Automated Risk analysis and definition

[cruzdanilo]

After the user has completed the KYC process, according to the information they provided they will fall into one of the following risk categories: Low, medium or high.
Immediately after the KYC is approved by Persona, we need to define the user's risk level and act accordingly:

• If the user level is low, we can approve them and grant them access to the Card an any other permissioned features.
• If the user risk level is medium we need to trigger a proof of address flow, also created by persona, which will be reviewed manually after completion and approved if it seems ok.
• If the user risk level is high we need to trigger two additional KYC processes, proof of address and proof of income. Both will be reviewed automatically and manually.

For this to be possible we need to automatically calculate the risk level according to the definitions in this document