identity fraud during selfie capture.

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

KYC Face Matching is the biometric comparison process that evaluates the similarity between the user’s selfie and the face image extracted from their identity document or previously stored biometric data.
The system generates a similarity score and determines whether the faces match or do not match.
This step confirms that the person undergoing verification is the rightful owner of the submitted identity document and helps prevent impersonation.

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

KYC Re-Verification is the process of revalidating a user’s identity after their initial verification has been completed. This is performed when:

the identity document has expired,
the user updates their personal information,
suspicious account activity is detected, or
periodic re-authentication is required for compliance or security reasons.

Re-verification typically re-runs only the critical verification steps (e.g., new selfie, liveness check, or updated document upload) without executing the full KYC flow from scratch.

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}}}