Identities
Identities are your customers, or more specifically, the details about your customers. Every transaction is initiated by an Identity, but how you treat that information is determined by your regional requirements. Some localities require every detail about your customers be tracked, some jurisdictions require no details at all. It’s up to you to know the laws that apply in your individual case.
The Identity information logging by CAS has been determined to satisfy all currently known requirements - but you’ll have to acquire that information by first setting up your AML/KYC settings.
See: AML/KYC Settings
OFAC (and other) watchlists are automatically checked when a new Identity attempts registration. You can eliminate any specific (or all) lists from these automatic checks.
More information: Watchlists
Identities are quickly viewable by clicking on the Identity listed in the Transaction log.
Identity States
The possible classes of Identities are determined by your AML/KYC Settings. These “states” represent the logical progression of your customers through the KYC process defined there.
Awaiting Registration
Your customer has initiated a transaction that requires registration. You must manually inspect their documentation & manually authorize them to allow them to proceed.
Awaiting Verification
Your customer has been registered, but it’s “on hold” while the documents are further verified. This state is assigned when using automated registration services, but the approval has not yet occurred.
Registered
The customer is fully authorized. This is the typical customer when using AML/KYC.
Premium
The customer is fully authorized & registered, and enjoys custom rates or handling.
Anonymous
No Identity details are collected about these customers. All anonymous customers are grouped together as one single entity when considering transaction limits.
When enabled, “Face Capture” will create a new Anonymous Identity for each customer, and the selfie will be stored in that Identity.
Rejected
The customer has been found wanting. No transactions will be permitted.
Be careful with Identity Class assignment!
If your settings only permit Anonymous, then Registered and Not Registered Identities won’t be able to use your BATM.
If you only permit Registered identities, then Identities marked as Not Registered or Anonymous won’t be able to transact.
Identities should be processed, reviewed, and approved to meet your local AML/KYC requirements.
Retain local legal counsel to advise you on your specific jurisdictional requirements.
General Bytes CANNOT and WILL NOT advise you on your local AML/KYC requirements. As an Operator, you must recruit suitable legal counsel to ensure your compliance!
Create, test, and select a notification policy for your terminal. If a customer registers, you won't be automatically notified unless you specifically create and activate a policy!
Identity List
Every state of Identity has their own list. They share some common features (explained here).
| ADD+Manually add an Identity. Enter the basic info & state. Save it, then re-edit to upload documents and other registration pieces. |
| TAGSEdit, Add, or Delete CAS tags used to classify settings. |
| FILTERAllows you to reduce the displayed list length by the selected criterion. |
| SEARCHSearch by Phone Number, Name(s), Email, ID Card Number, Address, Public ID or External ID |
Action: | View the Identity |
Public ID | A pseudo-random ID used as a common reference for the Identity. |
Phone Number | The Phone Number attached to the Identity. |
Updated at | The last update date & time. |
Created by Terminal | The Terminal the customer was at when signing up. |
Name | The Organization that “owns” the Identity. |
Registered by | (Registered only) The Person that registered this Identity. |
Number of Buy Transactions |
|
Number of Sell Transactions |
|
Identity Pieces | A quick view of the number & type of known pieces. |
Action: | View the Identity |
Identity Details
| Identity Settings/Details (default page) |
| List all transaction conducted by this Identity. |
| View the Audit Log for this Identity. |
| Blacklist Identity’s Buy Transaction AddressesQuickly label BUY wallets as scam/illicit/forbidden addresses. |
| Merge IdentitiesWhen 2 (or more) Identities have been created for the same customer, use this option to consolidate the records. |
| Assign TagIdentities assigned a Tag can be organized by that Tag. |
| Create TagTags help you sort Identities (and other items). |
| Suspend IdentityDisables this customer temporarily. |
| Calculate Limit ExpirationProvided with the BATM & amount of transaction, a date can be calculated for a specified amount to be permitted by the applicable AML/KYC limits. |
| Download All Identity ImagesUsed for backup, compliance, or audits. |
| Export Identity to XMLGeneral Data Protection Regulation / California Consumer Privacy Act Create an export file for Identity only. |
| Anonymize All Personal DataGeneral Data Protection Regulation / California Consumer Privacy Act Use this option when an Identity’s personal data must be cleansed. |
Settings
Your BATM customers will have their supporting documents scanned (if applicable) and their data stored in this area.
State: | The current class of the Identity. Change as desired. |
Organization: | The Organization that “owns” the Identity. |
Identity Suspended: | The Identity is temporarily suspended from transacting on the machine - for example when the identity is under investigation.
|
Public ID: | A pseudo-random ID used as a common reference for the Identity. |
Created by Terminal: | the Terminal the customer was at when signing up. |
Created At: | the date and time the Identity was added to the CAS database. |
Organization: | the Organization this Identity belongs to. |
Updated At: | the last update date & time. |
External ID: | used with extensions & external identifiers. See: GitHub |
Last Watchlist Scan At: | the most recent Watchlist scan date & time. See: Watchlists |
Last Watchlist Scan Result: | the most recent Watchlist scan result. See: Watchlists |
Opt-in of marketing messages | This customer has agreed to receive marketing messages. |
Watch transactions | If the Notification Rule 'Watched identity performed transaction' is configured, a notification will be sent to you every time this identity performs a transaction. |
Prohibited from scanning QR codes | Paperwallet printing is required for this identity.
|
No Longer New Customer | Indicates whether this identity should be excluded from the "new customer" classification. Use this option if you want to exclude the identity earlier than specified in the AML/KYC settings. This option will only be evaluated if the identity is considered a new customer based on the rules, otherwise the setting is ignored. |
Customizable Checkbox | Customize the label of this checkbox using the UI customization file. When checked, a customizable dialog for the identity is displayed at the end of the transaction. |
The Watchlist is provided by various governmental agencies to scan for individuals flagged as malicious actors. You must ensure a name is properly entered in the details.
See: Watchlists
Used in conjunction with an Identity Verification service. Manually forces an instant verification/validation.See:
Identity Piece Personal Info
Personal Info should reflect the contents of the identifying document whose “Number” is required to verify the Identity’s identity. All info is optional, and may not be required for every Organization.
Some of this information may be acquired automatically when using an Identity Verification service such as Veriff, Onfido, SumSub, or Telesign.
The information entered here may be pre-filled by an Identity verification service (when used).
The unprocessed response (address only) will be displayed in “Raw Address”.
| Check for duplicates (based on first & last names only). |
| In North America, this queries the selected provider for the information attached to the phone number.
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“Document Valid To” should be set accurately where possible. See: Document Expiration
Custom fields
This data may be added during registration, by an Identity Verification service, or manually.
Add the specified detail manually.
| Changes to any Identity are saved permanently and viewed here. |
| The email entered by the customer during registration. |
| Cell phone numbers used for registration/authorization are listed here. |
| All documents submitted during AML/KYC are located under this tab. |
| Any selfies collected during AML/KYC are found here. |
| Face captures (when enabled) are saved under this tab.
|
| Where used, and completed custom fields are saved here. See: Custom Fields |
Watchlist Scans
Watchlist scans are automatic (by default). Manual scans may be performed on demand.
All identity watch lists (sanction lists) are re-downloaded by CAS every 24 hours.
Use “WATCHLIST SCAN” to immediately scan the current Identity details using one of the supported regional scan lists.
More information: https://generalbytes.atlassian.net/wiki/x/AQALsw
Analytics
Statistics provided for quick analysis here. You may also look at all transactions by clicking the TRANSACTIONS button (at the top of the page).
Limits
Remaining limits for this customer will be displayed on their “Identity” profile. Use this data to help identify limit rejections during a transaction. Each implemented limit will be displayed.
VIP
Use these options to grant any person additional “VIP” limits. You may adjust the limits for this person as you see fit, and/or apply automatic discounts.
To adjust your default limit amounts, see: AML / KYC Settings
The “week” is: US and GB: Sun-Sat, everywhere else: Mon-Sun
Any VIP limits supersede normally applicable limits, however every limit that is defined in “normal” limits (e.g. REGISTERED) should also be defined in the VIP section, or they won’t be applied.
Example:
Period | Normal REGISTERED | VIP | Resulting Limit |
|---|---|---|---|
Cash Limit Per Day | 2000 | 3000 | 3000/day |
Cash Limit Per Week | 6000 |
| 6000/wk |
Cash Limit Per Month | 10000 |
| 10000/mo |
In this case, the Identity would only enjoy the “per Day” increase in his/her limits. The remaining limits for non-VIP would be applied to the transaction.
Notes
Create/delete notes about this Identity and/or approvals/rejections.
Questionnaire Results
Shows the results of a questionnaires that the Identity may have completed.
See: Questionnaires
Export the report if desired.
Owned wallets
Add (or remove) a specific wallet to adjust the customer Travel Rule interrogation flow.
See point 9: EU Specific TR Details and Instructions
Save it!
UPDATE sends the changes to the database.
SUBMIT & CLOSE returns you to the Identity list.