Step One: Create a Workflow
A workflow refers to the specific configuration of the Instnt Accept™ product platform that you integrate into your system. To create a workflow, start by selecting the fields you want to use for your signup process. After choosing the fields, you can customize the workflow by adding features, security measures, and integration attributes to suit your needs.
Here are the steps:
- Go to the Instnt dashboard and click on "Create Workflow."
- Enter a Workflow Name, and then click on "Next Step."
Step Two: Select Fields
To start, choose the type of user data you want to collect from the available fields. Instnt provides a comprehensive list of commonly used fields for signup processes, and you can also include your custom fields if necessary. Required fields are highlighted in gray, and you can add custom fields by clicking the "Add New Field'' button. Custom fields can also be designated as required.
Click "Next Step" to continue.
Step Three: Enable Checks
Checks Tab, where simplicity meets control. Here, you can enable three key features—KYC, OTP, and Document Verification—one at a time, aligning your verification process with your specific needs. Notably, If the Date Of Birth field is not selected, KYC remains disabled until you choose to include it. Please note that some of these features have dependencies on the rule selection, and the feature-field relations are mentioned in the Field Data Dictionary. This rule may vary for the US and Canada. For a closer inspection, just click the "Full Screen" icon to open a larger image view for each feature. Streamline your verifications effortlessly with our Checks Tab.
Enable Know Your Customer (KYC)
Know Your Customer (KYC) Compliance feature allows for the implementation of additional customer identification programs and KYC compliance verification checks. For KYC, both the National ID (SSN) and Date of Birth are required for the US, but for Canada, only Date of Birth is required. Some of these features have dependencies on the rule selection, and the feature-field relations are detailed in the Fields Dictionary.
It is important to note that this feature is enabled by default, and disabling it will prevent Instnt from performing these checks, potentially leading to non-compliance with KYC regulations. It is strongly recommended to keep this feature enabled to ensure compliance with the regulations.
Enable One-Time Pin (OTP)
One-Time Pin (OTP) feature provides an additional layer of security by verifying the user's trusted phone number for identity authentication and confirming the physical location of the device.
It's important to note that this feature is enabled by default, and disabling it will remove this additional security layer, potentially increasing the risk of fraudulent activities. It is strongly recommended to keep this feature enabled to maintain compliance with regulations.
Enable Document Verification
Digital onboarding eliminates the requirement for users to be physically present for identity verification. Instnt offers Document Verification, which is enabled by default, to electronically verify driver's licenses, passports, state IDs, and other documents. This feature authenticates physical documents as proof of identity by comparing selfies and verifying barcode data. For detailed information on setting up this feature, see the Document Verification Doc.
Click "Next Step" to continue.
Step Four: Add Custom Decision Rules
Custom Decision Rules are a powerful addition to the Instnt Workflow, enabling you to customize your decision-making process like never before. With this feature, you can create and manage rules that determine how decisions are made based on various input types. Whether you need to make real-time decisions or automate complex workflows, Custom Decision Rules offer the flexibility and control you require. For more information, see the Custom Decision Rules Doc.
Click "Next Step" to continue.
Step Five: Security Features
Instnt offers robust security features, including trusted domains and encryption management, to protect the platform's infrastructure. If you're integrating with Instnt through a web application, please provide the domain name(s) of your site that can be publicly reverse-lookup verified, such as www.acme.com, *.acme.com, or www.foo.com. For more information on implementing trusted domains, see the Instnt CORS Implementation guide.
To enable encryption management, please provide the public portion of your public-key infrastructure (PKI) key pair. Instnt will use your public key to encrypt API responses and sign them with our private key, ensuring that only you can securely decrypt them. For detailed instructions on using encryption management and decrypting data, see the Data Encryption and Decryption guide.
Click "Next Step" to continue.
Step Six: Review Integration Type
Instnt provides custom integrations tailored to your workflow, with each integration method corresponding to an SDK. We offer various integration types, including the JavaScript SDK, React SDK, Angular SDK, Android SDK, iOS SDK, and more.
To assist with implementation, each integration is accompanied by sample code and documentation hosted on GitHub. The relevant GitHub repository includes a readme file outlining the necessary steps to connect your custom integration with your workflow.
To receive real-time updates on decision events in your workflow, you can utilize Instnt Webhooks. For detailed instructions on implementing Webhooks, see the Instnt Webhooks Doc.
Click "Next Step" to continue.
Step Seven: Enable Verify
Instnt Verify™is a continuous identity assurance solution that enables businesses to effortlessly verify transactions made by authorized account owners. It prevents fraudulent account takeovers and supports anti-money laundering efforts, offering comprehensive identity assurance throughout the entire process, from account opening to every transaction. It is strongly recommended to keep this feature enabled to ensure compliance with regulations.
Click "Next Step" to continue.
Step Eight: Enable Access
Instnt Access™ is a decentralized identity verification and KYC solution using the Hyperledger blockchain. It allows end-users to sign up once and never again, providing them with frictionless access to your products and services with a single click. Businesses no longer need to compromise end-user experience for security, risk, and compliance requirements. It is strongly recommended to keep this feature enabled to ensure compliance with regulations.
Click "Next Step" to continue.
Review your custom workflow, and to save and create it, simply click on the "Create Workflow" button.