API интеграции KYC

KYC provider integration — engineering task с specific patterns для reliability.

Integration approaches

Direct API: full control, more integration work. Widgets: embedded UI, faster. SDKs: mobile-focused, native experience. Hosted: redirect to provider, simplest. Trade-offs cost, control, UX. Иногда combination.

Async pattern

Verification takes minutes-hours для manual review. Async via webhooks. Idempotency keys обязательны. Retry logic. Status polling as fallback. Application не blocked waiting. State machine для user status.

Data flow

Application creates verification. Documents uploaded (client-side or via provider widget). Provider processes. Callback с result. Store outcome. Trigger downstream actions (unlock features). Audit trail всех events.

Testing

Sandbox environments. Test personas: verified, rejected, edge cases. Automated integration tests. Load testing: peak signup periods. Monitoring: latency, error rates, provider SLA. Multiple providers support: failover strategy.