> ## 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

> Show UBOs the hosted liveness check required to enable USD virtual accounts.

Some business users require their Ultimate Beneficial Owners (UBOs) to complete a liveness check before USD virtual accounts can be enabled.

<Note>
  Complete the normal KYB submission first. See [Liveness
  Checks](/compliance/liveness-checks) for the countries and ownership threshold
  that require this flow.
</Note>

## How It Works

<Steps>
  <Step title="Check the business status">
    Call the KYC Status API after submitting KYB.
  </Step>

  <Step title="Find incomplete UBOs">
    Look for UBOs with `status: "INCOMPLETE"` and a `liveness` URL.
  </Step>

  <Step title="Show each UBO their link">
    Send the corresponding `liveness` URL to the UBO. Sumsub handles the hosted
    verification flow.
  </Step>

  <Step title="Wait for completion">
    Continue checking the business status until no required UBO remains
    incomplete, then wait for HIFI to enable virtual accounts for the profile.
  </Step>
</Steps>

## Check the Business Status

Call [Retrieve KYC Status](https://docs.hifi.com/api-reference/kyc/retrieve-kyc-status) for the USD rail.

```bash theme={null}
curl --request GET \
  --url "https://sandbox.hifibridge.com/v2/users/USER_ID/kyc/status?rails=USD" \
  --header "accept: application/json" \
  --header "authorization: Bearer YOUR_API_KEY"
```

When liveness checks are outstanding, the response includes:

* A top-level `status` of `PENDING`
* `NOT_ALL_CHECKS_COMPLETED` in `reviewResult.rejectReasons`
* An `INCOMPLETE` UBO with a `liveness` URL

<Accordion title="View relevant response fields">
  ```json theme={null}
  {
    "status": "PENDING",
    "reviewResult": {
      "reviewAnswer": "APPROVED",
      "rejectReasons": ["NOT_ALL_CHECKS_COMPLETED"]
    },
    "details": {
      "ultimateBeneficialOwners": {
        "details": [
          {
            "id": "33673710-8cd7-407b-81a3-01f105970baf",
            "status": "INCOMPLETE",
            "message": "Please complete [selfie, phone_verification].",
            "liveness": "https://in.sumsub.com/websdk/p/sbx_BsHt7ee3DsGcSsSi"
          }
        ]
      }
    }
  }
  ```
</Accordion>

<Warning>
  Use the top-level `status` as the completion signal. A `reviewAnswer` of
  `APPROVED` does not mean the business is ready while `status` is `PENDING`.
</Warning>

## Show Each UBO Their Link

Inspect every item in `details.ultimateBeneficialOwners.details`. For each incomplete UBO with a `liveness` URL, show the API message and a link to the hosted flow.

```tsx theme={null}
const owners =
  status.details?.ultimateBeneficialOwners?.details ?? [];

const incompleteOwners = owners.filter(
  (owner) => owner.status === "INCOMPLETE" && owner.liveness
);

return incompleteOwners.map((owner) => (
  <section key={owner.id}>
    <p>{owner.message}</p>
    <a href={owner.liveness}>Complete verification</a>
  </section>
));
```

<Info>
  Each UBO has their own `liveness` URL. Show the URL only to the corresponding
  UBO, and do not construct or modify it.
</Info>

## Wait for Virtual Account Enablement

After the UBO completes the Sumsub flow, continue calling Retrieve KYC Status. Keep the business pending while any UBO is `INCOMPLETE` or the response includes `NOT_ALL_CHECKS_COMPLETED`.

Do not attempt to create a virtual account while a required UBO remains incomplete. A top-level `status` of `ACTIVE` confirms that the compliance review is complete; virtual-account availability is enabled for the profile by HIFI.

## Related Pages

* [Liveness Checks](/compliance/liveness-checks)
* [KYB Status](/kyc/kyb-status)
* [Submit KYC](/guides/submit-kyc)