Individual

KYC requirements for onboarding individual customers. Covers standard, enhanced, and high-risk verification tiers with required documents.

KYC Requirements

Standard Onboarding (USA, EEA, UK, AUS, Low Risk RoW)

Basic Info

• Full name
• Residential Address
• Date of Birth
• Nationality
• Email
• Phone
• ID Document
• Liveness check/Selfie (comparison of liveness vs image on passport or DL and verification of document)

Specific Requirements

Proof of Address (POA) - always required at Tier 1 for customers residing outside the USA, EEA, and UK, including Australia. For USA, EEA, and UK residents it’s conditional, and the triggers differ by region. Documents other than identity documents must be issued within the last 3 months. See Proof of Address for the region-by-region triggers and the accepted document list.

SSN - required for US citizens or residents only

KYC Questionnaire

• Use of product
• Employment status
• Source of Wealth
• Annual Income
• Monthly expected transaction count
• Monthly expected transaction value

High Risk Jurisdiction Onboarding and EDD (Limit Increase)

All of the Standard Onboarding requirements plus Enhanced Due Diligence:

• Approximate net worth
• Industry
• Source of Wealth proof: bank statements, payslips, sale proceeds, or another document from the accepted document list
• Proof of address

Yearly Limit: Unlimited but subject to review

Exception flows automatically trigger EDD workflow for customers residing in high-risk jurisdictions or customers residing in medium-risk jurisdictions who are aged 67 years or older. When this happens, MoonPay Enterprise sets with_edd to true on the identification response automatically. See Tracking EDD Status for how to interpret this field.

Appendix

Questionnaire List

Question	Answers	Onboarding Type
What will you use MoonPay Enterprise for?	Investing, Payments to friends/family/others, Purchase of digital assets, Online Purchases of Goods/Services, Trading	Standard
What is your employment status?	Employed or self-employed, Retired, Student, Unemployed	Standard
What’s your yearly gross income?	Less than 20,000 to More than 150,000 (in increments of 10,000)	Standard
What is your source of wealth?	Salary, Savings, Investments, Crypto trading, Other	Standard
How many times do you expect to transact per month?	Less than 5, 5-10, More than 10	Standard
What’s your approximate net worth?	Up to 25,000 / 25,001-50,000 / 50,001-100,000 / 100,001-300,000 / 300,001-500,000 / 500,001-1,000,000 / Over 1,000,001	EDD
What industry do you work in?	Agriculture, Arts and entertainment, Construction, Education, Financial services, Information and technology, Manufacturing, Retail, Real Estate, Other	EDD
Source of Wealth verification	Bank statements or payslips showing stable income, proof of savings or investments, evidence of asset ownership or sale proceeds, documentation of crypto holdings, and other legitimate records demonstrating lawful accumulation of wealth.	EDD

Accepted ID Documents

• Passport
• National ID card
• Driver’s License
• Residence Permit
• Digital Driver’s License (Brazil-issued only)

Verification Standards

• ID must be valid, readable, government-issued, and contain a person’s photograph
• POA must be ≤ 3 months old
• SoW proof must be one of the accepted documents in Source of Wealth
• Liveness must match ID
• Missing/inconsistent information may trigger additional review