Phase 3: Verification Process Verification is the MOST CRITICAL phase. Without APPROVED verification, customers CANNOT be activated.
Verification Levels Level Approver Customer Type TENANT_VERIFIEDTenant Admin Standard/Low-risk POWER_TENANT_VERIFIEDPower Tenant (Sonnect) High-risk
High-risk customers (PEP, high-risk countries, etc.) require POWER_TENANT approval which may take 1-3 business days.
Step 1: Initiate Verification Endpoint: POST /api/v2.1/customer/individual/{customerId}/verification/initiateHeaders: X-Tenant-Id : 97e7ff29-15f3-49ef-9681-3bbfcce4f6cd Authorization : Bearer {customer-jwt-token}
Status: 200 OK{ "code" : 200 , "message" : "Verification initiated successfully" , "data" : { "verificationId" : "verif-880e8400-e29b-41d4-a716-446655440030" , "customerId" : "cust-550e8400-e29b-41d4-a716-446655440010" , "status" : "IN_PROGRESS" , "level" : "ENHANCED" , "requiredDocuments" : [ "GOVERNMENT_ID" , "PROOF_OF_ADDRESS" , "SOURCE_OF_FUNDS" , "PEP_DECLARATION" , "BENEFICIAL_OWNERSHIP" ], "verificationTypes" : [ "IDENTITY_VERIFICATION" , "DOCUMENT_VERIFICATION" , "ENHANCED_DUE_DILIGENCE" , "SANCTIONS_CHECK" ], "startedAt" : "2026-01-13T12:00:00.000Z" , "dueDate" : "2026-01-16T12:00:00.000Z" , "priority" : "HIGH" } }
Step 2: Submit Verification Documents Endpoint: POST /api/v2.1/customer/individual/{customerId}/verificationRequest Body (Identity Verification): { "verificationType" : "IDENTITY" , "verificationData" : { "documentType" : "PASSPORT" , "documentNumber" : "AB1234567" , "issuingCountry" : "US" , "issuingAuthority" : "U.S. Department of State" , "issueDate" : "2020-01-15" , "expiryDate" : "2030-01-14" , "selfieImage" : "data:image/jpeg;base64,/9j/4AAQSkZJRg..." , "documentFrontImage" : "data:image/jpeg;base64,/9j/4AAQSkZJRg..." , "documentBackImage" : "data:image/jpeg;base64,/9j/4AAQSkZJRg..." , "additionalData" : { "hologramPresent" : true , "chipPresent" : true , "biometricData" : true } } }
Status: 200 OK{ "code" : 200 , "message" : "Verification submitted successfully" , "data" : { "verificationId" : "verif-880e8400-e29b-41d4-a716-446655440030" , "status" : "PENDING_REVIEW" , "submittedAt" : "2026-01-13T12:30:00.000Z" , "reviewedBy" : null , "approvalRequired" : "POWER_TENANT" , "estimatedReviewTime" : "1-3 business days" , "nextSteps" : [ "Wait for power tenant review" , "You will be notified via email when review is complete" , "Additional documents may be requested if needed" ] } }
Document Types Required Documents by Verification Level Verification Type Required Documents IDENTITY_VERIFICATIONPASSPORT or GOVERNMENT_ID DOCUMENT_VERIFICATIONPROOF_OF_ADDRESS ENHANCED_DUE_DILIGENCESOURCE_OF_FUNDS, BENEFICIAL_OWNERSHIP, PEP_DECLARATION SANCTIONS_CHECKAll above documents
Document Specifications Document Type Accepted Formats Max Size PASSPORT PDF, JPEG, PNG 5 MB GOVERNMENT_ID PDF, JPEG, PNG 5 MB PROOF_OF_ADDRESS PDF, JPEG 5 MB SOURCE_OF_FUNDS PDF 10 MB PEP_DECLARATION PDF 5 MB
Step 3: Check Verification Status Request
Response - Approved
Response - Pending
Endpoint: GET /api/v2.1/verifications/{verificationId}Headers: Authorization : Bearer {jwt-token}
Status: 200 OK{ "code" : 200 , "message" : "Verification status retrieved successfully" , "data" : { "verificationId" : "verif-880e8400-e29b-41d4-a716-446655440030" , "customerId" : "cust-550e8400-e29b-41d4-a716-446655440010" , "status" : "APPROVED" , "type" : "IDENTITY_VERIFICATION" , "level" : "POWER_TENANT_VERIFIED" , "startedAt" : "2026-01-13T12:00:00.000Z" , "submittedAt" : "2026-01-13T12:30:00.000Z" , "reviewedAt" : "2026-01-14T10:00:00.000Z" , "approvedAt" : "2026-01-14T10:00:00.000Z" , "reviewedBy" : "power-tenant-admin-id" , "completedAt" : "2026-01-14T10:00:00.000Z" , "expiresAt" : "2027-01-14T10:00:00.000Z" , "submittedDocuments" : 5 , "reviewNotes" : "All documents verified. Customer identity confirmed." , "verificationHistory" : [ { "status" : "INITIATED" , "timestamp" : "2026-01-13T12:00:00.000Z" , "actor" : "system" }, { "status" : "IN_PROGRESS" , "timestamp" : "2026-01-13T12:00:00.000Z" , "actor" : "customer" }, { "status" : "PENDING_REVIEW" , "timestamp" : "2026-01-13T12:30:00.000Z" , "actor" : "customer" }, { "status" : "UNDER_REVIEW" , "timestamp" : "2026-01-14T09:30:00.000Z" , "actor" : "power-tenant-admin" }, { "status" : "APPROVED" , "timestamp" : "2026-01-14T10:00:00.000Z" , "actor" : "power-tenant-admin" } ] } }
{ "code" : 200 , "message" : "Verification status retrieved successfully" , "data" : { "verificationId" : "verif-880e8400-e29b-41d4-a716-446655440030" , "status" : "PENDING_REVIEW" , "estimatedCompletionTime" : "1-2 business days" , "submittedDocuments" : 5 , "requiredDocuments" : 5 } }
Verification Status Flow Status Descriptions Status Description INITIATEDVerification process started IN_PROGRESSCustomer submitting documents PENDING_REVIEWAll documents submitted, awaiting review UNDER_REVIEWAdmin reviewing documents APPROVEDVerification approved ✅ REJECTEDVerification rejected ❌ ADDITIONAL_INFO_REQUIREDMore documents needed
Verification Approval (Admin) Endpoint: POST /api/v2.1/verifications/{verificationId}/approveHeaders: Authorization : Bearer {admin-jwt-token} X-User-ID : admin-user-id X-User-Roles : COMPLIANCE_OFFICER
Request Body: { "adminNotes" : "All documents verified. Customer identity confirmed." , "approvedBy" : "ADMIN_USER" , "approvalReason" : "All documents verified for individual customer" }
Status: 200 OK{ "code" : 200 , "message" : "Verification approved successfully" , "data" : { "level" : "TENANT_VERIFIED" , "approvedBy" : "admin-user" , "approvedAt" : "2026-01-14T10:00:00.000Z" , "verificationId" : "verif-880e8400-e29b-41d4-a716-446655440030" , "status" : "APPROVED" } }
Next Step After verification is APPROVED, proceed to Phase 4: Consent Management .
Phase 4: Consent Management Accept mandatory consents before activation
