> For the complete documentation index, see [llms.txt](https://docs.ontorium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ontorium.io/ontorium-stack-overview/asset-layer/kyc-framework.md).

# KYC Framework

### Overview

To ensure regulatory compliance and secure access to asset-backed functionality, Ontorium integrates a tiered KYC system powered by Sumsub.

Each level of verification unlocks different capabilities within the minting and redemption process.

KYC verification is required to access core functionalities within the Asset Layer, including **minting, redemption, and physical settlement.**

***

#### **KYC Levels & Access**

{% columns %}
{% column %}

**L1 (Identity Verification)**

* Liveness and identity verification required
* Enables:
  * OXAU minting
  * On-chain redemption
    {% endcolumn %}

{% column %}

**L2 (Proof of Address)**

* Address verification required
* Enables:
  * All L1 functionality
  * Physical gold redemption
    {% endcolumn %}

{% column %}

**L3 (Institutional KYC)**

* Institutional onboarding and whitelisting
* Enables:
  * Full access to all platform services
    {% endcolumn %}
    {% endcolumns %}

***

#### **What is required for KYC/KYB?**

{% columns %}
{% column width="41.66666666666667%" %}

**Individuals:**

* Full Legal name
* Date of Birth 
* Country of citizenship and residence

**Identity Verification (L1):**

* Government-issued ID\
  (e.g. passport, driver’s license, national ID)

**Address Verification (L2):**

* Proof of address document\
  (e.g. utility bill, bank statement, government-issued document)
  {% endcolumn %}

{% column width="58.33333333333333%" %}

**Entities:**

* Legal entity name
* Business name (DBA or trading name if different)
* Country of incorporation
* Addresses:
  * Principal place of business
  * Registered office address (if different)
  * Mailing address (if different)
* Official identification number
  {% endcolumn %}
  {% endcolumns %}

***

### **Jurisdiction Restrictions**

**Access to Ontorium services is restricted in certain jurisdictions due to regulatory and compliance requirements.**

***

#### **Restricted Countries**

* Users located in or associated with the following jurisdictions are not permitted to access minting, redemption, or asset-related services:

**FATF Blacklist:**

* DPRK (North Korea)
* Iran
* Myanmar

**FATF Greylist (Subject to enhanced due diligence):**

* Algeria, Angola, Bolivia, Bulgaria, Cameroon, Côte d'Ivoire, DR Congo, Haiti, Kenya, Lao PDR, Lebanon, Monaco, Namibia, Nepal, South Sudan, Syria, Venezuela, Vietnam, Yemen

***

#### **Sanctions Compliance**

* Addresses and individuals listed under **UN, US, EU, or UK sanctions programs** are subject to:
  * Account restriction
  * Transaction blocking
  * Service denial

***

#### **United States Restrictions**

* The following users are restricted:
  * US persons
  * US entities
  * Users accessing from US IP

> This restriction applies due to applicable regulatory requirements.