KYC Certificate

The KYC Certificate is a reusable identity-verification certificate bundle for consumer onboarding. It replaces per-bank KYC intake with a network-issued attestation: instead of each institution re-running document capture, biometric checks, and identity corroboration for the same person, a query assembles the verification work already furnished by network participants into a single certificate.


Category	Identity Verification
Use case	Customer Onboarding
Subject	Consumer
Operations	`POST /v1/products/kyc_certificate/query`, `POST /v1/products/kyc_certificate/furnish`

What’s in the certificate

A KYC certificate consolidates up to nine sub-products, each a block in the query response with its own assertions (what was attested, and when) and data (the supporting attributes):

Sub-product	Response key	What it attests
Document capture	`document_capture`	An identity document was captured, with its type, number, and dates.
Document review	`document_review`	The document’s attributes were reviewed — tamper and machine-readable-data checks.
Biometric capture	`biometric_capture`	A biometric artifact (e.g. a selfie) was captured.
Biometric review	`biometric_review`	The biometric was compared against a reference, with quality and outcome.
Liveness capture	`liveness_capture`	Liveness evidence was captured.
Liveness review	`liveness_review`	The liveness evidence was reviewed, with outcome and confidence tier.
Address capture	`address_capture`	A residential address was captured.
Address verification	`address_verification`	The address was verified, with methods and per-source match counts.
Identity corroboration	`identity_corroboration`	CIP-style corroboration — SSN, name, and DOB matches across sources.

Every populated sub-product carries the furnishing_entity_id of the participant whose data backed it and the attestation_id of their attestation, so the certificate is auditable down to its sources.

Querying

curl -X POST https://api.solo.one/v1/products/kyc_certificate/query \
  -H "Authorization: Bearer $SOLO_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "consent_id": "a3f0b9c7-…",
    "policy_id": "5e7d2a14-…",
    "network_ids": ["9f1c0c2e-…"]
  }'

The request follows the standard query anatomy: identify the subject with consent_id (or consumer_id for direct permissible-purpose lookups), and scope the read with network_ids plus an optional policy_id and furnishing_entity_ids. A 200 OK means a certificate was issued:

{
  "certificate_id": "1c9f4e2a-…",
  "query_event_id": "7b2d9c4e-…",
  "consumer_id": "c2a4e8d0-…",
  "result": {
    "meta": {
      "network_id": "9f1c0c2e-…",
      "policy_id": "5e7d2a14-…"
    },
    "document_capture": {
      "furnishing_entity_id": "e1d2c3b4-…",
      "attestation_id": "f0a1b2c3-…",
      "assertions": {
        "document_capture_assertion": true,
        "document_capture_timestamp": "2026-04-15T00:00:00Z"
      },
      "data": {
        "document_artifact": "passport_scan.pdf",
        "document_type": "passport",
        "document_issuing_state": "government",
        "document_number": "934712385",
        "document_issue_date": "2021-03-02",
        "document_expiration_date": "2031-03-02",
        "document_capture_method": "mobile_scan"
      }
    },
    "document_review": {
      "furnishing_entity_id": "e1d2c3b4-…",
      "attestation_id": "f0a1b2c3-…",
      "assertions": {
        "document_attribute_review_assertion": true,
        "document_attribute_review_timestamp": "2026-04-16T00:00:00Z"
      },
      "data": {
        "document_review_method": "automated_ocr",
        "document_tamper_review_performed": true,
        "document_tamper_indicators_observed": false,
        "is_document_machine_readable_data_validation_performed": true,
        "is_document_machine_readable_data_validation_consistent_with_document_face": true
      }
    },
    "biometric_capture": {
      "furnishing_entity_id": "e1d2c3b4-…",
      "attestation_id": "f0a1b2c3-…",
      "assertions": {
        "biometric_capture_assertion": true,
        "biometric_capture_timestamp": "2026-04-15T00:00:00Z"
      },
      "data": {
        "biometric_artifact": "selfie.jpg",
        "biometric_capture_method": "selfie"
      }
    },
    "identity_corroboration": {
      "furnishing_entity_id": "e1d2c3b4-…",
      "attestation_id": "f0a1b2c3-…",
      "assertions": {
        "is_identity_corroboration_performed": true,
        "identity_corroboration_timestamp": "2026-04-16T09:30:00Z"
      },
      "data": {
        "identity_elements_corroborated": "pass",
        "identity_corroboration_methods": ["database", "documentary"],
        "identity_corroboration_outcomes": ["ssn_match", "name_match", "dob_match"],
        "total_identity_corroboration_sources_consulted": 3,
        "identity_corroboration_source_count_full_match": 3,
        "identity_corroboration_source_count_inconclusive": 0,
        "identity_corroboration_source_count_no_match": 0,
        "identity_corroboration_source_count_partial_match": 0
      }
    },
    "biometric_review": null,
    "liveness_capture": null,
    "liveness_review": null,
    "address_capture": null,
    "address_verification": null
  }
}

certificate_id — the issued certificate. The certificate records the date it was issued, its attestation timestamp, and the network + policy pairs it was resolved under.
query_event_id — the billable query event id; the same value is returned in the X-Ref-Id response header. Quote it to support and keep it in your audit log.
result — the consolidated certificate. Sub-products the policy didn’t require (or that lacked data) are null.

How the certificate resolves per network

The query gathers furnished events across every network in network_ids and applies the querying policy’s filters uniformly. For each sub-product it selects the oldest matching event from any allowed network, and the result’s meta.network_id is anchored to the first network in your request — list your primary network first. Which furnishers’ data is considered, and which fields you see, is further shaped by your entitlement.

When you get a 204

The endpoint declares a 204 No Content response: no certificate could be created — the available data did not satisfy the policy requirements. Concretely, a 204 is returned when:

a sub-product the policy requires was never furnished for this consumer in the queried networks, or
furnished data exists but fails the policy’s filters (e.g. outside the freshness window the policy selected), or
the policy selected specific data fields that the resolved certificate could not populate.

The body is empty. The response still carries the X-Ref-Id header, and the query event is still recorded. To anticipate 204s before spending a billable query, run a coverage check first.

Furnishing

Participants contribute the underlying KYC data with POST /v1/products/kyc_certificate/furnish:

{
  "network_id": "9f1c0c2e-…",
  "subnetwork_name": "default",
  "application_date": "2026-05-28",
  "records": [
    {
      "first_name": "Jane",
      "last_name": "Doe",
      "date_of_birth": "1990-01-15",
      "social_security_number": "123-45-6789"
    }
  ]
}

The response is {"success": true, "submission_id": "…"}. Bulk contribution is also available via file upload and SFTP; see Furnishing for the full model.

Field reference

The KYC certificate’s data dictionary, model by model. Field is the display name, API name is the field_name used in policies and coverage checks, and Source model is the underlying table the value is drawn from.

Consumer

Field	API name	Type	Source model
First Name	`first_name`	String	`consumer`
Last Name	`last_name`	String	`consumer`

DocumentCaptureEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`document_capture_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is Document Captured	`is_document_captured`	Boolean	`document_capture_event`
Document Capture Timestamp	`document_capture_timestamp`	Date	`document_capture_event`
Is Document Attribute Reviewed	`is_document_attribute_reviewed`	Boolean	`document_capture_event`
Document Attribute Review Timestamp	`document_attribute_review_timestamp`	Date	`document_capture_event`

IdentityDocument

Field	API name	Type	Source model
Identity Document Type	`type`	String	`identity_document`
Document Issue Date	`issue_date`	Date	`identity_document`
Document Expiration Date	`expiration_date`	Date	`identity_document`
Issuing Authority	`issuing_authority`	String	`identity_document`
Is Tampering Detected	`is_tampering_detected`	Boolean	`identity_document`
Are Security Features Verified	`are_security_features_verified`	Boolean	`identity_document`
Document Number	`number`	Integer	`identity_document`
Document Upload	`upload`	String	`identity_document`

BiometricCaptureEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`biometric_capture_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is Biometric Captured	`is_biometric_captured`	Boolean	`biometric_capture_event`
Biometric Capture Timestamp	`biometric_capture_timestamp`	Date	`biometric_capture_event`
Is Biometric Attribute Reviewed	`is_biometric_attribute_reviewed`	Boolean	`biometric_capture_event`
Biometric Attribute Review Timestamp	`biometric_attribute_review_timestamp`	Date	`biometric_capture_event`
Biometric Artifact Type	`biometric_artifact_type`	String	`biometric_capture_event`
Biometric Artifact Image Quality	`biometric_artifact_image_quality`	String	`biometric_capture_event`
Biometric Artifact Subject Present	`biometric_artifact_subject_present`	Boolean	`biometric_capture_event`
Biometric Artifact Upload	`biometric_artifact_upload`	String	`biometric_capture_event`

LivenessCheckEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`liveness_check_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is Liveness Captured	`is_liveness_captured`	Boolean	`liveness_check_event`
Capture Timestamp	`capture_timestamp`	Date	`liveness_check_event`
Is Liveness Evidence Reviewed	`is_liveness_evidence_reviewed`	Boolean	`liveness_check_event`
Evidence Review Timestamp	`evidence_review_timestamp`	Date	`liveness_check_event`
Capture Method Type	`capture_method_type`	String	`liveness_check_event`
Check Result	`check_result`	String	`liveness_check_event`
Evidence Clarity	`evidence_clarity`	String	`liveness_check_event`

AddressCaptureEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`address_capture_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is Address Captured	`is_address_captured`	Boolean	`address_capture_event`
Address Capture Timestamp	`address_capture_timestamp`	Date	`address_capture_event`
Is Address Verified	`is_address_verified`	Boolean	`address_capture_event`
Address Verification Timestamp	`address_verification_timestamp`	Date	`address_capture_event`
Address Verification Method Type	`address_verification_method_type`	String	`address_capture_event`
Is Match	`is_match`	Boolean	`address_capture_event`

IdentityVerificationEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`identity_verification_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is KYC CIP	`is_kyccip`	Boolean	`identity_verification_event`
KYC Decision	`kyc_decision`	String	`identity_verification_event`
Is SSN Match	`is_ssn_match`	Boolean	`identity_verification_event`
Is Name Match	`is_name_match`	Boolean	`identity_verification_event`
Name Verified	`name_verified`	Boolean	`identity_verification_event`
Is DOB Match	`is_dob_match`	Boolean	`identity_verification_event`
SSN Verified	`ssn_verified`	Boolean	`identity_verification_event`
Deliverable	`deliverable`	Boolean	`identity_verification_event`
Identity Corroboration Timestamp	`created_at`	Datetime	`identity_verification_event`

KYCCertificate (policy configuration only)

These certificate-level fields are used when configuring a querying policy — e.g. requiring a certificate no older than 30 days. They are filters over issued certificates, not data projected into the query response.

Field	API name	Type	Source model
Certificate As Of Date	`certificate_as_of_date`	Date	`kyc_certificate`
Certificate Attestation Timestamp	`certificate_attestation_timestamp`	Datetime	`kyc_certificate`
Days Since Certificate As Of Date	`days_since_certificate_as_of_date`	Integer	`kyc_certificate`
Is Address Captured	`is_address_captured`	Boolean	`kyc_certificate`
Is Address Verification Performed	`is_address_verification_performed`	Boolean	`kyc_certificate`
Is Biometric Captured	`is_biometric_captured`	Boolean	`kyc_certificate`
Is Biometric Reviewed	`is_biometric_reviewed`	Boolean	`kyc_certificate`
Is Document Captured	`is_document_captured`	Boolean	`kyc_certificate`
Is Document Reviewed	`is_document_reviewed`	Boolean	`kyc_certificate`
Is Identity Corroboration Performed	`is_identity_corroboration_performed`	Boolean	`kyc_certificate`
Is Liveness Captured	`is_liveness_captured`	Boolean	`kyc_certificate`
Is Liveness Reviewed	`is_liveness_reviewed`	Boolean	`kyc_certificate`

In the dashboard

Run query — choose KYC certificate product

Consumer KYC certificate — parsed result fields

Querying

Request anatomy, 200 vs 204, billing, and the X-Ref-Id header.

Coverage check

Check field coverage before running a billable query.

Furnishing API

Query API

The Collect SDK

The Index Microservice

What’s in the certificate

Querying

How the certificate resolves per network

When you get a 204

Furnishing

Field reference

Consumer

DocumentCaptureEvent

IdentityDocument

BiometricCaptureEvent

LivenessCheckEvent

AddressCaptureEvent

IdentityVerificationEvent

KYCCertificate (policy configuration only)

In the dashboard

Querying

Coverage check

​What’s in the certificate

​Querying

​How the certificate resolves per network

​When you get a 204

​Furnishing

​Field reference

​Consumer

​DocumentCaptureEvent

​IdentityDocument

​BiometricCaptureEvent

​LivenessCheckEvent

​AddressCaptureEvent

​IdentityVerificationEvent

​KYCCertificate (policy configuration only)

​Related

​In the dashboard

Querying

Coverage check

What’s in the certificate

Querying

How the certificate resolves per network

When you get a 204

Furnishing

Field reference

Consumer

DocumentCaptureEvent

IdentityDocument

BiometricCaptureEvent

LivenessCheckEvent

AddressCaptureEvent

IdentityVerificationEvent

KYCCertificate (policy configuration only)

Related

In the dashboard