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KYC Upgrade Guide

Complete guide for upgrading user KYC (Know Your Customer) levels to unlock higher transaction limits.

Overview

OLIVE uses a tiered KYC system that balances ease of use with regulatory compliance. Higher KYC levels unlock greater transaction limits.

KYC Levels

All new users start at Basic level after phone verification.

Upgrade Methods

Users can upgrade via the WhatsApp conversational agent

WhatsApp Upgrade Flow

The most common upgrade path uses the WhatsApp agent:
1

Initiate Upgrade

User messages: “upgrade my account” or “I want higher limits”
2

Agent Explains

Agent explains requirements and asks for ID front photo
3

Upload ID Front

User sends photo of ID card (front)
4

Upload ID Back

Agent asks for ID back photo, user sends
5

Validation

System validates both images using OCR and AI
6

Result

If valid, account upgraded. If issues found, user notified.

Example Conversation


ID Requirements

Accepted Documents

Photo Requirements

Do

  • Clear, well-lit photo
  • All text readable
  • Full document visible
  • Flat surface

Don't

  • Blurry or dark images
  • Glare covering text
  • Cropped or partial
  • Tampered documents

Validation Process

Multi-Layer Verification

The system uses multiple validation layers:
  • Validates document authenticity
  • Checks for photo presence
  • Verifies official document look
  • Detects obvious tampering
  • Extracts text using Tesseract
  • Parses ID number, name, dates
  • Calculates confidence scores
  • Detects low-quality images
  • Compares front and back data
  • Verifies name consistency
  • Checks dates match
  • Flags mismatches

Extracted Fields

For Sierra Leone National ID:

Fraud Detection

The system automatically detects:
Fraudulent documents are flagged and may result in account suspension.

Fraud Response Example


API Integration

For third-party integrations that need to submit KYC documents:

Upload Single Image

Complete KYC Upgrade

Response


Troubleshooting

”Image validation failed”

”Documents don’t match”

  • Front and back should be same document
  • Names should match exactly
  • Dates should be consistent

”OCR confidence too low”

  • Image may be too dark or have shadows
  • Text may be obscured or damaged
  • Ask for better quality photo

KYC Validation Technical

Technical OCR and validation details

Compliance API

Compliance monitoring endpoints