About Reusable KYC

Reusable KYC allows verified users to share their identity verification with other services, reducing friction and verification costs while maintaining compliance.

What is Reusable KYC?

Reusable KYC enables users who have already completed identity verification to:

Share verification results with partner organizations
Avoid repeated onboarding friction
Control their data through explicit consent
Speed up approvals at new services

How It Works

┌─────────────────────────────────────────────────────────┐
│                     USER                                 │
│              (Already verified at Company A)             │
└─────────────────────────┬───────────────────────────────┘
                          │
                          │ 1. User wants to onboard at Company B
                          v
┌─────────────────────────────────────────────────────────┐
│                    COMPANY B                             │
│              Requests verified identity                  │
└─────────────────────────┬───────────────────────────────┘
                          │
                          │ 2. Company B sends reuse request
                          v
┌─────────────────────────────────────────────────────────┐
│                  TRUSTGATE                            │
│           Validates request, prompts user               │
└─────────────────────────┬───────────────────────────────┘
                          │
                          │ 3. User consents to share data
                          v
┌─────────────────────────────────────────────────────────┐
│                     USER                                 │
│              Reviews and approves sharing               │
└─────────────────────────┬───────────────────────────────┘
                          │
                          │ 4. Data shared with Company B
                          v
┌─────────────────────────────────────────────────────────┐
│                    COMPANY B                             │
│         Receives verification, approves user            │
└─────────────────────────────────────────────────────────┘

Benefits

For Users

Benefit	Description
Faster onboarding	Skip verification, get approved in seconds
Less friction	No document uploads or selfies needed
Privacy control	Choose what data to share
Single source of truth	Manage identity in one place

For Businesses

Benefit	Description
Lower costs	No verification costs for reused identities
Higher conversion	Reduce onboarding abandonment
Compliance maintained	Verification standards preserved
Network effects	Access to pre-verified user pool

Verification Levels

Levels Supported for Reuse

Level	Checks Included	Reusable
Basic	Document verification	Yes
Standard	Document + biometric	Yes
Enhanced	Standard + screening	Yes
Full	Enhanced + address verification	Yes

Level Compatibility

The receiving organization can accept:

Same level: User verified at Standard, org requires Standard
Higher level: User verified at Enhanced, org requires Basic
Not lower: User verified at Basic cannot satisfy Enhanced requirement

Getting Started

Enable Reusable KYC

curl -X PUT https://api.bytrustgate.com/v1/settings/reusable-kyc \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "enabled": true,
    "allow_receiving": true,
    "allow_sharing": true,
    "minimum_verification_level": "standard",
    "require_fresh_screening": true,
    "max_verification_age_days": 365
  }'

Request Verification Reuse

curl -X POST https://api.bytrustgate.com/v1/reusable-kyc/request \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "user_email": "john.doe@example.com",
    "verification_level": "standard",
    "data_requested": [
      "full_name",
      "date_of_birth",
      "nationality",
      "document_verification_status",
      "screening_status"
    ],
    "purpose": "account_opening",
    "redirect_url": "https://your-app.com/onboarding/callback"
  }'

Response

{
  "request_id": "reuse_req_123456",
  "status": "pending_consent",
  "consent_url": "https://verify.bytrustgate.com/consent/abc123",
  "expires_at": "2025-01-20T15:30:00Z"
}

User Experience

User clicks consent link or is redirected
TrustGate shows what data will be shared
User reviews and approves or declines
User is redirected back to requesting service

┌─────────────────────────────────────────────────────────┐
│                                                          │
│     Company B wants to verify your identity              │
│                                                          │
│     They are requesting:                                 │
│     ✓ Full name                                          │
│     ✓ Date of birth                                      │
│     ✓ Document verification status                       │
│     ✓ Screening status                                   │
│                                                          │
│     Your data will NOT include:                          │
│     ✗ Document images                                    │
│     ✗ Biometric data                                     │
│     ✗ Address                                            │
│                                                          │
│     [Approve]     [Decline]                              │
│                                                          │
└─────────────────────────────────────────────────────────┘

What Can Be Shared

Data Category	Shareable	Notes
Full name	Yes	From verified documents
Date of birth	Yes	From verified documents
Nationality	Yes	From documents
Address	Optional	If verified
Document status	Yes	Verified/not verified
Screening status	Yes	Clear/hit/pending
Risk score	Optional	With user consent
Document images	No	Never shared
Biometric data	No	Never shared
Raw selfies	No	Never shared

Shared Data Response

{
  "request_id": "reuse_req_123456",
  "status": "approved",
  "verification": {
    "level": "standard",
    "verified_at": "2024-06-15T10:00:00Z",
    "provider": "Company A"
  },
  "shared_data": {
    "full_name": "John Doe",
    "date_of_birth": "1985-03-15",
    "nationality": "USA",
    "verification_status": "verified",
    "screening_status": "clear"
  },
  "consent": {
    "granted_at": "2025-01-20T14:45:00Z",
    "consent_id": "consent_789"
  }
}

Network Partners

Join the Network

Organizations in the TrustGate network can:

Share verifications with other network members
Receive verifications from network members
Set acceptance criteria for incoming verifications

Partner Requirements

Requirement	Description
Verification standards	Must meet minimum verification requirements
Data security	SOC 2 or equivalent certification
Privacy compliance	GDPR/CCPA compliant
User consent	Must obtain proper consent

Compliance Considerations

Regulatory Acceptance

Same organization: Always acceptable
Affiliated entities: Check jurisdiction requirements
Third parties: May require additional verification
Cross-border: Consider local regulations

Reliance on Third-Party KYC

Most AML regulations permit reliance on third-party KYC when:

The third party is regulated
Adequate records are maintained
Risk assessment supports reliance

Next Steps

Generating Tokens - Create reuse tokens
Permissions - Configure data sharing
Access Tracking - Monitor data access

What is Reusable KYC?​

How It Works​

Benefits​

For Users​

For Businesses​

Verification Levels​

Levels Supported for Reuse​

Level Compatibility​

Getting Started​

Enable Reusable KYC​

Request Verification Reuse​

Response​

User Consent Flow​

User Experience​

Consent Screen Elements​

Data Sharing​

What Can Be Shared​

Shared Data Response​

Network Partners​

Join the Network​

Partner Requirements​

Compliance Considerations​

Regulatory Acceptance​

Reliance on Third-Party KYC​

Next Steps​