KYC/KYA Compliance

Know Your Customer (KYC) and Know Your Agent (KYA) compliance.

KYC Levels

Level	Requirements	Daily Limit
0	Wallet only	$100
1	Email + Phone	$1,000
2	ID Document	$10,000
3	Full Business KYC	Unlimited

Verification Flow

Merchant KYC

// Check merchant verification status
const merchant = await pelago.merchants.retrieve();
console.log('KYC Level:', merchant.kycLevel);
console.log('Status:', merchant.kycStatus);

KYA (Know Your Agent)

For AI agent payments, operators must verify:

const agent = await pelago.agents.create({
  name: 'Payment Bot',
  operatorPID: 'did:pelago:stellar:GOPERATOR...',
  operatorVerification: {
    kycLevel: 2,
    businessLicense: 'optional'
  },
  spendingLimits: {
    daily: 1000
  }
});

Compliance Reports

const report = await pelago.compliance.getReport({
  startDate: '2025-01-01',
  endDate: '2025-01-31'
});