Yes. Good Question. I will add that to the next article on Zypto.

Step 3: Completing KYC (Identity Verification)Zypto uses a tiered KYC system.

You cannot fund a VISA card or pay a utility bill without at least Level 1 verification.

What you will need:
A valid Government ID (Passport, Driver’s License, or National ID).
A smartphone with a working camera for a "Liveness Check.
"Proof of Address (Only required for higher spending limits or physical cards).

The Process:
Identity Scan: You will take a photo of the front and back of your ID.
Face Scan: The app will ask you to look into the camera and move your head in a circle to prove you are a real, living person.
Verification Time: In 2026, Zypto’s AI-driven verification usually takes between 2 and 15 minutes to approve.

KYC Levels & Limits (Estimated for 2026)

Level. Requirements. What you can do.
Tier 0 None (Wallet only). Store, send, and receive crypto (HBD/HIVE).
Tier 1. ID + SelfieBuy Gift Cards, Mobile Top-ups, and Virtual Cards (up to $1,000).
Tier 2 Proof of Address Pay Bills, High-limit Virtual Cards, and Physical Card orders.
Tier 3. Source of Wealth. Institutional limits for business users.

Important Notes for Users
Prohibited States: If your GPS or ID shows you are in New York, Hawaii, or Louisiana, the "Bill Pay" and "Card" features may be greyed out due to local state laws.

Non-Custodial Nature: Even after you do KYC, your Hive keys stay on your phone. Zypto only uses your identity to satisfy banking laws for the VISA card part of the app; they do not "own" your Hive account.

Privacy: Zypto uses encrypted third-party providers (like SumSub or Onfido) to handle your ID data, meaning the Zypto staff themselves usually never see your actual documents.

Pro-Tip:
Once your KYC is approved, start by loading a small amount of HBD (e.g., $20) onto a Virtual Card first. This confirms everything is working before you try to pay a large mortgage or electricity bill!