Documentation Requirements

Oct 13, 2025 by talynt.org 59 views

idOS v1 KYC Credential Schema: A Comprehensive Guide

Overview

In the rapidly evolving landscape of digital identity verification, the need for a standardized and universally applicable KYC (Know Your Customer) credential schema has become increasingly pressing. idOS v1 aims to address this challenge by designing a KYC Credential Schema that not only maximizes reusability across multiple use cases but also satisfies various regulatory requirements. This article provides an in-depth exploration of the idOS v1 KYC Credential Schema, its implementation decisions, and the updated properties that form the foundation of this innovative solution.

Implementation Decisions

The idOS v1 KYC Credential Schema is built upon several key implementation decisions that ensure its flexibility, scalability, and compliance with regulatory standards.

Signature & Verification

The idOS SDK must generate and verify JSON-LD credentials using Ed25519Signature2020 signatures. This ensures that the credentials are securely signed and verified, providing a high level of assurance and trust in the identity verification process.

Document Resolution

The SDK should not hardcode document-resolver dependencies (e.g., Fractal, etc.). This allows for greater flexibility and adaptability in the credential schema, enabling it to be easily integrated with various document resolution services.

Library Choice

Digital Bazaar's library will be used for issuance and verification, with dynamic document loader support. This library provides a robust and reliable foundation for the credential schema, ensuring that it can handle complex verification processes with ease.

Schema Resolution

The idOS KYC Credential schema will be shipped by default within the SDK. The default document loader resolves the idOS credential schema from a static URL. Integrators can extend this mapping dynamically for custom schemas, allowing for seamless integration with various use cases.

Issuer Resolution

Accepted issuers must be manually configured via a Document Loader. idOS will publish a list of authorized data issuers in the documentation, ensuring that only trusted and compliant issuers are integrated into the credential schema.

Issuer Representation

Issuer representation can be either a URL format with multibase key (e.g., https://vc-issuers.verifier.id/keys/1#zN...) or a document loader that fulfills the role of discovering the right key controller document. This allows for flexibility in issuer representation, enabling issuers to choose the most suitable format for their needs.

Documentation Requirements

Issuers must specify how their VerificationMethod (keys) should be represented. Issuers must also publish a document loader to allow others to integrate their representation, ensuring that the credential schema remains transparent and accessible.

Updated Properties

The idOS v1 KYC Credential Schema includes a comprehensive set of updated properties that provide a robust and reliable foundation for identity verification. These properties include:

Aligned Property	Description
KYC (Level)	Level of KYC verification performed (e.g., basic, intermediate, advanced).
First Name	Given name of the individual.
Family Name	Surname of the individual.
Middle Name	Middle name(s) of the individual, if applicable.
Government Identifier	Unique identifier issued by a government authority (e.g., SSN, Tax ID).
Government Identifier Type	Type of government identifier (e.g., Social Security Number, Tax ID, etc.).
Last Name at Birth	Family name at birth (e.g., maiden name).
Date of Birth	Date of birth of the individual.
Place of Birth	City and state/province of birth.
ID Document Country	Country that issued the identity document.
ID Document Number	Unique number on the identity document.
ID Document Type	Type of identity document (e.g., Passport, Driver’s License, National ID).
ID Document Date of Issue	Date the identity document was issued.
ID Document Date of Expiry	Expiration date of the identity document.
ID Document Front File	File or URL representing the front of the identity document.
ID Document Back File	File or URL representing the back of the identity document.
ID Document Selfie File	File or URL of a selfie with the identity document for verification purposes.
Residential Address	Full residential address of the individual.
Residential Address Country	Country of the residential address.
Residential Address Proof Category	Type of document provided to verify the address (e.g., utility bill, bank statement).
Residential Address Proof Date Of Issue	Date the address proof document was issued.
Residential Address Proof File	File or URL of the document provided as address proof.
Credential Subject ID	Unique identifier for the subject of the credential.
Issuance Date	Date the credential was issued.
Expiration Date	Date the credential expires, if applicable.
Issuer	Entity that issued the credential.
ID (unique credential)	Unique identifier for the credential itself.

In conclusion, the idOS v1 KYC Credential Schema provides a comprehensive and flexible solution for identity verification, ensuring that it meets the needs of various use cases while satisfying regulatory requirements. By incorporating a robust set of updated properties and implementing key decisions, idOS v1 sets a new standard for KYC credential schemas, providing a reliable and trustworthy foundation for digital identity verification.
idOS v1 KYC Credential Schema: Frequently Asked Questions

Overview

Q&A

Q: What is the idOS v1 KYC Credential Schema?

A: The idOS v1 KYC Credential Schema is a standardized and universally applicable KYC (Know Your Customer) credential schema designed to maximize reusability across multiple use cases while satisfying various regulatory requirements.

Q: What are the key implementation decisions behind the idOS v1 KYC Credential Schema?

A: The idOS v1 KYC Credential Schema is built upon several key implementation decisions, including the use of Ed25519Signature2020 signatures for secure credential signing and verification, the avoidance of hardcoded document-resolver dependencies, and the use of Digital Bazaar's library for issuance and verification with dynamic document loader support.

Q: What are the updated properties included in the idOS v1 KYC Credential Schema?

A: The idOS v1 KYC Credential Schema includes a comprehensive set of updated properties, including KYC (Level), First Name, Family Name, Middle Name, Government Identifier, Government Identifier Type, Last Name at Birth, Date of Birth, Place of Birth, ID Document Country, ID Document Number, ID Document Type, ID Document Date of Issue, ID Document Date of Expiry, ID Document Front File, ID Document Back File, ID Document Selfie File, Residential Address, Residential Address Country, Residential Address Proof Category, Residential Address Proof Date Of Issue, Residential Address Proof File, Credential Subject ID, Issuance Date, Expiration Date, Issuer, and ID (unique credential).

Q: How does the idOS v1 KYC Credential Schema ensure compliance with regulatory requirements?

A: The idOS v1 KYC Credential Schema is designed to satisfy various regulatory requirements by incorporating a robust set of updated properties and implementing key decisions, such as the use of secure signature schemes and the avoidance of hardcoded document-resolver dependencies.

Q: Can the idOS v1 KYC Credential Schema be customized to meet the needs of specific use cases?

A: Yes, the idOS v1 KYC Credential Schema can be customized to meet the needs of specific use cases by extending the mapping dynamically for custom schemas, allowing for seamless integration with various use cases.

Q: How does the idOS v1 KYC Credential Schema ensure the security and trustworthiness of identity verification?

A: The idOS v1 KYC Credential Schema ensures the security and trustworthiness of identity verification by incorporating secure signature schemes, avoiding hardcoded document-resolver dependencies, and using Digital Bazaar's library for issuance and verification with dynamic document loader support.

Q: What are the benefits of using the idOS v1 KYC Credential Schema?

A: The idOS v1 KYC Credential Schema provides a comprehensive and flexible solution for identity verification, ensuring that it meets the needs of various use cases while satisfying regulatory requirements. By incorporating a robust set of updated properties and implementing key decisions, the idOS v1 KYC Credential Schema sets a new standard for KYC credential schemas, providing a reliable and trustworthy foundation for digital identity verification.

Conclusion

The idOS v1 KYC Credential Schema is a comprehensive and flexible solution for identity verification, designed to meet the needs of various use cases while satisfying regulatory requirements. By addressing some of the most frequently asked questions about the idOS v1 KYC Credential Schema, we hope to provide clarity and insight into its implementation, properties, and benefits. Whether you are a developer, a business leader, or a regulatory expert, the idOS v1 KYC Credential Schema is an essential resource for anyone involved in digital identity verification.