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Circuit KYC Network

The shared KYC network for banks and fintechs.

Circuit KYC Network enables financial institutions to share verified identity data securely, reducing redundant KYC checks and improving customer onboarding experiences.

Why Circuit?

Problem Circuit Solution
Customers repeat KYC at every bank Verified once, trusted everywhere
KYC costs $20-50 per customer Reduce to $1-5 with network effects
Onboarding takes days Fast-track eligible users in seconds
Fraud data is siloed Network-wide fraud intelligence

Quick Start

from circuit_kyc import CircuitClient

client = CircuitClient(api_key="sk_sandbox_your-key")

# Check if user is eligible for fast-track KYC
result = client.check_eligibility(
    email="user@example.com",
    phone="+14155551234"
)

if result.eligible:
    print(f"Fast-track approved! KYC level: {result.kyc_level}")

import { CircuitClient } from '@circuit-kyc/sdk';

const client = new CircuitClient({ apiKey: 'sk_sandbox_your-key' });

const result = await client.checkEligibility({
  email: 'user@example.com',
  phone: '+14155551234',
});

if (result.eligible) {
  console.log(`Fast-track approved! KYC level: ${result.kyc_level}`);
}

curl -X POST https://api.circuit-kyc.com/api/v1/check-eligibility \
  -H "X-API-Key: sk_sandbox_your-key" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "user@example.com",
    "phone": "+14155551234"
  }'

Core Concepts

The Network Effect

Every time a bank verifies a customer and shares that data with Circuit, it makes verification cheaper for everyone else. Circuit uses cryptographic privacy-preserving techniques to match identities without exposing raw PII.

How It Works

sequenceDiagram
    participant User
    participant Bank A
    participant Circuit
    participant Bank B

    User->>Bank A: Complete KYC
    Bank A->>Circuit: Ingest verified data
    Note right of Circuit: Encrypted & indexed

    User->>Bank B: Apply for account
    Bank B->>Circuit: Check eligibility
    Circuit->>Bank B: Eligible (high confidence)
    Bank B->>User: Fast-track approved!

Verifiable Credentials

When a user passes eligibility, you can issue them a verifiable credential - a cryptographically signed proof of their KYC status. These credentials:

  • Are tamper-proof (cryptographic signatures)
  • Can be verified offline
  • Follow W3C Verifiable Credentials standard
  • Support selective disclosure

Key Features

Operation Costs

Operation Credits Description
check-eligibility 1 Check if user has network KYC
assess-risk 5 Full risk assessment
claim-identity 10 Issue credential from eligibility
ingest FREE Contribute data to network

Getting Started

  1. Sign up for a sandbox account
  2. Get your API key from the dashboard
  3. Try the quickstart to make your first API call
  4. Read the guides to integrate into your app

Support