TOS and KYC

All users must agree to the Tilia Terms of Service to use Tilia. The TOS are presented as part of the TOS flow, and may also be presented as a prerequisite for any other flows.

Know Your Customer (KYC) is a standard verification process that ensures compliance with local regulations. To select a payout method and start receiving payments, users must submit the required personal information via the KYC flow.

About Tilia Terms of Service (TOS)

When a user interacts with one of the Tilia web UIs for the first time (for example, to select a payment method), they are automatically prompted to accept the Tilia TOS. If the TOS has changed since the user last signed, they will be presented with the updated version.

For the latest version of the Tilia TOS, visit Terms of Service.

About Know Your Customer (KYC)

Users receiving funds in their Tilia wallets are required to submit KYC data, which must be validated and accepted by Tilia before funds can be recieved and/or paid out. KYC verification occurs synchronously and asynchronously, and users may need to submit their KYC details multiple times. For more information on KYC data requirements, refer to KYC flow.

You can check the KYC status for an account by calling our kyc endpoint. This endpoint retrieves the state of the latest KYC information that a user had submitted. Accounts must have valid KYC data on file (KYC state must return a value of ACCEPT) to request and receive payouts.

attention

None of our endpoints return actual KYC data submitted by users.

To check an account's KYC status

Another version of this information is available

If you're new to Tilia services, a newer version of this information is available in the User Accounts Tutorials section of these docs, which might be an easier place to start.

Checking KYC status requires an API token with the scope read_kyc.

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curl --location --request GET https://pii.tilia-inc.com/v1/kyc/{account_id} \
--header 'Authorization: Bearer <Access_Token>' \
--header 'Content-Type: application/json' \

Sample response

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{
    "status": "Success",
    "message": [],
    "codes": [],
    "payload": {
        "account_id": "09c9e3ee-8af5-4206-a395-13bba43e4fa2",
        "state": "ACCEPT"
    }
}

Possible values for state are:

Value	Description
`NODATA`	No information has been collected for the account
`NONE`	Information has been successfully collected for tax purposes, KYC has not been run.
`PROCESSING`	KYC data is being actively processed.
`ACCEPT`	The account's KYC data has been verified.
`MANUAL_REVIEW`	The account's KYC data is under manual review by the Tilia Compliance Team.
`DENY`	The account's KYC data has been rejected.
`CANCEL`	Tilia's Compliance Team reached out to the user for more info and never received a response. User can submit new KYC application.
`SYSTEM-CANCELLED`	Application cancelled by the system due to incorrect or incomplete information provided. User can submit a new KYC application.
`REVERIFY`	(Legacy) User needs to resubmit a new KYC application.

attention

In the Staging Environment, KYC data is automatically approved. Thus, after completing the KYC flow, the value for state will always be ACCEPT.

For information on how personal data is used, visit our Privacy Policy.