MPChat splits accounts into three tiers — Registered, KYC1, and KYC2 — each unlocking more capabilities. This article shows what every tier can and cannot do, so you can decide whether to verify and how far to go.
MPChat KYC tiers explained: Registered, KYC1, KYC2 and what each unlocks
The three tiers at a glance
MPChat's identity tiers are designed so you only verify as deep as you need:
Registered — anyone who completed phone-number sign-up. Lets you chat, transfer with friends, and explore the wallet, with conservative limits.
KYC1 — passed identity document verification (passport / ID + selfie). Unlocks card application, higher in-app limits, and the standard MPChat experience.
KYC2 — passed proof-of-address verification on top of KYC1. Unlocks the highest withdrawal/transfer limits and KYC2-tier perks.
Capability comparison
The table below shows the core perks and limits per tier. Numbers shown in-app are the source of truth.
Perks / Requirements | Registered | KYC1 | KYC2 |
Crypto deposit | ✅ | ✅ | ✅ |
Receive via QR code | ✅ | ✅ | ✅ |
Transfer / Red packet / Withdrawal | 1,000 USD/day, total cap 10,000 USD | Transfer / Red packet: unlimited | Transfer / Red packet: unlimited |
Withdrawal | (within the cap above) | 20,000 USD/day | 400,000 USD/day |
Card application & spending | — | ✅ | ✅ |
Verification requirements | Complete account registration | Personal basic info, government-issued ID | Additional personal info, proof-of-address document |
Prerequisite | — | — | KYC1 must be completed first |
Quick recommendation:
Just chatting and small in-app transfers → Registered is enough.
Need a virtual card and everyday usage → upgrade to KYC1.
Need higher withdrawal limits or KYC2-only perks → upgrade to KYC2.
How to upgrade your tier
Both upgrades happen inside MPChat in just a few minutes:
Registered → KYC1: open Profile → Identity Verification, take a photo of your passport or national ID, and complete a quick selfie liveness check. OCR pre-fills your data so you only review and submit. See How to complete KYC1 in MPChat (OCR-assisted).
KYC1 → KYC2: in the same Identity Verification screen, tap Upgrade to KYC2 and submit a recent proof-of-address document. See How to complete KYC2 in MPChat (proof-of-address).
Privacy and data handling
We use your verification documents only to confirm your identity and to satisfy regulatory requirements. They are stored encrypted and never shared with other MPChat users. You can review the privacy notes shown on the verification screen before submitting.
Frequently asked questions
Do I have to verify? Can I just use chat?
No — chat, friends, groups, and small in-app transfers work without any KYC. Verify only when you want a card or higher limits.
If I never go beyond Registered, will my limits stay the same forever?
Yes. Registered limits are stable. They will only change globally if regulations require it, in which case we will notify you in advance.
What if my KYC1 is rejected?
You will see a reason on the result screen and can resubmit. Most rejections come from blurry photos or partially cropped documents. The upgrade attempt does not affect your current Registered status.
Can I downgrade my KYC tier?
You cannot voluntarily downgrade. If you want to remove your data entirely, you can request account closure from Profile → Settings → Account Cancellation.