KYC Renewal

KYC Renewal (ReKYC) allows you to require users to periodically re-verify their identity without starting a new journey. Once a journey is completed, IDWise automatically schedules re-verification tasks based on rules you configure per step. When a task comes due, the affected step is invalidated and the user is prompted to resubmit their document or selfie.

This is useful for regulated industries where compliance frameworks require periodic re-verification, or when a customer's document is approaching expiry.

IDWise supports two trigger criteria:

Enabling KYC Renewal

KYC Renewal is configured at the step level in your flow on any document or selfie step.

1. Navigate to Tenant Settings → View Flows.
2. Select your flow.
3. Open the Step Settings for the step you want to configure.
4. Go to KYC Renewal and configure the options below.

How it works

1. User completes onboarding After a user finishes the initial KYC journey, the journey becomes eligible for renewal only if it is Approved (by compliance) or Passed (by the IDWise system).

2. Subscription to renewal triggers The journey is automatically enrolled in KYC renewal based on your configured trigger, such as:

   • Document expiry (e.g., ID about to expire)
   • Time-based rules (e.g., every 12 months)

3. Monitoring & trigger IDWise monitors relevant signals (e.g., document expiry) on a daily basis. When a renewal condition approaches the configured grace period, IDWise sends a Verification Update Required Webhook to your system indicating that a specific step requires renewal.

4. User notification After receiving a webhook from IDWise system, your system notifies the user via:

   • Email
   • Push notification
   • SMS (optional)

   The user is directed to complete the required step.

5. Journey Status through Grace period During the grace period:

   • The journey status retains the existing decision (e.g. Approved / Passed), because during the grace period the existing ID is still considered valid.

6. If user does not renew in time If the deadline passes without user action:

   • The expired ID is invalidated and the journey status changes to Incomplete. IDWise triggers the KYC Renewal Deadline Exceeded Webhook to notify your backend that the KYC renewal deadline has elapsed. Your backend can then send a reminder to the user to resubmit, or suspend the user's account.
   • The system waits for the user to resubmit the required step (e.g., ID document)

7. User completes renewal Once the user submits the updated information:

   • IDWise processes the step, including cross-matching the new submission against the previous submission.
   • The journey status is updated based on the result:
     • If the new submission passes all configured rules, the journey status updates to Passed and IDWise triggers the Finished Journey Webhook.
     • If the new submission fails the configured rules, the journey ends in Refer or Rejected. Handle this the same way you handle the original onboarding journey outcome.

sequenceDiagram
    participant User
    participant Your System
    participant IDWise

    User->>IDWise: Completes KYC journey
    IDWise->>IDWise: Journey Approved / Passed
    IDWise->>IDWise: Enroll in KYC renewal triggers

    loop Daily monitoring
        IDWise->>IDWise: Check document expiry / time-based rules
    end

    IDWise->>Your System: Verification Update Required Webhook
    Note over IDWise,Your System: Grace period begins

    Your System->>User: Notify (email / push / SMS)

    alt User resubmits within grace period
        User->>IDWise: Resubmit document or selfie
        IDWise->>IDWise: Process step & cross-match with previous submission
        alt Passes all rules
            IDWise->>Your System: Finished Journey Webhook (Passed)
        else Fails rules
            IDWise->>Your System: Finished Journey Webhook (Refer / Rejected)
        end
    else User does not resubmit in time
    IDWise->>IDWise: Invalidate expired ID
        IDWise->>Your System: KYC Renewal Deadline Exceeded Webhook
        Note over IDWise,Your System: Journey status → Incomplete
        Your System->>User: Reminder to resubmit / suspend account
        User->>IDWise: Resubmit (late)
        IDWise->>IDWise: Process step & cross-match
        alt Passes all rules
            IDWise->>Your System: Finished Journey Webhook (Passed)
        else Fails rules
            IDWise->>Your System: Finished Journey Webhook (Refer / Rejected)
        end
    end