4. Monitor User Onboarding

When the user successfully completes the onboarding flow, KYC identity verification will be kicked off automatically.

Based on the compliance score, a User Onboarding will be automatically approved, automatically denied, or have a Case opened for manual review. Using your sandbox account, you can test these scenarios by entering in select names in the user onboarding flow (the other details do not matter). The sandbox will return dummy data and not run live checks on the data submitted, as those require calls to downstream data providers.

Compliance Score	Sandbox Simulation	Result
`low` or `medium`	Use the name `Harry Potter`.	The `User Onboarding` will be automatically `approved`.
`high`	Use the name `Severus Snape`.	A `Case` will be opened for manual review, and the `User Onboarding` will be in `needs_approval` state.
`very_high`	Use the name `Lucius Malfoy`.	The `User Onboarding` will be automatically `denied`.

Webhooks are used to provide status updates on User Onboardings.

If a User Onboarding is approved a Counterparty and External Account will be created. If a User Onboarding is denied a Counterparty will not be created. The id of the Counterparty and External Accounts will be included in the webhooks and User Onboarding object.

{
  "event": "approved",
  "data": {
      "id": "e640a26e-4289-4799-b991-e5a136b94428",
      "object": "user_onboarding",
      "live_mode": true,
      "metadata": {},
      "party_type": "individual",
      "status": "approved",
    "counterparty_id": "72d63b95-910f-41ae-a13c-5a9465c891a1",
    "external_account_id": "4c95964e-c9d4-4102-9183-2c8ae39e2c1d",
    "decision_id": "08d9b87d-67a2-4234-a6d0-e8fec11ebb4f",
    "created_at": "2022-05-16T05:14:02Z",
    "updated_at": "2022-05-16T05:14:02Z"
    }
}

Additional information about the User Onboarding can be found in the related Decision object.