Know-Your-Customer

Start quickly, verify when you need to

Curnance uses three KYC tiers. Tier 1 gets you started with just your phone and a PIN. Tier 2 and Tier 3 raise your limits and unlock additional features when you are ready.

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What you can do

Tier 1: Sign up in minutes

Register with your phone number, email and a PIN. You can immediately receive money, send to other Curnance users and open a basic wallet in your home currency.

Tier 1: Sign up in minutes

Register with your phone number, email and a PIN. You can immediately receive money, send to other Curnance users and open a basic wallet in your home currency.

Tier 2: Add a government ID

Upload a passport, driver's license or national ID (NIN in Nigeria) and pass a short liveness check. Tier 2 raises your limits and unlocks full bank transfers and the virtual debit card.

Tier 2: Add a government ID

Upload a passport, driver's license or national ID (NIN in Nigeria) and pass a short liveness check. Tier 2 raises your limits and unlocks full bank transfers and the virtual debit card.

Tier 3: Proof of address

Add a recent utility bill or bank statement (within three months) to reach the highest limits and unlock cross-border wallet types. You only need to do this once.

Tier 3: Proof of address

Add a recent utility bill or bank statement (within three months) to reach the highest limits and unlock cross-border wallet types. You only need to do this once.

Why choose us

We set up KYC this way so you can try the app before handing over documents, and we only ask for the documents the feature you want actually requires.

Upload when you need to

Only the features that need higher limits require documents. Most basic use cases work at Tier 1.

Verify once

Your tier applies across every wallet on your account, so you do not need to re-verify for each currency.

Secure document handling

Documents are encrypted at rest and only visible to the compliance team. They are deleted in line with retention policy.

Frequently asked questions

Passport, driver's license or national ID card. In Nigeria, your NIN (National Identification Number) works and our NIN registration page has more details.

Automated checks usually complete in a few minutes. If a manual review is needed it can take up to 24 hours. You get a notification when the review completes.

Only if you want the highest limits or specific wallet types that require it. Most users are comfortable at Tier 2.

Ready to Take Control of Your Finances?

Enjoy the freedom to send, spend and manage your money with Curnance, from wherever you are.

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Unlock exclusive features, get real-time notifications, and manage your finances seamlessly on the go.