Identity Verification & KYC

To comply with financial regulations, all UMA users must verify their identity before sending or receiving money. This process is known as KYC (Know Your Customer).

Why Is Verification Required?

Identity verification is required by law across all regions where UMA is available. Verification helps protect users, prevent fraud, and ensure compliance with anti-money laundering (AML) and other financial regulations.

Until you complete identity verification, you will not be able to send or receive money using your UMA address.

What Do I Need to Create an Account?

To create a UMA account, you must have all of the following associated with the country you are registering in:

• A phone number from that country
• Proof of residency in that country
• A bank account based in that country

If any of these do not match your registration country, you will not be able to complete account setup.

What Does Verification Involve?

Follow the on-screen prompts during account setup to complete your verification. Requirements vary by region, but in general you may be asked to provide:

• Personal information (name, date of birth, address, nationality)
• A government-issued photo ID (passport, national identity card, or residence permit)
• A selfie or liveness check
• Confirmation of your country of residence and citizenship

⚠️ All information submitted must exactly match your government-issued ID and proof of residency. If any information is missing, inconsistent, or cannot be verified, your account will be placed on hold until the issue is resolved. Please submit a support ticket if your account is on hold and our team will assist you.

⚠️ PDFs are not accepted as identity documents. Please submit photos or scans of the originals.

How Long Does Verification Take?

Verification typically completes within 30 seconds. In some cases it may take longer — if there is a delay, you will receive a notification once it is complete.

Tips for a Successful Verification

• Ensure your documents are clear, fully visible, and unedited.
• Your selfie must clearly match your photo ID.
• Try a different browser or device and clear your cache and cookies if you encounter technical issues.
• If prompted to scan a QR code, use your mobile device to complete the process.

What If My Verification Fails?

If verification fails, you will receive an email with instructions on next steps. Common reasons include:

• Documents that are blurry, cropped, or expired
• A selfie that doesn't clearly match the photo ID
• Mismatched information between what was entered and what appears on the documents

If you've reviewed the tips above and are still having trouble, please submit a support ticket and our team will assist you.

Do I Need to Authorize Payments to My Bank?

Yes. To enable UMA payments to your bank or payment account, you must complete the required authorization during onboarding. Depending on your region, this may involve accepting a payment authorization agreement or agreeing to applicable terms and conditions during setup.

Questions About KYC or Eligibility?

KYC requirements and eligibility vary by region. If you have any questions about your verification status, eligibility, or required documents — regardless of your location — please submit a support ticket and our team will be happy to help.