> ## 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.

# Overview

> To comply with financial regulations, HIFI enforces KYC (Know Your Customer) and KYB (Know Your Business) checks before a User can receive funds from fiat (onramps) or pay out to fiat (offramps).

## KYC & Rails

A Rail is a payment corridor that enables payins or payouts to specific regions. Each rail has different KYC requirements depending on what it enables.

| Rail                | Access                                                | Notes                                        |
| ------------------- | ----------------------------------------------------- | -------------------------------------------- |
| USD Rail            | Payins and payouts to the US via ACH, Wire, or RTP    | Full USD coverage, includes virtual accounts |
| Global Network Rail | Payouts to select corridors in Asia and Africa        | Multi-currency support across key markets    |
| Africa Rail (Beta)  | Payins and payouts across supported African countries | Local currency settlement                    |

<Card title="Explore rails" href="/docs/rails" arrow>
  View supported rails and their KYC requirements
</Card>

## KYC Requirements

Before submitting KYC information, call the KYC Requirements endpoint to see what documents and information are needed for a specific user and rail combination.

<CodeGroup>
  ```http Request theme={null}
  GET https://sandbox.hifibridge.com/v2/users/{userId}/kyc/requirements?rails=USD
  Authorization: Bearer <token>
  ```
</CodeGroup>

<Card title="KYC Requirements Guide" href="/kyc/kyc-requirements" arrow>
  Learn about the endpoint and response structure
</Card>

## Submit KYC

Once you've gathered and uploaded the required information for the User, submit it using the [KYC Submit](https://docs.hifi.com/api-reference/kyc/submit-kyc) endpoint.

**What happens next:**

* **Successful submission**: Status progresses to `pending` and enters compliance review
* **Unsuccessful submission**: Status moves to `incomplete` with details about what's missing or invalid

## Track KYC Status

After you submit KYC data, use the [KYC Status](https://docs.hifi.com/api-reference/kyc/retrieve-kyc-status) endpoint to monitor review progress and see any follow-up actions.
When the status reaches `active`, the user can now access the functionalities of that rail.

This guide lists every possible status, explains review results, and shows complete response examples.

<Card title="KYC Status Guide" href="/kyc/kyc-status" arrow>
  Learn more about the endpoint and response structure
</Card>

## Alternative: KYC Link

If you don't want to handle KYC submission via API, generate a KYC link for users to complete verification through a web interface.

<Card title="Create KYC Link" href="/features/kyc-links" arrow>
  Learn how to onboard users using a link
</Card>