# KycManager (https://dev.cosmospay.lat/docs/sdk/definitions/server/kyc-manager/) > KYC / KYB — client.kyc. A receiver is the verified identity both ramps hang off: an on-ramp pays INTO one of its wallets, an off-ramp pays OUT to one… KYC / KYB — `client.kyc`. A receiver is the verified identity both ramps hang off: an on-ramp pays INTO one of its wallets, an off-ramp pays OUT to one of its bank accounts, and neither works until verification passes. The order is not obvious and the API will not guess it for you: 1. `termsOfService()` — the acceptance the provider requires up front, which returns a `tos_id`. 2. `upload()` each document, keeping the `file_url` it returns. 3. `createReceiver()` with those URLs and the `tos_id`. 4. `addWallet()` / `addBankAccount()` for where money should land. 5. verification runs; `fetchReceiver()` refreshes `kycStatus` from upstream. ## Properties ### protected ```ts protected get rest(): REST ``` ## Methods ### createReceiver() Create a receiver and start verification. ```ts createReceiver(options: CreateReceiverOptions): Promise ``` **Parameters** - `options`: `CreateReceiverOptions` **Returns** [`Promise`](https://dev.cosmospay.lat/docs/sdk/definitions/server/receiver/) ### receivers() List this consumer's receivers (paginated). ```ts receivers(options?: ListKycOptions): Promise ``` **Parameters** - `options` _(optional)_: `ListKycOptions` **Returns** `Promise` ### fetchReceiver() One receiver, materialized. Reading it refreshes `kycStatus` upstream. ```ts fetchReceiver(id: string): Promise ``` **Parameters** - `id`: `string` **Returns** [`Promise`](https://dev.cosmospay.lat/docs/sdk/definitions/server/receiver/) ### fetchReceiverRaw() The raw payload, so a {@link Receiver} can patch itself in place. ```ts fetchReceiverRaw(id: string): Promise ``` **Parameters** - `id`: `string` **Returns** `Promise` ### updateReceiver() Update a receiver — the same fields as creation, all optional. Once the receiver exists at the provider, identity fields need an elevated key; see {@link UpdateReceiverOptions}. ```ts updateReceiver(id: string, options: UpdateReceiverOptions): Promise ``` **Parameters** - `id`: `string` - `options`: `UpdateReceiverOptions` **Returns** [`Promise`](https://dev.cosmospay.lat/docs/sdk/definitions/server/receiver/) ### deleteReceiver() Delete a receiver. ```ts deleteReceiver(id: string): Promise ``` **Parameters** - `id`: `string` **Returns** `Promise` ### approveReceiver() Approve a receiver sitting in review. Admin-only: it is the human gate on a verification the provider could not decide by itself. ```ts approveReceiver(id: string, options?: ApproveReceiverOptions): Promise ``` **Parameters** - `id`: `string` - `options` _(optional)_: `ApproveReceiverOptions` **Returns** `Promise` ### requestTos() Ask for a terms-of-service link for an existing receiver. `channel: 'code'` returns the URL to render; `'email'` sends it to the receiver instead. ```ts requestTos(id: string, options: RequestTosOptions): Promise ``` **Parameters** - `id`: `string` - `options`: `RequestTosOptions` **Returns** `Promise` ### enableReceiver() Enable an inactive receiver with an accepted terms-of-service id. ```ts enableReceiver(id: string, options: EnableReceiverOptions): Promise ``` **Parameters** - `id`: `string` - `options`: `EnableReceiverOptions` **Returns** [`Promise`](https://dev.cosmospay.lat/docs/sdk/definitions/server/receiver/) ### setReceiverAccess() Cut a receiver off from both ramps, or let it back in. Admin-only, and the fastest lever there is when something is wrong with an account. ```ts setReceiverAccess(id: string, options: SetReceiverAccessOptions): Promise ``` **Parameters** - `id`: `string` - `options`: `SetReceiverAccessOptions` **Returns** [`Promise`](https://dev.cosmospay.lat/docs/sdk/definitions/server/receiver/) ### walletSignMessage() The message a receiver must sign to prove it controls an address. Sign it, then pass the resulting transaction hash as `signature_tx_hash` to {@link addWallet}. ```ts walletSignMessage(receiverId: string): Promise ``` **Parameters** - `receiverId`: `string` **Returns** `Promise` ### addWallet() Register a blockchain wallet for a receiver. ```ts addWallet(receiverId: string, options: CreateReceiverWalletOptions): Promise ``` **Parameters** - `receiverId`: `string` - `options`: `CreateReceiverWalletOptions` **Returns** `Promise` ### wallets() A receiver's wallets (paginated). ```ts wallets(receiverId: string, options?: ListKycOptions): Promise ``` **Parameters** - `receiverId`: `string` - `options` _(optional)_: `ListKycOptions` **Returns** `Promise` ### deleteWallet() Delete one of a receiver's wallets. ```ts deleteWallet(receiverId: string, id: string): Promise ``` **Parameters** - `receiverId`: `string` - `id`: `string` **Returns** `Promise` ### addBankAccount() Add a fiat bank account for a receiver — where an off-ramp pays out. ```ts addBankAccount(receiverId: string, options: CreateBankAccountOptions): Promise ``` **Parameters** - `receiverId`: `string` - `options`: `CreateBankAccountOptions` **Returns** `Promise` ### bankAccounts() A receiver's bank accounts (paginated). ```ts bankAccounts(receiverId: string, options?: ListKycOptions): Promise ``` **Parameters** - `receiverId`: `string` - `options` _(optional)_: `ListKycOptions` **Returns** `Promise` ### deleteBankAccount() Delete one of a receiver's bank accounts. ```ts deleteBankAccount(receiverId: string, id: string): Promise ``` **Parameters** - `receiverId`: `string` - `id`: `string` **Returns** `Promise` ### upload() Upload a KYC document and get back the `file_url` every `*_file` field expects. Documents are uploaded first and referenced by URL — the receiver payload never carries bytes. ```ts upload(file: unknown): Promise ``` **Parameters** - `file`: `unknown` **Returns** `Promise` ### termsOfService() Start terms-of-service acceptance and get the hosted URL. This is the FIRST step of the flow: the provider will not create a receiver without the `tos_id` it produces. ```ts termsOfService(options?: InitiateTosOptions): Promise ``` **Parameters** - `options` _(optional)_: `InitiateTosOptions` **Returns** `Promise` ### rails() The bank rails available to this consumer. ```ts rails(): Promise ``` **Returns** `Promise` ### bankDetails() The field schema a given rail requires. The authority on which of the ~70 rail-specific bank-account fields to send — read it at runtime rather than hard-coding a rail's shape. ```ts bankDetails(rail: string): Promise ``` **Parameters** - `rail`: `string` **Returns** `Promise` ## Related - [Receiver](https://dev.cosmospay.lat/docs/sdk/definitions/server/receiver/) - [BaseManager](https://dev.cosmospay.lat/docs/sdk/definitions/server/base-manager/)