User represents the business you want to pay (we usually call it the "beneficiary"). Before asking for a Loan, you need to create one. Users don't have an Aria account: it's your responsibility to create and maintain their profile on our product.
According to use cases, a User can be :
- A Freelancer
- A Supplier
- A Vendor
- A Service Provider
…but a User will always be the business company that benefits from Aria funding.
KYC procedures have been set up to manage AML/CFT risks since Aria provides financing.
The following section tells you how to manage it with our API.
Before paying a user, you have to provide information that you can find in our API Reference. All information is mandatory to fully identify the beneficiary.
A proof of identity of the legal representative of the company might be required. You may send one of the following: ID, Passport, Resident Permit.
A Legal Representative Identity Proof Verification might not be required; its necessity will be determined by the payment/invoice process outlined during your onboarding procedure.
KYC docs verification is performed within a 24-hour time frame, from Monday to Friday (Paris Time Zone).
We provide 3 statuses:
PENDING: The KYC doc is not yet verified.
VALID: The KYC doc is valid.
INVALID: The KYC doc is invalid.
Updated about 1 month ago