KYC Certificate Results

Identity document Authenticity verification

When verifying identity documents, Blockpass employs a meticulous three-step process. Initially, users are required to capture a live image of their document. Subsequently, Blockpass utilizes a sophisticated Optical Character Recognition (OCR) engine to authenticate the document and ensure its alignment with government templates. Additionally, the OCR conducts a security assessment of the document's machine-readable zone. The third layer involves scrutinizing the document image for potential signs of tampering or alterations.

Results Summary:

1. CLEAR: This outcome signifies a successful match between the user's data and the submitted document. The image is clear, and there are no reports of the user's documents being lost, stolen, or compromised.

2. CONSIDER: This result indicates issues with the submitted document, such as inadequate picture quality, discrepancies between the app data and document information, scans or pictures of the National ID Document monitor, expired identity documents, or other irregularities hinting at possible document compromise.

Sanction lists and PEP certificate

For customers opting for the Plus or Enterprise Plan with AML check, Blockpass scans Sanctions lists, Politically Exposed Person (PEP) records, and Adverse Media data. 

Results Summary:

1. Name not found in Sanctions and PEP List: This outcome confirms that the user's full name is absent from sanction lists, PEP records, or adverse media databases.

2. Potential match found in Sanctions and PEP List: This result suggests that the user's name or a similar one appears in either Sanctions lists, Adverse Media, or the Politically Exposed Person list.

Face Match certificate

• To verify facial identity, users must provide live selfie images from three different angles, which are then compared against the photo in the identity document.

  Results Summary:

  1. CLEAR: The provided selfie accurately matches the picture on the identity document.

  2. CONSIDER: Issues arise if the submitted selfie is problematic, such as not being the same person when compared to the photo on the ID, or a poor-quality image.

Proof of Address Verification

This process involves comparing data, including the user's name, residential address, proof of address issue date, and IP location.

Results Summary:

1. CLEAR: The user's information and the submitted document's data align, and the IP location matches the user's residential country.

2. CONSIDER: Issues arise if there are disparities between the user's information and the submitted document's data, and/or if the IP location differs from the user's residential country.

Crypto Address Certificate (Unhosted Wallet KYC)

Users must connect their wallet to confirm ownership. Blockpass verifies the correctness of the provided signature.

Results Summary:

1. CLEAR: The input signature hash is correct, validating the user's ownership of the wallet.

2. CONSIDER: The input signature hash is incorrect, leading to rejection. Users can rectify this by reconnecting their wallet and resubmitting.

Crypto AML Certificate

This assessment gauges the risk associated with the user's submitted wallet, determining if it is linked to illicit activities such as dark market dealings, gambling, client deposits, or large transactions over 10k.

Results Summary:

Blockpass returns a score range from 0 to 100, with 0 being the highest risk and 100 being the lowest risk.

1. CLEAR: A score of >=40 indicates a low risk, confirming the wallet's legitimacy.

2. CONSIDER: A score of <40 raises concerns, necessitating further scrutiny due to potential risks associated with the wallet's activities.

Blockpass offers a comprehensive verification process encompassing document authenticity, sanction lists, facial recognition, proof of address, and crypto-related certificates. Users get approval when all criteria are met, ensuring a secure and reliable verification experience.

Certificate Expiration

Every certificate issued by Blockpass has an expiration date: 

* The "certificate date of issue" is when a profile is submitted and Blockpass verifies its information. 

Certificates will also expire under the following circumstances:

• Any data associated with a certificate changes, leading to re-verification and the issuance of a new certificate. In such cases, the certificate date of issue is updated to reflect the issuance date of the new certificate, while the dates of other certificates remain unchanged.

If a user has already been approved and their certificate expires, their application status will continue to display as "APPROVED."

What to do when you encounter an expired certificate:

This depends on the requirements and internal procedures of your business. 

• If you don’t need to update the information about the user and the user has already been on-boarded by you, you can simply ignore this notification.
• If you want to receive a new document and a new certificate you can click the “START REVIEW” button and reject the document related to the expired certificate (e.g. Passport if Passport Authentication certificate has expired, or Utility Bill document if Proof of Address certificate has expired):
  • The user will be prompted to submit a new document.
  • Upon submission of a new document, the user will be forced to verify their new document first.
  • Due to the new verification, the user’s status will turn to “INCOMPLETE”.
  • Once the document is Verified you will see the new document along with the new certificate in the dashboard, and the status of the application will show as “WAITING FOR REVIEW”.
  • You will receive a notification when the user's information is updated.