> ## Documentation Index
> Fetch the complete documentation index at: https://guides.saber.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Compares Saber's three KYC methods (Sharing, Widget, Partner URL), per-flow currency support, required documents, approval, and bank account addition.

KYC (Know Your Customer) verifies user identity before they can onramp or offramp, in line with local and international regulatory standards.

## Types of KYC

<Tabs>
  <Tab title="KYC Sharing">
    You verify the user yourself and submit the details to Saber for record-keeping — Saber doesn't re-verify.

    <Note>
      Indian users still need a bank account added via API even when onboarded through KYC Sharing.
    </Note>

    See [KYC Sharing](/user/kyc/sharing) for the full field reference.
  </Tab>

  <Tab title="KYC Widget">
    Saber handles document collection, verification, and status updates end-to-end, including automated bank account addition for Indian users (this automation can be disabled).

    Append `redirect_url=<url-encoded-url>` as the last query parameter to return the user to your app when they exit the flow.

    See [KYC Hosted Widget](/user/kyc/widget) for setup.
  </Tab>

  <Tab title="KYC Partner URL">
    Saber's partner handles verification. You generate a KYC URL via an endpoint and redirect the user to it.

    <Warning>
      Mandatory for USD Onramp — completed via Persona. USD doesn't support KYC Sharing or the KYC Widget.
    </Warning>

    Because the returned URL is a Persona URL, the redirect-back parameter here is `redirect-uri=<url-encoded-url>`.

    See [Partner URL](/user/kyc/partner-url) for the full reference.
  </Tab>
</Tabs>

## Supported approach by flow

| Flow    | Currency | Supported approach      |
| ------- | -------- | ----------------------- |
| Offramp | INR      | KYC Widget, KYC Sharing |
| Offramp | PHP, IDR | KYC not required        |
| Offramp | EUR, GBP | KYC Widget, KYC Sharing |
| Onramp  | USD      | KYC Partner URL         |
| Onramp  | EUR, GBP | KYC Widget, KYC Sharing |

<Warning>
  This table lists PHP and IDR offramp as not requiring KYC. This conflicts with the currency-specific PHP Offramp and IDR Offramp guide pages, which both currently document a mandatory KYC step. This discrepancy needs to be resolved with engineering/product before either page is published — don't treat one as authoritative over the other yet.
</Warning>

## Steps

<Steps>
  <Step title="Create the user">
    Create the user in Saber. See [User Creation](/user/registration).
  </Step>

  <Step title="Complete KYC">
    Submit details via API (KYC Sharing), automate it via the Widget, or generate a URL via the Initiate KYC API (Partner URL) — whichever method the flow supports.
  </Step>
</Steps>

## Key points

<AccordionGroup>
  <Accordion title="Required documents">
    Aadhaar + PAN for Indian users. For everyone else: a passport, driver's license, or locally accepted national ID, plus proof of address.
  </Accordion>

  <Accordion title="Approval">
    Only KYC-approved users can transact.
  </Accordion>

  <Accordion title="Bank account requirement">
    Mandatory for Indian users after KYC approval — automated via the Widget, manual via API for KYC Sharing. Optional for non-Indian users depending on the flow.
  </Accordion>
</AccordionGroup>

## Related pages

<CardGroup cols={2}>
  <Card title="KYC Sharing" icon="file-signature" href="/user/kyc/sharing" cta="View guide" arrow="true" />

  <Card title="KYC Hosted Widget" icon="window" href="/user/kyc/widget" cta="View guide" arrow="true" />

  <Card title="Partner URL" icon="link" href="/user/kyc/partner-url" cta="View guide" arrow="true" />

  <Card title="KYC Webhooks" icon="webhook" href="/user/kyc/webhooks" cta="View guide" arrow="true" />
</CardGroup>


## Related topics

- [Overview](/offramp/overview.md)