Completing KYC via Sumsub on 8lends

One selfie, one document photo, one liveness check — and every limit on your 8lends investment amount disappears for good.

KYC (Know Your Customer) on 8lends is completed through Sumsub — an international identity provider supporting 220+ countries and 14,000+ document types. The process takes 3–5 minutes and includes a document photo, a selfie with a liveness check, and proof of residential address if needed. KYC is required for investments above $500 — for smaller amounts, an automatic AML check of the wallet is sufficient. Verification is one-time; once completed, it removes all limits on the investment amount.

Video instructions

Completing KYC is shown in the 8lends video guide:https://youtu.be/wABYaut7zVc.

The video shows the actual process in the Sumsub window: which buttons to press, how to upload a document, and how to take a selfie. This text serves as a supplement to the video for clarifying details.

When KYC is required

Situation	Is KYC required
First investment up to $500	No, an AML check of the wallet is sufficient
Total investments over time exceeding $500	Yes, required before the next investment
I want to complete it in advance, without waiting for the limit	Yes, available immediately after connecting the wallet
Transferring KYC from Maclear	Yes, via the [special form](https://docs.google.com/forms/d/e/1FAIpQLSe71cSm-hWax1nEl5c1wt7B4I7aGw6LLj2Sob_4mJjrTe6s8Q/viewform) — without re-verification

KYC is enabled once and works for all future investments. After completion, there are no amount limits.

What is Sumsub

Sumsub is an international provider of identity verification and AML compliance. It is used by major exchanges (Binance, OKX, Bybit), banks, and regulated financial platforms. What Sumsub does on behalf of the platform:

Verifies the authenticity of the document through AI and databases
Matches the face in the selfie with the face on the document (face match)
Confirms liveness through a liveness check (protection against photo spoofing)
Checks data against sanctions lists (PEP, sanctions, watchlists)
Returns to 8lends only the result: passed / not passed / clarification required

8lends does not store document photos or selfies — all data remains with Sumsub, protected by their infrastructure (GDPR, ISO 27001).

What to prepare

An identity document — choose one of the following:

International passport
Internal passport (for countries where it is the main ID)
National ID card
Driver's license (not in all jurisdictions)

A phone or webcam for the selfie and liveness check
Good lighting for a quality photo of the document
A document to confirm your address (may be requested): a utility bill, a bank statement no older than 3 months

Step-by-step instructions

Step 1. Launch KYC from your personal account

Go to app.8lends.io and connect your wallet
In your personal account, go to the Profile or Verification section
Click Start KYC / Complete Verification

8lends personal account — Start KYC or Complete Verification button (1/2)

8lends personal account — Start KYC or Complete Verification button (2/2)

Step 2. Select country and document type

Sumsub will open in a new window or as an embedded widget
Select the country of document issuance
Select the document type (passport / ID card / driver's license)

Sumsub window — selecting country and document type (1/3)

Sumsub window — selecting country and document type (2/3)

Sumsub window — selecting country and document type (3/3)

Step 3. Photograph the document

Take a photo of the front side (for ID cards and licenses — both sides)
The document must fully fit in the frame, without glare or shadows
All data must be legible
Sumsub will check the photo quality; if there are issues, it will ask you to retake it

Sumsub window — document upload stage with photo frame

Step 4. Take a selfie and complete the liveness check

Sumsub will ask you to take a selfie with the front-facing camera
Then — perform simple movements (turn your head, blink) for the liveness check
This is needed to confirm that a live person is completing verification, not a photo

Sumsub window — selfie and liveness check screen

Step 5. Wait for the result

Sumsub sends the data for verification — usually takes from a few seconds to a few minutes
In complex cases (poor photo quality, manual review required) it may take up to 24 hours
The result is sent to your email and displayed in your personal account

final screen — Verification completed / Your profile has been verified (1/2)

final screen — Verification completed / Your profile has been verified (2/2)

What happens next

After successful KYC:

The $500 limit is removed — you can invest any amounts
The Verified status is shown in your personal account
Access to all platform features is open (including Secondary Market)
No need to redo KYC — the status is retained

Supported countries

Sumsub supports 220+ countries and 14,000+ document types. This covers virtually all investors globally, except those in sanctioned jurisdictions:

North Korea
Iran
Syria
Cuba
Russia and Belarus (for certain operations — depending on passport and residency)
Specific regions of Ukraine
Other jurisdictions under OFAC, UN, EU, HM Treasury sanctions

The full list and exact rules are provided at the KYC stage. If a country is not supported, Sumsub will notify you before the process begins.

If KYC did not pass

Reason	What to do
Poor photo quality	Retake the photo with better lighting and without glare
Document not recognized	Check that the document is valid (not expired)
Mismatch between the face in the selfie and on the document	Retake the selfie, make sure the face is clearly visible
Document from an unsupported country	Use a different document (if available)
Manual review required	Wait up to 24 hours
Rejection after manual review	Contact support at [email protected] for clarification

Data security

Sumsub is a provider with ISO 27001 and GDPR compliance, working with the world's largest exchanges and banks
Data is stored with Sumsub, not with 8lends — this reduces the risk of a leak on the platform's side
Data transfer is via TLS encryption
Retention periods comply with SVG regulatory requirements (VABA 2022) and the Sumsub privacy policy
Right to deletion — can be requested through Sumsub after ending cooperation with 8lends

Frequently asked questions

Can you really invest without KYC? Yes, up to $500 in total. The AML check of the wallet remains mandatory — this is an automatic process. More details

Why Sumsub specifically and not another provider? Sumsub is one of the market leaders in identity verification, used by the largest exchanges (Binance, OKX, Bybit) and regulated financial platforms. It supports 220+ countries and 14,000+ documents, making it one of the broadest providers in terms of coverage. This is critical for a global platform like 8lends.

How long does KYC take on average? The completion process itself takes 3–5 minutes. Verification usually takes from a few seconds to a couple of minutes (automatic via AI). In complex cases — up to 24 hours (manual review by an analyst).

Where does my data go after KYC? To Sumsub — the verification provider. 8lends receives only the result (passed / rejected / pending). Sumsub stores the data according to regulatory requirements and its privacy policy. The platform does not store document photos or selfies.

Can I complete KYC in advance, before topping up USDC? Yes. KYC can be completed immediately after connecting your wallet, without waiting to top up your balance or approach the $500 limit. After completion, you'll be ready right away to invest any amounts.

I already have KYC with Maclear — do I need to do it again? No. For Maclear investors, a simplified KYC transfer to 8lends is available via the special form — without re-verification.

What if I don't have a passport, only a driver's license? In most countries, a driver's license is accepted as an ID document for KYC. At the document selection stage, Sumsub will show which documents are suitable for your country.

Can I complete KYC on behalf of another person? No. The liveness check (blink, turn your head) rules out this possibility. KYC must be completed by the investor themselves. Transferring an account or completing it for another person is a violation of the T&C.

What if the data in my passport is outdated (for example, my last name has changed)? Use a document with current data. If you only have an outdated one on hand — update the document with the government authority before KYC. A mismatch between the document data and reality may lead to rejection.

I selected the wrong country — what should I do? Contact 8lends support at [email protected]. KYC can be reset and completed again with the correct country.