> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zbdpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Identity Verification

> Complete your profile to unlock production access and higher limits

Identity verification unlocks the full power of ZBD. As a regulated financial institution, we're required to verify all businesses before enabling production access – but we've made it as painless as possible.

<Info>
  **Why Verification Matters** - ZBD is a licensed money transmitter in the US (MSB/MTL) and an Electronic Money Institution (EMI) in the EU under MiCAR. This means your funds are protected and your business is compliant.
</Info>

## Why We Verify

<CardGroup cols={2}>
  <Card title="Unlock Production Access" icon="rocket">
    Get LIVE API keys to process real payments
  </Card>

  <Card title="Higher Limits" icon="chart-line">
    Increase transaction and wallet balance limits
  </Card>

  <Card title="Global Compliance" icon="globe">
    Operate legally and compliantly in Tier 1 global markets (US, EU, etc)
  </Card>

  <Card title="Fund Protection" icon="shield">
    Your money is safeguarded by regulated entities
  </Card>
</CardGroup>

### Regulatory Framework

As a global payment provider, ZBD maintains licenses and registrations worldwide:

<Tabs>
  <Tab title="United States">
    **Federal Registration**

    * FinCEN registered Money Services Business (MSB)
    * BSA/AML program in place

    **State Licenses**

    * Money Transmitter Licenses (MTL) in required states
    * Compliance with state-specific regulations
  </Tab>

  <Tab title="European Union">
    **MiCAR Compliance**

    * Electronic Money Institution (EMI) license
    * Access to all EU member states
    * Segregated customer funds
    * Regular audits and reporting
  </Tab>

  <Tab title="Global">
    **International Standards**

    * FATF compliance guidelines
    * Sanctions screening (OFAC, UN, EU)
    * SOC 2 Type II
  </Tab>
</Tabs>

### Individual Verification (KYC)

For authorized representatives and beneficial owners:

<CardGroup cols={2}>
  <Card title="Identity Document" icon="id-card">
    * Passport (preferred)
    * Driver's license
    * National ID card
  </Card>

  <Card title="Liveness Check" icon="camera">
    * Quick selfie
    * Automated verification
    * Instant results
  </Card>
</CardGroup>

## Complete Your Profile

Beyond regulatory requirements, a complete profile helps us serve you better:

### 1. Verify Email Address ✅

Already completed during signup, but ensure your business email is verified.

### 2. Choose Your Gamertag

Your ZBD Gamertag appears in payment notifications to users:

<Warning>
  **Choose Wisely** - Your Gamertag is visible to anyone you pay. Use your business name or something professional like "AcmeGameStudio" rather than "xXx\_PayMaster\_xXx".
</Warning>

Good examples:

* `YourCompanyName`
* `StudioNameGames`
* `AppNameOfficial`

### 3. Upload Profile Image

Add your company logo for brand recognition in payment flows.

Requirements:

* Square image (1:1 ratio)
* PNG or JPG format
* Under 3MB
* Clear on small screens

### 4. Enable Two-Factor Authentication (2FA)

<Card title="Secure Your Account" icon="shield" color="#dc2626">
  **Required for Production** - 2FA is mandatory for all accounts with production access. Protect your funds and API keys.
</Card>

How to enable:

1. Navigate to **Account > Security**
2. Click **Enable 2FA**
3. Scan QR code with authenticator app
4. Enter verification code
5. Save backup codes securely

Recommended authenticator apps:

* Google Authenticator
* Authy
* 1Password
* Microsoft Authenticator

### 5. Complete Identity Verification

The final step to unlock production access:

<Steps>
  <Step title="Start Verification">
    Go to **Account > Verification** and click **Verify Now**
  </Step>

  <Step title="Upload ID">
    Take photo of passport or driver's license
  </Step>

  <Step title="Take Selfie">
    Follow on-screen instructions for liveness check
  </Step>

  <Step title="Wait for Review">
    Usually completed within minutes
  </Step>
</Steps>

## What Happens After Verification?

<Tabs>
  <Tab title="Immediate Benefits">
    * ✅ **Production API Keys** - Start processing real payments
    * ✅ **Increased Limits** - Higher transaction and balance limits
    * ✅ **Full Dashboard Access** - All features unlocked
    * ✅ **Priority Support** - Dedicated success manager
  </Tab>

  <Tab title="Ongoing Compliance">
    * 📋 **Transaction Monitoring** - Automated AML checks
    * 📋 **Periodic Reviews** - Annual KYB refresh
    * 📋 **Sanctions Screening** - Real-time checks
    * 📋 **Regulatory Updates** - We handle compliance changes
  </Tab>
</Tabs>

## Common Verification Issues

<CardGroup cols={2}>
  <Card title="Document Quality" icon="image">
    Ensure photos are clear, uncropped, and all text is readable
  </Card>

  <Card title="Name Matching" icon="user">
    Account name must match ID exactly
  </Card>

  <Card title="Address Proof" icon="house">
    Utility bills must be recent (\< 3 months)
  </Card>

  <Card title="Business Docs" icon="file">
    Ensure all pages are included and documents are current
  </Card>
</CardGroup>

## Need Help?

<Card title="Verification Support" icon="headset" href="https://zbd.one/sales">
  **Having Issues?** - Our compliance team can guide you through verification. Most issues are resolved in one call.
</Card>

***

<Info>
  **Compliance = Trust** - Our regulatory compliance isn't red tape – it's your protection. It means your funds are safe, your business is legitimate, and you can scale globally without worry.
</Info>