Verification
What verificationunlocks.
Dollars on Tempo need no identity check. Bank money does: Bridge, the provider for supported bank services, verifies you on its own page.
Swaps team4 min read
Account verification
Example- Wallet
- No identity check
- Crypto processing
- No bank account needed
- Bank payments
- One check unlocks them
- Provider
- Bridge
Documents go to Bridge, never to Swaps.
What needs what.
Swaps does not verify you itself. When a product moves bank money, Bridge checks who you are, under its own rules. As of :
| You want to | What you need | Who checks |
|---|---|---|
| Hold, receive and send on Tempo | Nothing | No check |
| Draft links, invoices and pay runs | Nothing | No check |
| Accept crypto with Crypto processing, where enabled | No bank account | No check |
| Activate payment links, get bank details, send to your bank, pay an invoice, run payroll | Individual or business verification | Bridge |
| Pay out in a currency | One more step for each currency | Bridge |
| Higher limits | Your source of funds | Bridge |
| Buy crypto | What the provider asks at its checkout | The provider you pick |
How verification works.
Choose individual or business
Individual is for freelance and personal work; business is for a company you invoice for. Bridge verifies the account as one or the other.
Verify on Bridge’s page
An individual identity check (KYC) usually takes 2–3 minutes; manual review can take up to 5 business days. A business completes Bridge’s business verification (KYB). Bridge asks for the documents and keeps them.
Bridge reviews it
Your dashboard shows each stage: submitted, in progress, under review, decision. It updates on its own when the review completes.
Unlock the currencies you use
For each payout currency you want, Bridge may need one more step. Your dashboard lists them one by one.
Each currency unlocks on its own.
Verification opens bank payments. A payout currency, such as USD by ACH or wire or EUR by SEPA, unlocks with its own step at Bridge. You only complete the ones you need.
Verified as an individual? Bridge turns on incoming bank transfers separately. Until it does, your payment links take crypto, where enabled.
When Bridge asks for more.
- Residents of the EEA. Bridge may ask for more documents, such as source of funds or proof of address, by a date. After that date SEPA transfers pause until verification is complete.
- Higher limits. Tell Bridge about your source of funds, and it can consider raising your limits.
If verification is declined.
You see the reasons Bridge gave, and you can review them with Bridge or contact Swaps support. Wallet-only use has separate eligibility rules; connected provider routes may remain unavailable.
Identity checks take place on Bridge’s secure page. Swaps receives verification status and requirements and may relay compliance information and documents.
Trust
Verification by the bank-service provider.
Bank-service provider
Bridge verifies you and moves bank money. Swaps provides the interface and transaction coordination.
Only what the money needs.
No check to hold or move dollars on Tempo. A check when money touches a bank.
How long does verification take?
The individual identity check on Bridge’s page usually takes 2–3 minutes; manual review can take up to 5 business days. Your dashboard updates on its own when Bridge’s review completes.
Do I need to verify to use the wallet?
No. You can create the wallet and hold, receive and send USDC on Tempo without an identity check. Bank details and sending to your bank need verification.
Does Swaps see or keep my documents?
No. Documents, selfies and identity checks happen on Bridge’s secure page, and Bridge keeps them. Swaps does not collect them.
Should I verify as an individual or a business?
Individual fits freelance and personal work. Business fits a company you invoice for. Both can activate payment links, pay invoices and run payroll.
Why does Swaps use Bridge?
Bridge is the provider for supported bank services. Banks need to know who pays and who gets paid, so the partner that moves bank money also checks who you are.
Verify when
you need a bank.
Start with the wallet. Verify with Bridge when you want bank money.