Overview

A Person is a profile of a private person registered in the banking system of a White Label. All profiles are created without any manual assistance due to user registration via the Online Sign-Up form. For additional information, see Web and Mobile Interfaces.

The Persons tab provides the list of all users registered on the platform. Find, review, and edit profiles using the Persons tab.

Opening the item

Follow the steps to access a Person profile:

  1. Navigate to the Admin Panel

  2. Click Banking on the left sidebar

  3. Go to the Persons menu item to open the Persons List.

  4. Click a Person’s name in the Name column or use the Show action to open the user profile.

How to create a Person profile

By default, all profiles are created by external service providers. Keep in mind, you have to perform unassisted identification when creating a profile manually via the Admin Panel.

To create a Person

  1. Navigate to the Persons menu item.

  2. Click Add New in the top-right corner of the tab.

  3. Fill in the Personal form that includes the following:

    1. Passport details, such as Name, Date of birth, and Nationality.

    2. Public ID—an internal nickname used instead of detailed information such as names, account numbers, and contacts.

    3. Person type defining the group of clients the profile belongs to. The groups are configured in Dictionaries and allow White Labels to set limits and price lists per each group. See Dictionary for configuration details.

  4. Complete the Contacts field. The information is obligatory.

  5. Add legal address information to the Location field.

  6. Set the default currency and price list in the Settings field for commissioning (see Price lists for details).

  7. The defined limit will be dependent on the verification level (see Limits for details). It is possible to select a Limit manually from the Limit drop-down list.

  8. Set custom limits in the Custom threshold limits field if necessary. The defined threshold will be applied only to the current client and will be of the higher priority compared to the Limit pack thresholds.

  9. Fill in the Security field paying attention to Verification levels and Access Roles (see Limits, Access roles, and Identification requests for details).

  10. Tags are optional.

  11. Click Create to submit changes.

Public Id is optional and mostly set by the Client as an additional detail for transfer execution. A Public Id can be used instead of account/card numbers for internal transfers.

Creating a profile

Component parameters

Persons list

Parameter

Description

ID

The column demonstrates unique user identification numbers in the Crassula system. ID is generated when a profile is created.

Name

The column includes the user’s First name and Last name. Click a User Name to open their profile details.

Emails

Personal emails are demonstrated in the column.

An Email is used as a log-in, therefore be careful when changing Client emails.

Verification Status

Verification status depending the contacts and documents provided:

  • Identified (email, phone number, and documents verified)

  • Phone verified (email and phone number verified)

  • Email verified (only email verified)

  • Not verified (none)

See Identification requests and Limits for details on the verification process and limitations.

State

Profile restrictions set by KYC Administrators or Identification providers:

  • Active (no restrictions applied)

  • Suspended (temporarily blocked until the circumstances are clarified, no outgoing transactions allowed)

  • Blocked (permanently blocked, the Interface access is denied)

In order to manually stop all transactions of a Client, change their account status in the account details. See Accounts for additional information.

Created at

Registration date and time (UTC/GMT).

Action

  • Click Show to open the profile without the ability to edit it.

  • Click Edit to open profile details with the right to edit the details.

Filters

Allow to search for profiles of individuals by certain parameters. Search is filtered by the following parameters, multiple-choice is available:

  • ID - a unique identification number of a profile in the system;

  • First Name - the name of the individual in the profile;

  • Last Name - last name of the individual in the profile;

  • Phone - phone number that is specified in the profile;

  • Emails - email that is specified in the profile;

  • State - active / suspended / blocked;

  • Country - country name defined in the legal address;

  • Verification Level - verification level of the profile;

  • Verification Status - Identified / Phone verified / Email verified / Not verified

  • Created At - creation date of the profile;

  • Tags - optional tags assigned to a Person profile for additional filtering;

  • Access groups - access group that is specified in the profile

Add new

Create a profile manually. See the following sections for details.

Help

Click to access the current page right from the Admin Panel.

Configuring the component

The user profile is the main panel of user information display and editing.

Profile details

Parameter

Description

Personal

The field includes the main personal information including the following:

  • Personal details as per passport:

    • First name.

    • Last name.

    • Birth date.

    • Gender.

    • Nationality.

  • Profile details filled by a service provider:

    • Photo.

    • ID .

    • Person type—set the parameter to define the group of clients the profile should belong to. The groups are configured in Dictionaries and allow White Labels to set limits and price lists per each group. See Dictionary for configuration details.

    • Legal name is a non-editable field containing the full name of a person. The parameter is set by the Sumsub service provider.

    • Language.

    • Created at.

    • Updated at.

  • Profile details that can be set by the Client:

    • Public Id is a short name entered by the user. Being an alternative to the internal Id, the Public Id could be used instead of detailed information such as names, account numbers, and contacts. It can be provided to another user as the main contact information for internal transfers, therefore the personal data are not disclosed. If it is not entered by the user then it will be automatically generated by the system.

Accounts

The list of all Client’s accounts opened. Click an account number to see the account details. See Accounts for additional information.

Contacts

Emails and phone numbers connected to the profile.

Location

User legal address. The data is completed by a service provider. If a service provider does not take part in the registration process, the field contains the data entered by the Client.

Settings

Internal service details:

  • The default currency is the primary account currency chosen by the user. All fees are charged in the default currency

  • Price list is a set of fees applied to the user. See Price lists for details.

  • Skip Transfer Pre Approval allows to deactivate the second stage of transfer approval by an Administrator. Even though, it is recommended to keep the approval active.

Fees

Essential fees presented in the Price List. Click the Price List name to see the whole list of fees. See Price lists for additional details on the functionality.

Package limits

Standard limits applied to the user. See Limits for details.

  • The limit depends on the Verification Status; the more substantial the verification status, the higher the Limit level is.

  • Thresholds pack is a detailed description of the Limit thresholds.

Custom Person Thresholds

Click Add new to set an individual limit for the Client. The functionality is available in the Edit mode.
Custom threshold details will be available in the field.

Security

Internal verification details.

  • Verification status

    • Identified (email, phone number, and documents verified)

    • Phone verified (email and phone number verified)

    • Email verified (only email verified)

    • Not verified (none)

  • Verification Level

    • Level 1 (email and phone number verified)

    • Level 2 ( email, phone number, and documents verified by Sumsub service provider)

    • Level 3 (the level is set manually if an additional verification level is required. For example, address verification)

    • Level 4 (the level is set manually if additional verification level is required. For example, proof of funds)

    • Level 5 (custom requirements that can be used to extend the limits provided, the functionality can be enabled in the system configs)

  • State - restrictions set by KYC Administrators or Identification providers

    • Active (no restrictions applied)

    • Suspended (temporarily blocked until the circumstances are clarified, no outgoing transactions allowed)

    • Blocked (permanently blocked, the Interface access is denied)

  • State reason is provided if the user is permanently or temporarily blocked. The reason should not be provided to the client.

  • Password - the field allows to set a new password for the Client’s Web Interface.

  • Access roles define the list of active access roles applied to the Client (see Access roles for details). The parameter is available only in the Edit mode.

  • Member of Access groups - the parameter defines access groups assigned to the client if there are any.

Metadata

An API connection to external service Providers. If any external service has been used, the API link or external user Id is demonstrated in the field.

Top toolbar

Provides intersectional information correlated to the user – it can also be found in other Banking tabs. The essentials are the following:

  • Documents uploaded by the user

  • Accounts that are assigned to the user in the system

  • Companies that are assigned to the user in the system.

  • Two-factor authentication methods applied to the user

  • API keys applied to the Client

  • Saved top-up cards used by the Client

  • Legal agreements signed by the customer including changes and approval history

  • Notes created by an Administrator

  • Application forms assigned to the Client

  • Help—click to access the current page right from the Admin Panel.

Useful tips

  • Remember to use Advanced filters in the Person List top-right corner for better search

  • Refer to the top toolbar of the user profile for specific details