> For the complete documentation index, see [llms.txt](https://tradesman.gitbook.io/lv8r-labs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://tradesman.gitbook.io/lv8r-labs/micropay/kyc.md).

# Identity Verification

## Overview

MicroPay provides multi-layer identity verification that scales from individual KYC to enterprise-grade KYB, with on-chain asset verification (KYA) for the production stack.

## Verification Layers

### Know Your Customer (KYC)

| Check                      | Method                                                 |
| -------------------------- | ------------------------------------------------------ |
| **Document Validation**    | Government-issued ID scanning with authenticity checks |
| **Biometric Verification** | Facial recognition matched against document photo      |
| **Address Verification**   | Utility bill / bank statement cross-reference          |
| **Risk Scoring**           | Composite score from multiple verification signals     |
| **Sanctions Screening**    | OFAC, EU sanctions lists, PEP databases                |

### Know Your Business (KYB)

| Check                    | Method                                                               |
| ------------------------ | -------------------------------------------------------------------- |
| **Entity Verification**  | Business registration across 140+ jurisdictions (via OpenCorporates) |
| **Beneficial Ownership** | UBO identification and verification                                  |
| **Trade License**        | State license board checks for regulated trades                      |
| **Compliance Status**    | Active standing, tax compliance, regulatory filings                  |

### Know Your Asset (KYA)

| Check                     | Method                                     |
| ------------------------- | ------------------------------------------ |
| **On-Chain Provenance**   | Asset ownership trail on Accumulate ADI    |
| **Encumbrance Check**     | Liens, mortgages, and competing claims     |
| **Valuation Attestation** | Third-party appraisal anchored at creation |

## Integration

MicroPay KYC integrates with [tradesman-verify](/lv8r-labs/lv8r-labs/tradesman-verify.md) for contractor credentialing — a single verification flow that confirms both identity and trade qualification.

→ [Contractor Compliance](/lv8r-labs/shared/contractor-compliance.md) · [Fraud Prevention](/lv8r-labs/micropay/fraud.md) · [About MicroPay](/lv8r-labs/micropay/micropay.md)


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