Does the customer take a selfie for every ID?

No. One selfie and one liveness check cover the whole run, and it is compared with each record photo.

How are two IDs billed?

Each ID's own steps are charged, so two lookups and two face comparisons. The selfie's liveness check and the device check are charged once.

What if the second ID carries a different name?

The result says which fields disagreed. Our matcher allows for middle names and spelling, and anything it cannot reconcile is sent to review with both values shown to your team.

Can a lower tier skip the face check?

Yes. Each workflow chooses its own steps, so the first tier can be a number and a phone code, and the face check can arrive with the upgrade.

Can we change the checks without a release?

Yes. Workflows are built and published in the dashboard. Your app keeps the same workflow ID and picks up the new version, and every earlier version is kept so you can see which one decided a past check.

Per check, from prepaid credit in US dollars. Each check is billed by the steps it runs, with no subscription, seat fee or minimum, and the sandbox is free. Every rate is published on the pricing page.

Use case · Tiered KYC

Tiered KYC

Start light.Ask for morewhen limits rise.

A wallet that asks for everything on day one loses the customer. Tiered accounts open on one ID and unlock higher limits as the customer adds a second ID, an address and a face check. Toden runs each tier as its own workflow against the same customer record, so nothing is asked twice.

Start free Read the docs

The workflow

One customer record, several workflows: each tier adds evidence instead of starting again. This is a starting point: add, remove or reorder any step in the workflow builder.

Step 01

Government database validation

Nigeria, BVN: the ID the account opened on

Per check

Step 02

Government database validation

Nigeria, NIN: the second ID

Per check

Step 03

Passive Liveness

One selfie for both IDs

Per check

Step 04

Facial Match ×2

Selfie against each record photo

Per check

Step 05

Address Intelligence

A map pin checked against their records

Per check

Step 06

Device Intelligence

Flags shared devices and risky networks

Per check

Then your rules decide

A starting rule set

Fewer IDs pass than the tier requiresDecline
The two IDs name different peopleReview
The address is not supported by any recordReview
Both IDs pass and the address agreesApprove

Every rule is yours to change on a visual canvas, and each result records which rule decided it. Publishing a new version needs no release.

Try the workflow builder

How it works

1

Open on one ID

The first tier takes a phone number and a BVN or NIN. The account opens in seconds with low limits.

2

Upgrade with a second ID and an address

When the customer wants more, the next workflow asks for a second ID and where they live. One selfie covers both IDs.

3

Keep one record

Every tier lands on the same customer, keyed by your own user reference, with each verified ID, address and decision on one timeline.

What powers it

Ask for two or three IDs in a single run, set how many must pass, and receive one result with each ID's outcome inside it.

Integrate

Mount the SDK with the workflow you published, or send a hosted link and write no code. The result arrives by signed webhook, and changing the workflow never needs a release.

Verify.tsxTypeScript · React

import { TodenVerification } from "@todenhq/sdk-react";
 
export function Verify({ userId }) {
  return (
    <TodenVerification
      apiKey="pk_test_..."
      workflowId="wf_AbC123dEf456"
      userId={userId}
      onSubmit={(s) => save(s.verificationId)}
    />
  );
}

verification.completedWebhook · JSON

{
  "event": "verification.completed",
  "data": {
    "verificationId": "ver_8fk2...",
    "status": "verified",
    "assuranceLevel": "gov_db",
    "idType": "bvn",
    "country": "NG",
    "dataMatch": true,
    "facialMatch": true,
    "facialConfidence": 91
  }
}