Credgle uses a graduated KYC ladder: we only ask for the level of identification that matches your cashout volume. The minimum needed to spend coins is L1; higher tiers unlock larger weekly cashout ceilings and lower minimums.
L0 — Visitor
- Requirements: none (just signed up).
- Cashout cap: $0 — must verify email before any cashout.
L1 — Email
- Requirements: verified email address.
- Cashout cap: $5 / week, $5 minimum.
L2 — Phone
- Requirements: SMS-verified phone (Twilio Verify with Fraud Guard) + device fingerprint.
- Cashout cap: $50 / week, $5 minimum.
L3 — ID
- Requirements: government-issued ID + selfie (Persona hosted flow).
- Cashout cap: $500 / week, $3 minimum.
L4 — Address
- Requirements: proof of address, 90-day account age.
- Cashout cap: unlimited, $1 minimum.
Data handling
Documents you submit at L3 are encrypted at rest with per-record envelope keys held in AWS KMS. Access is logged; only authorised compliance staff can decrypt, and only with a written case. Documents are retained as required by applicable law (typically 5–7 years) then purged.
Why a ladder
Most users cash out below $50 / week, so we don't need their ID. We only step up when your cashout volume crosses the cap. This minimises the data we collect — your privacy by default, not by audit.