> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Reusable KYC KYB (Sumsub)

**Eligibility Notice**

This feature is available exclusively to **Fintech platform clients** that conduct KYC/KYB verification through [**Sumsub.**](https://sumsub.com/) To enable Sumsub token sharing for your account, please reach out to your **Customer Success Manager (CSM)**

## The Core Concept -

Tazapay supports reusable KYC/KYB, allowing platforms to share pre-verified applicant data via API. If your platform already conducts KYC/KYB verification through Sumsub, this enables Tazapay to reuse that data removing the need for end-users to re-verify.

The flow works via tokens:

1. The platform (the 'Donor') generates a `shareToken` for a verified Sumsub applicant.
2. The token is passed to Tazapay (the 'Recipient') via the Create Entity or Update Entity API
3. Tazapay retrieves the applicant's documents from Sumsub and runs its own verification checks.
4. The entity is created on Tazapay, no document re-upload is required from the end user.

> Important nuance: Documents are *reused*, not the verification itself. Tazapay still runs full KYC/KYB checks on the shared data for regulatory compliance.

***

## Understanding the Two Tokens —

|                  | Partner Token                                                       | Share Token                                           |
| ---------------- | ------------------------------------------------------------------- | ----------------------------------------------------- |
| **Purpose**      | Links your Sumsub account to Tazapay's (one-time partnership setup) | Shares one specific applicant's data                  |
| **Generated by** | Tazapay (given to you offline via Sales POC)                        | Your platform's backend, via Sumsub's API             |
| **Used where**   | Sumsub Dashboard → Reusable Identity → Partners → Recipients        | Tazapay's Entity API (`onboarding_package_url` field) |
| **Frequency**    | Once                                                                | Per applicant                                         |

***

## Section A: Ops/Admin Setup (4 Steps)

1. **Enable Reusable KYC on Sumsub** — Contact your Sumsub CSM to get your account enabled as a "Donor." Sumsub requires a signed sharing agreement.
2. **Contact Tazapay Sales POC** — Request enablement of Sumsub Reusable KYC. Tazapay will: accept your platform as a Donor, give you a one-time partner token, and share their Sumsub `forClientId`.
3. **Add Tazapay as a Recipient on your Sumsub dashboard** — Go to Reusable Identity → Partners → Recipients, click "+ Add recipient," paste Tazapay's partner token, and click Done.
4. **Verify the partnership** — Confirm the partnership is active on both sides: Tazapay shows up as a Recipient on your dashboard, and your platform shows up as a Donor on Tazapay's. You also need the `forClientId` in hand.

***

## Section B: Developer Integration (2 API Steps)

**Step 1 — Generate a Share Token (Sumsub API)**

Call `POST https://api.sumsub.com/resources/accessTokens/shareToken` with:

* `applicantId`: the Sumsub ID of the verified user on your platform
* `forClientId`: Tazapay's Sumsub Client ID

The response gives you a JWT-style `token` — this is the `shareToken`.

> **Recommended:** Set `ttlInSecs` to **86400** (1 day) when generating the share token. This gives Tazapay sufficient time to consume the token without it expiring prematurely.

**Step 2 — Pass the Share Token to Tazapay (Entity API)**

Send the token in the `onboarding_package_url` field when calling:

* `POST https://service.tazapay.com/v3/entity` (Create Entity), or
* `PUT https://api.tazapay.com/v3/entity/{entity_id}` (Update Entity)

Works for both **individual** and **business** entity types.

***

<img src="https://mintcdn.com/tazapay-58ae360f/SGyeDEYgr_QDlX74/images/diagrams/Sumsub-reusable-KYC.png?fit=max&auto=format&n=SGyeDEYgr_QDlX74&q=85&s=486dc001166d659191d8d1356c571aa6" alt="Token flow diagram" width="1926" height="1658" data-path="images/diagrams/Sumsub-reusable-KYC.png" />

## Possible Outcomes After Passing the Token

* **Full Approval** — All documents meet Tazapay's requirements. The entity is approved and ready for transactions.
* **Partial Completion** — Some data passes; The entity is created but enters a **Documents Requested** state. Additional documents must be submitted to complete onboarding.
* **Token Error** — Token expired or invalid. Generate a new share token and resubmit via the Entity API.

***

## What Data Can Be Reused

Identity documents, proof of address, biometric/liveness data, questionnaire responses (if structure matches), standard applicant profile fields, and email/phone confirmation status.

***

## Summary of Ownership

| Task                                 | Owner                    |
| ------------------------------------ | ------------------------ |
| Enable Reusable KYC on Sumsub        | Your Ops/Compliance team |
| Contact Tazapay Sales POC            | Your Ops/Sales team      |
| Add Tazapay as Recipient on Sumsub   | Your Ops team            |
| Get `forClientId`                    | Tazapay Sales POC        |
| Backend Share Token API integration  | Your Engineering team    |
| Passing token via Tazapay Entity API | Your Engineering team    |