KYC and eligibility
What KYC is, where the user completes it, and what an agent does when a purchase needs it.
KYC is identity verification. The user completes it only in the Envoy app. An agent cannot start, check or complete KYC. If the user says KYC is pending or failed, tell the user to finish it in the Envoy app, then try again.
Support revision: envoy@2026-10. Last updated: 12 October 2026.
Levels
Envoy has two KYC levels, min-KYC and video KYC (also called full KYC):
| Level | Limits |
|---|---|
| min-KYC | Add up to ₹10,000 a month. Hold a balance up to ₹10,000. Add up to ₹1,20,000 per financial year (April to March). |
| Video KYC (full KYC) | Account balance up to ₹2,00,000. |
Check the Envoy app for your own limits, and see Before you start.
Where KYC happens
- The user completes KYC in the Envoy app.
- The agent surface (MCP and HTTP) has no tool to start KYC.
- The agent surface has no tool to read KYC status.
- No tool accepts KYC documents or codes.
A successful sign-in does not prove the account can pay. Envoy checks eligibility; you do not.
What the agent does
- If the user says KYC is pending or failed, stop the purchase.
- Tell the user to finish KYC in the Envoy app.
- Wait for the user to say they are done.
- Start the purchase again.
Do not guess KYC status. KYC can limit what the user can do. Do not retry in a loop, because nothing changes until the user finishes KYC in the app.
If KYC fails, the user can retry it in the Envoy app.
Other eligibility rules
- The user needs an existing Envoy account.
- Envoy is available in India only.
- Each one-time card is ₹10 to ₹10,000. See Availability and limits.
Need help
Send the support reference to envoy.money/support. Support can see what happened to the purchase.
See the glossary for the definition of KYC.