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When your KYC-verified Sumvin user opens a Meld widget for a ramp or bank-linking flow, they do not re-verify. Sumvin shares the user’s existing KYC outcome with Meld on their behalf, so the widget takes them straight to the destination flow — payment, institution select, or payout confirmation. For the trust model behind why this reuse is acceptable, see KYC and attestation.

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What you observe

There is nothing explicit to opt in to. The passthrough is automatic on any Meld-touching flow for a KYC-verified user. As the partner, you see:
  • The widget opens directly on the destination step — payment capture, institution picker, or payout confirmation — rather than on a document-upload screen.
  • Ramp sessions against a KYC-verified user return 201 Created from POST /v0/ramp/sessions. Against an unverified user, the call returns 403 Forbidden with error code KYC_NOT_VERIFIED.
If the user has not completed Sumvin KYC, route them through the KYC guide before retrying. If you send an unverified user into a Meld widget through a flow that does not gate on KYC, Meld will collect verification in-widget — which works, but means the user ends up verified with Meld separately from Sumvin, without the reuse benefit.

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One user, one Meld identity

Each Sumvin user maps to a single Meld identity for the lifetime of their account. Re-entering a Meld flow — another ramp session, a second bank-linking attempt, a different widget — always resolves to the same identity, and the verified state carries across all of them.

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Failure modes

SymptomCauseResolution
Meld widget asks the user for KYC documentsThe user has not completed Sumvin KYC.Route the user through the KYC guide; retry the Meld flow once their KYC is approved.
POST /v0/ramp/sessions returns 403 Forbidden with KYC_NOT_VERIFIEDSame as above — no verified KYC on the Sumvin side.Check GET /v0/kyc/status, then route through KYC.
Ramp session creation returns 502 Bad GatewayUpstream provider rejected the request. Often transient.Retry with a fresh quote; if it persists, check the reference for the error code.