What Is KYC? Know Your Customer Explained

Taxes & regulation · Informational guide · Updated 2026

Definition

KYC, or Know Your Customer, is the process financial services use to verify a user's identity, typically with an ID and proof of address.

Why it exists

KYC helps prevent money laundering, fraud and terrorist financing, and it is required by regulation in most countries.

Where you encounter it

Centralized exchanges and on-ramps usually require KYC before you can buy crypto or withdraw large amounts.

What it means for you

You will need to provide identification and sometimes a selfie. Your data is stored and protected under the service's privacy rules.

The trade-off

KYC reduces anonymity but enables access to regulated, liquid markets. Decentralized services often operate without KYC.

Bottom line

KYC is a standard part of using regulated crypto services and is unlikely to go away.

This article is for educational and informational purposes only and does not constitute financial advice. Always do your own research. Cryptocurrency is volatile and involves risk of loss.