Summary Status
An Identity has five (5) statuses:
PENDING: Initial state. The Identity is waiting for an Onboarding Decision and is under review.APPROVED: The Identity passed internal review. It can be used with integrations, for example, creating orders.DENIED: The Identity failed internal review. It cannot be used with integrations.DISABLED: The Identity was APPROVED but has been off-boarded. It can only perform sell operations.ERROR: The Identity has been frozen for compliance reasons. It cannot be used with integrations.
This status drives what actions the identity can perform across the platform according to the grid below:
| Status | Hold Assets | Create Buy Orders | Create Sell Orders | Execute Open Orders | Create Crypto Deposit Address | Create Crypto Withdrawal | Receive Crypto Deposits |
|---|
PENDING | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
DENIED | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
APPROVED | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
DISABLED | ✅ | ❌ | ✅ | ✅ | ❌ | ❌ | ❌* |
ERROR | ✅ | ❌ | ❌ | ✅ | ❌ | ❌ | ❌* |
Sub Statuses
The following sub-statuses are returned in identity responses and can be used to help explain why an Identity is in a given summary status.
Sanctions Verification Status (Persons & Institutions)
- Field:
sanctions_verification_status
PENDING: Sanctions check in progress.DENIED: Sanctions hit found, cannot proceed.APPROVED: No sanctions hit found, cleared to proceed.ERROR: Possible sanctions hit, held for manual review.
Additional Screening Status (Persons & Institutions)
- Field:
additional_screening_status
PENDING: Additional screening checks are in progress.DENIED: Failed additional screening checks.APPROVED: Passed all additional screening checks.ERROR: Possible screening hit, held for manual review.
Additional screening includes checking for negative news or politically exposed persons, but explicitly excludes any sanctions checks (covered by the above sanctions_verification_status).
ID Verification Status (Persons Only)
- Field:
id_verification_status
PENDING: Verification is in progress. Checking the identity of the person.DENIED: Verification failed. Unable to verify the identity of the person.APPROVED: Verification successful. The identity of the person is confirmed.
When using passthrough IDV, the id_verification_status will reflect the passthrough_verification_status that was set. Note
that passthrough_verification_status can only ever be set to a terminal IDV status of APPROVED or DENIED.
Onboarding Decision
The onboarding decision is made based on the identities risk rating and the set of verifications (as exposed in sub-statuses above).
Once there is sufficient information to make a decision, the Identity will be APPROVED and able to trade or DENIED and rejected services.
In the happy path where an Identity is LOW
Requirements
The status_details.requirements array provides structured detail on what is blocking or pending for an identity. Use this to understand why an identity is PENDING, DENIED, or DISABLED.
Each entry in requirements has the following fields:
| Field | Description |
|---|
type | The requirement type. See types below. |
status | PENDING — not yet fulfilled; may be under review or require client action. FAILED — requirement was not met; check awaiting_action_from to determine if action is needed. |
awaiting_action_from | Who must act to resolve the requirement: PAXOS or CLIENT. Not present on MEMBERS type. |
errors | Specific error details for developer use only — do not expose code or description values directly to end users. code is a fixed enum of values; additional codes may be added in the future. |
Requirement types
| Type | Applies to | Description |
|---|
ID_VERIFICATION | Person | Government ID verification. |
DOCUMENT_VERIFICATION | Institution | Business document review. |
SCREENING_CHECK | Both | Background screening check. |
COMPLIANCE_CHECK | Both | Internal compliance review. |
ENHANCED_DUE_DILIGENCE | Institution | Enhanced due diligence review. |
KYC_REFRESH | Person | Periodic re-verification of identity information. |
TAX_DETAILS_VERIFICATION | Both | Tax identification number verification. |
MEMBERS | Institution only | One or more institution members have outstanding requirements. Check institution_members in the response for details on which members are failing or pending. |
