CAP-066 — Self-service KYC refresh

Category	Intelligence & automation (platform)
Business goal	BG-004
Satisfying module	MOD-010 CDD tier assignment engine · MOD-078
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

Customers whose identity documents have expired or whose CDD review period has lapsed can complete a fresh identity verification entirely in-app — re-upload their document, repeat the liveness check, and receive an updated CDD tier assignment without speaking to an agent. This removes a significant friction point that drives churn at legacy banks (calling a branch to "update your ID").