Верификация адреса

Address verification — часть комплексной KYC для jurisdiction determination и AML risk assessment.

Accepted documents

Utility bills: recent (3 months). Bank statements. Government correspondence: tax notices, driver license. Rental agreements. Insurance documents. Multiple options для user convenience. Digital versions обычно acceptable.

Verification methods

Manual review: document check. Database lookup: postal, credit bureaus. Google Maps validation: real address, не residential vs commercial mismatch. Third-party: GBG, Trulioo. Geolocation cross-check: IP vs claimed.

Challenges

Recent moves: no updated documents yet. Shared accommodations: bills not in name. International students: temporary addresses. Rural addresses: database gaps. PO Boxes: usually not acceptable. Alternative processes for these edge cases.

Compliance considerations

Jurisdiction determination: где licensed to serve. Excluded countries checking. Tax implications. Marketing localization. Regulator reporting requires address data. Data retention: 5+ years typical. GDPR: address считается PII под specific protections.