KYC API

Planning a KYC API integration for Indonesia

A KYC API can provide identity signals to an onboarding or review process, but it does not define the organization's complete compliance program. Scope the technical checks around approved policy and regulatory requirements.

Translate policy into verification scope

Document the identity evidence, exceptions, and approval ownership required for each customer journey. Then select IDVB, IDVS, or IDVC according to the supported signals that process needs.

Keep the API boundary secure

Generate tokens and call verification endpoints from trusted server-side infrastructure. Separate sandbox and production credentials, validate responses, and protect logs from unnecessary identity data.

Never embed Client ID or Client Key in frontend code.
Handle every documented error path.
Restrict credentials to the intended environment.

Operate a reviewable decision process

Record the verification outcome, the policy version used, and any authorized exception without presenting the API response as an automatic compliance determination.

Validate failure and exception paths

Before production, test expired credentials, invalid requests, timeouts, service errors, and outcomes requiring review. Each case should have an accountable owner, a safe user message, and a documented next state.