Individual KYC Requirements - HK

Below are the KYC requirements for Hong Kong (HK) individual onboarding.

When your platform enables deferred identity verification, identification-related fields become optional at submission. You can still collect and send them, but Airwallex will only verify the data once the deferred verification threshold is reached.

Verification requirements

Parameter	Type	Description	Regular onboarding	Deferred IDV
`account_details`	object	Relevant information associated with Airwallex account.	Required	Required
`account_details.individual_details`	object	General information about the individual, such as their name, address, and other relevant details.	Required	Required
`account_details.individual_details.residential_address`	object	Residential address of the individual.	Required	Required
`account_details.individual_details.residential_address.address_line1`	string	The first line of a physical address, typically including the street number and name of the building or residence. A P.O. box is not acceptable.	Required	Required
`account_details.individual_details.residential_address.address_line2`	string	The second line of the address, such as apartment, suite, or unit number.	Optional	Optional
`account_details.individual_details.residential_address.country_code`	string	Country code. (2-letter ISO 3166-2 country code)	Required	Required
`account_details.individual_details.residential_address.postcode`	string	Postal code or zip code. Only applicable if relevant to selected country.	Optional	Optional
`account_details.individual_details.residential_address.state`	string	Name of state. Only applicable if relevant to selected country.	Optional	Optional
`account_details.individual_details.residential_address.suburb`	string	Name of city/suburb.	Optional	Optional
`account_details.individual_details.date_of_birth`	string (date)	Birth date of the individual in `YYYY-MM-DD` format.	Required	Required
`account_details.individual_details.first_name`	string	First name (given name) of the individual.	Required	Required
`account_details.individual_details.middle_name`	string	Middle name of the individual.	Optional	Optional
`account_details.individual_details.last_name`	string	Last name (family name) of the individual.	Required	Required
`account_details.individual_details.other_names`	object	Alias or other names of the individual if different from legal name.	Required if different from legal name	Required if different from legal name
`account_details.individual_details.other_names.first_name`	string	First name (given name) of the individual if different.	Required if different from legal name	Required if different from legal name
`account_details.individual_details.other_names.last_name`	string	Last name (family name) of the individual if different.	Required if different from legal name	Required if different from legal name
`account_details.individual_details.other_names.middle_name`	string	Middle name of the individual if different.	Required if different from legal name	Required if different from legal name
`account_details.individual_details.live_selfie_file_id`	string	File id for live-photo of the individual.	Optional	Optional
`account_details.individual_details.identifications`	object	Details of the individual for identity verification, such as a passport, driver's license, or other government-issued ID card.	Required	Optional
`account_details.individual_details.identifications.primary`	object	Identical to `account_details.individual_details.identifications`	Required	Optional
`account_details.individual_details.identifications.primary.identification_type`	string	Type of identification. One of `DRIVERS_LICENCE`, `PASSPORT`, `PERSONAL_ID`.	Required	Optional
`account_details.individual_details.identifications.primary.issuing_country_code`	string	Country where the document is issued. (2-letter ISO 3166-2 country code)	Required	Optional
`account_details.individual_details.identifications.primary.drivers_license`	object	Driver's license.	Optional	Optional
`account_details.individual_details.identifications.primary.drivers_license.back_file_id`	string	File id of the photo of the back of the document.	Optional	Optional
`account_details.individual_details.identifications.primary.drivers_license.front_file_id`	string	File id of the photo of the front of the document.	Optional	Optional
`account_details.individual_details.identifications.primary.passport`	object	Passport.	Optional	Optional
`account_details.individual_details.identifications.primary.passport.front_file_id`	string	File id of the photo of the front of the document.	Optional	Optional
`account_details.individual_details.identifications.primary.personal_id`	object	Other government-issued ID card.	Optional	Optional
`account_details.individual_details.identifications.primary.personal_id.back_file_id`	string	File id of the photo of the back of the document.	Optional	Optional
`account_details.individual_details.identifications.primary.personal_id.front_file_id`	string	File id of the photo of the front of the document.	Optional	Optional
`account_details.individual_details.nationality`	string	Nationality of the individual. (2-letter ISO 3166-2 country code).	Required	Required
`account_details.individual_details.phone_number`	string	Phone number of the account user, used for identity verification.	Optional	Optional
`account_details.individual_details.occupation`	string	Occupation of the individual. One of `ACCOUNTANT`, `ADMINISTRATION`, `ARCHITECTURE`, `ARTIST`, `ATHLETE`, `BEAUTY`, `BUSINESSMAN`, `CONSTRUCTION`, `COOK`, `DELIVERY`, `DESIGNER`, `ENGINEER`, `FINANCE`, `GOVERNMENT`, `HEALTHCARE`, `INSURANCE`, `JOURNALIST`, `LEGAL`, `MANAGER`, `MARKETING`, `MEDIA`, `MILITARY`, `NURSE`, `OFFICER`, `OTHERS`, `PILOT`, `PROGRAMMER`, `PRODUCTION`, `REAL_ESTATE`, `SALESPERSON`, `SELF_EMPLOYMENT`, `STUDENT`, `SURVEYOR`, `TEACHER`, `TECHNICIAN`, `TRAVEL`, `UNEMPLOYED`, `WAITER`.	Optional	Optional
`account_details.individual_details.employer`	object	Information of the individual's employer.	Optional	Optional
`account_details.individual_details.employer.industry_category_code`	string	The code of the industry category most aligned with the individual's employer. Please navigate to the 'Supporting Services' > 'Reference Data' > 'Industry categories' section for an endpoint to pull a tree of categories.	Optional	Optional
`account_details.individual_details.employer.business_name`	string	Name of the employer.	Optional	Optional
`account_details.individual_details.employer.business_identifiers`	object	Local business registration number i.e. an official signal of identification for the business.	Optional	Optional
`account_details.individual_details.employer.business_identifiers.number`	string	Local business registration number i.e. an official signal of identification for the business.	Optional	Optional
`account_details.individual_details.employer.business_identifiers.type`	string	Type of business registration number, depending on what's applicable to the country the business is registered in. BRN, ABN, ACN, EIN, SSN, VAT, UTR, CRN, TFN, OTHERS.	Optional	Optional
`account_details.individual_details.employer.business_identifiers.country_code`	string	Country code. (2-letter ISO 3166-2 country code).	Optional	Optional
`account_details.individual_details.estimated_monthly_income`	object	Estimate of monthly income.	Optional	Optional
`account_details.individual_details.estimated_monthly_income.currency`	string	Currency of the income. (3-letter `ISO` 4217 currency code)	Optional	Optional
`account_details.individual_details.estimated_monthly_income.amount`	string	Estimate of monthly income amount.	Optional	Optional
`account_details.individual_details.account_usage`	object	Information on how the account will be used, such as sending/receiving countries and monthly volume.	Required	Required
`account_details.individual_details.account_usage.card_usage`	array of strings	Ways in which the account will use Airwallex borderless cards. Choose all that apply: `GENERAL_EXPENSES`, `BUSINESS_EXPENSES`, `EDUCATION`, `TRAVEL_TRANSPORT`, `INSURANCE`, `SERVICES`, `BILLS_UTILITIES`, `INVESTMENT`, `FEES_CHARGES`, `HEALTHCARE`, `HOUSING`, `NO_CARD_USAGE`.	Required	Required
`account_details.individual_details.account_usage.collection_country_codes`	array of strings	Countries from which the account will be collecting funds. (2-letter `ISO` 3166-2 country code)	Required	Required
`account_details.individual_details.account_usage.collection_from`	array of strings	Sources and counterparties from which the account will be collecting funds. Choose all that apply: `ALLOWANCE_FROM_FAMILY`, `BENEFITS_FROM_STATE`, `EMPLOYMENT_INCOME`, `INVESTMENT_INCOME_NONPROPERTY`, `INCOME_FROM_PROPERTY`, `INCOME_FROM_MARKETPLLACES`, `INSURANCE`, `LOANS`, `SAVINGS`, `OTHER_THIRD_PARTIES`, `PAYMENT_REFUNDS`.	Required	Required
`account_details.individual_details.account_usage.expected_monthly_transaction_volume`	object	Estimate of expected monthly transaction volume.	Required	Required
`account_details.individual_details.account_usage.expected_monthly_transaction_volume.currency`	string	Currency of the monthly transaction volume.. (3-letter ISO 4217 currency code)	Required	Required
`account_details.individual_details.account_usage.expected_monthly_transaction_volume.amount`	string	Estimate of the expected amount of money to be collected or paid out each month.	Required	Required
`account_details.individual_details.account_usage.payout_country_codes`	array of strings	Countries to which the account will be paying funds. (2-letter ISO 3166-2 country code)	Required	Required
`account_details.individual_details.account_usage.payout_to`	array of strings	Beneficiaries and counterparties to which the account will be paying funds. Choose all that apply: `CONNECTED_AWX_ACCOUNT`, `EDUCATIONAL_INSTITUTIONS`, `FRIENDS_OR_RELATIVES`, `MARKETPLACE_PLATFORM`, `MARKETPLACE_SELLERS`, `MOBILITY_PLATFORM`, `OTHER_THIRD_PARTY_INDIVIDUALS`, `OWN_BANK_ACCOUNT`, `OTHER_THIRD_PARTY_BUSINESSES`, `SECURITIES_BROKERS`.	Required	Required
`account_details.individual_details.account_usage.product_reference`	array of strings	Intended product usage. Choose all that apply: `CREATE_CARDS`, `MAKE_TRANSFERS`, `MARKETPLACE_WALLET`, `MOBILITY_WALLET`, `OTHERS`, `PAYROLL_WALLET`, `RECEIVE_TRANSFERS`, `TRADE_SECURITIES`, `TUITION_PAYMENTS`.	Required	Required
`account_details.legal_entity_type`	string	Type of account. Defaults to `INDIVIDUAL`.	Required	Required
`identifier`	string	An ID to identify the account user on the client's platform. For platforms with public user profiles, this should be a link to the user profile (e.g. for a live streaming platform, a link to the content creator's channel should be provided).	Required	Required
`customer_agreements`	object	Agreements collected from the user, such as acceptance of terms and conditions, or opt in for marketing.	Required	Required
`customer_agreements.agreed_to_data_usage`	boolean	Consent to Airwallex using the provided data, including consent for Airwallex to verify the identity of relevant individuals with Airwallex service providers and database owners in accordance with the Identity Verification Terms.	Required	Required
`customer_agreements.agreed_to_terms_and_conditions`	boolean	Agreement to abide by the Airwallex terms and conditions.	Required	Required
`customer_agreements.agreed_to_biometrics_consent`	boolean	Consent to Airwallex collecting and processing the biometrics data (applicable if liveness check is conducted, see Deferred identity verification).	Required	Required
`primary_contact`	object	Contact information for the primary contact of the Airwallex specified account. It is required to provide at least one form of contact information.	Required	Required
`primary_contact.email`	string	A valid email address.	Required	Required
`primary_contact.mobile`	string	Contact mobile number.	Optional	Optional

Account payload

JSON
1{
2  "account_details": {
3    "individual_details": {
4      "account_usage": {
5        "card_usage": ["GENERAL_EXPENSES"],
6        "collection_country_codes": ["HK", "GB"],
7        "collection_from": ["EMPLOYMENT_INCOME"],
8        "expected_monthly_transaction_volume": {
9          "amount": "50000",
10          "currency": "USD"
11        },
12        "payout_country_codes": ["HK", "GB"],
13        "payout_to": ["MARKETPLACE_PLATFORM", "MARKETPLACE_SELLERS"]
14      },
15      "residential_address": {
16        "address_line1": "34/F, Oxford House,979 King's Road,Quarry Bay",
17        "country_code": "HK"
18      },
19      "date_of_birth": "1970-11-28",
20      "first_name": "Alice",
21      "last_name": "Smith",
22      "nationality": "HK",
23      "live_selfie_file_id": "string",
24      "identifications": {
25        "primary": {
26          "identification_type": "PERSONAL_ID",
27          "issuing_country_code": "HK",
28          "passport": {
29            "front_file_id": "string"
30          }
31        }
32      }
33    },
34    "legal_entity_type": "INDIVIDUAL"
35  },
36  "customer_agreements": {
37    "agreed_to_data_usage": true,
38    "agreed_to_terms_and_conditions": true,
39    "agreed_to_biometrics_consent": true
40  },
41  "identifier": "string",
42  "primary_contact": {
43    "email": "[email protected]"
44  }
45}

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