API 参考 › KYC

各业务线要求的 KYC 层级

GET /v1/kyc/requirements scope: kyc:read

商户自身

以商户自身调用（不带 x-on-behalf-of），返回的是「按你的配置，

每条业务至少要几级」。拿它在下单前做预校验，比让会员撞

kyc_required 再回头补件体验好得多。

五条固定出现：remittance.express（1）、remittance.pobo（2）、

card（1）、exchange（读你的兑换配置）、earn（你可见的在售理财

产品里最低那一档 —— 回答的是「至少要几级才能开始买」，

不是「买遍全部产品要几级」）。

⚠ 顶层键是 requirements 而不是 data（历史遗留）。

这些是准入规则，属风控，你只读。数字会随后台配置变化，

别写死在代码里。

响应

200OK

{
  "requirements": [
    {
      "business": "remittance.express",
      "required_level": 1
    },
    {
      "business": "remittance.pobo",
      "required_level": 2
    },
    {
      "business": "card",
      "required_level": 1
    },
    {
      "business": "exchange",
      "required_level": 0
    },
    {
      "business": "earn",
      "required_level": 0
    }
  ]
}

403insufficient_scope 缺 kyc:read

请求

curl -X GET 'https://api.zise.com/v1/kyc/requirements' \
  -H 'x-auth-token: Bearer $TOKEN'

const res = await fetch("https://api.zise.com/v1/kyc/requirements", {
  method: "GET",
  headers: {
    "x-auth-token": "Bearer $TOKEN",
  },
});
// 金额按字符串读，别让它变成 number
const data = await res.json();

import requests

res = requests.get(
    "https://api.zise.com/v1/kyc/requirements",
    headers={
        "x-auth-token": "Bearer $TOKEN",
    },
)
# 金额用 Decimal(str(...))，不要 float
data = res.json()

req, _ := http.NewRequest("GET", "https://api.zise.com/v1/kyc/requirements",
    nil)
req.Header.Set("x-auth-token", "Bearer $TOKEN")
res, err := http.DefaultClient.Do(req)
// 金额字段用 string 接，不要 float64

HttpRequest req = HttpRequest.newBuilder()
    .uri(URI.create("https://api.zise.com/v1/kyc/requirements"))
    .header("x-auth-token", "Bearer $TOKEN")
    .method("GET", HttpRequest.BodyPublishers.noBody())
    .build();
// 金额字段用 String / BigDecimal，不要 double

$ch = curl_init('https://api.zise.com/v1/kyc/requirements');
curl_setopt_array($ch, [
  CURLOPT_CUSTOMREQUEST => 'GET',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_HTTPHEADER => [
    'x-auth-token: Bearer $TOKEN',
  ],
]);
$res = curl_exec($ch);
// 金额用 bcmath / 字符串，不要 floatval

200

{
  "requirements": [
    {
      "business": "remittance.express",
      "required_level": 1
    },
    {
      "business": "remittance.pobo",
      "required_level": 2
    },
    {
      "business": "card",
      "required_level": 1
    },
    {
      "business": "exchange",
      "required_level": 0
    },
    {
      "business": "earn",
      "required_level": 0
    }
  ]
}