# End User Onboarding & KYC

## Overview

There are 3 main steps in the Onboarding & KYC process:

1. End User Account Creation
2. Account Verification
3. Enhanced Due Diligence (EDD), if applicable

These steps are described below.

### Step 1: Account Creation

At this step you will collect the required KYC information for account creation from your users within your application. Then send this information to sFOX to create an account. 

{% hint style="info" %}
KYC information required for account information varies by the type of account you are creating (individual or business account). Reference the account type-specific guides for details.
{% endhint %}

<div align="center"><figure><img src="https://953341424-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSqieKWDmfvEO9Y0sbJUb%2Fuploads%2FLY7cE94WovroUHtqXJ0B%2FOnboarding%20%26%20KYC%20(1).png?alt=media&#x26;token=bc9fd55c-a138-4af0-bb1a-164995973d2d" alt="" width="135"><figcaption></figcaption></figure></div>

### Step 2: Verification

Verifying an end user account is the second step in the sFOX Connect API onboarding flow. Upon successfully creating an account, sFOX will send a verification OTP code directly to the email of the account. You will collect this code from your user and send it to sFOX for verification.

{% hint style="info" %}
Individual accounts are required to complete SMS OTP code verification in addition to the above.
{% endhint %}

<figure><img src="https://953341424-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSqieKWDmfvEO9Y0sbJUb%2Fuploads%2FzxPbteoill3LIl0P2IRG%2FOnboarding%20%26%20KYC%20(2).png?alt=media&#x26;token=4d98eea0-2724-4a2f-9908-b008fcec2ece" alt="" width="375"><figcaption></figcaption></figure>

API interactions include:

* [Request an SMS or email code](https://docs.sfox.com/connect/rest-api/end-users/create-verification-code)
* [Verify an SMS or email code](https://docs.sfox.com/connect/rest-api/end-users/confirm-verification-code)
* [Get the account's verification requirements](https://docs.sfox.com/connect/rest-api/end-users)

After verification, the account will be able to link a bank, deposit, and gain access to sFOX trading and crypto features.

{% hint style="info" %}
**Note:** Individual accounts will need to verify both phone and email. Business/Corporate accounts will only need to verify email.
{% endhint %}

### Interactive Demo

{% embed url="<https://www.figma.com/proto/6mXQsQSDCMuWXSfbPbvjzA/SMS%2FEMAIL-Verification-Prototype?mode=design&node-id=10-4588&page-id=0:1&scaling=contain&starting-point-node-id=10:4588&t=XQfcFTtVYcmMSuDK-1&type=design>" fullWidth="false" %}

### Step 3: Monitor for and Complete Enhanced Due Diligence (EDD) Requests

In some cases, sFOX will require additional information about a user of your app beyond the initial account creation KYC information.

In these cases, an [EDD request](https://docs.sfox.com/connect/rest-api/end-users/get-edd-requests) will be triggered, which will specify which user needs to complete the request and the information required.

To complete the EDD request, collect the requested information from your user and return it to sFOX as an [EDD response](https://docs.sfox.com/connect/rest-api/end-users/create-edd-responses).

## Onboarding Guides

<table data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Individuals</strong></td><td>Create an verify accounts for individual users of your application</td><td><a href="onboarding/individuals">individuals</a></td></tr><tr><td><strong>Businesses</strong></td><td>Create an verify accounts for individual users of your application</td><td><a href="onboarding/businesses">businesses</a></td></tr><tr><td><strong>Enhanced Due Diligence (EDD)</strong></td><td>Monitoring applied to potentially high-risk customers or transactions</td><td><a href="onboarding/enhanced-due-diligence-edd">enhanced-due-diligence-edd</a></td></tr></tbody></table>