Get KYC Tiers & Requirement

LedgerBlock uses KYC tiers to determine the level of user verification required before specific features and financial capabilities can be accessed.

Each tier has its own verification requirements and unlocks additional LedgerBlock and supported third-party features. A user must satisfy the requirements of a tier before accessing the capabilities available at that level.

Use this endpoint to retrieve the current KYC tiers, their verification requirements, and the features available at each tier.

KYC Tiers

Tier 1

Tier 1 establishes the user's basic identity and contact information.

Requirements

Phone
Email
Bio

LedgerBlock Features

Wallet PIN

LedgerBlock Feature Access

CRYPTO_DEPOSIT

Other Feature Access

PURCHASE_UTILITY
VIRTUAL_CARD

Tier 2

Tier 2 includes everything required in Tier 1 and introduces additional identity and financial verification.

Requirements

Valid government-issued ID
Liveliness check
NIN
BVN
Bank account details
Electronic channel indemnity

LedgerBlock Feature Access

CREATE_LOCAL_WALLET
OPEN_NGN_BANK_ACCOUNT
SEND_MONEY_GLOBALLY
WALLET_2_WALLET_TRANSFER
CURRENCY_SWAP

Other Feature Access

SHOP_ONLINE
STORE_FRONT
CARD_FUNDING

Tier 3

Tier 3 includes everything required in Tier 2 and adds additional address and international identity verification.

Requirements

Proof of address
International passport document verification

LedgerBlock Feature Access

CREATE_USD_BANK_ACCOUNT
CREATE_EUR_BANK_ACCOUNT
CREATE_GBP_BANK_ACCOUNT
CAD_FUNDING

Request

To retrieve the available KYC tiers and their requirements, send a GET request to the endpoint below.

GET {{base_url}}/api/v1/user/kyc/tiers

Request Headers

Name	Type	Description
`Authorization`*	String	`Bearer ${api_key}` — your activated merchant API key.
`x-merchant-ref`*	String	Your unique merchant reference.

Response

`200 OK`

{
  "status": "success",
  "message": "Kyc tier requirements",
  "data": {
    "tier_1": {
      "desc": "",
      "list": [
        "phone",
        "email",
        "bio"
      ],
      "ledgerblock_features": [
        "wallet_pin"
      ],
      "ledgerblock_features_access": [
        "CRYPTO_DEPOSIT"
      ],
      "others_features_access": [
        "PURCHASE_UTILITY",
        "VIRTUAL_CARD"
      ]
    },
    "tier_2": {
      "desc": "Everything in tier_1",
      "list": [
        "valid_govt_issue_id",
        "liveliness_check",
        "nin",
        "bvn",
        "bank_account_details",
        "electronic_channel_indemnity"
      ],
      "ledgerblock_features": [],
      "ledgerblock_features_access": [
        "CREATE_LOCAL_WALLET",
        "OPEN_NGN_BANK_ACCOUNT",
        "SEND_MONEY_GLOBALLY",
        "WALLET_2_WALLET_TRANSFER",
        "CURRENCY_SWAP"
      ],
      "others_features_access": [
        "SHOP_ONLINE",
        "STORE_FRONT",
        "CARD_FUNDING"
      ]
    },
    "tier_3": {
      "desc": "Everything in tier_2",
      "list": [
        "proof_of_address",
        "document_verification-internation_passport"
      ],
      "ledgerblock_features": [],
      "ledgerblock_features_access": [
        "CREATE_USD_BANK_ACCOUNT",
        "CREATE_EUR_BANK_ACCOUNT",
        "CREATE_GBP_BANK_ACCOUNT",
        "CAD_FUNDING"
      ],
      "others_features_access": []
    }
  }
}

Response Fields

Key	Type	Description
`status`	String	Indicates the result of the request.
`message`	String	Message describing the response.
`data`	Object	Contains the KYC tier definitions, requirements, and feature access.
`data.tier_1`	Object	Requirements and feature access for Tier 1.
`data.tier_2`	Object	Requirements and feature access for Tier 2.
`data.tier_3`	Object	Requirements and feature access for Tier 3.
`data.tier_*.desc`	String	Description of the tier and any requirements inherited from a previous tier.
`data.tier_*.list`	Array	Verification information required to satisfy the tier.
`data.tier_*.ledgerblock_features`	Array	LedgerBlock features associated directly with the tier.
`data.tier_*.ledgerblock_features_access`	Array	LedgerBlock capabilities that become accessible after the tier requirements are satisfied.
`data.tier_*.others_features_access`	Array	Additional supported capabilities available at the tier.

How KYC Tiers Work

KYC tiers provide a progressive verification model. As the user completes higher levels of verification, additional financial capabilities become available.

A merchant can use this endpoint to determine:

What information must be collected from a user.
What verification level the user needs for a particular capability.
Which LedgerBlock features become available at each tier.
Which additional services can be accessed after completing a tier.

For example, Tier 1 provides basic verification and access to capabilities such as wallet PIN setup and crypto deposits, while Tier 2 adds capabilities such as local wallet creation, NGN bank account opening, global transfers, wallet-to-wallet transfers, and currency swaps. Tier 3 extends access to international currency accounts and CAD funding.