Ji Sun from Vibrant discusses the wallet's KYC journey, comparing SEP24 (hosted deposit/withdrawal) with SEP12/SEP6 (custom KYC UI). Vibrant switched to SEP12/SEP6 for better user control, clearer branding, and improved analytics, achieving 10-second average KYC verification times.
Ji Sun, front-end developer at Vibrant, walks through the wallet's evolution in handling KYC (Know Your Customer) processes for anchor integrations. Vibrant initially used SEP24, which embeds the anchor's entire KYC experience within the wallet app. However, this created user confusion about brand identity, made it impossible to track where users dropped off in the KYC flow, and caused technical issues with native camera functionality on certain devices. Vibrant switched to SEP12 and SEP6, which define KYC and deposit/withdrawal APIs, allowing Vibrant to build custom UI with full control over the experience. This approach required more development work but delivered significant improvements: users stay within the Vibrant app, the wallet can clarify its relationship with StableX (the anchor), and analytics revealed drop-offs before camera steps. Vibrant is now experimenting with Jumio SDK to further streamline the process. The result: 10-second average KYC verification time and 75% of users approved within two minutes.
