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KYC import lets a user reuse an identity check they’ve already completed elsewhere. If your product runs Sumsub KYC, or works with a partner who does, share the approved applicant with Daimo before the user enters a fiat flow. When applicable, this expedites enrollment for a fiat flow without asking users to repeat the same identity check. Daimo imports the applicant into our Sumsub tenant, links it to a Daimo account by verified email, and applies the imported review when the user needs fiat access.
KYC import is enabled per-org. Contact us before using this in production.

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How it works

  1. Your Sumsub integration creates a reusable KYC share token for the approved user. See Sumsub’s Reusable KYC via API docs for token generation.
  2. Your server sends the token to Daimo with POST /v1/sumsub/import.
  3. Daimo imports the applicant and stores the verified email from Sumsub.
  4. If a Daimo account with that email exists, Daimo links the import immediately.
  5. If the account does not exist yet, Daimo links it when the user signs in with the same email.
Once linked, the user skips repeat KYC in Daimo-hosted fiat flows when the imported review satisfies the rail’s requirements. Learn more about fiat in the guide.

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Import a share token

Call the import endpoint from your backend with your Daimo API key. Never call it from the client. 
curl -X POST https://api.daimo.com/v1/sumsub/import \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "shareToken": "SUMSUB_REUSABLE_KYC_SHARE_TOKEN"
  }'
The response returns a Daimo import ID: 
{
  "kycImport": {
    "id": "02ab4563-07ee-4373-8472-9c7dc1027409"
  }
}
The endpoint is idempotent for the same imported applicant. If the same verified email is already tied to a different Sumsub applicant, Daimo returns 409 conflict.

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Email matching

The imported Sumsub applicant must include a valid verified email. Daimo normalizes that email and uses it as the link key. The user should sign in to Daimo with the same email they used for the original KYC. If they use a different email, Daimo cannot attach the imported review to their account, and the hosted fiat flow may require additional identity verification.

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When to call it

Call KYC import as soon as you have the share token. You do not need to wait for a Daimo session or a fiat payment attempt. Good times to call it:
  • After the user completes KYC in your app.
  • During account linking, before showing Daimo fiat as a payment option.
  • During a migration or backfill for users who already completed KYC elsewhere.

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Reference

  • Import Sumsub KYC - import a reusable KYC share token.
  • Fiat - hosted fiat flows where imported KYC may be used for expedited verification.
  • Custom Integration - create sessions and drive hosted payment methods directly.