Once KYC permits, the claimant files a claim through a guided wizard — a person reconciles the decision, an approval issues a certificate, and the claim is handed off on an immutable, audited trail.
The claim lifecycle, end to end
KYC is the entry gate. Only an in_review or verified claimant can file — a pending or failed identity check is blocked before a single field is entered.
A person decides, not a rule. The reconcile gate is a human four-eyes step: approve issues the certificate, requires-info loops the claimant back to clarify, ineligible is a reversible dead-end with one admin reopen.
Immutable after declaration. The guided wizard locks once the claimant signs the declaration, and every transition writes one fail-closed audit row through to the handoff.
Mail = email sent Bell = in-app alert Amber diamond = automatic check Teal diamond = a person decides
KYC is the entry gate: only an in_review or verified claimant can file. The guided wizard is immutable once the declaration is signed. The reconcile gate is a person — approve issues the certificate and hands the claim off; requires-info loops back; ineligible is reversible with one admin reopen. Every state transition is fail-closed audited.
What the claim lifecycle guarantees
No claim is filed without a passing KYC gate — a pending or failed identity check is blocked, not silently dropped.
Every claim decision is made by a person at the reconcile gate — approve, requires-info, or a reversible ineligible — never an opaque auto-reject.
Filing, reconciling, and the certificate handoff are fail-closed: if the audit row cannot be written, the transition is rejected.