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Compliance Details

Celar enforces compliance at both the customer (KYC/KYB) and transaction (KYT) levels. This page explains possible compliance outcomes, required documents, PSP responsibilities, and the broader rules around verification.

1. States & Verdicts​

Compliance checks can result in the following outcomes:

  • allow -> Passed all checks.
  • failed -> Blocked transactions due to compliance rules.

2. KYC/KYB Requirements​

Celar enforces different requirements for individuals and businesses. The operational steps live in Compliance Workflows.

Individual Customers​

Required:

  • proof_of_residential_address upload
  • Didit verification flow for identity-document capture and face/liveness

Do not upload passport, driver_license, or id_card through PATCH /customers/uploads. Those identity-document checks happen inside Didit.

Business Customers​

Required:

  • proof_of_residential_address
  • incorporation_certificate
  • proof_of_business_address
  • Didit verification for the primary contact
note

Uploaded residence and business documents are stored on the customer record. Individual identity-document capture happens in Didit rather than through the uploads endpoint.

3. PSP Responsibilities​

  • You must create and maintain accurate customer records.
  • You must collect and maintain the required residence and business documents for each customer type.
  • You must ensure Terms of Service consent is completed before verification is finalized.
  • Compliance uploads and Didit verification are mandatory before a customer can transact.
  • If customer details change, Celar may re-run verification and move the customer back into a review state.

4. Compliance Workflow​

The typical compliance workflow in Celar:

  1. Create a customer through the customer flow.
  2. Send the Terms of Service consent link and wait for acceptance.
  3. Upload the required documents.
  4. Run Didit verification.
  5. When checks pass, the customer moves to approved.
  6. When a pay-in occurs, Celar runs KYT checks.
  7. Results and summaries are available through the compliance docs and endpoints.

This makes Celar secure, auditable, and regulator-ready.