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Production mode requires identity verification through Persona. Persona automatically reviews government ID and selfie/liveness checks. Payoes does not manually review applications.

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What you need

ItemWhere to get it
Persona sandbox accountapp.withpersona.com
API keyDashboard → API → API Keys (persona_sandbox_...)
KYC inquiry templateDashboard → Inquiries → Templates (itmpl_...)
Environment IDDashboard → Environments (env_...)
Webhook secretDashboard → Webhooks

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Environment variables

Add to apps/web/.env.local: 
PERSONA_API_KEY=persona_sandbox_...
PERSONA_WEBHOOK_SECRET=whsec_...
PERSONA_INQUIRY_TEMPLATE_ID=itmpl_...
NEXT_PUBLIC_PERSONA_ENVIRONMENT_ID=env_...
NEXT_PUBLIC_PERSONA_INQUIRY_TEMPLATE_ID=itmpl_...
Restart npm run dev after updating env vars.

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Webhook setup (local)

Persona sends webhooks when verification status changes. For local development, expose your app with a tunnel: 
cloudflared tunnel --url http://localhost:3000
# or
ngrok http 3000
Set the webhook URL in Persona to: 
https://<your-tunnel-host>/api/webhooks/persona
Enable events: inquiry.completed, inquiry.approved, inquiry.declined, inquiry.failed.
If webhooks cannot reach your machine, use Refresh status on the Production page. Payoes also syncs status when the Persona flow completes.

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Test the flow

  1. Sign in to Payoes as organization owner
  2. Open Settings → Production
  3. Choose Personal or Business
  4. Fill name, country, and business description (if business)
  5. Click Verify identity with Persona
  6. Complete the Persona sandbox flow (use Persona test documents)
  7. After approval, configure a mainnet settlement wallet
  8. Click Switch to production

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Sandbox test documents

Persona sandbox accepts test ID images documented in the Persona dashboard. Real documents are only required in production.

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Troubleshooting

  • Confirm NEXT_PUBLIC_PERSONA_ENVIRONMENT_ID is set
  • Confirm PERSONA_API_KEY and PERSONA_INQUIRY_TEMPLATE_ID are set on the server
  • Restart the dev server
  • Click Refresh status on the Production page
  • Check webhook delivery in the Persona dashboard
  • Ensure PERSONA_WEBHOOK_SECRET matches your webhook configuration
  • Verification status must be verified
  • Configure a production settlement wallet first