KYC Verification

# 1. Start: запустить KYC-сессию (phone required, +E164)
curl -X POST https://fin-os.io/api/v1/customers/$UUID/kyc/start \
  -H "Authorization: Bearer sk_test_..." \
  -H "Content-Type: application/json" \
  -d '{"phone": "+79001234567", "passport_type": "ru"}'

# 2. Documents: загрузить файлы (multipart; jpg|png|pdf, ≤10MB)
curl -X POST https://fin-os.io/api/v1/customers/$UUID/kyc/documents \
  -H "Authorization: Bearer sk_test_..." \
  -F "selfie=@selfie.jpg" \
  -F "passport=@passport.jpg" \
  -F "address=@utility_bill.pdf"

# 3. Request code: sandbox → mock_code "000000"
curl -X POST https://fin-os.io/api/v1/customers/$UUID/kyc/request-code \
  -H "Authorization: Bearer sk_test_..."

# 4. Verify code: 6 цифр; sandbox "000000" → мгновенно verified
curl -X POST https://fin-os.io/api/v1/customers/$UUID/kyc/verify-code \
  -H "Authorization: Bearer sk_test_..." \
  -H "Content-Type: application/json" \
  -d '{"code": "000000"}'

# 5. Status: поллинг (читается без consent)
curl https://fin-os.io/api/v1/customers/$UUID/kyc/status \
  -H "Authorization: Bearer sk_test_..."

# Reset: начать заново (максимум 5 / 24ч)
curl -X POST https://fin-os.io/api/v1/customers/$UUID/kyc/reset \
  -H "Authorization: Bearer sk_test_..."

const FINOS = 'https://fin-os.io/api/v1';
const KEY   = process.env.FINOS_SECRET_KEY; // sk_test_ в sandbox
const auth  = { 'Authorization': `Bearer ${KEY}` };

// Полный sandbox-flow: verified за один прогон
async function runKyc(uuid, phone, files) {
  // 1. start (kyc_status: not_started → pending)
  await fetch(`${FINOS}/customers/${uuid}/kyc/start`, {
    method: 'POST',
    headers: { ...auth, 'Content-Type': 'application/json' },
    body: JSON.stringify({ phone, passport_type: 'ru' }),
  });

  // 2. documents (multipart → pending → processing)
  const fd = new FormData();
  if (files.selfie)   fd.append('selfie', files.selfie);
  if (files.passport) fd.append('passport', files.passport);
  if (files.address)  fd.append('address', files.address);
  await fetch(`${FINOS}/customers/${uuid}/kyc/documents`, {
    method: 'POST', headers: auth, body: fd,
  });

  // 3. request-code → sandbox mock_code "000000"
  const codeRes = await fetch(`${FINOS}/customers/${uuid}/kyc/request-code`, {
    method: 'POST', headers: auth,
  });
  const { data } = await codeRes.json();
  const code = data.mock_code ?? '000000'; // в live код приходит по SMS

  // 4. verify-code → verified, kyc_level 2
  const verifyRes = await fetch(`${FINOS}/customers/${uuid}/kyc/verify-code`, {
    method: 'POST',
    headers: { ...auth, 'Content-Type': 'application/json' },
    body: JSON.stringify({ code }),
  });
  return (await verifyRes.json()).data; // { kyc_status: 'verified', kyc_level: 2 }
}

async function kycStatus(uuid) {
  const r = await fetch(`${FINOS}/customers/${uuid}/kyc/status`, { headers: auth });
  return (await r.json()).data;
}

use Illuminate\Support\Facades\Http;

class FinosKyc
{
    private string $base = 'https://fin-os.io/api/v1';

    public function __construct(private string $secretKey) {} // sk_test_ или sk_live_

    public function start(string $uuid, string $phone, string $passportType = 'ru'): array
    {
        return Http::withToken($this->secretKey)
            ->post("{$this->base}/customers/{$uuid}/kyc/start", [
                'phone'         => $phone,
                'passport_type' => $passportType,
            ])
            ->json('data');
    }

    public function submitDocuments(string $uuid, string $selfie, string $passport, ?string $address = null): array
    {
        $req = Http::withToken($this->secretKey)
            ->attach('selfie', file_get_contents($selfie), basename($selfie))
            ->attach('passport', file_get_contents($passport), basename($passport));
        if ($address) {
            $req = $req->attach('address', file_get_contents($address), basename($address));
        }
        return $req->post("{$this->base}/customers/{$uuid}/kyc/documents")->json('data');
    }

    public function verify(string $uuid): array
    {
        // sandbox: request-code отдаёт mock_code "000000"
        $code = Http::withToken($this->secretKey)
            ->post("{$this->base}/customers/{$uuid}/kyc/request-code")
            ->json('data.mock_code') ?? '000000';

        return Http::withToken($this->secretKey)
            ->post("{$this->base}/customers/{$uuid}/kyc/verify-code", ['code' => $code])
            ->json('data'); // ['kyc_status' => 'verified', 'kyc_level' => 2]
    }

    public function status(string $uuid): array
    {
        return Http::withToken($this->secretKey)
            ->get("{$this->base}/customers/{$uuid}/kyc/status")
            ->json('data');
    }
}

import requests, os

FINOS = 'https://fin-os.io/api/v1'
KEY   = os.environ['FINOS_SECRET_KEY']  # sk_test_ в sandbox
H     = {'Authorization': f'Bearer {KEY}'}

def start(uuid, phone, passport_type='ru'):
    r = requests.post(f'{FINOS}/customers/{uuid}/kyc/start', headers=H,
                      json={'phone': phone, 'passport_type': passport_type})
    r.raise_for_status()
    return r.json()['data']

def submit_documents(uuid, selfie, passport, address=None):
    files = {'selfie': open(selfie, 'rb'), 'passport': open(passport, 'rb')}
    if address:
        files['address'] = open(address, 'rb')
    r = requests.post(f'{FINOS}/customers/{uuid}/kyc/documents', headers=H, files=files)
    r.raise_for_status()
    return r.json()['data']

def verify(uuid):
    # sandbox: request-code возвращает mock_code "000000" (в live — приходит по SMS)
    code = requests.post(f'{FINOS}/customers/{uuid}/kyc/request-code',
                         headers=H).json()['data'].get('mock_code', '000000')
    r = requests.post(f'{FINOS}/customers/{uuid}/kyc/verify-code',
                      headers=H, json={'code': code})
    r.raise_for_status()
    return r.json()['data']  # {'kyc_status': 'verified', 'kyc_level': 2}

# usage
start(customer_uuid, '+79001234567')
submit_documents(customer_uuid, 'selfie.jpg', 'passport.jpg', 'utility_bill.pdf')
result = verify(customer_uuid)
print('KYC:', result['kyc_status'], 'level', result['kyc_level'])