> For the complete documentation index, see [llms.txt](https://docs.mysorbet.xyz/sorbet/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.mysorbet.xyz/sorbet/getting-started/verification.md). # Verification What you need to get verified on Sorbet, which documents are accepted, and how long it takes. ## Verification (KYC & KYB) To open your accounts and move money with Sorbet, you'll need to complete identity verification — **KYC** if you're signing up as an individual, **KYB** if you're signing up as a business. Verification is carried out by our regulated payment infrastructure partner, who runs the identity and sanctions checks required under anti-money-laundering rules. You may see screens that aren't branded Sorbet during the process — that's expected, and your documents go directly to the partner rather than sitting with us. {% hint style="warning" %} Use a real email address and a real phone number. Both are required by the banks behind your account and are used as fraud signals. Shared, aliased or placeholder addresses will fail verification. {% endhint %} #### Individuals (KYC) **What you'll need** One of the following, in order of preference: * **Passport** — preferred, and accepted everywhere except the United States * **National ID card** — accepted everywhere except the United States * **Another government-issued photo ID** (for example a driving licence) **plus your tax identification number** Along with: * Your personal details — full legal name, date of birth, nationality, country of residence, email and phone number * A **selfie**, taken live on your webcam or phone, to match against your ID. It has to be a live photo — not a screenshot, not a photo of a photo, and not the picture from your ID * Your **tax identification number** for your country of residence. In Pakistan that's your **CNIC**; in India, your **PAN**; in the US, your **SSN** **Proof of address — when it's needed** Most people won't be asked for this. It's required if you submit a government ID issued in a higher-risk region but state that you live somewhere else. If you are asked, the document must: * Confirm your current **residential** address * Be addressed to you by name * Have been issued in the **last 90 days** * Not be a PO box or a virtual address Accepted: bank statement, utility bill, government-issued letter, or a residential lease agreement. A lease can be older than 90 days as long as it's still current. **Extra questions for some applicants** If you live in a region we treat as higher risk — **Pakistan is one of them** — or you're **over 60**, you'll also be asked: * What you're opening the account for * Whether you're acting on behalf of someone else * Your expected monthly payment volume * Your employment status and most recent occupation * Your source of funds This is standard for these cases and isn't a sign anything's wrong. Answering fully the first time is the fastest route through. {% hint style="info" %} **Paying into India?** To use the Indian rupee VDA rail, you must submit **Aadhaar** as your ID and **PAN** as your tax number. Any other combination will verify your account but leave that rail closed. {% endhint %} **Who can't be verified** * **Anyone under 18.** This is a hard limit and doesn't vary by country. * **Residents of certain countries** — see Country Eligibility. #### Businesses (KYB) Every business application gets a manual review. Nothing here is decided automatically. **What you'll need** * **Business formation document** — what counts depends on your entity type. A certificate or articles of incorporation for a company, a business licence or DBA filing for a sole proprietorship, a partnership agreement for a partnership, a trust deed for a trust * **Ownership information** — a document accounting for **100%** of ownership, identifying every individual owning **25% or more**. A shareholder register, cap table, operating agreement or stock certificates all work. A cap table from Carta, AngelList or Securitize is accepted as-is; a self-made document needs signing by a verified control person, a lawyer, or a third-party CPA * **Proof of address** for the operating address — issued in the last 90 days, no PO boxes or virtual addresses * **Proof of source of funds** — bank statements, investment documents, audited accounts, or evidence of an asset sale * **Proof of nature of business** — invoices, commercial contracts, receipts, or bills of lading showing you actually do what you say you do * **Business details** — tax ID, registration number, formation date, operating address, industry and description, annual revenue, expected volume, and any high-risk activities In Pakistan your business tax number is your **NTN**. {% hint style="info" %} If the company is owned by another company, we'll need the same ownership documents for that entity too, until every chain resolves to named individuals. {% endhint %} **Verification of owners and controllers** Every ultimate beneficial owner and control person has to complete individual verification, with the same documents listed in the KYC section above. A control person is someone with significant authority to direct the business — typically a CEO, CFO, COO, President or Director. Where a business has no individual shareholders — a nonprofit or a foundation, say — we verify the people who control it instead. **Enhanced review** Some businesses go through a deeper review and will additionally be asked for a directors registry, a corporate ownership chart, and flow-of-funds diagrams. Financial institutions also need to supply an AML policy, proof of licensing, and a CV or LinkedIn profile for their Head of Compliance. Financial statements may be requested. If your business conducts money services of any kind, a flow-of-funds document is required from the start. **Who can't be verified** * **Businesses in restricted sectors** — see Restricted Businesses & Activities for the full list and for the activities you need to declare * **Businesses incorporated, headquartered or operating in certain countries** — see Country Eligibility #### What happens after you submit **Individuals** are usually approved within seconds, automatically. If you're in a country marked for review, expect up to a day. **Businesses** take **3 to 4 business days**. If your business is based in a higher-risk country — Pakistan included — allow **up to a week**. Your application will land in one of three states: | Status | What it means | | ---------------- | --------------------------------------------------------------------------------- | | **Approved** | You're through. Head to Accounts to claim your details | | **Under review** | Something needs a human. Common for businesses, and normal — no action needed yet | | **Rejected** | Something specific was wrong. You'll be told what, and you can resubmit | A rejection is almost never final. The usual causes are an unreadable photo, an expired ID, a selfie that doesn't match, or a tax number in the wrong format — all fixable. Correct what was flagged and submit again; it re-triggers the check. {% hint style="info" %} Approved but a currency still isn't available? Occasionally a partner bank runs its own audit on a new account, which can hold up one specific currency or rail for a short time while everything else works normally. It clears on its own. {% endhint %} #### Getting your photos right Most rejections are photo quality, not eligibility. Before you submit: * Photograph the original document, not a photocopy, a screen, or a printout * Get the whole document in frame, in focus, with no glare * Include both sides where your ID has two * Take the selfie live, facing the camera, with no hat, mask or sunglasses * Don't use filters or edit the image *** For KYC, KYB, sanctions, or verification questions, email . For account or product support, email .