# Part 3: Client Onboarding

Fiat24’s client onboarding module is designed for seamless integration. We offer two flexible approaches:

1. **No-code integration** – Ideal for Web3 dApp developers who want a quick and practical setup without writing code.
2. **Sumsub-based integration** – Recommended for native app developers who prefer embedding the onboarding module directly into their application code for maximum control and customisation.

## 1. No-code integration

{% hint style="info" %}
Only for 4-Digit and 3-Digit Developer NFT projects.
{% endhint %}

This guide illustrates how Fiat24 separately manages the client information **in a dedicated site&#x20;**<mark style="color:purple;">**id.fiat24.com**</mark>.

```javascript
https://id.fiat24.com/login?wallet=<walletTokenId>
```

> The parameter `walletTokenId` needs to be added in case you want to customise the **Login Page** with your colors and name

Our onboarding process involves several steps to verify the identity of the customer and ensure that they meet the Swiss KYC/AML requirements to open an account with Fiat24. Here is a general overview of the onboarding process with us:

{% hint style="info" %}
To start the onboarding process, the customer must own a Fiat24 NFT from [www.fiat24.com](http://www.fiat24.com) or OpenSea shop. The NFT must be not verified before (NFT.status = 2).
{% endhint %}

1. **Check Profile**\
   This step check the eligibility of the client to open the account with Fiat24. It involves domicile and nationality check, pre-conditional risk questionnaires and collect client's email and phone number. Fiat24 conducts background checks on the customer to verify their profile and ensure that they meet our requirements to open an account.
2. **Check Address**\
   We comply with Swiss regulation to verify user's residential address by GPS location. This step should be done within the browsers such as Chrome or Safari, but not the browser inside the crypto wallet, which usually disabled the Location Services for better safety. According the related regulation, the user must be within **2 km** from the given address.<br>

   <figure><img src="/files/PoqWDAdqcQ2W74yYvByB" alt=""><figcaption></figcaption></figure>
3. **Scan Passport or National ID**\
   Fiat24 will verify the user's identity by asking for the passport/national ID scan. The user need to hold a NFC chip enabled passport/national ID to confirm their identity. User need to download the ePassport app *<mark style="color:purple;">ReadID Ready</mark>* and scan the generated QR code to continue.<br>

   <figure><img src="/files/4mRV2dTZDJH9Ebz3TDTw" alt=""><figcaption></figcaption></figure>

Once the customer's identity has been verified and their background checks have been completed, Fiat24 will set up their account. <mark style="color:purple;">It will take 3-10 minutes.</mark>

Once the client has completed the onboarding process and their account has been funded, they can start using the Fiat24's services, such as making deposits, withdrawing funds, and conducting transactions.

## 2. Sumsub-based Integration

{% hint style="info" %}
This function works with **UR Technology Pte Ltd** in Singapore, a fintech company and a strategic partner of **Fiat24**
{% endhint %}

Under this model, the end user is required to hold a Fiat24 NFT prior to initiating the process. A **Sumsub** access token, scoped to the user’s NFT identifier, is requested, after which the **Sumsub SDK** is launched to collect identity documentation and biometric data.

{% stepper %}
{% step %}

#### User mint a Fiat24 NFT

Prior to initiating the **Sumsub** verification process, the user must already own a **Fiat24** NFT and hold `Tourist` status
{% endstep %}

{% step %}

#### Create a Sumsub Token

[A new **Sumsub** access token is issued](https://docs.fiat24.com/developer/integration-guide/pages/QKy8Mmp46euyKqRm8SP3#id-11.-create-sumsub-token) only after the user proves control of the wallet tied to the Fiat24 NFT by signing a server-provided challenge using the corresponding private key.
{% endstep %}

{% step %}

#### Launch Sumsub Verification

{% hint style="info" %}
Developer can call Sumsub in various framework, more details please refer:

<https://docs.sumsub.com/docs/framework-plugins>
{% endhint %}

Developer's native app loads the verification steps with the Token. Sumsub will run the following steps:

* Email verification
* Scanning NFC Passport
* Capture GPS location as PoA (Proof-of-Address)
* Risk Questionnaires

<figure><img src="/files/xdfrv22HPbZowojG8IPA" alt=""><figcaption></figcaption></figure>
{% endstep %}

{% step %}

#### End

Upon completion of the asynchronous compliance review, which generally concludes within minutes, Fiat24 updates the associated NFT’s on-chain status to `Live`. The KYC status is made available to developers through an [API endpoint](https://docs.fiat24.com/developer/integration-guide/pages/QKy8Mmp46euyKqRm8SP3#id-4.-kyc-status-check).
{% endstep %}
{% endstepper %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.fiat24.com/developer/integration-guide/part-3-client-onboarding.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.