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

# Liveness Checks

> Enhanced verification for UBOs.

Business users incorporated in certain countries must have qualifying Ultimate Beneficial Owners (UBOs) complete a hosted identity and liveness check before USD virtual accounts can be enabled.

## Countries

The following countries require qualifying UBOs to complete biometric liveness verification before USD virtual accounts can be enabled.

| Country      | ISO Code | Capability          |
| :----------- | :------- | :------------------ |
| Bolivia      | BO       | USD Virtual Account |
| India        | IN       | USD Virtual Account |
| Nigeria      | NG       | USD Virtual Account |
| Panama       | PA       | USD Virtual Account |
| Philippines  | PH       | USD Virtual Account |
| Saudi Arabia | SA       | USD Virtual Account |
| Vietnam      | VN       | USD Virtual Account |

## Requirements

<CardGroup cols={1}>
  <Card title="10% UBO threshold" icon="users">
    All UBOs with 10% ownership or above must complete full individual KYC
    before the entity can be approved.
  </Card>

  <Card title="Hosted liveness check" icon="camera">
    Qualifying UBOs must complete biometric liveness verification.
  </Card>
</CardGroup>

## Integration Guide

<Card title="Implement liveness checks" icon="code" href="/guides/liveness-checks">
  Learn how to interpret the KYC Status response, identify UBOs who still need
  to act, and send them to the hosted verification flow.
</Card>

## Related Pages

* [Coverage](/coverage)
* [USD Rail](/rails/usd)
* [Regions](/compliance/regions)
* [KYC Links](/features/kyc-links)
* [KYC Requirements](/kyc/kyc-requirements)
* [KYB Status](/kyc/kyb-status)
* [Liveness Checks guide](/guides/liveness-checks)