Verify the identity of people associated with a business as part of your underwriting process. Middesk’s Know Your Customer (KYC) capability uses Socure to automatically check each associated person’s Personal Identification Information (PII) and return an approval or rejection decision based on your configured Socure risk modules.
After you sign your contract, Middesk does the following:
After Middesk provisions your account, optionally log in to the Socure portal to:
The modules available to you depend on your Socure bundle and add-ons configured during setup. Only implement the modules that are enabled for your account.
If your account includes the Socure Device risk module or Document verification module, follow these steps to implement them. The Decision module works automatically if enabled.
If the Sigma Device risk module is enabled for your account, you can link a device to a person’s identity using device fingerprinting technology. Implement one of Socure’s client-side SDKs to generate a Device Session ID. See Socure’s device fingerprinting guide to learn how to set up the SDK.
If you have this module enabled, include the device_session_id parameter when submitting a person to enable device risk analysis as part of your KYC check.
Use the Document Verification module to verify government-issued identity documents like passports and driver’s licenses. This optional module confirms the document is authentic, validates that the extracted personal information matches what you submitted, and compares the ID photo to a selfie.
To set up this module:
document_uuid."verificationLevel": 1 (see the Socure DocV SDK reference for implementation details).To use document verification in your initial KYC order, include the document_uuid from Socure’s SDK when you create or update a person on a business.
The verification results appear in the kyc object on the person, including the document decision, extracted document data, and reason codes.
If your initial KYC check returns a risky result, you can request additional document verification by sending a PATCH request with the document_uuid to an existing person.
This runs document verification independently and returns:
kyc_step_up object on the personkyc_step_up.decision that may override the initial KYC decisionIf the Decision module is enabled for your account, it provides automated accept, reject, or refer recommendations for each person based on your risk criteria.
The API returns a decision for each person and an aggregated business-level insight based on all individual decisions.
Submit a KYC order on a business to run due diligence checks on the people associated with that business.
Create a business with the people array populated with complete PII (Personal Identification Information) for each person you want to verify.
Include {"product": "kyc"} in the orders array to request KYC verification.
Middesk verifies each person using the Socure modules configured for your account.
See the Create A Business API reference for required KYC fields and the person reference for details about the kyc response schema.
Once the KYC order completes, check the kyc object on each person for their individual decision (accept, reject, or refer) and detailed results based on your enabled modules.
You’ll also see an aggregated KYC insight at the business level in the review.tasks array that summarizes the overall risk assessment.
Middesk supports flexible ordering to match your onboarding workflow. You can run KYC checks before, after, or independently from identity verification orders.
Include a KYC order in your initial business creation request by adding {"product": "kyc"} to the orders array. Provide the business details and include complete PII for each person in the people array.
Once the KYC order completes, you can add an identity order to the same business if needed.
If you’ve already completed an identity verification, you can add KYC checks by updating the business’s people array with the individuals you want to verify.
Include their complete PII in a PATCH request to the business.