Onboarding Flow

The onboarding process registers a borrower's business for KYB verification and creates a loan ready for disbursement. It is a two-step flow: first register the borrower and merchant, then — once the merchant reaches active status — submit the loan.

1. High-Level Flow

2. Step 1: Register Borrower & Merchant

Call Onboarding Personal with the borrower's identity and merchant (business) profile.

What DOKU QFAST does after this call:

Creates the borrower and merchant records.

Initiates the internal KYB verification process.

Updates the merchant status to kyb_submitted.

Your response contains merchant_id. Store it — you'll need it for the loan submission step.

3. Step 2: Wait for KYB Result

KYB verification is asynchronous. QFAST will notify you via webhook when the status changes.

Recommended: Set up your webhook endpoint and handle the kyb.status_updated event — see Onboarding Events.

Alternative: Poll Get Onboarding Status until onboarding_status reaches kyb_approved or a terminal state.

KYB Outcomes

Result	Status	What to Do
`VERIFIED`	`kyb_approved` → `linked` → `active`	Wait for `active` status before submitting a loan.
`PROBATION`	`kyb_processing`	Wait — still reviewing.
`PROBATION` + rejection notes	`kyb_revision_needed`	Correct data and re-register before `kyb_revision_deadline`.
`RESTRICTED`	`kyb_rejected`	Check `kyb_rejection_details`. Contact support if needed.
`SUSPENDED`	`kyb_rejected` or `suspended`	Contact support.

Important: Loan submission is only allowed when onboarding_status = active. The status transitions from kyb_approved → linked → active automatically through internal processing. Wait for the active webhook before calling POST /v1/loans/submit.

Revision deadline: If onboarding_status is kyb_revision_needed, re-register using the same borrower email and phone before the kyb_revision_deadline. Failure to resubmit within 48 hours may result in permanent rejection.

4. Step 3: Submit the Loan

Once onboarding_status is active, call Submit Loan with the merchant_id and full loan financial details.

After a successful loan submission, the lender accesses the QFAST dashboard to complete the disbursement.

5. KYB Revision Flow

If you receive kyb_revision_needed:

Retrieve rejection details from the Onboarding Events.

Correct the identified data fields.

Re-call POST /v1/onboarding/personal using the same borrower email and phone number — this links the new submission to the existing application.

Wait for the next kyb.status_updated webhook.

Overview

Onboarding Flow#

1. High-Level Flow#

2. Step 1: Register Borrower & Merchant#

3. Step 2: Wait for KYB Result#

KYB Outcomes#

4. Step 3: Submit the Loan#