About Questionnaires

Questionnaires allow you to collect additional information from applicants beyond standard identity verification, supporting enhanced due diligence, source of funds declarations, and risk assessments.

What are Questionnaires?

Questionnaires are customizable forms that collect structured data from applicants. They can be:

• Mandatory: Required for all applicants
• Conditional: Triggered by specific criteria
• Optional: Available if applicant chooses to provide more info

Use Cases

Source of Funds (SOF)

Collect information about the origin of funds:

┌─────────────────────────────────────────────────────────┐
│                 SOURCE OF FUNDS                          │
├─────────────────────────────────────────────────────────┤
│ What is the primary source of your funds?               │
│ ○ Employment income                                     │
│ ○ Business income                                       │
│ ○ Investments                                           │
│ ○ Inheritance                                           │
│ ○ Sale of property                                      │
│ ○ Other: ___________                                    │
│                                                          │
│ Expected annual transaction volume:                     │
│ ○ Less than $10,000                                     │
│ ○ $10,000 - $50,000                                     │
│ ○ $50,000 - $100,000                                    │
│ ○ More than $100,000                                    │
└─────────────────────────────────────────────────────────┘

Source of Wealth (SOW)

For high-risk or high-value customers:

Question	Purpose
Occupation history	Verify income source
Business ownership	Identify wealth origin
Inheritance details	Document windfalls
Investment history	Understand wealth growth

Risk Assessment

Collect information to assess customer risk:

• Purpose of account
• Expected transaction patterns
• Countries of operation
• Business relationships

Industry-Specific Compliance

• Crypto: Travel rule information
• Gaming: Responsible gambling questions
• Financial services: Accredited investor status

Questionnaire Workflow

┌─────────────────────────────────────────────────────────┐
│                 APPLICANT JOURNEY                        │
└─────────────────────────┬───────────────────────────────┘
                          │
                          v
┌─────────────────────────────────────────────────────────┐
│           1. IDENTITY VERIFICATION                       │
│              Document + Biometric                        │
└─────────────────────────┬───────────────────────────────┘
                          │
                          v
┌─────────────────────────────────────────────────────────┐
│           2. SCREENING                                   │
│              Sanctions, PEP, Adverse Media               │
└─────────────────────────┬───────────────────────────────┘
                          │
                          v
┌─────────────────────────────────────────────────────────┐
│           3. QUESTIONNAIRE                               │
│              SOF, SOW, Risk Assessment                   │
└─────────────────────────┬───────────────────────────────┘
                          │
                          v
┌─────────────────────────────────────────────────────────┐
│           4. REVIEW & DECISION                           │
│              All data combined for decision              │
└─────────────────────────────────────────────────────────┘

Getting Started

Create a Questionnaire

curl -X POST https://api.bytrustgate.com/v1/questionnaires \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Source of Funds",
    "description": "Collect source of funds information",
    "trigger": "always",
    "questions": [
      {
        "id": "sof_primary",
        "type": "single_choice",
        "question": "What is the primary source of your funds?",
        "required": true,
        "options": [
          {"value": "employment", "label": "Employment income"},
          {"value": "business", "label": "Business income"},
          {"value": "investments", "label": "Investments"},
          {"value": "inheritance", "label": "Inheritance"},
          {"value": "other", "label": "Other"}
        ]
      }
    ]
  }'

Assign to Applicant

curl -X POST https://api.bytrustgate.com/v1/applicants/{applicant_id}/questionnaires \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "questionnaire_id": "quest_123"
  }'

View Responses

curl -X GET "https://api.bytrustgate.com/v1/applicants/{applicant_id}/questionnaires/quest_123/responses" \
  -H "Authorization: Bearer YOUR_API_KEY"

Response

{
  "questionnaire_id": "quest_123",
  "applicant_id": "app_456",
  "status": "completed",
  "submitted_at": "2025-01-20T14:30:00Z",
  "responses": [
    {
      "question_id": "sof_primary",
      "question": "What is the primary source of your funds?",
      "answer": "employment",
      "answer_label": "Employment income"
    }
  ]
}

Conditional Questionnaires

Trigger Based on Risk

curl -X POST https://api.bytrustgate.com/v1/questionnaires \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Enhanced Due Diligence",
    "trigger": {
      "type": "conditional",
      "conditions": {
        "any": [
          {"field": "risk_score", "operator": "gte", "value": 60},
          {"field": "pep_status", "operator": "eq", "value": true},
          {"field": "transaction_volume", "operator": "gte", "value": 100000}
        ]
      }
    },
    "questions": [...]
  }'

Trigger Based on Screening Result

{
  "trigger": {
    "type": "conditional",
    "conditions": {
      "field": "screening_status",
      "operator": "eq",
      "value": "hit"
    }
  }
}

Web SDK Integration

Embed Questionnaire

const questionnaire = TrustGate.Questionnaire({
  applicantId: 'app_123',
  questionnaireId: 'quest_456'
});

questionnaire.render('#questionnaire-container', {
  onComplete: (responses) => {
    console.log('Questionnaire completed:', responses);
    proceedToNextStep();
  },
  onError: (error) => {
    console.error('Questionnaire error:', error);
  },
  theme: {
    primaryColor: '#0066cc',
    borderRadius: '8px'
  }
});

Questionnaire Templates

Pre-Built Templates

Template	Use Case	Questions
source_of_funds	SOF declaration	5 questions
source_of_wealth	SOW declaration	8 questions
pep_declaration	PEP self-declaration	4 questions
risk_assessment	Customer risk questions	10 questions
accredited_investor	US accredited investor	6 questions

Use a Template

curl -X POST https://api.bytrustgate.com/v1/questionnaires/from-template \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "template": "source_of_funds",
    "customizations": {
      "add_questions": [...],
      "remove_questions": ["q5"],
      "modify_options": {
        "q1": {
          "add_options": [{"value": "crypto", "label": "Cryptocurrency"}]
        }
      }
    }
  }'

Analytics

Questionnaire Completion Rates

curl -X GET "https://api.bytrustgate.com/v1/analytics/questionnaires?period=30d" \
  -H "Authorization: Bearer YOUR_API_KEY"

{
  "period": "30d",
  "questionnaires": {
    "quest_123": {
      "name": "Source of Funds",
      "sent": 500,
      "completed": 450,
      "completion_rate": 0.90,
      "avg_completion_time_seconds": 120
    }
  }
}

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Next Steps

• Creating Questionnaires - Build custom questionnaires
• Question Types - Available question formats