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Documentation Index

Fetch the complete documentation index at: https://docs.crossmint.com/llms.txt

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The Crossmint Onramp includes built-in user onboarding with progressive KYC. This page explains the onboarding experience your users will go through when making their first onramp purchase.

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Onboarding Flow

When a user initiates their first onramp transaction, the embedded checkout component guides them through the required steps automatically:
1

Tier 1 KYC

For low-value transactions, the user completes a lightweight identity check:
  • Full name
  • Date of birth
  • Nationality
  • Country of residence
  • Social Security Number
  • Residential address
This applies to users transacting up to 1,000 EUR in aggregate within a rolling 12-month period.
2

Payment

The user selects a payment method (credit/debit card, Apple Pay, or Google Pay) and completes the purchase.
3

Token Delivery

Stablecoins are delivered directly to the recipient wallet. The user receives an email receipt.

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Progressive KYC

Crossmint uses a progressive KYC model to minimize friction for low-value users while maintaining compliance:
KYC LevelTriggerRequirements
Tier 1First transaction (up to 1,000 EUR/12 months)Name, DOB, nationality, country, ID number (or SSN for US users), residential address
Tier 2Cumulative volume exceeds 1,000 EUR or risk flag raisedAll Tier 1 data + source of funds, employment status, liveness check, document ID verification
The transition from Tier 1 to Tier 2 KYC is handled automatically by the embedded checkout component. Users are prompted to provide additional information when needed.

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Pre-Registering User KYC Data

If your platform already performs identity verification, you can pass KYC data to Crossmint ahead of time using the API. This allows your users to skip the in-checkout KYC flow entirely. See the Import User KYC Data guide for details.

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Onboarding for AI Agents

For AI agent use cases where a human operator has already completed KYC through your platform, you can pre-register the agent operator’s identity data via the API. The agent can then execute onramp transactions without being prompted for KYC in the checkout flow. See the Agent Wallets Onramp guide for agent-specific integration details.