Verificación KYC y KYB

1. Tu propia verificación (onboarding) — obligatoria: hasta aprobarla, tu cuenta solo puede fondear (payins, depósitos crypto, recibir transferencias) y consultar. Persona ⇒ KYC; empresa ⇒ KYB.
2. Verificación de tus clientes (solo cuentas empresa) — generas links hosteados o envías los datos por API para verificar a tus propios clientes finales, con una comisión fija por verificación.

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Tu propia verificación (onboarding)

curl -X POST https://api.qbank.cl/platform/v1/me/verification/link \
  -H "Authorization: Bearer <token>"

{
  "link_id": "a1b2c3d4-e5f6-4a7b-8c9d-0e1f2a3b4c5d",
  "kind": "kyc",
  "url": "https://…/on/usd/individual/new?invite=abc123…",
  "status": "pending",
  "label": "Ana Pérez",
  "created_at": "2026-07-10T12:00:00Z",
  "updated_at": "2026-07-10T12:00:00Z"
}

curl https://api.qbank.cl/platform/v1/me/verification \
  -H "Authorization: Bearer <token>"

{
  "kyc_status": "pending",
  "required_kind": "kyc",
  "verified": false,
  "link": { "link_id": "a1b2c3d4-…", "kind": "kyc", "url": "https://…", "status": "completed" },
  "submission": { "submission_id": "f0e1d2c3-…", "kind": "kyc", "status": "in_review", "liveness_pending": false }
}

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Verificar a tus clientes (solo cuentas empresa)

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Opción A — Links hosteados (recomendada)

curl -X POST https://api.qbank.cl/platform/v1/kyc/links \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "external_customer_id": "cust_123",
    "label": "Ana Pérez",
    "expires_in_days": 14,
    "idempotency_key": "kyc-link-cust-123-1"
  }'

curl -X POST https://api.qbank.cl/platform/v1/kyb/links \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "external_customer_id": "cust_456",
    "country": "cl",
    "label": "Comercial Andina SpA",
    "expires_in_days": 14,
    "idempotency_key": "kyb-link-cust-456-1"
  }'

• external_customer_id (obligatorio): TU referencia del cliente verificado — la recibes de vuelta en cada webhook y consulta. Los valores self o terminados en :self están reservados para el onboarding de la cuenta y se rechazan con 400 invalid_payload.
• idempotency_key (obligatoria): un retry con la misma clave devuelve el link original y nunca cobra dos veces.
• country (solo KYB): us, cl, ve, br, mx, co, pe, bo, py, ar o generic (con generic_country ISO alpha-2, ej. "ES"). El KYC individual no lleva país.
• expires_in_days (opcional, 1–30): sin enviarlo, el link no vence.

{
  "link_id": "b2c3d4e5-f6a7-4b8c-9d0e-1f2a3b4c5d6e",
  "kind": "kyb",
  "external_customer_id": "cust_456",
  "url": "https://…/on/cl/business/new?invite=abc123…",
  "status": "pending",
  "country": "cl",
  "label": "Comercial Andina SpA",
  "expires_at": 1721209600,
  "verification_fee": "2.000000",
  "created_at": "2026-07-10T12:00:00Z",
  "updated_at": "2026-07-10T12:00:00Z"
}

# Listado con filtros
curl "https://api.qbank.cl/platform/v1/kyb/links?from=2026-07-01&to=2026-07-10&status=completed&page=1&page_size=50" \
  -H "Authorization: Bearer <token>"

# Detalle (estado vivo del link)
curl https://api.qbank.cl/platform/v1/kyb/links/{link_id} \
  -H "Authorization: Bearer <token>"

​

Opción B — Datos por API

curl -X POST https://api.qbank.cl/platform/v1/kyc/submissions \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "external_customer_id": "cust_789",
    "idempotency_key": "kyc-sub-cust-789-1",
    "person": {
      "first_name": "Ana",
      "last_name": "Pérez",
      "email": "ana@ejemplo.com",
      "phone": "+56912345678",
      "nationality": "CHL",
      "date_of_birth": "1990-04-12",
      "tax_id": "12.345.678-5",
      "id_type": "id_card",
      "id_number": "12345678",
      "address": {
        "line1": "Av. Siempre Viva 123",
        "city": "Santiago",
        "state": "RM",
        "postal_code": "8320000",
        "country": "CHL"
      },
      "primary_purpose": "personal_or_living_expenses",
      "most_recent_occupation": "Engineer",
      "source_of_funds": "salary"
    }
  }'

• Países en ISO alpha-3 (CHL, USA, VEN…); fechas YYYY-MM-DD; id_type: passport | id_card | drivers_license.
• KYB: body { external_customer_id, country?, business: {…}, ubos?, directors?, signers?, bank_info?, metadata? } en POST /v1/kyb/submissions.
• No se exige prueba de vida al crear: la submission KYC queda con liveness_pending: true y la cierras con un liveness link.
• Re-enviar con el mismo external_customer_id mientras la submission siga abierta (pending_review, changes_requested, more_info_required) actualiza la misma submission y no cobra de nuevo.

{
  "submission_id": "c3d4e5f6-a7b8-4c9d-0e1f-2a3b4c5d6e7f",
  "kind": "kyc",
  "external_customer_id": "cust_789",
  "status": "pending_review",
  "liveness_pending": true,
  "verification_fee": "1.500000",
  "created_at": "2026-07-10T12:05:00Z",
  "updated_at": "2026-07-10T12:05:00Z"
}

curl "https://api.qbank.cl/platform/v1/kyc/submissions?from=2026-07-01&to=2026-07-10&status=approved&page=1&page_size=50" \
  -H "Authorization: Bearer <token>"

curl https://api.qbank.cl/platform/v1/kyc/submissions/{submission_id} \
  -H "Authorization: Bearer <token>"

​

Documentos por API

curl -X POST https://api.qbank.cl/platform/v1/kyc/submissions/{submission_id}/documents \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
    "category": "identity",
    "filename": "cedula.jpg",
    "content_type": "image/jpeg",
    "file_size": 482133
  }'

{ "upload_url": "https://storage…", "key": "public-api/…", "expires_in": 900 }

curl -X POST https://api.qbank.cl/platform/v1/kyc/submissions/{submission_id}/documents/confirm \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{ "key": "public-api/…", "category": "identity", "filename": "cedula.jpg", "content_type": "image/jpeg" }'

{ "status": "received", "ocr": "queued" }

curl https://api.qbank.cl/platform/v1/kyc/submissions/{submission_id}/documents \
  -H "Authorization: Bearer <token>"

{
  "items": [
    { "category": "identity", "status": "completed", "outcome": "MATCH", "score": 0.97, "summary": "Document matches the submitted identity", "filename": "cedula.jpg" }
  ],
  "meta": { "retrieved": 1 }
}

​

Prueba de vida (liveness link)

curl -X POST https://api.qbank.cl/platform/v1/kyc/submissions/{submission_id}/liveness_link \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{ "expires_in_days": 7 }'

{ "url": "https://…/on/liveness/<token>", "status": "pending", "expires_at": 1751234567 }

• No cobra (el servicio se cobró al crear la submission). Si ya hay un link vigente, el POST devuelve el mismo; si la prueba ya fue superada, 400 liveness_already_completed.
• GET .../liveness_link devuelve el último link y el estado del check ({ "liveness": { "status", "outcome", "passed" } }).
• Al pasar (outcome PASS o REVIEW): la submission limpia liveness_pending y llega el webhook kyc_liveness_completed.

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Una sola verificación para todo (identidad reutilizable)

• Banking para terceros: POST /v1/banking/third-parties exige el verification_id de una verificación aprobada del tercero. El tipo (INDIVIDUAL/COMPANY) sale del kind (KYC ⇒ persona, KYB ⇒ empresa), los datos (nombre, email, dirección) se completan solos desde el perfil verificado, y los documentos ya validados se re-entregan automáticamente al proveedor bancario (documents_synced en la respuesta). Detalle en Banking.
• Tarjetas para personas designadas: POST /v1/cards con un cardholder de persona exige cardholder.verification_id de un KYC aprobado de esa persona. Identidad y documentos del titular salen de la verificación; solo agregas los campos propios del emisor (occupation, salary_usd). Detalle en Tarjetas.
• Tu propia cuenta: tu onboarding aprobado también se reutiliza — al crear tu banking customer o tu primera tarjeta, los datos y documentos faltantes se completan desde tu verificación.

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Informe de compliance (solo KYB)

curl -o report.pdf https://api.qbank.cl/platform/v1/kyb/submissions/{submission_id}/report \
  -H "Authorization: Bearer <token>"

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Webhooks

{
  "account_id": "9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d",
  "kind": "kyc",
  "event": "approved",
  "submission_id": "c3d4e5f6-a7b8-4c9d-0e1f-2a3b4c5d6e7f",
  "external_customer_id": "cust_789",
  "status": "approved",
  "risk_band": "low",
  "decision": "approved"
}

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Costos (configurados por tu operador, pueden ser 0)

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Errores

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Preguntas frecuentes