---
# System prepended metadata

title: 'Integrating KYC APIs (Mono, Plaid, and Tink)'

---

---
tag: product
---

# Integrating KYC APIs (Mono, Plaid, and Tink)

*This part of the Sign Up flow redesign will come after the user has verified their email address.*

Founders, Investors an almost all other users will need to go through some sort of KYC at some point... We have discussed where and when is the best place to do this, however we've found a way in which we might be able to show the benefit earlier on if done via an API.

Mono, Plaid, and Tink are services that provides cross-party identity verification in Africa, America, and Europe. If users connect one of these accounts to Raise it will not only save them time with KYC, but it will also allow us to scan their accounts for any companies under their management or shareholdings they own. We can then sync this data with their Raise account for them.

***For the time being, these services will only be used for identity verification rather than linking bank accounts!***

## Developer Resources

### [Mono](https://mono.co/)

[Documentation](https://docs.mono.co/docs)

### [Plaid](https://plaid.com)

[Quickstart](https://plaid.com/docs/quickstart/)

[Documentation](https://plaid.com/docs/)

### [Tink](https://tink.com/platform/)

[Documentation](https://docs.tink.com/?_gl=1*1a8m1ir*_ga*MjAzMTY0MDEwOS4xNjE5NTM0MDcy*_ga_HYT25VB5GH*MTYxOTYwODU4Ny4zLjEuMTYxOTYwODU5NC4w)


## Pages

### Choose Your Provider

On this first screen the user can choose either one of the 3rd party providers, or enter their details manually. Alternatively, they can skip this process for now and continue it at a later stage within the application.

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D14075%253A0" allowfullscreen></iframe>

### Mono

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D13667%253A6056" allowfullscreen></iframe>

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D13667%253A6102" allowfullscreen></iframe>

### Plaid

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D14075%253A162" allowfullscreen></iframe>

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D14075%253A194" allowfullscreen></iframe>

### Tink

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D13681%253A112" allowfullscreen></iframe>

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D13681%253A154" allowfullscreen></iframe>

### Manual Entry

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D13667%253A6077" allowfullscreen></iframe>

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2Fa9FkhiYKeR5MUvlVSx7x4x%2FUser-Onboarding%3Fnode-id%3D13667%253A6140" allowfullscreen></iframe>

---

## KYC Status & Variables

Users will have to keep an eye on whether or not their KYC process has been succussful or not.

There are three states to a user's KYC journey:

- In review
- Complete
- Failed

The user can see the state of this journey by viewing a badge on their side menu (next to Account), or within the KYC section on their Account page itself. 

### Desktop View

#### In badge form

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2FW26Lo2Rw2WIFd21zjEMivw%2FUser-Dashboard%3Fnode-id%3D340%253A1" allowfullscreen></iframe>

#### In banner form

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2FW26Lo2Rw2WIFd21zjEMivw%2FUser-Dashboard%3Fnode-id%3D341%253A3447" allowfullscreen></iframe>

#### If Failure

If the user's KYC process has been unsuccessful (i.e the legal team has denied them verification), they should be able to "Try again". 

This would open the KYC form again in the form of a modal (below), allowing them to use one of the API services or again manually upload their information. 

I suggest this reopens the KYC Modal, prompting them to reupload any required information. The alternative would be to send them an email with the listed reasons of failure and a contact email to get help from the legal/compliance team.

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2FW26Lo2Rw2WIFd21zjEMivw%2FUser-Dashboard%3Fnode-id%3D495%253A6638" allowfullscreen></iframe>

...

### Mobile View

The mobile view of the KYV verification badge/banner would also be viewed in the user's side menu and Account/Settings page.

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2FKbc4pBtdY9MEVzDxAdSnXN%2FRaise-Design-System%3Fnode-id%3D297%253A1041" allowfullscreen></iframe>

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2FW26Lo2Rw2WIFd21zjEMivw%2FUser-Dashboard%3Fnode-id%3D341%253A5169" allowfullscreen></iframe>

...

### Components

<iframe style="border: 1px solid rgba(0, 0, 0, 0.1);" width="800" height="450" src="https://www.figma.com/embed?embed_host=share&url=https%3A%2F%2Fwww.figma.com%2Ffile%2FKbc4pBtdY9MEVzDxAdSnXN%2FRaise-Design-System%3Fnode-id%3D2235%253A12767" allowfullscreen></iframe>

