KYC · 客户准入

Asynchronous workflow that drives individual customer onboarding: register the customer, start the workflow, poll for status, and submit data for each waiting node.

流程概览

Standard KYC workflow:

Register the customer.
Start the workflow.
Poll status until a node is waiting.
Submit node data (OCR / particular / liveness / OTP / forms).
Workflow completes or routes to manual review.

1. 注册客户

Endpoint: workflow.applicant.register (POST).

{
  "customerId": "C_abc123",
  "email": "john@example.com"
}

At least one of customerId or email is required. This API is idempotent.

2. 启动工作流

Endpoint: workflow.apply.submit (POST).

{
  "eventType": "KYC_EVENT",
  "source": "API",
  "data": {
    "customerId": "C_abc123",
    "referenceId": "onboarding-uuid-001"
  }
}

3. 轮询状态

Endpoint: workflow.execution.status (POST).

{ "executionId": "exec-abc123def456" }

状态	含义	Action
`RUNNING`	Executing, no node waiting	Continue polling (2–5 sec)
`WAITING`	Node waiting for input	Read `currentNode`, submit data
`COMPLETED`	Workflow finished	Stop polling, read result
`FAILED`	Execution failed	Stop polling, contact support
`TIMEOUT`	Exceeded time limit	Stop polling, contact support
`CANCELLED`	Execution cancelled	Stop polling

4. 提交节点数据

When status is WAITING, dispatch on currentNode.nodeType:

`nodeType`	API	Purpose
`flow_action_identity_document`	`workflow.kyc.ocr`	Upload ID, get OCR result
`flow_action_individual_particular`	`workflow.kyc.particular.data`	Submit personal info
`flow_action_liveness_test`	`workflow.kyc.liveness.data`	Submit liveness status
`flow_action_validate_email`	`workflow.kyc.otp.send`/`verify`	Email OTP
`flow_action_validate_phone`	`workflow.kyc.otp.send`/`verify`	Phone OTP
`flow_action_individual_required_document`	`workflow.kyc.required.doc`	Supporting documents
`flow_action_individual_required_forms`	`workflow.kyc.required.form`	Forms / questionnaires
`flow_action_screen_check`	(automatic)	AML / sanctions screening

身份证件(OCR)

Submit: workflow.kyc.ocr (POST). Poll for OCR results at workflow.kyc.ocr.data after 2–5 seconds — OCR usually completes in 5–15 seconds.

{
  "provider": "WIDTH",
  "frontImage": "s3://workflow-kyc/.../front.jpg",
  "backImage":  "s3://workflow-kyc/.../back.jpg",
  "documentType": "INTERNATIONAL_PASSPORT",
  "region": "SG",
  "executionId": "exec-abc123def456",
  "callbackKey": "kyc:ocr:exec-abc123def456:...",
  "referenceId": "onboarding-uuid-001"
}

客户信息提交

Endpoint: workflow.kyc.particular.data.

{
  "executionId": "exec-abc123def456",
  "callbackKey": "kyc:particular:exec-abc123def456:...",
  "referenceId": "onboarding-uuid-001",
  "personData": "{\"name\":\"John Smith\",\"dateOfBirth\":\"1990-01-15\",\"nationality\":\"SG\",\"sex\":\"MALE\",\"countryOfResidence\":\"SG\",\"address\":\"123 Main St\"}"
}

personData is a JSON-encoded string, not a nested object. Call JSON.stringify() on the data before placing it in the request body.

活体检测

Endpoint: workflow.kyc.liveness.data.

{
  "provider": "SELF",
  "status": "PASS",
  "scores": "{\"qualityScore\":1.0,\"brightnessScore\":100,\"brightnessStatus\":\"normal\"}",
  "images": "{\"faceFull\":\"s3://workflow-kyc/.../selfie.jpg\"}",
  "executionId": "exec-abc123def456",
  "callbackKey": "kyc:liveness:exec-abc123def456:...",
  "referenceId": "onboarding-uuid-001"
}

邮箱 / 手机 OTP

Two steps: workflow.kyc.otp.send then workflow.kyc.otp.verify.

// send
{
  "type": "email",
  "identity": "john@example.com",
  "executionId": "exec-abc123def456",
  "callbackKey": "kyc:email:exec-abc123def456:...",
  "referenceId": "onboarding-uuid-001"
}

// verify
{
  "type": "email",
  "identity": "john@example.com",
  "code": "985024",
  "executionId": "exec-abc123def456",
  "callbackKey": "kyc:email:exec-abc123def456:...",
  "requestId": "550e8400-e29b-41d4-a716-446655440000",
  "referenceId": "onboarding-uuid-001"
}

必需证件

Endpoint: workflow.kyc.required.doc. After all docs are uploaded, call workflow.kyc.required.doc.submit to advance.

{
  "doc": "{\"front\":{\"url\":\"s3://workflow-kyc/.../bill.pdf\",\"filename\":\"bill.pdf\",\"content_type\":\"application/pdf\",\"size\":85618}}",
  "isRequired": true,
  "docType": "UTILITY_TELEPHONE_BILL",
  "extraData": "{\"issueDate\":\"2026-03-01\"}",
  "executionId": "exec-abc123def456",
  "callbackKey": "kyc:required_doc:exec-abc123def456:...",
  "referenceId": "onboarding-uuid-001"
}

必需表单

Endpoint: workflow.kyc.required.form.

{
  "formId": "IndividualForm",
  "formData": "{\"field_source_of_funds\":\"EMPLOYMENT\",\"field_annual_income\":\"50000-100000\"}",
  "executionId": "exec-abc123def456",
  "callbackKey": "kyc:required_form:exec-abc123def456:...",
  "referenceId": "onboarding-uuid-001"
}