StandardKYCFields

Implements SEP-0009 - Standard KYC Fields for Stellar Ecosystem.

Defines standardized Know Your Customer (KYC) and Anti-Money Laundering (AML) fields for use across the Stellar ecosystem. Anchors, exchanges, and other regulated entities use these fields for consistent identity verification.

This class serves as the top-level container for all SEP-09 KYC information, supporting both individual and business customers.

Implementation version: SEP-0009 v1.18.0

Total fields: 76 across 4 categories

• Natural person: 34 fields (28 text + 6 binary)

• Organization: 17 fields (15 text + 2 binary)

• Financial account: 14 fields

• Card payment: 11 fields

Field categories:

• Natural person fields (individuals) - NaturalPersonKYCFields

• Organization fields (businesses) - OrganizationKYCFields

• Financial account fields (bank accounts, crypto addresses) - FinancialAccountKYCFields

• Card payment fields (credit/debit cards) - CardKYCFields

Use cases:

• Anchor deposit/withdrawal identity verification

• Exchange account registration

• Compliance requirements for regulated transfers

• Cross-border payment identity checks

Example - Natural person:

// Create KYC data for individual customer
val kyc = StandardKYCFields(
    naturalPersonKYCFields = NaturalPersonKYCFields(
        firstName = "John",
        lastName = "Doe",
        emailAddress = "john@example.com",
        birthDate = LocalDate(1990, 1, 15),
        idType = "passport",
        idNumber = "123456789",
        financialAccountKYCFields = FinancialAccountKYCFields(
            bankName = "Example Bank",
            bankAccountNumber = "1234567890"
        )
    )
)

// Extract all fields for submission
val allFields = kyc.fields()
val allFiles = kyc.files()

Example - Organization:

// Create KYC data for business customer
val kyc = StandardKYCFields(
    organizationKYCFields = OrganizationKYCFields(
        name = "Example Corp",
        VATNumber = "123456789",
        registrationNumber = "987654321",
        directorName = "Jane Smith",
        email = "contact@example.com",
        financialAccountKYCFields = FinancialAccountKYCFields(
            bankName = "Corporate Bank",
            bankAccountNumber = "9876543210"
        )
    )
)

Example - With SEP-12 submission:

// Create KYC fields
val kycFields = StandardKYCFields(
    naturalPersonKYCFields = NaturalPersonKYCFields(
        firstName = "John",
        lastName = "Doe",
        emailAddress = "john@example.com"
    )
)

// Submit to SEP-12 KYC service
val request = PutCustomerInfoRequest(
    jwt = authToken,
    kycFields = kycFields
)
val response = kycService.putCustomerInfo(request)

Field format standards:

• Date fields: ISO 8601 date-only (YYYY-MM-DD) via kotlinx.datetime.LocalDate

• Country codes: ISO 3166-1 alpha-3 (3 characters, e.g., "USA")

• Language codes: ISO 639-1 (2 characters, e.g., "en")

• Phone numbers: E.164 format (e.g., "+14155551234")

• Occupation: ISCO08 code (3 characters)

• Binary fields: ByteArray for document images (JPEG, PNG)

Important notes:

• Fields follow ISO standards where applicable

• Document images should be in common formats (JPEG, PNG, PDF)

• Some fields may be required or optional depending on jurisdiction

• Organization fields use "organization." prefix

• Card fields use "card." prefix

See also:

• NaturalPersonKYCFields for individual customer fields

• OrganizationKYCFields for business entity fields

• FinancialAccountKYCFields for bank account information

• CardKYCFields for payment card information

• SEP-0009 Specification

• SEP-0012 Specification for Customer Info API