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Onboarding establishes users’ eligibility and compliance readiness so they can access regulated financial actions on the Uphold Platform.

Implementation decisions

Before you start building, you must make two key decisions that define your system architecture, compliance responsibilities, and operational complexity:
  1. Which onboarding method you’ll use
  2. Who is responsible for verifying user information

1. Choose your implementation method

API

  • You want to maintain control over the UI
  • You have specific branding requirements
  • You need a deep system integration

Connector

  • You want to maintain control over the UI
  • You already use Sumsub or Veriff
  • You don’t want to modify your existing onboarding flows

Widget

  • You’re comfortable with a managed UI
  • You need the fastest time-to-market
  • You have limited development resources

Compare implementation methods

CharacteristicsAPIConnectorWidget
What you buildComplete UI + backend orchestration using Core APIsUI + provider integrationEmbed widget component
Development timeHigh (weeks-months)Medium (1-2 weeks)Low (days-weeks)
UX controlFull controlFull controlLimited (Uphold-managed UI)
MaintenanceYou maintain all componentsYou maintain the UI, Uphold maintains the connectorUphold maintains the widget
CustomizationFull UI customizationFull UI customizationWidget configuration only

2. Choose verification responsibility

When onboarding users, you must also decide who will be responsible for verifying the information collected.

Verification models

ComparisonUphold-verifiedPartner-verified
DescriptionYou collect the user data and Uphold verifies it.You collect and verify user data, then submit the results to Uphold.
Best ifYou don’t want to build or maintain verification systems.You have existing onboarding infrastructure, or want full control over the user experience.
ComplianceUphold is responsible for compliance as the verifier.Your organization is responsible for compliance as the verifier.
ApprovalsNo approvals needed.The Uphold compliance team must approve your verification processes.

Supported regions

The Enterprise API Suite currently supports users in the following regions:
  • United Kingdom
  • United States of America
  • European Union Coming soon
  • Rest of the world Coming soon
Contact your Account Manager to have more details about EU and rest of the world.

Next Steps

Individuals

Complete step-by-step guide for Individual user verification.

Complete step-by-step guide for Business user verification.