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KYC Verification Guide

EsusuOnline  ·  Identity Verification  ·  April 2026

What is KYC and why do I need it?

KYC (Know Your Customer) is a one-time identity check required before you can create or join any thrift slot. It protects every member in a circle by ensuring all participants are real, verified people. Once approved, your KYC status is permanent — you will never need to do it again.

🛡️

Prevents Fraud

Stops fake accounts from joining savings circles and disappearing with the pot

🤝

Builds Trust

Other members can see your verified status and feel confident inviting you

⭐

Unlocks Features

KYC approval grants +50 trust points and access to all slot types

✅

Done Once

Complete it once and it's valid permanently on your account

✓
Registered
1
Bio Data
2
Document
3
Selfie
4
Review
✓
Approved
→
How to Start KYC Verification
1

Open your Profile or Dashboard

After login, your dashboard shows a yellow KYC banner if verification is incomplete. Click "Complete KYC" on that banner, or go to Profile → Verify Identity from the sidebar.

esusuonline.org/dashboard
⚠️  Identity verification required. Complete KYC to create or join thrift slots.  
👤
Chidi Okonkwo
chidi@email.com
KYC Pending
1
Personal Information (Bio Data)
1

Fill in your personal details

Enter your legal name exactly as it appears on your ID document, your date of birth, your NIN (National Identification Number), and your current residential address.

esusuonline.org/profile/kyc
1
Bio Data
2
Document
3
Selfie
4
Review
Step 1 of 4 — Personal Information
Chidi
Okonkwo
12 / 04 / 1990
12345678901
14 Adeola Odeku Street, Victoria Island, Lagos
2

Tips for this step

ℹ️ NIN (National Identification Number) is the 11-digit number on your National ID Card or NIMC slip. Do not confuse it with your BVN.
⚠️ Enter your name exactly as it appears on your ID. A mismatch will cause rejection.
2
Identity Document Upload
1

Select your document type

Choose one of the four accepted ID types. Select the one that matches the physical document you have on hand.

esusuonline.org/profile/kyc
✓
Bio Data
2
Document
3
Selfie
4
Review
Step 2 of 4 — Identity Document
Select your document type:
🪪
National ID Card
📘
International Passport
🚗
Driver's Licence
🗳️
Voter's Card (PVC)
2

Upload a photo or scan of your document

Click the upload area and choose your file, or drag and drop an image. All four corners of the document must be visible and the text must be legible.

Document Upload — National ID Card
Upload front of document:
📎

Drag & drop your ID here
or click to browse

JPG, PNG, PDF · max 5 MB

Upload back of document:
📄  NIN_card_back.jpg  ✓

✅ File uploaded successfully

3

Document upload checklist

✅ Use a well-lit, flat surface. Avoid shadows or glare on the document.
✅ Ensure all four corners of the card are visible in the photo.
⚠️ Blurry, cropped, or edited photos will cause rejection. Retake if unsure.
❌ Do not upload a photo of a photocopy. Use the original document.
3
Live Photo (Selfie Capture)
1

Allow camera access when prompted

Your browser will ask for permission to use your camera. Click "Allow" — without this, the live photo step cannot be completed.

ℹ️ The camera permission prompt appears in the browser's address bar (top-left). Look for a camera icon and click Allow.
2

Position your face in the oval frame and click Capture

Face the camera directly. Ensure your full face fits inside the oval. Remove glasses, hats, or face coverings. Click "Capture" when ready.

esusuonline.org/profile/kyc
✓
Bio Data
✓
Document
3
Selfie
4
Review
Step 3 of 4 — Live Photo
Position your face inside the oval. Look directly at the camera.
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✓ Face detected — good lighting
3

Review and retake if needed

After capture, a preview is shown. If your face is blurry or partially cut off, click "Retake" before continuing.

⚠️ The selfie is matched against your ID document. If they don't match, KYC will be rejected.
4
Review & Submit
1

Check your summary and submit

All the information you entered is displayed for a final review. Read everything carefully. If anything is wrong, click "Edit" next to that section to go back and fix it. When everything is correct, click "Submit for Verification".

esusuonline.org/profile/kyc
✓
Bio Data
✓
Document
✓
Selfie
4
Review
Step 4 of 4 — Review & Confirm
Personal Information
Full NameChidi Okonkwo
Date of Birth12 April 1990
NIN123 **** ***01
Address14 Adeola Odeku St, VI, Lagos
Identity Document
Type 🪪 National ID Card
Front 📄
Back 📄
Live Photo
Selfie
😐
ℹ️ By submitting, you confirm all information is accurate and matches your identity documents.
✓
After Submission — What Happens Next
1

Confirmation screen

Immediately after submission you'll see a success screen and receive an email confirming your documents are under review.

esusuonline.org/profile/kyc
📬
Submitted Successfully!
Your documents are under review. You will be notified by email and in-app notification once a decision is made. This usually takes 1–3 business days.
⏳ KYC Pending
2

KYC Status — what each status means

Status What it means What to do
⏳ Pending Submitted and under admin review Wait for the email / in-app notification (1–3 business days)
✅ Approved Verified — full platform access granted Nothing — you can now create and join slots
❌ Rejected Documents unclear or information mismatch Check the rejection reason in your notification, fix the issue, and resubmit
3

Approved — what changes on your profile

esusuonline.org/profile
👤
Chidi Okonkwo
chidi@email.com
✅ KYC Approved 🥉 Bronze Tier
✅ +50 trust points have been added to your account for completing KYC verification.

✅ Tips for a First-Time Approval

→ Go to My Profile → Dashboard → Set Up 2FA → Full User Guide