Compliance

Local KYC: verifying customers where there are no credit bureaus

A universal verification provider does not see your customer in the UAE or Indonesia: there, identity is confirmed through a government register. Here is how that differs from familiar KYC and what you configure.

170+

countries for accepting payments

2

government registers integrated out of the box

30+

jurisdictions in the data protection regime

Why a universal provider does not work here

It looks for the customer in sources that either do not exist in these countries or do not count as proof.

No credit bureaus in the familiar sense

Checks against credit history and telecom databases — routine on some markets — return nothing on others, because the sources simply are not there.

The document is verified with the state

What counts as proof is not document recognition but the register's answer: this person exists, the document is valid, the details match.

The failure rate hits conversion

A customer the system could not verify goes to whoever can. On markets with local identification this is the most common reason registrations are lost.

How local verification is built

Two ready identification paths plus common rules for handling the result.

Emirates ID — the UAE

Identity verification against the national ID: data match, validity period, holder correspondence. The result is stored in the customer profile together with the date and the source.

Dukcapil e-KTP — Indonesia

Verification against the civil registration register: ID number, name and date of birth are checked against the government database.

What happens to the result

A successful check opens transactions for the customer; a doubtful one goes to manual review with the mismatch stated. Storage rules and response deadlines for customer requests follow the country's data regime.

What to think through in advance

Local identification is not a replacement for compliance but its first step. Confirming identity through a government register answers "is this really that person", not "where did their money come from" and not "are they under sanctions". The full chain stays: local identity verification, then sanctions screening and transaction monitoring.

Second, the data. Verification through a government register means processing especially sensitive information, and storage requirements in these countries are stricter than for ordinary customer data. Decide in advance what the profile keeps: the fact of a successful check with its date and source, or the register's full response. The former is almost always enough and materially reduces your obligations.

Third, the failure path. The register can be unavailable, and details can diverge because of name transliteration or an outdated address. You need a fallback described up front: manual document review by a staff member, with transactions limited until it completes. Without it, the first outage of a government service turns into a halt on registrations.

How this is assembled in the operator dashboard

Three setup wizards. The operator runs them alone — no development needed.

1. Emirates ID verification

Connecting the source, which fields are matched, the action on a mismatch, and how the result is stored.

2. Dukcapil e-KTP verification

Connecting to the civil registration register, the fields checked, handling of ambiguous responses, and the fallback path.

3. Verification via the Russian state portal

The Russian state registry: account level, the data requested down to insurance and tax numbers, how long consent stays valid and the recheck schedule.

All three sources are configured by one wizard with per-country presets: the steps are identical, only the reference data differs. Set up the fallback path together with the main one: state registries have scheduled downtime, and without a manual route registration simply stops during those hours.

Configure verification for your market

Register and connect verification against the government register yourself. The fallback path for outages is configured by the same wizard — set it up right away.

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