# Know Your Customer (KYC)

The Glomo KYC Stack provides merchants with a comprehensive back-office interface to manage customer identity verification. It allows teams to initiate, track, and audit KYC journeys independently. Whether a merchant requires full automation via APIs or a manual dashboard-led workflow, the platform offers full visibility into every step of the verification funnel.

## Key Features:

- **Centralized Compliance Panel:** A dedicated "Compliance" section in the dashboard houses all KYC-related activities.
- **Granular Step Tracking:** View real-time progress for individual checks, including DigiLocker Aadhaar, bank penny verification, selfie uploads, and sanction screening.
- **Merchant Branding:** The customer-facing KYC flow is fully configurable to reflect the merchant's unique logo and color theme


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![KYC Dashboard](/assets/kyc-dashboard.d76de87a4b9f76583a02afdb385be450ba7a91c344ed5a81391fcfb4376ca122.c2a68df6.png)

## 1. Generating a KYC Link with step by step instructions

To initiate a verification request for a customer, follow these steps:

## 2. Monitoring Progress and "KYC Tracker"

Once a link is active, the dashboard provides an audit-ready view of the customer's journey:

- **Recent Activity:** View KYC attempts at the customer level under their profile.
- **The Tracker:** Every step is timestamped in the KYC Tracker.
- **Status Indicators:** Each sub-step (Selfie, Signature, Bank Validation) displays its specific state: Not Started, In Progress, Completed, Failed, or Requires Action.


## 3. Handling Reports and Data

For compliance auditing and reconciliation, Admin users can export data:

- **Select Date Range:** Click "Download KYC Report" and specify the "From" and "To" dates.
- **Generate Summary:** The system generates a CSV report containing attempt-level information and step-wise statuses for all customers.


## KYC States

| State | Description |
|  --- | --- |
|  Created  | Link generated; customer has not yet accessed the journey. |
|  In progress  | Customer is actively completing steps |
|  Completed  | Terminal success state; all checks passed with no manual holds remaining. |
|  Rejected  | Terminal failure state; KYC has failed and cannot proceed. |
|  Expired  | The link has passed its configured validity window. |