How to complete KYC on Onboard Wallet (step-by-step)
Your quick guide to unlock the full Onboard experience
To get the best out of Onboard, you’ll need to verify your identity.
Unverified users can still explore parts of the app, but verification is what unlocks the good stuff like spending with your card, receiving payments, converting between currencies, and more.
Whether you're here to get paid, spend globally, or manage your USD and crypto, verifying your account is your first step.
What you can access
Here’s a breakdown of what features are available based on your verification status:
Feature | No verification | Basic | Full |
|---|---|---|---|
Card access & usage | ❌ | ✅ | ✅ |
USD account (fund with crypto or local currency) | ❌ | ✅ | ✅ |
USD account in your own name (ACH/Wire payments) | ❌ | ❌ | ✅ |
Trading wallet (buy, sell, and hold assets like BTC, SOL, etc) | ❌ | ✅ | ✅ |
Convert crypto to local currency (NGN, KES, IDR, etc) | ❌ | ✅ | ✅ |
Withdrawals to external USD/EUR accounts | ❌ | ❌ | ✅ |
DeFi Wallet (send/receive/swap crypto) | ✅ (up to $100 total if funding/withdrawing cash) | ✅ | ✅ |
DeFi Wallet (fund/withdraw cash > $100 total) | ❌ | ✅ | ✅ |
Once it's complete, you can upgrade to unlock advanced features when needed.
How to verify
Start with basic verification
This unlocks most features and takes just a few minutes.
Recommended way to start:
- From the Accounts page, tap Set up on Cards, USD Account, or Trading.
- You’ll be prompted to begin Basic Verification. You'll need to:
- Fill in your name, address, and phone number
- Upload a valid government-issued ID
- Take a quick selfie
And that’s it! Most reviews are completed in under 15 minutes, and you’ll be notified once you’re verified.
Once done, you’ll be able to:
- Create and fund a virtual card
- Fund your Onboard USD balance with local currency & crypto
- Trade or hold BTC, SOL, and more with your Trading wallet
- Withdraw to local currency accounts.
- Fund and withdraw above $100 with your DeFi Wallet
Need Full Verification?
Once you've completed the basic verification, you'll only be prompted to upgrade if you try to access a feature that requires full verification - like viewing your USD account details in your own name.
Recommended way to upgrade:
- From your USD Account, tap Details. You’ll be prompted to upgrade if needed.
- You’ll need to:
- Enter a National ID number (e.g. NIN, BVN, Tax ID)
- Upload a proof of address (e.g. utility bill or bank statement)
- Answer a few questions (like your source of funds and account purpose)
Reviews are usually completed within 48 hours.
Once upgraded, you’ll be able to:
- View your full USD account details in your own name
- Receive ACH/Wire payments with this account
- Send and receive funds with external USD/EUR bank accounts
Frequently Asked Questions
1. What documents do I need to verify?
- For Basic Verification, you’ll need a valid government-issued ID (e.g. passport, Driver’s License, or national ID) and a quick selfie.
- For Full verification, you’ll also need a proof of address (e.g. utility bill, bank statement), issued in your own name, and a national ID number (like NIN, BVN, or Tax ID).
2. What countries are supported?
Most countries are supported for verification - but due to compliance reasons, some regions may have limited access.
You can search for your country in this list to see if it’s supported for specific features like cards, USD accounts, trading wallets, etc.
View the list of supported countries →
3. Are there any unsupported countries?
Yes - some countries have limited access due to compliance regulations.
If you're in one of these countries, you’ll still be able to use non-verification features (like swapping or receiving crypto), but you won’t be able to complete verification or access features that require it.
View the list of unsupported countries →
4. How long does verification take?
- Basic Verification: Usually under 15 minutes
- Full Verification: Typically within 48 hours
We’ll notify you once it’s complete.
If it takes longer, feel free to reach out via in-app chat or email us at support@onboard.xyz.
5. Why am I being asked to submit my ID again during Full Verification?
In rare cases, we may need you to re-submit your ID.
Sometimes, your initial upload may not quite meet the requirements for full verification - maybe the image wasn’t clear enough, or more checks are needed to meet compliance standards.
It doesn’t happen often, and we’ll review it as quickly as possible once re-submitted.
6. What happens if my verification fails?
If your verification is unsuccessful, you’ll be notified with next steps - usually a request to re-upload documents or correct details.
You can also always reach out to Support via the in-app chat or by emailing support@onboard.xyz
Updated on: 19/07/2025
Thank you!