Compliance Layer

KYC verification for card activation and merchant access.

MIAOMEME uses identity checks as a required step before card activation, physical card delivery, higher-risk activity, and merchant onboarding. This verification layer helps maintain trust, compliance, and platform safety.

L0Email, mobile, device fingerprint, and basic risk checks before account creation.

L1Government ID, legal name, date of birth, and facial liveness for card activation.

L2Address proof, funding source review, and enhanced monitoring for larger limits.

B2BCompany registration, beneficial owner review, and settlement account verification for merchants.

When verification is triggered

When a user applies for a virtual card or physical card.
Before shipping a physical card or raising transaction limits.
When referral, spend, or blind box behavior triggers enhanced risk review.
When a merchant requests settlement, higher throughput, or API production access.

Review outcomes

ApprovedCard activation available

Pending reviewManual compliance check

RejectedRetry or provide more documents

RestrictedLimited functionality until completed

User declaration

By applying for a card or using MIAOMEME services, users confirm that submitted identity information is accurate, complete, and lawfully provided, and that the account is not used for fraud, sanctions evasion, or prohibited activity.

Merchant declaration

Merchants confirm that they operate a lawful business, own or control the settlement account they submit, and will cooperate with transaction review, dispute handling, sanctions checks, and fraud inquiries.