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Moria

Onboarding & KYC

What it is

Section titled “What it is”

Onboarding is how a person becomes a member with a working wallet. It covers two paths — self-registration and invitation by an organization — and the identity verification (KYC) that unlocks money movement. At the end, the member has a provisioned wallet ready to use.

Shariah basis

Section titled “Shariah basis”

Onboarding is a process, not a financial contract. It exists to establish a verified identity — a prerequisite for the compliant, accountable handling of funds across every product.

Who it is for

Section titled “Who it is for”
  • Members signing up directly.
  • Organizations inviting members they already know (a cooperative enrolling its people).

Key capabilities

Section titled “Key capabilities”
  • Two entry paths — a member self-registers, or an organization invites them.
  • OTP verification — a one-time code confirms the contact (phone / email).
  • Profile & identity — the member completes their profile and submits identity documents.
  • KYC — identity documents are verified before money can move.
  • Wallet provisioning — a main balance and payment account are created automatically.

The flow

Section titled “The flow”
sequenceDiagram
    autonumber
    actor P as Person
    participant Org as Organization
    participant App as Moria app

    alt Invitation
        Org->>App: Invite member
        App-->>P: Invitation + OTP
    else Self-registration
        P->>App: Register (contact details)
        App-->>P: OTP
    end
    P->>App: Confirm OTP
    P->>App: Complete profile + identity documents
    App->>App: Verify identity (KYC)
    App->>App: Provision wallet + payment account
    App-->>P: Wallet ready to use

After onboarding

Section titled “After onboarding”

Once verified, the member has:

  • A main balance ready for top-up.
  • Access to whichever products the organization has enabled.
  • The ability to set a transaction PIN to authorize money-out.

What you can configure

Section titled “What you can configure”
  • Entry paths — allow self-registration, invitation-only, or both.
  • KYC requirements — the identity documents you require.
  • Which products a new member sees on day one.
  • Branding & language — the whole flow under your brand, in ID / EN / AR.

Limits

Section titled “Limits”
  • Money movement requires a verified identity — KYC is not optional for transacting.
  • OTP confirmation is required to activate an account.
  • Provisioning depends on the connected payment provider being reachable.
Section titled “Related”