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KYC process settings allow you to fine-tune identity authentication processes in ID check projects. You can build customized identity verification systems that meet business requirements through various options such as automatic processing rate adjustment, ID recognition guarantee, age and country restrictions, etc.
Function Application by Identity Authentication Method
  • 🪪 ID document: ID photo-based
  • 🧠 Knowledge-based: User input information-based

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Use Cases

Banks can optimize automatic processing rates by adjusting ARGOS score thresholds, provide 24-hour unmanned KYC services by activating automated processing only option, accept only reliable IDs with ID recognition guarantee mode, and comply with legal requirements by setting age limits.
Platforms providing international services can manage service restrictions for specific regions through blacklist country settings and improve user convenience with universal ID support. Various countries’ IDs can be automatically recognized to improve user experience.
In alcohol or adult content services, legal requirements can be complied with through age limit functions. Users below the set age are automatically rejected, ensuring regulatory compliance.
Since setting options interact with each other, balanced settings considering business goals and user experience are important. It is recommended to start with conservative settings and gradually adjust based on operational data.

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ARGOS Score Threshold

Set the ARGOS score criteria to use for KYC verification. You can select the threshold for ARGOS score that determines automatic processing rate from a dropdown.
ARGOS score threshold settings

ARGOS Score Threshold Settings

Setting Option Examples:
  • Conservative (70 points)
  • Standard (50 points)
  • Open (40 points)
The higher this score, the higher the threshold for the comprehensive score (total authentication score of ID, selfie, and other authentication fields) required for submission approval.
  • Through custom settings, you can set the ARGOS score threshold to 99, then use the client API option in Project Settings > System Operation > Reviewer Settings to enable customers to review directly.
ARGOS Score Threshold Selection Guide
  • Low Score (Conservative): More submissions are automatically approved, but some risky submissions may also be included.
  • High Score (Strict): Safer with stricter verification criteria, but legitimate users may also be rejected.
  • Recommended: It is recommended to start with conservative settings and gradually adjust based on operational data.

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ID Recognition Guarantee Mode

Proceeds only when ID template recognition is successful.
ID recognition guarantee mode settings

ID Recognition Guarantee Mode Settings

When this function is activated, eKYC can only be submitted with IDs that OCR AI can recognize. If an unrecognized ID is submitted, users must retake photos with a different ID.
SettingDescription
ID Recognition ScoreAdministrators can directly adjust the reliability score for ID authentication. If reliability below the set threshold is produced, Retry occurs.
ID Recognition Score UsageWhen ID recognition score is 80 or above and all fields recognized during ID photo are normal value recognition, the ID photo result confirmation page is omitted in the user view.

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Universal ID Support

Proceeds with recognition without selecting ID type in liveform. (Korea excluded)
Universal ID support settings

Universal ID Support Settings

When activated, users no longer need to select ID type. ARGOS automatically recognizes all supported ID types except South Korea. Since only the front and back of the ID need to be photographed, cases where users incorrectly select ID type are greatly reduced.
If you want to be able to select only specific ID types as valid identity verification means, please contact customer support. Currently, only ARGOS administrators can configure this per project.

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Age Limit

KYC is rejected when users below the set age submit.
Age limit settings

Age Limit Settings

You can set age restrictions. This may be suitable when you want to restrict identity authentication for users below a certain age.
  • This age limit function works based on the date of birth shown on the ID.
  • For age limit functions through selfie, you must use Face-based Age Verification.
Configuration Method:
  • Enter age in the number input field. (e.g., 13 years old)
  • Users below the set age are automatically rejected when they submit.
Age Limit UsageCan be used in services requiring age restrictions according to legal requirements (alcohol, adult content, gambling, etc.). Users are automatically rejected based on their date of birth, ensuring compliance.

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Automated Processing Only

Submissions not automatically approved are rejected. (Manual review excluded)
Automated processing only settings

Automated Processing Only Settings

When activated, the project operates with 100% automated processing only. All submissions requiring manual review (Pending) are rejected, and users must resubmit eKYC to be automatically approved.
Automated Processing Only PrecautionsWhen the automated processing only option is activated, all submissions requiring manual review are rejected. It is important to appropriately set the ARGOS score threshold to optimize automatic processing rate.
Automated Processing Only UsageCan be used when providing 24-hour unmanned KYC services or when manual review exclusion is not needed. Optimal automatic processing rate can be achieved by adjusting together with ARGOS score threshold.

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Blacklist Countries (Issuing Country)

KYC progress is restricted for IDs issued from selected countries.
Blacklist country settings

Blacklist Country Settings

Set Blacklist Country based on the ID’s issuing country. Use this option when identity authentication restrictions for users from specific countries are needed. Multiple countries can be selected, and country search and additional input are possible. Configuration Method:
  • Search for countries to restrict through the country search function.
  • Select countries from search results to add.
  • Multiple countries can be selected and added to the blacklist.
Blacklist Country UsageCan be used when user access from specific countries must be restricted due to regulations or policies. For example, users from sanctioned countries or regions where service provision is restricted can be preemptively blocked.

Authentication Data

View authentication data related settings.

Authentication Enhancement and Forgery Prevention

View selfie process and forgery prevention settings.

KYC Status Codes

View KYC status codes.

Rejection Codes

View rejection codes and reasons.