diff --git a/src/app/(mobile-ui)/home/page.tsx b/src/app/(mobile-ui)/home/page.tsx
index 62b554b1f..51a3b1531 100644
--- a/src/app/(mobile-ui)/home/page.tsx
+++ b/src/app/(mobile-ui)/home/page.tsx
@@ -10,7 +10,7 @@ import { UserHeader } from '@/components/UserHeader'
 import { useAuth } from '@/context/authContext'
 import { useWallet } from '@/hooks/wallet/useWallet'
 import { useUserStore } from '@/redux/hooks'
-import { formatExtendedNumber, getUserPreferences, updateUserPreferences, getRedirectUrl } from '@/utils/general.utils'
+import { formatExtendedNumber, getUserPreferences, updateUserPreferences } from '@/utils/general.utils'
 import { printableUsdc } from '@/utils/balance.utils'
 import { useDisconnect } from '@reown/appkit/react'
 import Link from 'next/link'
@@ -24,7 +24,7 @@ import { PEANUT_WALLET_TOKEN_DECIMALS } from '@/constants/zerodev.consts'
 import { PostSignupActionManager } from '@/components/Global/PostSignupActionManager'
 import { useWithdrawFlow } from '@/context/WithdrawFlowContext'
 import { useClaimBankFlow } from '@/context/ClaimBankFlowContext'
-import { useDeviceType, DeviceType } from '@/hooks/useGetDeviceType'
+import { useDeviceType } from '@/hooks/useGetDeviceType'
 import { useNotifications } from '@/hooks/useNotifications'
 import useKycStatus from '@/hooks/useKycStatus'
 import { useCardPioneerInfo } from '@/hooks/useCardPioneerInfo'
diff --git a/src/app/(mobile-ui)/profile/identity-verification/[region]/[country]/page.tsx b/src/app/(mobile-ui)/profile/identity-verification/[region]/[country]/page.tsx
deleted file mode 100644
index 8ffed617b..000000000
--- a/src/app/(mobile-ui)/profile/identity-verification/[region]/[country]/page.tsx
+++ /dev/null
@@ -1,6 +0,0 @@
-'use client'
-import IdentityVerificationView from '@/components/Profile/views/IdentityVerification.view'
-
-export default function IdentityVerificationCountryPage() {
-    return <IdentityVerificationView />
-}
diff --git a/src/app/(mobile-ui)/profile/identity-verification/[region]/page.tsx b/src/app/(mobile-ui)/profile/identity-verification/[region]/page.tsx
deleted file mode 100644
index d1843f861..000000000
--- a/src/app/(mobile-ui)/profile/identity-verification/[region]/page.tsx
+++ /dev/null
@@ -1,10 +0,0 @@
-'use client'
-import RegionsPage from '@/components/Profile/views/RegionsPage.view'
-import { useParams } from 'next/navigation'
-
-export default function IdentityVerificationRegionPage() {
-    const params = useParams()
-    const region = params.region as string
-
-    return <RegionsPage path={region} />
-}
diff --git a/src/app/(mobile-ui)/profile/identity-verification/layout.tsx b/src/app/(mobile-ui)/profile/identity-verification/layout.tsx
index 29884066e..5f6049aa8 100644
--- a/src/app/(mobile-ui)/profile/identity-verification/layout.tsx
+++ b/src/app/(mobile-ui)/profile/identity-verification/layout.tsx
@@ -1,59 +1,7 @@
 'use client'
 
 import PageContainer from '@/components/0_Bruddle/PageContainer'
-import ActionModal from '@/components/Global/ActionModal'
-import { useIdentityVerification } from '@/hooks/useIdentityVerification'
-import { useParams, useRouter } from 'next/navigation'
-import { useEffect, useState } from 'react'
 
 export default function IdentityVerificationLayout({ children }: { children: React.ReactNode }) {
-    const [isAlreadyVerifiedModalOpen, setIsAlreadyVerifiedModalOpen] = useState(false)
-    const router = useRouter()
-    const { isRegionAlreadyUnlocked, isVerifiedForCountry } = useIdentityVerification()
-    const params = useParams()
-    const regionParams = params.region as string
-    const countryParams = params.country as string
-
-    useEffect(() => {
-        const isAlreadyVerified =
-            (countryParams && isVerifiedForCountry(countryParams)) ||
-            (regionParams && isRegionAlreadyUnlocked(regionParams))
-
-        if (isAlreadyVerified) {
-            setIsAlreadyVerifiedModalOpen(true)
-        }
-    }, [countryParams, regionParams, isVerifiedForCountry, isRegionAlreadyUnlocked])
-
-    return (
-        <PageContainer>
-            {children}
-
-            <ActionModal
-                visible={isAlreadyVerifiedModalOpen}
-                onClose={() => {
-                    setIsAlreadyVerifiedModalOpen(false)
-                    router.push('/profile')
-                }}
-                title="You're already verified"
-                description={
-                    <p>
-                        Your identity has already been successfully verified for this region. You can continue to use
-                        features available in this region. No further action is needed.
-                    </p>
-                }
-                icon="shield"
-                ctas={[
-                    {
-                        text: 'Close',
-                        shadowSize: '4',
-                        className: 'md:py-2',
-                        onClick: () => {
-                            setIsAlreadyVerifiedModalOpen(false)
-                            router.push('/profile')
-                        },
-                    },
-                ]}
-            />
-        </PageContainer>
-    )
+    return <PageContainer>{children}</PageContainer>
 }
diff --git a/src/app/(mobile-ui)/qr-pay/page.tsx b/src/app/(mobile-ui)/qr-pay/page.tsx
index 9fadf1fbb..92137bdc3 100644
--- a/src/app/(mobile-ui)/qr-pay/page.tsx
+++ b/src/app/(mobile-ui)/qr-pay/page.tsx
@@ -2,7 +2,7 @@
 
 import { useSearchParams, useRouter } from 'next/navigation'
 import { useState, useCallback, useMemo, useEffect, useContext, useRef } from 'react'
-import { PeanutDoesntStoreAnyPersonalInformation } from '@/components/Kyc/KycVerificationInProgressModal'
+import { PeanutDoesntStoreAnyPersonalInformation } from '@/components/Kyc/PeanutDoesntStoreAnyPersonalInformation'
 import Card from '@/components/Global/Card'
 import { Button } from '@/components/0_Bruddle/Button'
 import { Icon } from '@/components/Global/Icons/Icon'
diff --git a/src/app/actions/sumsub.ts b/src/app/actions/sumsub.ts
new file mode 100644
index 000000000..7222004c6
--- /dev/null
+++ b/src/app/actions/sumsub.ts
@@ -0,0 +1,54 @@
+'use server'
+
+import { type InitiateSumsubKycResponse, type KYCRegionIntent } from './types/sumsub.types'
+import { fetchWithSentry } from '@/utils/sentry.utils'
+import { PEANUT_API_URL } from '@/constants/general.consts'
+import { getJWTCookie } from '@/utils/cookie-migration.utils'
+
+const API_KEY = process.env.PEANUT_API_KEY!
+
+// initiate kyc flow (using sumsub) and get websdk access token
+export const initiateSumsubKyc = async (params?: {
+    regionIntent?: KYCRegionIntent
+    levelName?: string
+}): Promise<{ data?: InitiateSumsubKycResponse; error?: string }> => {
+    const jwtToken = (await getJWTCookie())?.value
+
+    if (!jwtToken) {
+        return { error: 'Authentication required' }
+    }
+
+    const body: Record<string, string | undefined> = {
+        regionIntent: params?.regionIntent,
+        levelName: params?.levelName,
+    }
+
+    try {
+        const response = await fetchWithSentry(`${PEANUT_API_URL}/users/identity`, {
+            method: 'POST',
+            headers: {
+                'Content-Type': 'application/json',
+                Authorization: `Bearer ${jwtToken}`,
+                'api-key': API_KEY,
+            },
+            body: JSON.stringify(body),
+        })
+
+        const responseJson = await response.json()
+
+        if (!response.ok) {
+            return { error: responseJson.message || responseJson.error || 'Failed to initiate identity verification' }
+        }
+
+        return {
+            data: {
+                token: responseJson.token,
+                applicantId: responseJson.applicantId,
+                status: responseJson.status,
+            },
+        }
+    } catch (e: unknown) {
+        const message = e instanceof Error ? e.message : 'An unexpected error occurred'
+        return { error: message }
+    }
+}
diff --git a/src/app/actions/types/sumsub.types.ts b/src/app/actions/types/sumsub.types.ts
new file mode 100644
index 000000000..8565d2961
--- /dev/null
+++ b/src/app/actions/types/sumsub.types.ts
@@ -0,0 +1,9 @@
+export interface InitiateSumsubKycResponse {
+    token: string | null // null when user is already APPROVED
+    applicantId: string | null
+    status: SumsubKycStatus
+}
+
+export type SumsubKycStatus = 'NOT_STARTED' | 'PENDING' | 'IN_REVIEW' | 'APPROVED' | 'REJECTED' | 'ACTION_REQUIRED'
+
+export type KYCRegionIntent = 'STANDARD' | 'LATAM'
diff --git a/src/app/actions/users.ts b/src/app/actions/users.ts
index e530ebf17..5929fed25 100644
--- a/src/app/actions/users.ts
+++ b/src/app/actions/users.ts
@@ -160,3 +160,47 @@ export async function getContacts(params: {
         return { error: e instanceof Error ? e.message : 'An unexpected error occurred' }
     }
 }
+
+// fetch bridge ToS acceptance link for users with pending ToS
+export const getBridgeTosLink = async (): Promise<{ data?: { tosLink: string }; error?: string }> => {
+    const jwtToken = (await getJWTCookie())?.value
+    try {
+        const response = await fetchWithSentry(`${PEANUT_API_URL}/users/bridge-tos-link`, {
+            method: 'GET',
+            headers: {
+                'Content-Type': 'application/json',
+                Authorization: `Bearer ${jwtToken}`,
+                'api-key': API_KEY,
+            },
+        })
+        const responseJson = await response.json()
+        if (!response.ok) {
+            return { error: responseJson.error || 'Failed to fetch Bridge ToS link' }
+        }
+        return { data: responseJson }
+    } catch (e: unknown) {
+        return { error: e instanceof Error ? e.message : 'An unexpected error occurred' }
+    }
+}
+
+// confirm bridge ToS acceptance after user closes the ToS iframe
+export const confirmBridgeTos = async (): Promise<{ data?: { accepted: boolean }; error?: string }> => {
+    const jwtToken = (await getJWTCookie())?.value
+    try {
+        const response = await fetchWithSentry(`${PEANUT_API_URL}/users/bridge-tos-confirm`, {
+            method: 'POST',
+            headers: {
+                'Content-Type': 'application/json',
+                Authorization: `Bearer ${jwtToken}`,
+                'api-key': API_KEY,
+            },
+        })
+        const responseJson = await response.json()
+        if (!response.ok) {
+            return { error: responseJson.error || 'Failed to confirm Bridge ToS' }
+        }
+        return { data: responseJson }
+    } catch (e: unknown) {
+        return { error: e instanceof Error ? e.message : 'An unexpected error occurred' }
+    }
+}
diff --git a/src/components/Global/Badges/StatusBadge.tsx b/src/components/Global/Badges/StatusBadge.tsx
index 8eaf7335d..0aebee174 100644
--- a/src/components/Global/Badges/StatusBadge.tsx
+++ b/src/components/Global/Badges/StatusBadge.tsx
@@ -41,6 +41,10 @@ const StatusBadge: React.FC<StatusBadgeProps> = ({ status, className, size = 'sm
     }
 
     const getStatusText = () => {
+        // customText overrides the default label for any status type,
+        // allowing callers to use a specific status style with custom text
+        if (customText) return customText
+
         switch (status) {
             case 'completed':
                 return 'Completed'
@@ -59,7 +63,7 @@ const StatusBadge: React.FC<StatusBadgeProps> = ({ status, className, size = 'sm
             case 'closed':
                 return 'Closed'
             case 'custom':
-                return customText
+                return 'Custom'
             default:
                 return status
         }
diff --git a/src/components/Global/IframeWrapper/StartVerificationView.tsx b/src/components/Global/IframeWrapper/StartVerificationView.tsx
index 5285ec405..abec9c2ea 100644
--- a/src/components/Global/IframeWrapper/StartVerificationView.tsx
+++ b/src/components/Global/IframeWrapper/StartVerificationView.tsx
@@ -33,10 +33,11 @@ const StartVerificationView = ({
                 <h1 className="text-3xl font-extrabold">Secure Verification. Limited Data Use.</h1>
                 <div>
                     <p className="mt-2 text-lg font-medium">
-                        The verification is done by Persona, which only shares a yes/no with Peanut.
+                        The verification is done using a trusted provider, which shares your verification status with
+                        Peanut.
                     </p>
                     <p className="text-lg font-medium">
-                        Persona is trusted by millions and it operates under strict security and privacy standards.
+                        It operates under industry-standard security and privacy practices.
                     </p>
                     <p className="text-lg font-bold">Peanut never sees or stores your verification data.</p>
                 </div>
diff --git a/src/components/Home/HomeHistory.tsx b/src/components/Home/HomeHistory.tsx
index e73e916c7..c89f606b1 100644
--- a/src/components/Home/HomeHistory.tsx
+++ b/src/components/Home/HomeHistory.tsx
@@ -14,7 +14,9 @@ import Card from '../Global/Card'
 import { type CardPosition, getCardPosition } from '../Global/Card/card.utils'
 import EmptyState from '../Global/EmptyStates/EmptyState'
 import { KycStatusItem } from '../Kyc/KycStatusItem'
+import { BridgeTosReminder } from '../Kyc/BridgeTosReminder'
 import { isKycStatusItem, type KycHistoryEntry } from '@/hooks/useBridgeKycFlow'
+import { useBridgeTosStatus } from '@/hooks/useBridgeTosStatus'
 import { useWallet } from '@/hooks/wallet/useWallet'
 import { BadgeStatusItem } from '@/components/Badges/BadgeStatusItem'
 import { isBadgeHistoryItem } from '@/components/Badges/badge.types'
@@ -43,6 +45,7 @@ const HomeHistory = ({ username, hideTxnAmount = false }: { username?: string; h
     const { fetchBalance } = useWallet()
     const { triggerHaptic } = useHaptic()
     const { fetchUser } = useAuth()
+    const { needsBridgeTos } = useBridgeTosStatus()
 
     const isViewingOwnHistory = useMemo(
         () => (isLoggedIn && !username) || (isLoggedIn && username === user?.user.username),
@@ -270,6 +273,7 @@ const HomeHistory = ({ username, hideTxnAmount = false }: { username?: string; h
         return (
             <div className="mx-auto mt-6 w-full space-y-3 md:max-w-2xl">
                 <h2 className="text-base font-bold">Activity</h2>
+                {isViewingOwnHistory && needsBridgeTos && <BridgeTosReminder />}
                 {isViewingOwnHistory &&
                     ((user?.user.bridgeKycStatus && user?.user.bridgeKycStatus !== 'not_started') ||
                         (user?.user.kycVerifications && user?.user.kycVerifications.length > 0)) && (
@@ -317,6 +321,9 @@ const HomeHistory = ({ username, hideTxnAmount = false }: { username?: string; h
 
     return (
         <div className={twMerge('mx-auto w-full space-y-3 md:max-w-2xl md:space-y-3', isLoggedIn ? 'pb-4' : 'pb-0')}>
+            {/* bridge ToS reminder for users who haven't accepted yet */}
+            {isViewingOwnHistory && needsBridgeTos && <BridgeTosReminder />}
+
             {/* link to the full history page */}
             {pendingRequests.length > 0 && (
                 <>
diff --git a/src/components/Home/KycCompletedModal/index.tsx b/src/components/Home/KycCompletedModal/index.tsx
index 1377b3a50..80cd086bc 100644
--- a/src/components/Home/KycCompletedModal/index.tsx
+++ b/src/components/Home/KycCompletedModal/index.tsx
@@ -13,14 +13,17 @@ const KycCompletedModal = ({ isOpen, onClose }: { isOpen: boolean; onClose: () =
     const { user } = useAuth()
     const [approvedCountryData, setApprovedCountryData] = useState<CountryData | null>(null)
 
-    const { isUserBridgeKycApproved, isUserMantecaKycApproved } = useKycStatus()
+    const { isUserBridgeKycApproved, isUserMantecaKycApproved, isUserSumsubKycApproved } = useKycStatus()
     const { getVerificationUnlockItems } = useIdentityVerification()
 
     const kycApprovalType = useMemo(() => {
+        // sumsub covers all regions, treat as 'all'
+        if (isUserSumsubKycApproved) {
+            return 'all'
+        }
         if (isUserBridgeKycApproved && isUserMantecaKycApproved) {
             return 'all'
         }
-
         if (isUserBridgeKycApproved) {
             return 'bridge'
         }
@@ -28,7 +31,7 @@ const KycCompletedModal = ({ isOpen, onClose }: { isOpen: boolean; onClose: () =
             return 'manteca'
         }
         return 'none'
-    }, [isUserBridgeKycApproved, isUserMantecaKycApproved])
+    }, [isUserBridgeKycApproved, isUserMantecaKycApproved, isUserSumsubKycApproved])
 
     const items = useMemo(() => {
         return getVerificationUnlockItems(approvedCountryData?.title)
diff --git a/src/components/IdentityVerification/StartVerificationModal.tsx b/src/components/IdentityVerification/StartVerificationModal.tsx
index d5a14a63b..045760bf8 100644
--- a/src/components/IdentityVerification/StartVerificationModal.tsx
+++ b/src/components/IdentityVerification/StartVerificationModal.tsx
@@ -3,69 +3,76 @@
 import ActionModal from '../Global/ActionModal'
 import InfoCard from '../Global/InfoCard'
 import { Icon } from '../Global/Icons/Icon'
-import { MantecaSupportedExchanges } from '../AddMoney/consts'
-import { useMemo } from 'react'
-import { useIdentityVerification } from '@/hooks/useIdentityVerification'
+import { type Region } from '@/hooks/useIdentityVerification'
+import React from 'react'
+
+// unlock benefits shown per region
+const REGION_UNLOCK_ITEMS: Record<string, Array<string | React.ReactNode>> = {
+    latam: [
+        <p key="bank">
+            Bank transfers to your own accounts in <b>LATAM</b>
+        </p>,
+        <p key="qr">
+            QR Payments in <b>Argentina and Brazil</b>
+        </p>,
+    ],
+    europe: [
+        <p key="sepa">
+            <b>Europe</b> SEPA transfers (+30 countries)
+        </p>,
+        <p key="qr">
+            QR Payments in <b>Argentina and Brazil</b>
+        </p>,
+    ],
+    'north-america': [
+        <p key="ach">
+            <b>United States</b> ACH and Wire transfers
+        </p>,
+        <p key="mx">
+            <b>Mexico</b> SPEI transfers
+        </p>,
+        <p key="qr">
+            QR Payments in <b>Argentina and Brazil</b>
+        </p>,
+    ],
+    'rest-of-the-world': [
+        <p key="qr">
+            QR Payments in <b>Argentina and Brazil</b>
+        </p>,
+    ],
+}
+
+const DEFAULT_UNLOCK_ITEMS = [<p key="bank">Bank transfers and local payment methods</p>]
 
 interface StartVerificationModalProps {
     visible: boolean
     onClose: () => void
     onStartVerification: () => void
-    selectedIdentityCountry: { id: string; title: string }
-    selectedCountry: { id: string; title: string }
+    selectedRegion: Region | null
+    isLoading?: boolean
 }
 
 const StartVerificationModal = ({
     visible,
     onClose,
     onStartVerification,
-    selectedIdentityCountry,
-    selectedCountry,
+    selectedRegion,
+    isLoading,
 }: StartVerificationModalProps) => {
-    const { getVerificationUnlockItems } = useIdentityVerification()
-
-    const items = useMemo(() => {
-        return getVerificationUnlockItems(selectedIdentityCountry.title)
-    }, [getVerificationUnlockItems, selectedIdentityCountry.title])
-
-    const isIdentityMantecaCountry = useMemo(
-        () => Object.prototype.hasOwnProperty.call(MantecaSupportedExchanges, selectedIdentityCountry.id.toUpperCase()),
-        [selectedIdentityCountry.id]
-    )
-
-    const isSelectedCountryMantecaCountry = useMemo(
-        () => Object.prototype.hasOwnProperty.call(MantecaSupportedExchanges, selectedCountry.id.toUpperCase()),
-        [selectedCountry]
-    )
-
-    const getDescription = () => {
-        if (isSelectedCountryMantecaCountry && isIdentityMantecaCountry) {
-            return (
-                <p>
-                    To send and receive money <b>locally,</b> you'll need to verify your identity with a
-                    government-issued ID from <b>{selectedCountry.title}.</b>
-                </p>
-            )
-        }
-
-        if (isSelectedCountryMantecaCountry && !isIdentityMantecaCountry) {
-            return `Without an ${selectedCountry.title} Issued ID, you can still pay in stores using QR codes but you won't be able to transfer money directly to bank accounts.`
-        }
-
-        return (
-            <p>
-                To send money to and from <b>bank accounts</b> and local payment methods, verify your identity with a
-                government-issued ID.
-            </p>
-        )
-    }
+    const unlockItems = selectedRegion
+        ? (REGION_UNLOCK_ITEMS[selectedRegion.path] ?? DEFAULT_UNLOCK_ITEMS)
+        : DEFAULT_UNLOCK_ITEMS
 
     return (
         <ActionModal
             visible={visible}
             onClose={onClose}
-            title={isSelectedCountryMantecaCountry ? `Unlock ${selectedCountry.title}` : 'Unlock Bank Payments'}
-            description={getDescription()}
+            title={`Unlock ${selectedRegion?.name ?? 'Region'}`}
+            description={
+                <p>
+                    To send and receive money in this region, verify your identity with a <b>government-issued ID.</b>
+                </p>
+            }
             descriptionClassName="text-black"
             icon="shield"
             iconContainerClassName="bg-primary-1"
@@ -74,8 +81,9 @@ const StartVerificationModal = ({
                 {
                     shadowSize: '4',
                     icon: 'check-circle',
-                    text: 'Verify now',
+                    text: isLoading ? 'Loading...' : 'Verify now',
                     onClick: onStartVerification,
+                    disabled: isLoading,
                 },
             ]}
             content={
@@ -86,11 +94,8 @@ const StartVerificationModal = ({
                         itemIcon="check"
                         itemIconSize={12}
                         itemIconClassName="text-secondary-7"
-                        items={items
-                            .filter((item) => item.type === (isIdentityMantecaCountry ? 'manteca' : 'bridge'))
-                            .map((item) => item.title)}
+                        items={unlockItems}
                     />
-
                     <div className="flex items-center gap-2">
                         <Icon name="info" size={12} className="text-gray-1" />
                         <p className="text-xs text-gray-1">Peanut doesn't store any of your documents.</p>
diff --git a/src/components/Kyc/BridgeTosReminder.tsx b/src/components/Kyc/BridgeTosReminder.tsx
new file mode 100644
index 000000000..e2965a62e
--- /dev/null
+++ b/src/components/Kyc/BridgeTosReminder.tsx
@@ -0,0 +1,51 @@
+'use client'
+
+import { useState, useCallback } from 'react'
+import Card from '@/components/Global/Card'
+import { Icon } from '@/components/Global/Icons/Icon'
+import { BridgeTosStep } from '@/components/Kyc/BridgeTosStep'
+import { useAuth } from '@/context/authContext'
+import { type CardPosition } from '@/components/Global/Card/card.utils'
+
+interface BridgeTosReminderProps {
+    position?: CardPosition
+}
+
+// shown in the activity feed when user has bridge rails needing ToS acceptance.
+// clicking opens the bridge ToS flow.
+export const BridgeTosReminder = ({ position = 'single' }: BridgeTosReminderProps) => {
+    const { fetchUser } = useAuth()
+    const [showTosStep, setShowTosStep] = useState(false)
+
+    const handleClick = useCallback(() => {
+        setShowTosStep(true)
+    }, [])
+
+    const handleComplete = useCallback(async () => {
+        setShowTosStep(false)
+        await fetchUser()
+    }, [fetchUser])
+
+    const handleSkip = useCallback(() => {
+        setShowTosStep(false)
+    }, [])
+
+    return (
+        <>
+            <Card position={position} onClick={handleClick} className="cursor-pointer">
+                <div className="flex items-center gap-3 p-3">
+                    <div className="flex size-10 items-center justify-center rounded-full bg-yellow-1">
+                        <Icon name="alert" className="size-5 text-black" />
+                    </div>
+                    <div className="flex-1">
+                        <p className="text-sm font-bold">Accept terms of service</p>
+                        <p className="text-xs text-grey-1">Required to enable bank transfers</p>
+                    </div>
+                    <Icon name="chevron-up" className="size-4 rotate-90 text-grey-1" />
+                </div>
+            </Card>
+
+            <BridgeTosStep visible={showTosStep} onComplete={handleComplete} onSkip={handleSkip} />
+        </>
+    )
+}
diff --git a/src/components/Kyc/BridgeTosStep.tsx b/src/components/Kyc/BridgeTosStep.tsx
new file mode 100644
index 000000000..ac23576ab
--- /dev/null
+++ b/src/components/Kyc/BridgeTosStep.tsx
@@ -0,0 +1,132 @@
+'use client'
+
+import { useState, useCallback, useEffect } from 'react'
+import ActionModal from '@/components/Global/ActionModal'
+import IframeWrapper from '@/components/Global/IframeWrapper'
+import { type IconName } from '@/components/Global/Icons/Icon'
+import { getBridgeTosLink, confirmBridgeTos } from '@/app/actions/users'
+import { useAuth } from '@/context/authContext'
+
+interface BridgeTosStepProps {
+    visible: boolean
+    onComplete: () => void
+    onSkip: () => void
+}
+
+// shown immediately after sumsub kyc approval when bridge rails need ToS acceptance.
+// displays a prompt, then opens the bridge ToS iframe.
+export const BridgeTosStep = ({ visible, onComplete, onSkip }: BridgeTosStepProps) => {
+    const { fetchUser } = useAuth()
+    const [showIframe, setShowIframe] = useState(false)
+    const [tosLink, setTosLink] = useState<string | null>(null)
+    const [isLoading, setIsLoading] = useState(false)
+    const [error, setError] = useState<string | null>(null)
+
+    // reset state when visibility changes
+    useEffect(() => {
+        if (!visible) {
+            setShowIframe(false)
+            setTosLink(null)
+            setError(null)
+        }
+    }, [visible])
+
+    const handleAcceptTerms = useCallback(async () => {
+        setIsLoading(true)
+        setError(null)
+
+        try {
+            const response = await getBridgeTosLink()
+
+            if (response.error || !response.data?.tosLink) {
+                // if we can't get the tos link (e.g. bridge customer not created yet),
+                // skip this step — the activity feed will show a reminder later
+                setError(response.error || 'Could not load terms. You can accept them later from your activity feed.')
+                return
+            }
+
+            setTosLink(response.data.tosLink)
+            setShowIframe(true)
+        } catch {
+            setError('Something went wrong. You can accept terms later from your activity feed.')
+        } finally {
+            setIsLoading(false)
+        }
+    }, [])
+
+    const handleIframeClose = useCallback(
+        async (source?: 'manual' | 'completed' | 'tos_accepted') => {
+            setShowIframe(false)
+
+            if (source === 'tos_accepted') {
+                // confirm with backend that bridge actually accepted the ToS
+                const result = await confirmBridgeTos()
+
+                if (result.data?.accepted) {
+                    await fetchUser()
+                    onComplete()
+                    return
+                }
+
+                // bridge hasn't registered acceptance yet — poll once after a short delay
+                await new Promise((resolve) => setTimeout(resolve, 2000))
+                const retry = await confirmBridgeTos()
+
+                if (retry.data?.accepted) {
+                    await fetchUser()
+                    onComplete()
+                } else {
+                    // will be caught by poller/webhook eventually
+                    await fetchUser()
+                    onComplete()
+                }
+            } else {
+                // user closed without accepting — skip, activity feed will remind them
+                onSkip()
+            }
+        },
+        [fetchUser, onComplete, onSkip]
+    )
+
+    if (!visible) return null
+
+    return (
+        <>
+            {!showIframe && (
+                <ActionModal
+                    visible={visible && !showIframe}
+                    onClose={onSkip}
+                    icon={'check' as IconName}
+                    iconContainerClassName="bg-success-1 text-white"
+                    title="Identity verified!"
+                    description={
+                        error ||
+                        'One more step: accept terms of service to enable bank transfers in the US, Europe, and Mexico.'
+                    }
+                    ctas={[
+                        {
+                            text: error ? 'Continue' : 'Accept Terms',
+                            onClick: error ? onSkip : handleAcceptTerms,
+                            disabled: isLoading,
+                            variant: 'purple',
+                            className: 'w-full',
+                            shadowSize: '4',
+                        },
+                        ...(!error
+                            ? [
+                                  {
+                                      text: 'Skip for now',
+                                      onClick: onSkip,
+                                      variant: 'transparent' as const,
+                                      className: 'underline text-sm font-medium w-full h-fit mt-3',
+                                  },
+                              ]
+                            : []),
+                    ]}
+                />
+            )}
+
+            {tosLink && <IframeWrapper src={tosLink} visible={showIframe} onClose={handleIframeClose} />}
+        </>
+    )
+}
diff --git a/src/components/Kyc/InitiateMantecaKYCModal.tsx b/src/components/Kyc/InitiateMantecaKYCModal.tsx
index d72f425cc..6f547e6f3 100644
--- a/src/components/Kyc/InitiateMantecaKYCModal.tsx
+++ b/src/components/Kyc/InitiateMantecaKYCModal.tsx
@@ -6,7 +6,7 @@ import { type IconName } from '@/components/Global/Icons/Icon'
 import { useMantecaKycFlow } from '@/hooks/useMantecaKycFlow'
 import { type CountryData } from '@/components/AddMoney/consts'
 import { Button } from '@/components/0_Bruddle/Button'
-import { PeanutDoesntStoreAnyPersonalInformation } from './KycVerificationInProgressModal'
+import { PeanutDoesntStoreAnyPersonalInformation } from '@/components/Kyc/PeanutDoesntStoreAnyPersonalInformation'
 import { useEffect } from 'react'
 
 interface Props {
diff --git a/src/components/Kyc/KYCStatusDrawerItem.tsx b/src/components/Kyc/KYCStatusDrawerItem.tsx
index 0d2cae261..f377c2ad0 100644
--- a/src/components/Kyc/KYCStatusDrawerItem.tsx
+++ b/src/components/Kyc/KYCStatusDrawerItem.tsx
@@ -2,13 +2,13 @@ import Card from '@/components/Global/Card'
 import StatusBadge, { type StatusType } from '../Global/Badges/StatusBadge'
 import { KYCStatusIcon } from './KYCStatusIcon'
 
-export const KYCStatusDrawerItem = ({ status }: { status: StatusType }) => {
+export const KYCStatusDrawerItem = ({ status, customText }: { status: StatusType; customText?: string }) => {
     return (
         <Card position="single" className="flex items-center gap-4">
             <KYCStatusIcon />
             <div className="flex flex-col gap-2">
                 <h3 className="text-lg font-extrabold">Identity verification</h3>
-                <StatusBadge status={status} className="w-fit" size="small" />
+                <StatusBadge status={status} customText={customText} className="w-fit" size="small" />
             </div>
         </Card>
     )
diff --git a/src/components/Kyc/KycFlow.tsx b/src/components/Kyc/KycFlow.tsx
index 88795f515..0ac66bd38 100644
--- a/src/components/Kyc/KycFlow.tsx
+++ b/src/components/Kyc/KycFlow.tsx
@@ -1,22 +1,22 @@
-import { Button, type ButtonProps } from '@/components/0_Bruddle/Button'
-import IframeWrapper from '@/components/Global/IframeWrapper'
-import { useBridgeKycFlow } from '@/hooks/useBridgeKycFlow'
+import { type ButtonProps } from '@/components/0_Bruddle/Button'
+import { SumsubKycFlow } from '@/components/Kyc/SumsubKycFlow'
+import { type KYCRegionIntent } from '@/app/actions/types/sumsub.types'
 
-// this component is the main entry point for the kyc flow
-// it renders a button that, when clicked, initiates the process of fetching
-// tos/kyc links, showing them in an iframe, and then displaying a status modal
-export const KycFlow = (props: ButtonProps) => {
-    const { isLoading, error, iframeOptions, handleInitiateKyc, handleIframeClose } = useBridgeKycFlow()
+interface KycFlowProps extends ButtonProps {
+    regionIntent?: KYCRegionIntent
+    onKycSuccess?: () => void
+    onManualClose?: () => void
+}
 
+// main entry point for the kyc flow.
+// renders SumsubKycFlow with an optional region intent for context-aware verification.
+export const KycFlow = ({ regionIntent, onKycSuccess, onManualClose, ...buttonProps }: KycFlowProps) => {
     return (
-        <>
-            <Button onClick={handleInitiateKyc} disabled={isLoading} {...props}>
-                {isLoading ? 'Loading...' : (props.children ?? 'Start Verification')}
-            </Button>
-
-            {error && <p className="text-red-500 mt-2 text-sm">{error}</p>}
-
-            <IframeWrapper {...iframeOptions} onClose={handleIframeClose} />
-        </>
+        <SumsubKycFlow
+            regionIntent={regionIntent}
+            onKycSuccess={onKycSuccess}
+            onManualClose={onManualClose}
+            {...buttonProps}
+        />
     )
 }
diff --git a/src/components/Kyc/KycStatusDrawer.tsx b/src/components/Kyc/KycStatusDrawer.tsx
index e8a80f9fd..07b6b292d 100644
--- a/src/components/Kyc/KycStatusDrawer.tsx
+++ b/src/components/Kyc/KycStatusDrawer.tsx
@@ -1,31 +1,21 @@
+import { KycActionRequired } from './states/KycActionRequired'
 import { KycCompleted } from './states/KycCompleted'
 import { KycFailed } from './states/KycFailed'
 import { KycProcessing } from './states/KycProcessing'
+import { KycRequiresDocuments } from './states/KycRequiresDocuments'
 import { Drawer, DrawerContent, DrawerTitle } from '../Global/Drawer'
 import { type BridgeKycStatus } from '@/utils/bridge-accounts.utils'
-import { type IUserKycVerification, MantecaKycStatus } from '@/interfaces'
+import { type IUserKycVerification } from '@/interfaces'
 import { useUserStore } from '@/redux/hooks'
 import { useBridgeKycFlow } from '@/hooks/useBridgeKycFlow'
 import { useMantecaKycFlow } from '@/hooks/useMantecaKycFlow'
+import { useSumsubKycFlow } from '@/hooks/useSumsubKycFlow'
 import { type CountryData, countryData } from '@/components/AddMoney/consts'
 import IFrameWrapper from '@/components/Global/IframeWrapper'
-
-// a helper to categorize the kyc status from the user object
-const getKycStatusCategory = (status: BridgeKycStatus | MantecaKycStatus): 'processing' | 'completed' | 'failed' => {
-    switch (status) {
-        case 'approved':
-        case MantecaKycStatus.ACTIVE:
-            return 'completed'
-        case 'rejected':
-        case MantecaKycStatus.INACTIVE:
-            return 'failed'
-        case 'under_review':
-        case 'incomplete':
-        case MantecaKycStatus.ONBOARDING:
-        default:
-            return 'processing'
-    }
-}
+import { SumsubKycWrapper } from '@/components/Kyc/SumsubKycWrapper'
+import { KycVerificationInProgressModal } from '@/components/Kyc/KycVerificationInProgressModal'
+import { getKycStatusCategory, isKycStatusNotStarted } from '@/constants/kyc.consts'
+import { type KYCRegionIntent } from '@/app/actions/types/sumsub.types'
 
 interface KycStatusDrawerProps {
     isOpen: boolean
@@ -43,6 +33,10 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
     const countryCode = verification ? verification.mantecaGeo || verification.bridgeGeo : null
     const isBridgeKyc = !verification && !!bridgeKycStatus
     const provider = verification ? verification.provider : 'BRIDGE'
+    // derive region intent from sumsub verification metadata so token uses correct level
+    const sumsubRegionIntent = (
+        verification?.provider === 'SUMSUB' ? verification?.metadata?.regionIntent : undefined
+    ) as KYCRegionIntent | undefined
 
     const {
         handleInitiateKyc: initiateBridgeKyc,
@@ -65,17 +59,71 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
         country: country as CountryData,
     })
 
+    const {
+        handleInitiateKyc: initiateSumsub,
+        showWrapper: showSumsubWrapper,
+        accessToken: sumsubAccessToken,
+        handleSdkComplete: handleSumsubComplete,
+        handleClose: handleSumsubClose,
+        refreshToken: sumsubRefreshToken,
+        isLoading: isSumsubLoading,
+        isVerificationProgressModalOpen: isSumsubProgressModalOpen,
+        closeVerificationProgressModal: closeSumsubProgressModal,
+        error: sumsubError,
+    } = useSumsubKycFlow({ onKycSuccess: onClose, onManualClose: onClose, regionIntent: sumsubRegionIntent })
+
     const onRetry = async () => {
-        if (provider === 'MANTECA') {
+        if (provider === 'SUMSUB') {
+            await initiateSumsub()
+        } else if (provider === 'MANTECA') {
             await openMantecaKyc(country as CountryData)
         } else {
             await initiateBridgeKyc()
         }
     }
 
-    const isLoadingKyc = isBridgeLoading || isMantecaLoading
+    const isLoadingKyc = isBridgeLoading || isMantecaLoading || isSumsubLoading
+
+    // check if any bridge rail needs additional documents
+    const bridgeRailsNeedingDocs = (user?.rails ?? []).filter(
+        (r) => r.status === 'REQUIRES_EXTRA_INFORMATION' && r.rail.provider.code === 'BRIDGE'
+    )
+    const needsAdditionalDocs = bridgeRailsNeedingDocs.length > 0
+    // aggregate requirements across all rails and deduplicate
+    const additionalRequirements: string[] = needsAdditionalDocs
+        ? [
+              ...new Set(
+                  bridgeRailsNeedingDocs.flatMap((r) => {
+                      const reqs = r.metadata?.additionalRequirements
+                      return Array.isArray(reqs) ? reqs : []
+                  })
+              ),
+          ]
+        : []
+
+    // count sumsub rejections for failure lockout.
+    // counts total REJECTED entries — accurate if backend creates a new row per attempt.
+    // if backend updates in-place (single row), this will be 0 or 1 and the lockout
+    // won't trigger from count alone (terminal labels and rejectType still work).
+    const sumsubFailureCount =
+        user?.user?.kycVerifications?.filter((v) => v.provider === 'SUMSUB' && v.status === 'REJECTED').length ?? 0
+
+    const handleSubmitAdditionalDocs = async () => {
+        await initiateSumsub(undefined, 'peanut-additional-docs')
+    }
 
     const renderContent = () => {
+        // bridge additional document requirement — but don't mask terminal kyc states
+        if (needsAdditionalDocs && statusCategory !== 'failed' && statusCategory !== 'action_required') {
+            return (
+                <KycRequiresDocuments
+                    requirements={additionalRequirements}
+                    onSubmitDocuments={handleSubmitAdditionalDocs}
+                    isLoading={isLoadingKyc}
+                />
+            )
+        }
+
         switch (statusCategory) {
             case 'processing':
                 return (
@@ -93,10 +141,22 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
                         isBridge={isBridgeKyc}
                     />
                 )
+            case 'action_required':
+                return (
+                    <KycActionRequired
+                        onResume={onRetry}
+                        isLoading={isLoadingKyc}
+                        rejectLabels={verification?.rejectLabels}
+                    />
+                )
             case 'failed':
                 return (
                     <KycFailed
-                        reason={user?.user?.bridgeKycRejectionReasonString ?? ''}
+                        rejectLabels={verification?.rejectLabels}
+                        bridgeReason={user?.user?.bridgeKycRejectionReasonString}
+                        isSumsub={provider === 'SUMSUB'}
+                        rejectType={verification?.rejectType}
+                        failureCount={sumsubFailureCount}
                         bridgeKycRejectedAt={verification?.updatedAt ?? user?.user?.bridgeKycRejectedAt}
                         countryCode={countryCode ?? undefined}
                         isBridge={isBridgeKyc}
@@ -109,8 +169,9 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
         }
     }
 
-    // don't render the drawer if the kyc status is unknown or not started
-    if (status === 'not_started' || !status) {
+    // don't render the drawer if the kyc status is unknown or not started.
+    // if a verification record exists, the user has initiated KYC — show the drawer.
+    if (!verification && isKycStatusNotStarted(status)) {
         return null
     }
 
@@ -120,10 +181,22 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
                 <DrawerContent className="p-5 pb-12">
                     <DrawerTitle className="sr-only">KYC Status</DrawerTitle>
                     {renderContent()}
+                    {sumsubError && provider === 'SUMSUB' && (
+                        <p className="text-red-500 mt-3 text-center text-sm">{sumsubError}</p>
+                    )}
                 </DrawerContent>
             </Drawer>
             <IFrameWrapper {...bridgeIframeOptions} onClose={handleBridgeIframeClose} />
             <IFrameWrapper {...mantecaIframeOptions} onClose={handleMantecaIframeClose} />
+            <SumsubKycWrapper
+                visible={showSumsubWrapper}
+                accessToken={sumsubAccessToken}
+                onClose={handleSumsubClose}
+                onComplete={handleSumsubComplete}
+                onRefreshToken={sumsubRefreshToken}
+                autoStart
+            />
+            <KycVerificationInProgressModal isOpen={isSumsubProgressModalOpen} onClose={closeSumsubProgressModal} />
         </>
     )
 }
diff --git a/src/components/Kyc/KycStatusItem.tsx b/src/components/Kyc/KycStatusItem.tsx
index 1ca8536ed..7eae92316 100644
--- a/src/components/Kyc/KycStatusItem.tsx
+++ b/src/components/Kyc/KycStatusItem.tsx
@@ -10,6 +10,13 @@ import { twMerge } from 'tailwind-merge'
 import { type IUserKycVerification } from '@/interfaces'
 import StatusPill from '../Global/StatusPill'
 import { KYCStatusIcon } from './KYCStatusIcon'
+import {
+    isKycStatusApproved,
+    isKycStatusPending,
+    isKycStatusFailed,
+    isKycStatusNotStarted,
+    isKycStatusActionRequired,
+} from '@/constants/kyc.consts'
 
 // this component shows the current kyc status and opens a drawer with more details on click
 export const KycStatusItem = ({
@@ -45,23 +52,26 @@ export const KycStatusItem = ({
     const finalBridgeKycStatus = wsBridgeKycStatus || bridgeKycStatus || user?.user?.bridgeKycStatus
     const kycStatus = verification ? verification.status : finalBridgeKycStatus
 
-    // Check if KYC is approved to show points earned
-    const isApproved = kycStatus === 'approved' || kycStatus === 'ACTIVE'
-
-    const isPending = kycStatus === 'under_review' || kycStatus === 'incomplete' || kycStatus === 'ONBOARDING'
-    const isRejected = kycStatus === 'rejected' || kycStatus === 'INACTIVE'
+    const isApproved = isKycStatusApproved(kycStatus)
+    const isPending = isKycStatusPending(kycStatus)
+    const isRejected = isKycStatusFailed(kycStatus)
+    const isActionRequired = isKycStatusActionRequired(kycStatus)
+    // if a verification record exists with NOT_STARTED, the user has initiated KYC
+    // (backend creates the record on initiation). only hide for bridge's default state.
+    const isInitiatedButNotStarted = !!verification && isKycStatusNotStarted(kycStatus)
 
     const subtitle = useMemo(() => {
-        if (isPending) {
-            return 'Under review'
-        }
-        if (isApproved) {
-            return 'Approved'
-        }
-        return 'Rejected'
-    }, [isPending, isApproved, isRejected])
+        if (isInitiatedButNotStarted) return 'In progress'
+        if (isActionRequired) return 'Action needed'
+        if (isPending) return 'Under review'
+        if (isApproved) return 'Approved'
+        if (isRejected) return 'Rejected'
+        return 'Unknown'
+    }, [isInitiatedButNotStarted, isActionRequired, isPending, isApproved, isRejected])
 
-    if (!kycStatus || kycStatus === 'not_started') {
+    // only hide for bridge's default "not_started" state.
+    // if a verification record exists, the user has initiated KYC — show it.
+    if (!verification && isKycStatusNotStarted(kycStatus)) {
         return null
     }
 
@@ -81,19 +91,29 @@ export const KycStatusItem = ({
                             <p className="font-semibold">Identity verification</p>
                             <div className="flex items-center gap-2">
                                 <p className="text-sm text-grey-1">{subtitle}</p>
-                                <StatusPill status={isPending ? 'pending' : isRejected ? 'cancelled' : 'completed'} />
+                                <StatusPill
+                                    status={
+                                        isInitiatedButNotStarted || isActionRequired || isPending
+                                            ? 'pending'
+                                            : isRejected
+                                              ? 'cancelled'
+                                              : 'completed'
+                                    }
+                                />
                             </div>
                         </div>
                     </div>
                 </div>
             </Card>
 
-            <KycStatusDrawer
-                isOpen={isDrawerOpen}
-                onClose={handleCloseDrawer}
-                verification={verification}
-                bridgeKycStatus={finalBridgeKycStatus}
-            />
+            {isDrawerOpen && (
+                <KycStatusDrawer
+                    isOpen={isDrawerOpen}
+                    onClose={handleCloseDrawer}
+                    verification={verification}
+                    bridgeKycStatus={finalBridgeKycStatus}
+                />
+            )}
         </>
     )
 }
diff --git a/src/components/Kyc/KycVerificationInProgressModal.tsx b/src/components/Kyc/KycVerificationInProgressModal.tsx
index 401aa0ba9..c7f23d04c 100644
--- a/src/components/Kyc/KycVerificationInProgressModal.tsx
+++ b/src/components/Kyc/KycVerificationInProgressModal.tsx
@@ -1,16 +1,34 @@
 import { useRouter } from 'next/navigation'
 import ActionModal from '@/components/Global/ActionModal'
-import { Icon, type IconName } from '@/components/Global/Icons/Icon'
-import { twMerge } from 'tailwind-merge'
+import { type IconName } from '@/components/Global/Icons/Icon'
+import { PeanutDoesntStoreAnyPersonalInformation } from '@/components/Kyc/PeanutDoesntStoreAnyPersonalInformation'
+import { type KycModalPhase } from '@/interfaces'
 
 interface KycVerificationInProgressModalProps {
     isOpen: boolean
     onClose: () => void
+    phase?: KycModalPhase
+    onAcceptTerms?: () => void
+    onSkipTerms?: () => void
+    onContinue?: () => void
+    tosError?: string | null
+    isLoadingTos?: boolean
+    preparingTimedOut?: boolean
 }
 
-// this modal is shown after the user submits their kyc information.
-// it waits for a final status from the websocket before disappearing.
-export const KycVerificationInProgressModal = ({ isOpen, onClose }: KycVerificationInProgressModalProps) => {
+// multi-phase modal shown during and after kyc verification.
+// phase transitions are controlled by the parent orchestrator (SumsubKycFlow).
+export const KycVerificationInProgressModal = ({
+    isOpen,
+    onClose,
+    phase = 'verifying',
+    onAcceptTerms,
+    onSkipTerms,
+    onContinue,
+    tosError,
+    isLoadingTos,
+    preparingTimedOut,
+}: KycVerificationInProgressModalProps) => {
     const router = useRouter()
 
     const handleGoHome = () => {
@@ -18,42 +36,124 @@ export const KycVerificationInProgressModal = ({ isOpen, onClose }: KycVerificat
         router.push('/home')
     }
 
-    const descriptionWithInfo = (
-        <p>
-            This usually takes less than a minute. You can stay here while we finish, or return to the home screen and
-            we'll notify you when it's done.
-        </p>
-    )
+    if (phase === 'verifying') {
+        return (
+            <ActionModal
+                visible={isOpen}
+                onClose={onClose}
+                icon={'clock' as IconName}
+                iconContainerClassName="bg-yellow-1 text-black"
+                title="We're verifying your identity"
+                description={
+                    <p>
+                        This usually takes less than a minute. You can stay here while we finish, or return to the home
+                        screen and we'll notify you when it's done.
+                    </p>
+                }
+                ctas={[
+                    {
+                        text: 'Go to Home',
+                        onClick: handleGoHome,
+                        variant: 'purple',
+                        className: 'w-full',
+                        shadowSize: '4',
+                    },
+                ]}
+                preventClose
+                hideModalCloseButton
+                footer={<PeanutDoesntStoreAnyPersonalInformation />}
+            />
+        )
+    }
+
+    if (phase === 'preparing') {
+        return (
+            <ActionModal
+                visible={isOpen}
+                onClose={onClose}
+                isLoadingIcon
+                iconContainerClassName="bg-yellow-1 text-black"
+                title="Identity verified!"
+                description={
+                    preparingTimedOut
+                        ? "This is taking longer than expected. You can continue and we'll notify you when it's ready."
+                        : 'Preparing your account...'
+                }
+                ctas={
+                    preparingTimedOut
+                        ? [
+                              {
+                                  text: 'Go to Home',
+                                  onClick: handleGoHome,
+                                  variant: 'purple',
+                                  className: 'w-full',
+                                  shadowSize: '4',
+                              },
+                          ]
+                        : []
+                }
+                preventClose
+                hideModalCloseButton
+            />
+        )
+    }
+
+    if (phase === 'bridge_tos') {
+        const description =
+            tosError || 'One more step: accept terms of service to enable bank transfers in the US, Europe, and Mexico.'
 
+        return (
+            <ActionModal
+                visible={isOpen}
+                onClose={onClose}
+                icon={'check' as IconName}
+                iconContainerClassName="bg-success-1 text-white"
+                title="Identity verified!"
+                description={description}
+                ctas={[
+                    {
+                        text: tosError ? 'Continue' : 'Accept Terms',
+                        onClick: tosError ? (onSkipTerms ?? onClose) : (onAcceptTerms ?? onClose),
+                        disabled: isLoadingTos,
+                        variant: 'purple',
+                        className: 'w-full',
+                        shadowSize: '4',
+                    },
+                    ...(!tosError
+                        ? [
+                              {
+                                  text: 'Skip for now',
+                                  onClick: onSkipTerms ?? onClose,
+                                  variant: 'transparent' as const,
+                                  className: 'underline text-sm font-medium w-full h-fit mt-3',
+                              },
+                          ]
+                        : []),
+                ]}
+                preventClose
+                hideModalCloseButton
+            />
+        )
+    }
+
+    // phase === 'complete'
     return (
         <ActionModal
             visible={isOpen}
             onClose={onClose}
-            icon={'clock' as IconName}
-            iconContainerClassName="bg-yellow-1 text-black"
-            title="We're verifying your identity"
-            description={descriptionWithInfo}
+            icon={'check' as IconName}
+            iconContainerClassName="bg-success-1 text-white"
+            title="All set!"
+            description="Your account is ready to go."
             ctas={[
                 {
-                    text: 'Go to Home',
-                    onClick: handleGoHome,
+                    text: 'Continue',
+                    onClick: onContinue ?? onClose,
                     variant: 'purple',
                     className: 'w-full',
                     shadowSize: '4',
                 },
             ]}
-            preventClose
-            hideModalCloseButton
-            footer={<PeanutDoesntStoreAnyPersonalInformation />}
         />
     )
 }
-
-export const PeanutDoesntStoreAnyPersonalInformation = ({ className }: { className?: string }) => {
-    return (
-        <div className={twMerge('flex items-center gap-2 text-[11px] text-grey-1', className)}>
-            <Icon name="info" className="h-3 w-3" />
-            <span>Peanut doesn't store any of your documents</span>
-        </div>
-    )
-}
diff --git a/src/components/Kyc/PeanutDoesntStoreAnyPersonalInformation.tsx b/src/components/Kyc/PeanutDoesntStoreAnyPersonalInformation.tsx
new file mode 100644
index 000000000..3922f0c00
--- /dev/null
+++ b/src/components/Kyc/PeanutDoesntStoreAnyPersonalInformation.tsx
@@ -0,0 +1,11 @@
+import { Icon } from '@/components/Global/Icons/Icon'
+import { twMerge } from 'tailwind-merge'
+
+export const PeanutDoesntStoreAnyPersonalInformation = ({ className }: { className?: string }) => {
+    return (
+        <div className={twMerge('flex items-center gap-2 text-[11px] text-grey-1', className)}>
+            <Icon name="info" className="h-3 w-3" />
+            <span>Peanut doesn&apos;t store any of your documents</span>
+        </div>
+    )
+}
diff --git a/src/components/Kyc/RejectLabelsList.tsx b/src/components/Kyc/RejectLabelsList.tsx
new file mode 100644
index 000000000..69bfb63c5
--- /dev/null
+++ b/src/components/Kyc/RejectLabelsList.tsx
@@ -0,0 +1,32 @@
+import { useMemo } from 'react'
+import InfoCard from '@/components/Global/InfoCard'
+import { getRejectLabelInfo } from '@/constants/sumsub-reject-labels.consts'
+
+// renders sumsub reject labels as individual InfoCards, with a generic fallback
+// when no labels are provided. shared between drawer states and modals.
+export const RejectLabelsList = ({ rejectLabels }: { rejectLabels?: string[] | null }) => {
+    const labels = rejectLabels?.length ? rejectLabels : null
+
+    const reasons = useMemo(() => {
+        if (!labels) return null
+        return labels.map((label) => getRejectLabelInfo(label))
+    }, [labels])
+
+    if (!reasons) {
+        return (
+            <InfoCard
+                variant="info"
+                icon="alert"
+                description="We need more information to complete your verification. Please provide the requested details to continue."
+            />
+        )
+    }
+
+    return (
+        <div className="space-y-2">
+            {reasons.map((reason, i) => (
+                <InfoCard key={i} variant="info" icon="alert" title={reason.title} description={reason.description} />
+            ))}
+        </div>
+    )
+}
diff --git a/src/components/Kyc/SumsubKycFlow.tsx b/src/components/Kyc/SumsubKycFlow.tsx
new file mode 100644
index 000000000..e5d01ea85
--- /dev/null
+++ b/src/components/Kyc/SumsubKycFlow.tsx
@@ -0,0 +1,294 @@
+import { useState, useCallback, useEffect, useRef } from 'react'
+import { Button, type ButtonProps } from '@/components/0_Bruddle/Button'
+import { SumsubKycWrapper } from '@/components/Kyc/SumsubKycWrapper'
+import { KycVerificationInProgressModal } from '@/components/Kyc/KycVerificationInProgressModal'
+import IframeWrapper from '@/components/Global/IframeWrapper'
+import { useSumsubKycFlow } from '@/hooks/useSumsubKycFlow'
+import { useRailStatusTracking } from '@/hooks/useRailStatusTracking'
+import { useAuth } from '@/context/authContext'
+import { getBridgeTosLink, confirmBridgeTos } from '@/app/actions/users'
+import { type KYCRegionIntent } from '@/app/actions/types/sumsub.types'
+import { type KycModalPhase } from '@/interfaces'
+
+const PREPARING_TIMEOUT_MS = 30000
+
+interface SumsubKycFlowProps extends ButtonProps {
+    onKycSuccess?: () => void
+    onManualClose?: () => void
+    regionIntent?: KYCRegionIntent
+}
+
+/**
+ * entry point for the kyc flow.
+ * renders a button that initiates kyc, the sumsub sdk wrapper modal,
+ * and a multi-phase verification modal that handles:
+ *   verifying → preparing → bridge_tos (if applicable) → complete
+ */
+export const SumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent, ...buttonProps }: SumsubKycFlowProps) => {
+    const { fetchUser } = useAuth()
+
+    // multi-phase modal state
+    const [modalPhase, setModalPhase] = useState<KycModalPhase>('verifying')
+    const [forceShowModal, setForceShowModal] = useState(false)
+    const [preparingTimedOut, setPreparingTimedOut] = useState(false)
+    const preparingTimerRef = useRef<NodeJS.Timeout | null>(null)
+    const isRealtimeFlowRef = useRef(false)
+
+    // bridge ToS state
+    const [tosLink, setTosLink] = useState<string | null>(null)
+    const [showTosIframe, setShowTosIframe] = useState(false)
+    const [tosError, setTosError] = useState<string | null>(null)
+    const [isLoadingTos, setIsLoadingTos] = useState(false)
+
+    // ref for closeVerificationProgressModal (avoids circular dep with completeFlow)
+    const closeVerificationModalRef = useRef<() => void>(() => {})
+
+    // rail tracking
+    const { allSettled, needsBridgeTos, startTracking, stopTracking } = useRailStatusTracking()
+
+    const clearPreparingTimer = useCallback(() => {
+        if (preparingTimerRef.current) {
+            clearTimeout(preparingTimerRef.current)
+            preparingTimerRef.current = null
+        }
+    }, [])
+
+    // complete the flow — close everything, call original onKycSuccess
+    const completeFlow = useCallback(() => {
+        isRealtimeFlowRef.current = false
+        setForceShowModal(false)
+        setModalPhase('verifying')
+        setPreparingTimedOut(false)
+        setTosLink(null)
+        setShowTosIframe(false)
+        setTosError(null)
+        clearPreparingTimer()
+        stopTracking()
+        closeVerificationModalRef.current()
+        onKycSuccess?.()
+    }, [onKycSuccess, clearPreparingTimer, stopTracking])
+
+    // called by useSumsubKycFlow when sumsub status transitions to APPROVED
+    const handleSumsubApproved = useCallback(async () => {
+        // for real-time flow, optimistically show "Identity verified!" while we check rails
+        if (isRealtimeFlowRef.current) {
+            setModalPhase('preparing')
+            setForceShowModal(true)
+        }
+
+        const updatedUser = await fetchUser()
+        const rails = updatedUser?.rails ?? []
+
+        const bridgeNeedsTos = rails.some(
+            (r) => r.rail.provider.code === 'BRIDGE' && r.status === 'REQUIRES_INFORMATION'
+        )
+
+        if (bridgeNeedsTos) {
+            setModalPhase('bridge_tos')
+            setForceShowModal(true)
+            clearPreparingTimer()
+            return
+        }
+
+        const anyPending = rails.some((r) => r.status === 'PENDING')
+
+        if (anyPending || (rails.length === 0 && isRealtimeFlowRef.current)) {
+            // rails still being set up — show preparing and start tracking
+            setModalPhase('preparing')
+            setForceShowModal(true)
+            startTracking()
+            return
+        }
+
+        // all settled — done
+        completeFlow()
+    }, [fetchUser, startTracking, clearPreparingTimer, completeFlow])
+
+    const {
+        isLoading,
+        error,
+        showWrapper,
+        accessToken,
+        liveKycStatus,
+        handleInitiateKyc: originalHandleInitiateKyc,
+        handleSdkComplete: originalHandleSdkComplete,
+        handleClose,
+        refreshToken,
+        isVerificationProgressModalOpen,
+        closeVerificationProgressModal,
+    } = useSumsubKycFlow({ onKycSuccess: handleSumsubApproved, onManualClose, regionIntent })
+
+    // keep ref in sync
+    useEffect(() => {
+        closeVerificationModalRef.current = closeVerificationProgressModal
+    }, [closeVerificationProgressModal])
+
+    // refresh user store when kyc status transitions to a non-success state
+    // so the drawer/status item reads the updated verification record
+    useEffect(() => {
+        if (liveKycStatus === 'ACTION_REQUIRED' || liveKycStatus === 'REJECTED') {
+            fetchUser()
+        }
+    }, [liveKycStatus, fetchUser])
+
+    // wrap handleSdkComplete to track real-time flow
+    const handleSdkComplete = useCallback(() => {
+        isRealtimeFlowRef.current = true
+        originalHandleSdkComplete()
+    }, [originalHandleSdkComplete])
+
+    // wrap handleInitiateKyc to reset state for new attempts
+    const handleInitiateKyc = useCallback(
+        async (overrideIntent?: KYCRegionIntent) => {
+            setModalPhase('verifying')
+            setForceShowModal(false)
+            setPreparingTimedOut(false)
+            setTosLink(null)
+            setShowTosIframe(false)
+            setTosError(null)
+            isRealtimeFlowRef.current = false
+            clearPreparingTimer()
+
+            await originalHandleInitiateKyc(overrideIntent)
+        },
+        [originalHandleInitiateKyc, clearPreparingTimer]
+    )
+
+    // 30s timeout for preparing phase
+    useEffect(() => {
+        if (modalPhase === 'preparing' && !preparingTimedOut) {
+            clearPreparingTimer()
+            preparingTimerRef.current = setTimeout(() => {
+                setPreparingTimedOut(true)
+            }, PREPARING_TIMEOUT_MS)
+        } else {
+            clearPreparingTimer()
+        }
+    }, [modalPhase, preparingTimedOut, clearPreparingTimer])
+
+    // phase transitions driven by rail tracking
+    useEffect(() => {
+        if (modalPhase === 'preparing') {
+            if (needsBridgeTos) {
+                setModalPhase('bridge_tos')
+                clearPreparingTimer()
+            } else if (allSettled) {
+                setModalPhase('complete')
+                clearPreparingTimer()
+                stopTracking()
+            }
+        } else if (modalPhase === 'bridge_tos') {
+            // after ToS accepted, rails transition to ENABLED
+            if (allSettled && !needsBridgeTos) {
+                setModalPhase('complete')
+                stopTracking()
+            }
+        }
+    }, [modalPhase, needsBridgeTos, allSettled, clearPreparingTimer, stopTracking])
+
+    // handle "Accept Terms" click in bridge_tos phase
+    const handleAcceptTerms = useCallback(async () => {
+        setIsLoadingTos(true)
+        setTosError(null)
+
+        try {
+            const response = await getBridgeTosLink()
+
+            if (response.error || !response.data?.tosLink) {
+                setTosError(
+                    response.error || 'Could not load terms. You can accept them later from your activity feed.'
+                )
+                return
+            }
+
+            setTosLink(response.data.tosLink)
+            setShowTosIframe(true)
+        } catch {
+            setTosError('Something went wrong. You can accept terms later from your activity feed.')
+        } finally {
+            setIsLoadingTos(false)
+        }
+    }, [])
+
+    // handle ToS iframe close
+    const handleTosIframeClose = useCallback(
+        async (source?: 'manual' | 'completed' | 'tos_accepted') => {
+            setShowTosIframe(false)
+
+            if (source === 'tos_accepted') {
+                // confirm with backend
+                const result = await confirmBridgeTos()
+
+                if (!result.data?.accepted) {
+                    // bridge may not have registered acceptance yet — retry after short delay
+                    await new Promise((resolve) => setTimeout(resolve, 2000))
+                    const retryResult = await confirmBridgeTos()
+                    if (!retryResult.data?.accepted) {
+                        console.warn('[SumsubKycFlow] bridge ToS confirmation failed after retry')
+                    }
+                }
+
+                // refetch user — the phase-transition effect will handle moving to 'complete'
+                await fetchUser()
+            }
+            // if manual close, stay on bridge_tos phase (user can try again or skip)
+        },
+        [fetchUser]
+    )
+
+    // handle "Skip for now" in bridge_tos phase
+    const handleSkipTerms = useCallback(() => {
+        completeFlow()
+    }, [completeFlow])
+
+    // handle modal close (Go to Home, etc.)
+    const handleModalClose = useCallback(() => {
+        isRealtimeFlowRef.current = false
+        setForceShowModal(false)
+        clearPreparingTimer()
+        stopTracking()
+        closeVerificationProgressModal()
+    }, [clearPreparingTimer, stopTracking, closeVerificationProgressModal])
+
+    // cleanup on unmount
+    useEffect(() => {
+        return () => {
+            clearPreparingTimer()
+            stopTracking()
+        }
+    }, [clearPreparingTimer, stopTracking])
+
+    const isModalOpen = isVerificationProgressModalOpen || forceShowModal
+
+    return (
+        <>
+            <Button onClick={() => handleInitiateKyc()} disabled={isLoading} {...buttonProps}>
+                {isLoading ? 'Loading...' : (buttonProps.children ?? 'Start Verification')}
+            </Button>
+
+            {error && <p className="text-red-500 mt-2 text-sm">{error}</p>}
+
+            <SumsubKycWrapper
+                visible={showWrapper}
+                accessToken={accessToken}
+                onClose={handleClose}
+                onComplete={handleSdkComplete}
+                onRefreshToken={refreshToken}
+            />
+
+            <KycVerificationInProgressModal
+                isOpen={isModalOpen}
+                onClose={handleModalClose}
+                phase={modalPhase}
+                onAcceptTerms={handleAcceptTerms}
+                onSkipTerms={handleSkipTerms}
+                onContinue={completeFlow}
+                tosError={tosError}
+                isLoadingTos={isLoadingTos}
+                preparingTimedOut={preparingTimedOut}
+            />
+
+            {tosLink && <IframeWrapper src={tosLink} visible={showTosIframe} onClose={handleTosIframeClose} />}
+        </>
+    )
+}
diff --git a/src/components/Kyc/SumsubKycWrapper.tsx b/src/components/Kyc/SumsubKycWrapper.tsx
new file mode 100644
index 000000000..8fcf0bc57
--- /dev/null
+++ b/src/components/Kyc/SumsubKycWrapper.tsx
@@ -0,0 +1,288 @@
+'use client'
+
+import { useEffect, useMemo, useState, useRef, useCallback } from 'react'
+import Modal from '@/components/Global/Modal'
+import ActionModal from '@/components/Global/ActionModal'
+import { Icon, type IconName } from '@/components/Global/Icons/Icon'
+import { Button, type ButtonVariant } from '@/components/0_Bruddle/Button'
+import { useModalsContext } from '@/context/ModalsContext'
+import StartVerificationView from '../Global/IframeWrapper/StartVerificationView'
+
+// todo: move to consts
+const SUMSUB_SDK_URL = 'https://static.sumsub.com/idensic/static/sns-websdk-builder.js'
+
+interface SumsubKycWrapperProps {
+    visible: boolean
+    accessToken: string | null
+    onClose: () => void
+    onComplete: () => void
+    onError?: (error: unknown) => void
+    onRefreshToken: () => Promise<string>
+    /** skip StartVerificationView and launch SDK immediately (for re-submissions) */
+    autoStart?: boolean
+}
+
+export const SumsubKycWrapper = ({
+    visible,
+    accessToken,
+    onClose,
+    onComplete,
+    onError,
+    onRefreshToken,
+    autoStart,
+}: SumsubKycWrapperProps) => {
+    const [isVerificationStarted, setIsVerificationStarted] = useState(false)
+    const [sdkLoaded, setSdkLoaded] = useState(false)
+    const [sdkLoadError, setSdkLoadError] = useState(false)
+    const [isHelpModalOpen, setIsHelpModalOpen] = useState(false)
+    const [modalVariant, setModalVariant] = useState<'stop-verification' | 'trouble'>('trouble')
+    const sdkContainerRef = useRef<HTMLDivElement>(null)
+    const sdkInstanceRef = useRef<SnsWebSdkInstance | null>(null)
+    const { setIsSupportModalOpen } = useModalsContext()
+
+    // callback refs to avoid stale closures in sdk init effect
+    const onCompleteRef = useRef(onComplete)
+    const onErrorRef = useRef(onError)
+    const onRefreshTokenRef = useRef(onRefreshToken)
+
+    useEffect(() => {
+        onCompleteRef.current = onComplete
+        onErrorRef.current = onError
+        onRefreshTokenRef.current = onRefreshToken
+    }, [onComplete, onError, onRefreshToken])
+
+    // stable wrappers that read from refs
+    const stableOnComplete = useCallback(() => onCompleteRef.current(), [])
+    const stableOnError = useCallback((error: unknown) => onErrorRef.current?.(error), [])
+    const stableOnRefreshToken = useCallback(() => onRefreshTokenRef.current(), [])
+
+    // load sumsub websdk script
+    useEffect(() => {
+        const existingScript = document.getElementById('sumsub-websdk')
+        if (existingScript) {
+            setSdkLoaded(true)
+            return
+        }
+
+        const script = document.createElement('script')
+        script.id = 'sumsub-websdk'
+        script.src = SUMSUB_SDK_URL
+        script.async = true
+        script.onload = () => setSdkLoaded(true)
+        script.onerror = () => {
+            console.error('[sumsub] failed to load websdk script')
+            setSdkLoadError(true)
+        }
+        document.head.appendChild(script)
+    }, [])
+
+    // initialize sdk when verification starts and all deps are ready
+    useEffect(() => {
+        if (!isVerificationStarted || !accessToken || !sdkLoaded || !sdkContainerRef.current) return
+
+        // clean up previous instance
+        if (sdkInstanceRef.current) {
+            try {
+                sdkInstanceRef.current.destroy()
+            } catch {
+                // ignore cleanup errors
+            }
+        }
+
+        try {
+            const handleSubmitted = () => {
+                console.log('[sumsub] onApplicantSubmitted fired')
+                stableOnComplete()
+            }
+            const handleResubmitted = () => {
+                console.log('[sumsub] onApplicantResubmitted fired')
+                stableOnComplete()
+            }
+            const handleStatusChanged = (payload: {
+                reviewStatus?: string
+                reviewResult?: { reviewAnswer?: string }
+            }) => {
+                console.log('[sumsub] onApplicantStatusChanged fired', payload)
+                // auto-close when sumsub shows success screen
+                if (payload?.reviewStatus === 'completed' && payload?.reviewResult?.reviewAnswer === 'GREEN') {
+                    stableOnComplete()
+                }
+            }
+
+            const sdk = window.snsWebSdk
+                .init(accessToken, stableOnRefreshToken)
+                .withConf({ lang: 'en', theme: 'light' })
+                .withOptions({ addViewportTag: false, adaptIframeHeight: true })
+                .on('onApplicantSubmitted', handleSubmitted)
+                .on('onApplicantResubmitted', handleResubmitted)
+                .on('onApplicantStatusChanged', handleStatusChanged)
+                // also listen for idCheck-prefixed events (some sdk versions use these)
+                .on('idCheck.onApplicantSubmitted', handleSubmitted)
+                .on('idCheck.onApplicantResubmitted', handleResubmitted)
+                .on('idCheck.onApplicantStatusChanged', handleStatusChanged)
+                .on('onError', (error: unknown) => {
+                    console.error('[sumsub] sdk error', error)
+                    stableOnError(error)
+                })
+                .build()
+
+            sdk.launch(sdkContainerRef.current)
+            sdkInstanceRef.current = sdk
+        } catch (error) {
+            console.error('[sumsub] failed to initialize sdk', error)
+            stableOnError(error)
+        }
+
+        return () => {
+            if (sdkInstanceRef.current) {
+                try {
+                    sdkInstanceRef.current.destroy()
+                } catch {
+                    // ignore cleanup errors
+                }
+                sdkInstanceRef.current = null
+            }
+        }
+    }, [isVerificationStarted, accessToken, sdkLoaded, stableOnComplete, stableOnError, stableOnRefreshToken])
+
+    // reset state when modal closes, auto-start on re-submission
+    useEffect(() => {
+        if (!visible) {
+            setIsVerificationStarted(false)
+            setSdkLoadError(false)
+            if (sdkInstanceRef.current) {
+                try {
+                    sdkInstanceRef.current.destroy()
+                } catch {
+                    // ignore cleanup errors
+                }
+                sdkInstanceRef.current = null
+            }
+        } else if (autoStart) {
+            // skip StartVerificationView on re-submission (user already consented)
+            setIsVerificationStarted(true)
+        }
+    }, [visible, autoStart])
+
+    const modalDetails = useMemo(() => {
+        if (modalVariant === 'trouble') {
+            return {
+                title: 'Having trouble verifying?',
+                description:
+                    "If the verification isn't loading or working properly, please contact our support team for help.",
+                icon: 'question-mark' as IconName,
+                iconContainerClassName: 'bg-primary-1',
+                ctas: [
+                    {
+                        text: 'Chat with support',
+                        icon: 'peanut-support' as IconName,
+                        onClick: () => setIsSupportModalOpen(true),
+                        variant: 'purple' as ButtonVariant,
+                        shadowSize: '4' as const,
+                    },
+                ],
+            }
+        }
+
+        return {
+            title: 'Stop verification?',
+            description: "If you exit now, your verification won't be completed and you'll need to start again later.",
+            icon: 'alert' as IconName,
+            iconContainerClassName: 'bg-secondary-1',
+            ctas: [
+                {
+                    text: 'Stop verification',
+                    onClick: () => {
+                        setIsHelpModalOpen(false)
+                        onClose()
+                    },
+                    variant: 'purple' as ButtonVariant,
+                    shadowSize: '4' as const,
+                },
+                {
+                    text: 'Continue verifying',
+                    onClick: () => setIsHelpModalOpen(false),
+                    variant: 'transparent' as ButtonVariant,
+                    className: 'underline text-sm font-medium w-full h-fit mt-3',
+                },
+            ],
+        }
+    }, [modalVariant, onClose, setIsSupportModalOpen])
+
+    return (
+        <>
+            <Modal
+                visible={visible}
+                onClose={onClose}
+                classWrap="h-full w-full !max-w-none sm:!max-w-[600px] border-none sm:m-auto m-0"
+                classOverlay={`bg-black bg-opacity-50 ${isHelpModalOpen ? 'pointer-events-none' : ''}`}
+                video={false}
+                className={`z-[100] !p-0 md:!p-6 ${isHelpModalOpen ? 'pointer-events-none' : ''}`}
+                classButtonClose="hidden"
+                preventClose={true}
+                hideOverlay={false}
+            >
+                {!isVerificationStarted ? (
+                    <StartVerificationView
+                        onClose={onClose}
+                        onStartVerification={() => setIsVerificationStarted(true)}
+                    />
+                ) : sdkLoadError ? (
+                    <div className="flex h-full flex-col items-center justify-center gap-4 p-8">
+                        <Icon name="alert" className="text-red-500 h-12 w-12" />
+                        <p className="text-center text-lg font-medium">
+                            Failed to load verification. Please check your connection and try again.
+                        </p>
+                        <Button variant="purple" shadowSize="4" onClick={onClose}>
+                            Close
+                        </Button>
+                    </div>
+                ) : (
+                    <div className="flex h-full flex-col gap-2 p-0">
+                        <div className="relative h-full w-full flex-grow">
+                            <div ref={sdkContainerRef} className="w-full overflow-auto p-4" style={{ height: '85%' }} />
+                            <div className="absolute bottom-0 flex h-[12%] w-full flex-col items-center justify-center gap-2 px-5 shadow-md">
+                                <Button
+                                    variant="transparent"
+                                    className="h-8 max-w-md font-normal underline"
+                                    onClick={() => {
+                                        setModalVariant('stop-verification')
+                                        setIsHelpModalOpen(true)
+                                    }}
+                                    shadowType="primary"
+                                >
+                                    Stop verification process
+                                </Button>
+                                <button
+                                    onClick={() => {
+                                        setModalVariant('trouble')
+                                        setIsHelpModalOpen(true)
+                                    }}
+                                    className="flex items-center gap-1"
+                                >
+                                    <Icon name="peanut-support" size={16} className="text-grey-1" />
+                                    <p className="text-xs font-medium text-grey-1 underline">Having trouble?</p>
+                                </button>
+                            </div>
+                        </div>
+                    </div>
+                )}
+            </Modal>
+            {/* rendered outside the outer Modal to avoid pointer-events-none blocking clicks */}
+            <ActionModal
+                visible={isHelpModalOpen}
+                onClose={() => setIsHelpModalOpen(false)}
+                title={modalDetails.title}
+                description={modalDetails.description}
+                icon={modalDetails.icon}
+                iconContainerClassName={modalDetails.iconContainerClassName}
+                modalPanelClassName="max-w-full"
+                ctaClassName="grid grid-cols-1 gap-3"
+                contentContainerClassName="px-6 py-6"
+                modalClassName="!z-[10001]"
+                preventClose={true}
+                ctas={modalDetails.ctas}
+            />
+        </>
+    )
+}
diff --git a/src/components/Kyc/modals/KycActionRequiredModal.tsx b/src/components/Kyc/modals/KycActionRequiredModal.tsx
new file mode 100644
index 000000000..707f5ead6
--- /dev/null
+++ b/src/components/Kyc/modals/KycActionRequiredModal.tsx
@@ -0,0 +1,44 @@
+import ActionModal from '@/components/Global/ActionModal'
+import { RejectLabelsList } from '../RejectLabelsList'
+
+interface KycActionRequiredModalProps {
+    visible: boolean
+    onClose: () => void
+    onResubmit: () => void
+    isLoading?: boolean
+    rejectLabels?: string[] | null
+}
+
+// shown when user clicks a locked region while their kyc needs resubmission (soft reject)
+export const KycActionRequiredModal = ({
+    visible,
+    onClose,
+    onResubmit,
+    isLoading,
+    rejectLabels,
+}: KycActionRequiredModalProps) => {
+    return (
+        <ActionModal
+            visible={visible}
+            onClose={onClose}
+            icon="alert"
+            iconContainerClassName="bg-yellow-1"
+            title="Action needed"
+            description="We need more information to verify your identity."
+            content={
+                <div className="w-full">
+                    <RejectLabelsList rejectLabels={rejectLabels} />
+                </div>
+            }
+            ctas={[
+                {
+                    text: isLoading ? 'Loading...' : 'Re-submit verification',
+                    icon: 'retry',
+                    onClick: onResubmit,
+                    disabled: isLoading,
+                    shadowSize: '4',
+                },
+            ]}
+        />
+    )
+}
diff --git a/src/components/Kyc/modals/KycProcessingModal.tsx b/src/components/Kyc/modals/KycProcessingModal.tsx
new file mode 100644
index 000000000..c904bd12d
--- /dev/null
+++ b/src/components/Kyc/modals/KycProcessingModal.tsx
@@ -0,0 +1,27 @@
+import ActionModal from '@/components/Global/ActionModal'
+
+interface KycProcessingModalProps {
+    visible: boolean
+    onClose: () => void
+}
+
+// shown when user clicks a locked region while their kyc is pending/in review
+export const KycProcessingModal = ({ visible, onClose }: KycProcessingModalProps) => {
+    return (
+        <ActionModal
+            visible={visible}
+            onClose={onClose}
+            icon="clock"
+            iconContainerClassName="bg-purple-3"
+            title="Verification in progress"
+            description="We're reviewing your identity. This usually takes less than a minute."
+            ctas={[
+                {
+                    text: 'Got it',
+                    onClick: onClose,
+                    shadowSize: '4',
+                },
+            ]}
+        />
+    )
+}
diff --git a/src/components/Kyc/modals/KycRejectedModal.tsx b/src/components/Kyc/modals/KycRejectedModal.tsx
new file mode 100644
index 000000000..9d2aece39
--- /dev/null
+++ b/src/components/Kyc/modals/KycRejectedModal.tsx
@@ -0,0 +1,79 @@
+import { useMemo } from 'react'
+import ActionModal from '@/components/Global/ActionModal'
+import InfoCard from '@/components/Global/InfoCard'
+import { RejectLabelsList } from '../RejectLabelsList'
+import { isTerminalRejection } from '@/constants/sumsub-reject-labels.consts'
+import { useModalsContext } from '@/context/ModalsContext'
+
+interface KycRejectedModalProps {
+    visible: boolean
+    onClose: () => void
+    onRetry: () => void
+    isLoading?: boolean
+    rejectLabels?: string[] | null
+    rejectType?: 'RETRY' | 'FINAL' | null
+    failureCount?: number
+}
+
+// shown when user clicks a locked region while their kyc is rejected
+export const KycRejectedModal = ({
+    visible,
+    onClose,
+    onRetry,
+    isLoading,
+    rejectLabels,
+    rejectType,
+    failureCount,
+}: KycRejectedModalProps) => {
+    const { setIsSupportModalOpen } = useModalsContext()
+
+    const isTerminal = useMemo(
+        () => isTerminalRejection({ rejectType, failureCount, rejectLabels }),
+        [rejectType, failureCount, rejectLabels]
+    )
+
+    return (
+        <ActionModal
+            visible={visible}
+            onClose={onClose}
+            icon={isTerminal ? 'lock' : 'alert'}
+            iconContainerClassName={isTerminal ? 'bg-red-1' : 'bg-yellow-1'}
+            title={isTerminal ? 'Verification failed' : 'Verification unsuccessful'}
+            description={
+                isTerminal
+                    ? 'Your verification cannot be retried.'
+                    : 'Your verification was not successful. You can try again.'
+            }
+            content={
+                <div className="w-full space-y-3">
+                    <RejectLabelsList rejectLabels={rejectLabels} />
+                    {isTerminal && (
+                        <InfoCard
+                            variant="error"
+                            icon="lock"
+                            description="Your verification cannot be retried. Please contact support for help."
+                        />
+                    )}
+                </div>
+            }
+            ctas={[
+                isTerminal
+                    ? {
+                          text: 'Contact support',
+                          onClick: () => {
+                              onClose()
+                              setIsSupportModalOpen(true)
+                          },
+                          shadowSize: '4',
+                      }
+                    : {
+                          text: isLoading ? 'Loading...' : 'Retry verification',
+                          icon: 'retry',
+                          onClick: onRetry,
+                          disabled: isLoading,
+                          shadowSize: '4',
+                      },
+            ]}
+        />
+    )
+}
diff --git a/src/components/Kyc/states/KycActionRequired.tsx b/src/components/Kyc/states/KycActionRequired.tsx
new file mode 100644
index 000000000..418f28842
--- /dev/null
+++ b/src/components/Kyc/states/KycActionRequired.tsx
@@ -0,0 +1,34 @@
+import { KYCStatusDrawerItem } from '../KYCStatusDrawerItem'
+import { RejectLabelsList } from '../RejectLabelsList'
+import { Button } from '@/components/0_Bruddle/Button'
+import type { IconName } from '@/components/Global/Icons/Icon'
+
+// this component shows the kyc status when sumsub requires additional action from the user.
+// displays specific rejection reasons when available (e.g. bad photo quality, expired doc).
+export const KycActionRequired = ({
+    onResume,
+    isLoading,
+    rejectLabels,
+}: {
+    onResume: () => void
+    isLoading?: boolean
+    rejectLabels?: string[] | null
+}) => {
+    return (
+        <div className="space-y-4 p-1">
+            <KYCStatusDrawerItem status="pending" customText="Action needed" />
+
+            <RejectLabelsList rejectLabels={rejectLabels} />
+
+            <Button
+                icon={'retry' as IconName}
+                className="w-full"
+                shadowSize="4"
+                onClick={onResume}
+                disabled={isLoading}
+            >
+                {isLoading ? 'Loading...' : 'Re-submit verification'}
+            </Button>
+        </div>
+    )
+}
diff --git a/src/components/Kyc/states/KycCompleted.tsx b/src/components/Kyc/states/KycCompleted.tsx
index 0c59259b9..a28420426 100644
--- a/src/components/Kyc/states/KycCompleted.tsx
+++ b/src/components/Kyc/states/KycCompleted.tsx
@@ -1,6 +1,8 @@
 import Card from '@/components/Global/Card'
 import { KYCStatusDrawerItem } from '../KYCStatusDrawerItem'
 import { PaymentInfoRow } from '@/components/Payment/PaymentInfoRow'
+import { BridgeTosReminder } from '../BridgeTosReminder'
+import { useBridgeTosStatus } from '@/hooks/useBridgeTosStatus'
 import { useMemo } from 'react'
 import { formatDate } from '@/utils/general.utils'
 import { CountryRegionRow } from '../CountryRegionRow'
@@ -21,6 +23,8 @@ export const KycCompleted = ({
     countryCode?: string | null
     isBridge?: boolean
 }) => {
+    const { needsBridgeTos } = useBridgeTosStatus()
+
     const verifiedOn = useMemo(() => {
         if (!bridgeKycApprovedAt) return 'N/A'
         try {
@@ -34,6 +38,7 @@ export const KycCompleted = ({
     return (
         <div className="space-y-4">
             <KYCStatusDrawerItem status="completed" />
+            {needsBridgeTos && <BridgeTosReminder />}
             <Card position="single">
                 <PaymentInfoRow label="Verified on" value={verifiedOn} />
                 <CountryRegionRow countryCode={countryCode} isBridge={isBridge} />
diff --git a/src/components/Kyc/states/KycFailed.tsx b/src/components/Kyc/states/KycFailed.tsx
index 6c7a45fe6..991ff9a3f 100644
--- a/src/components/Kyc/states/KycFailed.tsx
+++ b/src/components/Kyc/states/KycFailed.tsx
@@ -1,47 +1,64 @@
 import { Button } from '@/components/0_Bruddle/Button'
 import { PaymentInfoRow } from '@/components/Payment/PaymentInfoRow'
 import { KYCStatusDrawerItem } from '../KYCStatusDrawerItem'
+import { RejectLabelsList } from '../RejectLabelsList'
 import Card from '@/components/Global/Card'
+import InfoCard from '@/components/Global/InfoCard'
 import { useMemo } from 'react'
 import { formatDate } from '@/utils/general.utils'
 import { CountryRegionRow } from '../CountryRegionRow'
+import { isTerminalRejection } from '@/constants/sumsub-reject-labels.consts'
+import { useModalsContext } from '@/context/ModalsContext'
 
 // this component shows the kyc status when it's failed/rejected.
-// it displays the reason for the failure and provides a retry button.
+// for sumsub: maps reject labels to human-readable reasons, handles terminal vs retryable states.
+// for bridge: shows raw reason string as before.
 export const KycFailed = ({
-    reason,
+    rejectLabels,
+    bridgeReason,
+    isSumsub,
+    rejectType,
+    failureCount,
     bridgeKycRejectedAt,
     countryCode,
     isBridge,
     onRetry,
     isLoading,
 }: {
-    reason: string | null
+    rejectLabels?: string[] | null
+    bridgeReason?: string | null
+    isSumsub?: boolean
+    rejectType?: 'RETRY' | 'FINAL' | null
+    failureCount?: number
     bridgeKycRejectedAt?: string
     countryCode?: string | null
     isBridge?: boolean
     onRetry: () => void
     isLoading?: boolean
 }) => {
+    const { setIsSupportModalOpen } = useModalsContext()
+
     const rejectedOn = useMemo(() => {
         if (!bridgeKycRejectedAt) return 'N/A'
         try {
             return formatDate(new Date(bridgeKycRejectedAt))
         } catch (error) {
-            console.error('Failed to parse bridgeKycRejectedAt date:', error)
+            console.error('failed to parse bridgeKycRejectedAt date:', error)
             return 'N/A'
         }
     }, [bridgeKycRejectedAt])
 
-    const formattedReason = useMemo(() => {
-        const reasonText = reason || 'There was an issue. Contact Support.'
-        // Split by actual newline characters (\n) or the escaped sequence (\\n)
-        const lines = reasonText.split(/\\n|\n/).filter((line) => line.trim() !== '')
-
-        if (lines.length === 1) {
-            return reasonText
-        }
+    // only sumsub verifications can be terminal — bridge rejections always allow retry
+    const isTerminal = useMemo(
+        () => (isSumsub ? isTerminalRejection({ rejectType, failureCount, rejectLabels }) : false),
+        [isSumsub, rejectType, failureCount, rejectLabels]
+    )
 
+    // formatted bridge reason (legacy display)
+    const formattedBridgeReason = useMemo(() => {
+        const reasonText = bridgeReason || 'There was an issue. Contact Support.'
+        const lines = reasonText.split(/\\n|\n/).filter((line) => line.trim() !== '')
+        if (lines.length === 1) return reasonText
         return (
             <ul className="list-disc space-y-1 pl-4">
                 {lines.map((line, index) => (
@@ -49,28 +66,49 @@ export const KycFailed = ({
                 ))}
             </ul>
         )
-    }, [reason])
+    }, [bridgeReason])
 
     return (
         <div className="space-y-4">
             <KYCStatusDrawerItem status="failed" />
+
             <Card position="single">
                 <PaymentInfoRow label="Rejected on" value={rejectedOn} />
-
                 <CountryRegionRow countryCode={countryCode} isBridge={isBridge} />
-
-                <PaymentInfoRow label="Reason" value={formattedReason} hideBottomBorder />
+                {!isSumsub && <PaymentInfoRow label="Reason" value={formattedBridgeReason} hideBottomBorder />}
             </Card>
-            <Button
-                icon="retry"
-                variant="purple"
-                className="w-full"
-                shadowSize="4"
-                onClick={onRetry}
-                disabled={isLoading}
-            >
-                {isLoading ? 'Loading...' : 'Retry verification'}
-            </Button>
+
+            {isSumsub && <RejectLabelsList rejectLabels={rejectLabels} />}
+
+            {isTerminal ? (
+                <div className="space-y-3">
+                    <InfoCard
+                        variant="error"
+                        icon="lock"
+                        description="Your verification cannot be retried. Please contact support for help."
+                    />
+                    {/* TODO: auto-create crisp support ticket on terminal rejection */}
+                    <Button
+                        variant="purple"
+                        className="w-full"
+                        shadowSize="4"
+                        onClick={() => setIsSupportModalOpen(true)}
+                    >
+                        Contact support
+                    </Button>
+                </div>
+            ) : (
+                <Button
+                    icon="retry"
+                    variant="purple"
+                    className="w-full"
+                    shadowSize="4"
+                    onClick={onRetry}
+                    disabled={isLoading}
+                >
+                    {isLoading ? 'Loading...' : 'Retry verification'}
+                </Button>
+            )}
         </div>
     )
 }
diff --git a/src/components/Kyc/states/KycRequiresDocuments.tsx b/src/components/Kyc/states/KycRequiresDocuments.tsx
new file mode 100644
index 000000000..16407bcea
--- /dev/null
+++ b/src/components/Kyc/states/KycRequiresDocuments.tsx
@@ -0,0 +1,45 @@
+import { KYCStatusDrawerItem } from '../KYCStatusDrawerItem'
+import { Button } from '@/components/0_Bruddle/Button'
+import { getRequirementLabel } from '@/constants/bridge-requirements.consts'
+
+// shows when a payment provider (bridge) needs additional documents from the user.
+// displays the specific requirements with human-readable descriptions.
+export const KycRequiresDocuments = ({
+    requirements,
+    onSubmitDocuments,
+    isLoading,
+}: {
+    requirements: string[]
+    onSubmitDocuments: () => void
+    isLoading?: boolean
+}) => {
+    return (
+        <div className="space-y-4 p-1">
+            <KYCStatusDrawerItem status="pending" customText="Additional documents needed" />
+
+            <div className="space-y-3">
+                <p className="text-sm text-gray-1">Your payment provider requires additional verification documents.</p>
+                {requirements.length > 0 ? (
+                    requirements.map((req) => {
+                        const label = getRequirementLabel(req)
+                        return (
+                            <div key={req} className="border border-n-1 p-3">
+                                <p className="text-sm font-bold">{label.title}</p>
+                                <p className="mt-1 text-xs text-gray-1">{label.description}</p>
+                            </div>
+                        )
+                    })
+                ) : (
+                    <div className="border border-n-1 p-3">
+                        <p className="text-sm font-bold">Additional Document</p>
+                        <p className="mt-1 text-xs text-gray-1">Please provide the requested document.</p>
+                    </div>
+                )}
+            </div>
+
+            <Button icon="docs" className="w-full" shadowSize="4" onClick={onSubmitDocuments} disabled={isLoading}>
+                {isLoading ? 'Loading...' : 'Submit documents'}
+            </Button>
+        </div>
+    )
+}
diff --git a/src/components/Profile/components/IdentityVerificationCountryList.tsx b/src/components/Profile/components/IdentityVerificationCountryList.tsx
deleted file mode 100644
index 4146a8dad..000000000
--- a/src/components/Profile/components/IdentityVerificationCountryList.tsx
+++ /dev/null
@@ -1,154 +0,0 @@
-'use client'
-import { Icon } from '@/components/Global/Icons/Icon'
-import { SearchInput } from '@/components/SearchInput'
-import { getCountriesForRegion } from '@/utils/identityVerification'
-import { MantecaSupportedExchanges } from '@/components/AddMoney/consts'
-import StatusBadge from '@/components/Global/Badges/StatusBadge'
-import { Button } from '@/components/0_Bruddle/Button'
-import * as Accordion from '@radix-ui/react-accordion'
-import { useRouter } from 'next/navigation'
-import { useState } from 'react'
-import CountryListSection from './CountryListSection'
-import ActionModal from '@/components/Global/ActionModal'
-
-const IdentityVerificationCountryList = ({ region }: { region: string }) => {
-    const [searchTerm, setSearchTerm] = useState('')
-    const router = useRouter()
-    const [isUnavailableModalOpen, setIsUnavailableModalOpen] = useState(false)
-    const [selectedUnavailableCountry, setSelectedUnavailableCountry] = useState<string | null>(null)
-
-    const { supportedCountries, limitedAccessCountries, unsupportedCountries } = getCountriesForRegion(region)
-
-    // Filter both arrays based on search term
-    const filteredSupportedCountries = supportedCountries.filter((country) =>
-        country.title.toLowerCase().includes(searchTerm.toLowerCase())
-    )
-
-    const filteredLimitedAccessCountries = limitedAccessCountries.filter((country) =>
-        country.title.toLowerCase().includes(searchTerm.toLowerCase())
-    )
-
-    const filteredUnsupportedCountries = unsupportedCountries.filter((country) =>
-        country.title.toLowerCase().includes(searchTerm.toLowerCase())
-    )
-
-    const isLatam = region === 'latam'
-
-    return (
-        <div className="flex h-full w-full flex-1 flex-col justify-start gap-4">
-            <div className="space-y-2">
-                <SearchInput
-                    value={searchTerm}
-                    onChange={(e) => setSearchTerm(e.target.value)}
-                    onClear={() => setSearchTerm('')}
-                    placeholder="Search by country name"
-                />
-            </div>
-
-            <Accordion.Root
-                type="multiple"
-                defaultValue={['available-countries', 'limited-access']}
-                className="space-y-4"
-            >
-                <CountryListSection
-                    value="available-countries"
-                    title="Available countries in this region"
-                    description="Choose the one you want to move money on."
-                    countries={filteredSupportedCountries}
-                    onCountryClick={(country) => {
-                        if (isLatam) {
-                            router.push(`/profile/identity-verification/${region}/${encodeURIComponent(country.id)}`)
-                        } else {
-                            router.push(`/profile/identity-verification/${region}/${encodeURIComponent('bridge')}`)
-                        }
-                    }}
-                    rightContent={() => (isLatam ? undefined : <Icon name="check" className="size-4 text-success-1" />)}
-                    defaultOpen
-                />
-
-                <CountryListSection
-                    value="limited-access"
-                    title="Limited access"
-                    description="These countries support verification, but don't have full payment support yet."
-                    countries={filteredLimitedAccessCountries}
-                    onCountryClick={(country) => {
-                        // Check if country is in MantecaSupportedExchanges
-                        const countryCode = country.iso2?.toUpperCase()
-                        const isMantecaSupported =
-                            countryCode && Object.prototype.hasOwnProperty.call(MantecaSupportedExchanges, countryCode)
-
-                        if (isMantecaSupported && isLatam) {
-                            // Route to Manteca-specific KYC
-                            router.push(`/profile/identity-verification/${region}/${encodeURIComponent(country.id)}`)
-                        } else {
-                            // Route to Bridge KYC for all other countries
-                            router.push(`/profile/identity-verification/${region}/${encodeURIComponent('bridge')}`)
-                        }
-                    }}
-                    rightContent={() => (
-                        <div className="flex items-center gap-2">
-                            <StatusBadge status="custom" customText="Limited access" />
-                            <Button
-                                shadowSize="4"
-                                size="small"
-                                className="h-6 w-6 rounded-full p-0 shadow-[0.12rem_0.12rem_0_#000000]"
-                            >
-                                <div className="flex size-7 items-center justify-center">
-                                    <Icon name="chevron-up" className="h-9 rotate-90" />
-                                </div>
-                            </Button>
-                        </div>
-                    )}
-                    defaultOpen
-                />
-
-                {filteredUnsupportedCountries.length > 0 && (
-                    <CountryListSection
-                        value="unsupported-countries"
-                        title="Not available"
-                        description="Verification not supported in these countries yet."
-                        countries={filteredUnsupportedCountries}
-                        onCountryClick={(country) => {
-                            setSelectedUnavailableCountry(country.title)
-                            setIsUnavailableModalOpen(true)
-                        }}
-                        rightContent={() => (
-                            <div className="flex items-center gap-2">
-                                <StatusBadge
-                                    status="custom"
-                                    className="border border-error-2 bg-error-1 text-error"
-                                    customText="Unavailable"
-                                />
-                            </div>
-                        )}
-                        defaultOpen
-                    />
-                )}
-            </Accordion.Root>
-
-            <ActionModal
-                icon="alert"
-                iconContainerClassName="bg-secondary-1"
-                title={`Verification not available in ${selectedUnavailableCountry}`}
-                description="We're unable to verify users from this region at this time. If you have legal residence in another country, please select that instead."
-                visible={isUnavailableModalOpen}
-                onClose={() => {
-                    setSelectedUnavailableCountry(null)
-                    setIsUnavailableModalOpen(false)
-                }}
-                ctas={[
-                    {
-                        text: 'I Understand',
-                        shadowSize: '4',
-                        onClick: () => {
-                            setSelectedUnavailableCountry(null)
-                            setIsUnavailableModalOpen(false)
-                        },
-                    },
-                ]}
-            />
-        </div>
-    )
-}
-
-export default IdentityVerificationCountryList
diff --git a/src/components/Profile/views/IdentityVerification.view.tsx b/src/components/Profile/views/IdentityVerification.view.tsx
deleted file mode 100644
index 91c402a04..000000000
--- a/src/components/Profile/views/IdentityVerification.view.tsx
+++ /dev/null
@@ -1,243 +0,0 @@
-'use client'
-import { updateUserById } from '@/app/actions/users'
-import { Button } from '@/components/0_Bruddle/Button'
-import { countryData } from '@/components/AddMoney/consts'
-import { UserDetailsForm, type UserDetailsFormData } from '@/components/AddMoney/UserDetailsForm'
-import { CountryList } from '@/components/Common/CountryList'
-import ErrorAlert from '@/components/Global/ErrorAlert'
-import IframeWrapper from '@/components/Global/IframeWrapper'
-import NavHeader from '@/components/Global/NavHeader'
-import {
-    KycVerificationInProgressModal,
-    PeanutDoesntStoreAnyPersonalInformation,
-} from '@/components/Kyc/KycVerificationInProgressModal'
-import { MantecaGeoSpecificKycModal } from '@/components/Kyc/InitiateMantecaKYCModal'
-import { useAuth } from '@/context/authContext'
-import { useBridgeKycFlow } from '@/hooks/useBridgeKycFlow'
-import { useParams, useRouter } from 'next/navigation'
-import { useCallback, useEffect, useMemo, useRef, useState } from 'react'
-import useKycStatus from '@/hooks/useKycStatus'
-import { getRedirectUrl, clearRedirectUrl } from '@/utils/general.utils'
-import StartVerificationModal from '@/components/IdentityVerification/StartVerificationModal'
-import { useIdentityVerification } from '@/hooks/useIdentityVerification'
-
-const IdentityVerificationView = () => {
-    const router = useRouter()
-    const formRef = useRef<{ handleSubmit: () => void }>(null)
-    const [isUserDetailsFormValid, setIsUserDetailsFormValid] = useState(false)
-    const [isUpdatingUser, setIsUpdatingUser] = useState(false)
-    const [userUpdateError, setUserUpdateError] = useState<string | null>(null)
-    const [showUserDetailsForm, setShowUserDetailsForm] = useState(false)
-    const [isMantecaModalOpen, setIsMantecaModalOpen] = useState(false)
-    const [selectedCountry, setSelectedCountry] = useState<{ id: string; title: string } | null>(null)
-    const [userClickedCountry, setUserClickedCountry] = useState<{ id: string; title: string } | null>(null)
-    const { isUserBridgeKycApproved } = useKycStatus()
-    const { user, fetchUser } = useAuth()
-    const [isStartVerificationModalOpen, setIsStartVerificationModalOpen] = useState(false)
-    const params = useParams()
-    const countryParam = params.country as string
-    const { isMantecaSupportedCountry, isBridgeSupportedCountry } = useIdentityVerification()
-
-    const handleRedirect = () => {
-        const redirectUrl = getRedirectUrl()
-        if (redirectUrl) {
-            clearRedirectUrl()
-            router.push(redirectUrl)
-        } else {
-            router.push('/profile')
-        }
-    }
-
-    const handleBridgeKycSuccess = useCallback(async () => {
-        await fetchUser()
-        handleRedirect()
-    }, [])
-
-    const {
-        iframeOptions,
-        handleInitiateKyc,
-        isVerificationProgressModalOpen,
-        handleIframeClose,
-        closeVerificationProgressModal,
-        error: kycError,
-        isLoading: isKycLoading,
-    } = useBridgeKycFlow({
-        onKycSuccess: handleBridgeKycSuccess,
-    })
-
-    const initialUserDetails: Partial<UserDetailsFormData> = useMemo(
-        () => ({
-            fullName: user?.user.fullName ?? '',
-            email: user?.user.email ?? '',
-        }),
-        [user]
-    )
-
-    const handleUserDetailsSubmit = useCallback(
-        async (data: UserDetailsFormData) => {
-            setIsUpdatingUser(true)
-            setUserUpdateError(null)
-            try {
-                if (!user?.user.userId) throw new Error('User not found')
-                const result = await updateUserById({
-                    userId: user.user.userId,
-                    fullName: data.fullName,
-                    email: data.email,
-                })
-                if (result.error) {
-                    throw new Error(result.error)
-                }
-                await fetchUser()
-                await handleInitiateKyc()
-            } catch (error: any) {
-                setUserUpdateError(error.message)
-                return { error: error.message }
-            } finally {
-                setIsUpdatingUser(false)
-            }
-            return {}
-        },
-        [user]
-    )
-
-    const handleBack = useCallback(() => {
-        if (showUserDetailsForm) {
-            setShowUserDetailsForm(false)
-        } else {
-            handleRedirect()
-        }
-    }, [showUserDetailsForm])
-
-    // Bridge country object for all bridge supported countries
-    const bridgeCountryObject = useMemo(
-        () => ({ title: 'Bridge', id: 'bridge', type: 'bridge', description: '', path: 'bridge' }),
-        []
-    )
-
-    // Memoized country lookup from URL param
-    const selectedCountryParams = useMemo(() => {
-        if (countryParam) {
-            const country = countryData.find((country) => country.id.toUpperCase() === countryParam.toUpperCase())
-            if (country) {
-                return country
-            } else {
-                return bridgeCountryObject
-            }
-        }
-        return null
-    }, [countryParam, bridgeCountryObject])
-
-    // Skip country selection if coming from a supported bridge country
-    useEffect(() => {
-        if (selectedCountryParams && (isBridgeSupportedCountry(countryParam) || countryParam === 'bridge')) {
-            setUserClickedCountry({ title: selectedCountryParams.title, id: selectedCountryParams.id })
-            setIsStartVerificationModalOpen(true)
-        }
-    }, [countryParam, isBridgeSupportedCountry, selectedCountryParams])
-
-    useEffect(() => {
-        return () => {
-            setIsStartVerificationModalOpen(false)
-        }
-    }, [])
-
-    return (
-        <div className="flex min-h-[inherit] flex-col space-y-8">
-            <NavHeader title="Identity Verification" onPrev={handleBack} />
-
-            {showUserDetailsForm ? (
-                <div className="my-auto pt-[25%]">
-                    <h1 className="mb-3 font-bold">Provide information to begin verification</h1>
-
-                    <UserDetailsForm
-                        ref={formRef}
-                        onSubmit={handleUserDetailsSubmit}
-                        isSubmitting={isUpdatingUser}
-                        onValidChange={setIsUserDetailsFormValid}
-                        initialData={initialUserDetails}
-                    />
-
-                    <Button
-                        onClick={() => formRef.current?.handleSubmit()}
-                        loading={isUpdatingUser || isKycLoading}
-                        variant="purple"
-                        shadowSize="4"
-                        className="mt-3 w-full"
-                        disabled={!isUserDetailsFormValid || isUpdatingUser || isKycLoading}
-                        icon="check-circle"
-                    >
-                        Verify now
-                    </Button>
-
-                    <PeanutDoesntStoreAnyPersonalInformation className="mt-3 w-full justify-center" />
-
-                    {(userUpdateError || kycError) && <ErrorAlert description={userUpdateError ?? kycError ?? ''} />}
-
-                    <IframeWrapper {...iframeOptions} onClose={handleIframeClose} />
-
-                    <KycVerificationInProgressModal
-                        isOpen={isVerificationProgressModalOpen}
-                        onClose={() => {
-                            closeVerificationProgressModal()
-                            handleRedirect()
-                        }}
-                    />
-                </div>
-            ) : (
-                <div className="my-auto">
-                    <CountryList
-                        inputTitle="Which country issued your ID?"
-                        inputDescription="Select a country where you have a valid ID to verify."
-                        viewMode="general-verification"
-                        onCountryClick={(country) => {
-                            const { id, title } = country
-                            setUserClickedCountry({ id, title })
-                            setIsStartVerificationModalOpen(true)
-                        }}
-                        showLoadingState={false} // we don't want to show loading state when clicking a country, here because there is no async operation when clicking a country
-                    />
-                </div>
-            )}
-
-            {selectedCountry && (
-                <MantecaGeoSpecificKycModal
-                    isUserBridgeKycApproved={isUserBridgeKycApproved}
-                    selectedCountry={selectedCountry}
-                    setIsMantecaModalOpen={setIsMantecaModalOpen}
-                    isMantecaModalOpen={isMantecaModalOpen}
-                    onKycSuccess={handleRedirect}
-                />
-            )}
-
-            {userClickedCountry && selectedCountryParams && (
-                <StartVerificationModal
-                    visible={isStartVerificationModalOpen}
-                    onClose={() => {
-                        // we dont show ID issuer country list for bridge countries
-                        if (
-                            isBridgeSupportedCountry(selectedCountryParams.id) ||
-                            selectedCountryParams.id === 'bridge'
-                        ) {
-                            handleRedirect()
-                        } else {
-                            setIsStartVerificationModalOpen(false)
-                        }
-                    }}
-                    onStartVerification={() => {
-                        setIsStartVerificationModalOpen(false)
-                        if (isMantecaSupportedCountry(userClickedCountry.id)) {
-                            setSelectedCountry(userClickedCountry)
-                            setIsMantecaModalOpen(true)
-                        } else {
-                            setShowUserDetailsForm(true)
-                        }
-                    }}
-                    selectedIdentityCountry={userClickedCountry}
-                    selectedCountry={selectedCountryParams}
-                />
-            )}
-        </div>
-    )
-}
-
-export default IdentityVerificationView
diff --git a/src/components/Profile/views/RegionsPage.view.tsx b/src/components/Profile/views/RegionsPage.view.tsx
deleted file mode 100644
index af40c49c5..000000000
--- a/src/components/Profile/views/RegionsPage.view.tsx
+++ /dev/null
@@ -1,44 +0,0 @@
-'use client'
-
-import NavHeader from '@/components/Global/NavHeader'
-import { useIdentityVerification } from '@/hooks/useIdentityVerification'
-import { useRouter } from 'next/navigation'
-import IdentityVerificationCountryList from '../components/IdentityVerificationCountryList'
-import { Button } from '@/components/0_Bruddle/Button'
-
-const RegionsPage = ({ path }: { path: string }) => {
-    const router = useRouter()
-    const { lockedRegions } = useIdentityVerification()
-
-    const hideVerifyButtonPaths = ['latam', 'rest-of-the-world']
-
-    const region = lockedRegions.find((region) => region.path === path)
-
-    if (!region) {
-        return null
-    }
-
-    return (
-        <div className="relative h-[80vh]">
-            <div className="flex min-h-[inherit] flex-col space-y-8 pb-28">
-                <NavHeader title={region.name} onPrev={() => router.back()} />
-
-                <IdentityVerificationCountryList region={region.path} />
-            </div>
-            {!hideVerifyButtonPaths.includes(region.path) && (
-                <div className="sticky bottom-4 flex justify-center">
-                    <Button
-                        onClick={() => router.push(`/profile/identity-verification/${region.path}/bridge`)}
-                        variant="purple"
-                        shadowSize="4"
-                        className="max-w-[280px]"
-                    >
-                        Verify to unlock
-                    </Button>
-                </div>
-            )}
-        </div>
-    )
-}
-
-export default RegionsPage
diff --git a/src/components/Profile/views/RegionsVerification.view.tsx b/src/components/Profile/views/RegionsVerification.view.tsx
index 9323f71be..1a48238eb 100644
--- a/src/components/Profile/views/RegionsVerification.view.tsx
+++ b/src/components/Profile/views/RegionsVerification.view.tsx
@@ -5,13 +5,140 @@ import { getCardPosition } from '@/components/Global/Card/card.utils'
 import EmptyState from '@/components/Global/EmptyStates/EmptyState'
 import { Icon } from '@/components/Global/Icons/Icon'
 import NavHeader from '@/components/Global/NavHeader'
-import { useIdentityVerification, type Region } from '@/hooks/useIdentityVerification'
+import StartVerificationModal from '@/components/IdentityVerification/StartVerificationModal'
+import { SumsubKycWrapper } from '@/components/Kyc/SumsubKycWrapper'
+import { KycVerificationInProgressModal } from '@/components/Kyc/KycVerificationInProgressModal'
+import { KycProcessingModal } from '@/components/Kyc/modals/KycProcessingModal'
+import { KycActionRequiredModal } from '@/components/Kyc/modals/KycActionRequiredModal'
+import { KycRejectedModal } from '@/components/Kyc/modals/KycRejectedModal'
+import { BridgeTosStep } from '@/components/Kyc/BridgeTosStep'
+import { useIdentityVerification, getRegionIntent, type Region } from '@/hooks/useIdentityVerification'
+import useUnifiedKycStatus from '@/hooks/useUnifiedKycStatus'
+import { useSumsubKycFlow } from '@/hooks/useSumsubKycFlow'
+import { useAuth } from '@/context/authContext'
 import Image from 'next/image'
 import { useRouter } from 'next/navigation'
+import { useState, useCallback, useRef, useMemo } from 'react'
+import { type KYCRegionIntent } from '@/app/actions/types/sumsub.types'
+
+type ModalVariant = 'start' | 'processing' | 'action_required' | 'rejected'
+
+// determine which modal to show based on sumsub status and clicked region intent
+function getModalVariant(
+    sumsubStatus: string | null,
+    clickedRegionIntent: KYCRegionIntent | undefined,
+    existingRegionIntent: string | null
+): ModalVariant {
+    // no verification or not started → start fresh
+    if (!sumsubStatus || sumsubStatus === 'NOT_STARTED') return 'start'
+
+    // different region intent → allow new verification
+    if (existingRegionIntent && clickedRegionIntent && clickedRegionIntent !== existingRegionIntent) return 'start'
+
+    switch (sumsubStatus) {
+        case 'PENDING':
+        case 'IN_REVIEW':
+            return 'processing'
+        case 'ACTION_REQUIRED':
+            return 'action_required'
+        case 'REJECTED':
+        case 'FAILED':
+            return 'rejected'
+        default:
+            return 'start'
+    }
+}
 
 const RegionsVerification = () => {
     const router = useRouter()
+    const { user, fetchUser } = useAuth()
     const { unlockedRegions, lockedRegions } = useIdentityVerification()
+    const { sumsubStatus, sumsubRejectLabels, sumsubRejectType, sumsubVerificationRegionIntent } = useUnifiedKycStatus()
+    const [selectedRegion, setSelectedRegion] = useState<Region | null>(null)
+    // keeps the region display stable during modal close animation
+    const displayRegionRef = useRef<Region | null>(null)
+    if (selectedRegion) displayRegionRef.current = selectedRegion
+    // persist region intent for the duration of the kyc session so token refresh
+    // and status checks use the correct template after the confirmation modal closes
+    const [activeRegionIntent, setActiveRegionIntent] = useState<KYCRegionIntent | undefined>(undefined)
+    const [showBridgeTos, setShowBridgeTos] = useState(false)
+    // skip StartVerificationView when re-submitting (user already consented)
+    const [autoStartSdk, setAutoStartSdk] = useState(false)
+
+    const sumsubFailureCount = useMemo(
+        () =>
+            user?.user?.kycVerifications?.filter((v) => v.provider === 'SUMSUB' && v.status === 'REJECTED').length ?? 0,
+        [user]
+    )
+
+    const clickedRegionIntent = selectedRegion ? getRegionIntent(selectedRegion.path) : undefined
+    const modalVariant = selectedRegion
+        ? getModalVariant(sumsubStatus, clickedRegionIntent, sumsubVerificationRegionIntent)
+        : null
+
+    const handleFinalKycSuccess = useCallback(() => {
+        setSelectedRegion(null)
+        setActiveRegionIntent(undefined)
+        setShowBridgeTos(false)
+        setAutoStartSdk(false)
+    }, [])
+
+    // intercept sumsub approval to check for bridge ToS
+    const handleKycApproved = useCallback(async () => {
+        const updatedUser = await fetchUser()
+        const rails = updatedUser?.rails ?? []
+        const bridgeNeedsTos = rails.some(
+            (r) => r.rail.provider.code === 'BRIDGE' && r.status === 'REQUIRES_INFORMATION'
+        )
+
+        if (bridgeNeedsTos) {
+            setShowBridgeTos(true)
+        } else {
+            handleFinalKycSuccess()
+        }
+    }, [fetchUser, handleFinalKycSuccess])
+
+    const {
+        isLoading,
+        error,
+        showWrapper,
+        accessToken,
+        handleInitiateKyc,
+        handleSdkComplete,
+        handleClose: handleSumsubClose,
+        refreshToken,
+        isVerificationProgressModalOpen,
+        closeVerificationProgressModal,
+    } = useSumsubKycFlow({
+        regionIntent: activeRegionIntent,
+        onKycSuccess: handleKycApproved,
+        onManualClose: () => {
+            setSelectedRegion(null)
+            setActiveRegionIntent(undefined)
+            setAutoStartSdk(false)
+        },
+    })
+
+    const handleRegionClick = useCallback((region: Region) => {
+        setSelectedRegion(region)
+    }, [])
+
+    const handleModalClose = useCallback(() => {
+        setSelectedRegion(null)
+    }, [])
+
+    const handleStartKyc = useCallback(async () => {
+        const intent = selectedRegion ? getRegionIntent(selectedRegion.path) : undefined
+        if (intent) setActiveRegionIntent(intent)
+        setSelectedRegion(null)
+        await handleInitiateKyc(intent)
+    }, [handleInitiateKyc, selectedRegion])
+
+    // re-submission: skip StartVerificationView since user already consented
+    const handleResubmitKyc = useCallback(async () => {
+        setAutoStartSdk(true)
+        await handleStartKyc()
+    }, [handleStartKyc])
 
     return (
         <div className="flex min-h-[inherit] flex-col space-y-8">
@@ -37,11 +164,61 @@ const RegionsVerification = () => {
 
                 <RegionsList regions={unlockedRegions} isLocked={false} />
 
-                <h1 className="mt-5 font-bold">Locked regions</h1>
-                <p className="mt-2 text-sm">Where do you want to send and receive money?</p>
+                {lockedRegions.length > 0 && (
+                    <>
+                        <h1 className="mt-5 font-bold">Locked regions</h1>
+                        <p className="mt-2 text-sm">Where do you want to send and receive money?</p>
 
-                <RegionsList regions={lockedRegions} isLocked={true} />
+                        <RegionsList regions={lockedRegions} isLocked={true} onRegionClick={handleRegionClick} />
+                    </>
+                )}
             </div>
+
+            <StartVerificationModal
+                visible={modalVariant === 'start'}
+                onClose={handleModalClose}
+                onStartVerification={handleStartKyc}
+                selectedRegion={displayRegionRef.current}
+                isLoading={isLoading}
+            />
+
+            <KycProcessingModal visible={modalVariant === 'processing'} onClose={handleModalClose} />
+
+            <KycActionRequiredModal
+                visible={modalVariant === 'action_required'}
+                onClose={handleModalClose}
+                onResubmit={handleResubmitKyc}
+                isLoading={isLoading}
+                rejectLabels={sumsubRejectLabels}
+            />
+
+            <KycRejectedModal
+                visible={modalVariant === 'rejected'}
+                onClose={handleModalClose}
+                onRetry={handleResubmitKyc}
+                isLoading={isLoading}
+                rejectLabels={sumsubRejectLabels}
+                rejectType={sumsubRejectType}
+                failureCount={sumsubFailureCount}
+            />
+
+            {error && <p className="text-red-500 mt-2 text-sm">{error}</p>}
+
+            <SumsubKycWrapper
+                visible={showWrapper}
+                accessToken={accessToken}
+                onClose={handleSumsubClose}
+                onComplete={handleSdkComplete}
+                onRefreshToken={refreshToken}
+                autoStart={autoStartSdk}
+            />
+
+            <KycVerificationInProgressModal
+                isOpen={isVerificationProgressModalOpen}
+                onClose={closeVerificationProgressModal}
+            />
+
+            <BridgeTosStep visible={showBridgeTos} onComplete={handleFinalKycSuccess} onSkip={handleFinalKycSuccess} />
         </div>
     )
 }
@@ -51,9 +228,9 @@ export default RegionsVerification
 interface RegionsListProps {
     regions: Region[]
     isLocked: boolean
+    onRegionClick?: (region: Region) => void
 }
-const RegionsList = ({ regions, isLocked }: RegionsListProps) => {
-    const router = useRouter()
+const RegionsList = ({ regions, isLocked, onRegionClick }: RegionsListProps) => {
     return (
         <div className="mt-3">
             {regions.map((region, index) => (
@@ -71,8 +248,8 @@ const RegionsList = ({ regions, isLocked }: RegionsListProps) => {
                     position={getCardPosition(index, regions.length)}
                     title={region.name}
                     onClick={() => {
-                        if (isLocked) {
-                            router.push(`/profile/identity-verification/${region.path}`)
+                        if (isLocked && onRegionClick) {
+                            onRegionClick(region)
                         }
                     }}
                     isDisabled={!isLocked}
diff --git a/src/constants/bridge-requirements.consts.ts b/src/constants/bridge-requirements.consts.ts
new file mode 100644
index 000000000..d50ae2868
--- /dev/null
+++ b/src/constants/bridge-requirements.consts.ts
@@ -0,0 +1,41 @@
+interface RequirementLabelInfo {
+    title: string
+    description: string
+}
+
+// map of bridge additional_requirements to user-friendly labels
+const BRIDGE_REQUIREMENT_LABELS: Record<string, RequirementLabelInfo> = {
+    proof_of_address: {
+        title: 'Proof of Address',
+        description:
+            'Upload a utility bill, bank statement, or government letter showing your current address (dated within 3 months).',
+    },
+    additional_identity_document: {
+        title: 'Additional Identity Document',
+        description: 'Upload an additional government-issued ID document.',
+    },
+    proof_of_source_of_funds: {
+        title: 'Proof of Source of Funds',
+        description: 'Upload documentation showing the origin of your funds (e.g. pay stub, tax return).',
+    },
+    proof_of_tax_identification: {
+        title: 'Tax Identification',
+        description: 'Upload a document showing your tax identification number.',
+    },
+}
+
+const FALLBACK_LABEL: RequirementLabelInfo = {
+    title: 'Additional Document',
+    description: 'Please provide the requested document.',
+}
+
+/** get human-readable label for a bridge additional requirement */
+export function getRequirementLabel(requirement: string): RequirementLabelInfo {
+    return (
+        BRIDGE_REQUIREMENT_LABELS[requirement] ?? {
+            // auto-format unknown requirement codes as title case
+            title: requirement.replace(/_/g, ' ').replace(/\b\w/g, (c) => c.toUpperCase()),
+            description: FALLBACK_LABEL.description,
+        }
+    )
+}
diff --git a/src/constants/kyc.consts.ts b/src/constants/kyc.consts.ts
new file mode 100644
index 000000000..f8fc5d507
--- /dev/null
+++ b/src/constants/kyc.consts.ts
@@ -0,0 +1,59 @@
+import { type SumsubKycStatus } from '@/app/actions/types/sumsub.types'
+import { type MantecaKycStatus } from '@/interfaces'
+
+/**
+ * unified kyc status type across all providers.
+ * bridge uses lowercase strings, manteca uses its own enum, sumsub uses uppercase.
+ */
+export type KycVerificationStatus = MantecaKycStatus | SumsubKycStatus | string
+
+export type KycStatusCategory = 'completed' | 'processing' | 'failed' | 'action_required'
+
+// sets of status values by category — single source of truth
+const APPROVED_STATUSES: ReadonlySet<string> = new Set(['approved', 'ACTIVE', 'APPROVED'])
+const FAILED_STATUSES: ReadonlySet<string> = new Set(['rejected', 'INACTIVE', 'REJECTED'])
+const PENDING_STATUSES: ReadonlySet<string> = new Set([
+    'under_review',
+    'incomplete',
+    'ONBOARDING',
+    'PENDING',
+    'IN_REVIEW',
+])
+const ACTION_REQUIRED_STATUSES: ReadonlySet<string> = new Set(['ACTION_REQUIRED'])
+const NOT_STARTED_STATUSES: ReadonlySet<string> = new Set(['not_started', 'NOT_STARTED'])
+
+// sumsub-specific set for flow-level gating (e.g. useQrKycGate blocks payments).
+// ACTION_REQUIRED is intentionally included here — user hasn't completed verification
+// yet, so they should still be gated from features that require approved kyc.
+const SUMSUB_IN_PROGRESS_STATUSES: ReadonlySet<string> = new Set(['PENDING', 'IN_REVIEW', 'ACTION_REQUIRED'])
+
+/** check if a kyc status represents an approved/completed state */
+export const isKycStatusApproved = (status: string | undefined | null): boolean =>
+    !!status && APPROVED_STATUSES.has(status)
+
+/** check if a kyc status represents a failed/rejected state */
+export const isKycStatusFailed = (status: string | undefined | null): boolean => !!status && FAILED_STATUSES.has(status)
+
+/** check if a kyc status represents a pending/in-review state */
+export const isKycStatusPending = (status: string | undefined | null): boolean =>
+    !!status && PENDING_STATUSES.has(status)
+
+/** check if a kyc status represents an action-required state */
+export const isKycStatusActionRequired = (status: string | undefined | null): boolean =>
+    !!status && ACTION_REQUIRED_STATUSES.has(status)
+
+/** check if a kyc status means "not started" (should not render status ui) */
+export const isKycStatusNotStarted = (status: string | undefined | null): boolean =>
+    !status || NOT_STARTED_STATUSES.has(status)
+
+/** check if a sumsub status means verification is in progress */
+export const isSumsubStatusInProgress = (status: string | undefined | null): boolean =>
+    !!status && SUMSUB_IN_PROGRESS_STATUSES.has(status)
+
+/** categorize any provider's kyc status into a display category */
+export const getKycStatusCategory = (status: string): KycStatusCategory => {
+    if (APPROVED_STATUSES.has(status)) return 'completed'
+    if (FAILED_STATUSES.has(status)) return 'failed'
+    if (ACTION_REQUIRED_STATUSES.has(status)) return 'action_required'
+    return 'processing'
+}
diff --git a/src/constants/sumsub-reject-labels.consts.ts b/src/constants/sumsub-reject-labels.consts.ts
new file mode 100644
index 000000000..ab641bd76
--- /dev/null
+++ b/src/constants/sumsub-reject-labels.consts.ts
@@ -0,0 +1,101 @@
+interface RejectLabelInfo {
+    title: string
+    description: string
+}
+
+// map of sumsub reject labels to user-friendly descriptions
+const REJECT_LABEL_MAP: Record<string, RejectLabelInfo> = {
+    DOCUMENT_BAD_QUALITY: {
+        title: 'Low quality document',
+        description: 'The document image was blurry, dark, or hard to read. Please upload a clearer photo.',
+    },
+    DOCUMENT_DAMAGED: {
+        title: 'Damaged document',
+        description: 'The document appears damaged or worn. Please use a document in good condition.',
+    },
+    DOCUMENT_INCOMPLETE: {
+        title: 'Incomplete document',
+        description: 'Part of the document was cut off or missing. Make sure the full document is visible.',
+    },
+    DOCUMENT_MISSING: {
+        title: 'Missing document',
+        description: 'A required document was not provided. Please upload all requested documents.',
+    },
+    DOCUMENT_EXPIRED: {
+        title: 'Expired document',
+        description: 'The document has expired. Please use a valid, non-expired document.',
+    },
+    SELFIE_MISMATCH: {
+        title: 'Selfie does not match',
+        description: 'The selfie did not match the photo on your document. Please try again with a clear selfie.',
+    },
+    SELFIE_BAD_QUALITY: {
+        title: 'Low quality selfie',
+        description: 'The selfie was blurry or poorly lit. Please take a clear, well-lit selfie.',
+    },
+    SELFIE_SPOOFING: {
+        title: 'Selfie issue detected',
+        description: 'A live selfie is required. Do not use a photo of a photo or a screen.',
+    },
+    DOCUMENT_FAKE: {
+        title: 'Document could not be verified',
+        description: 'We were unable to verify the authenticity of your document.',
+    },
+    GRAPHIC_EDITOR_USAGE: {
+        title: 'Edited document detected',
+        description: 'The document appears to have been digitally altered.',
+    },
+    AGE_BELOW_ACCEPTED_LIMIT: {
+        title: 'Age requirement not met',
+        description: 'You must be at least 18 years old to use this service.',
+    },
+    UNSUPPORTED_DOCUMENT: {
+        title: 'Unsupported document type',
+        description: "This type of document is not accepted. Please use a passport, national ID, or driver's license.",
+    },
+    WRONG_DOCUMENT: {
+        title: 'Wrong document provided',
+        description: 'The uploaded document does not match what was requested. Please upload the correct document.',
+    },
+    REGULATIONS_VIOLATIONS: {
+        title: 'Regulatory restriction',
+        description: 'Verification could not be completed due to regulatory requirements.',
+    },
+}
+
+const FALLBACK_LABEL_INFO: RejectLabelInfo = {
+    title: 'Verification issue',
+    description: 'There was an issue with your verification. Please try again or contact support.',
+}
+
+// labels that indicate a permanent rejection — used as a frontend heuristic
+// until backend provides rejectType
+export const TERMINAL_REJECT_LABELS = new Set(['DOCUMENT_FAKE', 'GRAPHIC_EDITOR_USAGE', 'AGE_BELOW_ACCEPTED_LIMIT'])
+
+/** get human-readable info for a sumsub reject label, with a safe fallback */
+export const getRejectLabelInfo = (label: string): RejectLabelInfo => {
+    return REJECT_LABEL_MAP[label] ?? FALLBACK_LABEL_INFO
+}
+
+/** check if any of the reject labels indicate a terminal (permanent) rejection */
+export const hasTerminalRejectLabel = (labels: string[]): boolean => {
+    return labels.some((label) => TERMINAL_REJECT_LABELS.has(label))
+}
+
+const MAX_RETRY_COUNT = 2
+
+/** determine if a rejection is terminal (permanent, cannot be retried) */
+export const isTerminalRejection = ({
+    rejectType,
+    failureCount,
+    rejectLabels,
+}: {
+    rejectType?: 'RETRY' | 'FINAL' | null
+    failureCount?: number
+    rejectLabels?: string[] | null
+}): boolean => {
+    if (rejectType === 'FINAL') return true
+    if (failureCount && failureCount >= MAX_RETRY_COUNT) return true
+    if (rejectLabels?.length && hasTerminalRejectLabel(rejectLabels)) return true
+    return false
+}
diff --git a/src/features/limits/views/LimitsPageView.tsx b/src/features/limits/views/LimitsPageView.tsx
index 27c4ec23c..4ea063318 100644
--- a/src/features/limits/views/LimitsPageView.tsx
+++ b/src/features/limits/views/LimitsPageView.tsx
@@ -175,7 +175,7 @@ const LockedRegionsList = ({ regions, isBridgeKycPending }: LockedRegionsListPro
                         title={region.name}
                         onClick={() => {
                             if (!isPending) {
-                                router.push(`/profile/identity-verification/${region.path}`)
+                                router.push('/profile/identity-verification')
                             }
                         }}
                         isDisabled={isPending}
diff --git a/src/hooks/useBridgeTosStatus.ts b/src/hooks/useBridgeTosStatus.ts
new file mode 100644
index 000000000..46f8b86e5
--- /dev/null
+++ b/src/hooks/useBridgeTosStatus.ts
@@ -0,0 +1,17 @@
+import { useMemo } from 'react'
+import { useUserStore } from '@/redux/hooks'
+import { type IUserRail } from '@/interfaces'
+
+// derives bridge ToS status from the user's rails array
+export const useBridgeTosStatus = () => {
+    const { user } = useUserStore()
+
+    return useMemo(() => {
+        const rails: IUserRail[] = user?.rails ?? []
+        const bridgeRails = rails.filter((r) => r.rail.provider.code === 'BRIDGE')
+        const needsBridgeTos = bridgeRails.some((r) => r.status === 'REQUIRES_INFORMATION')
+        const isBridgeFullyEnabled = bridgeRails.length > 0 && bridgeRails.every((r) => r.status === 'ENABLED')
+
+        return { needsBridgeTos, isBridgeFullyEnabled, bridgeRails }
+    }, [user?.rails])
+}
diff --git a/src/hooks/useIdentityVerification.tsx b/src/hooks/useIdentityVerification.tsx
index 228722ac6..e3f396532 100644
--- a/src/hooks/useIdentityVerification.tsx
+++ b/src/hooks/useIdentityVerification.tsx
@@ -1,10 +1,12 @@
 import { EUROPE_GLOBE_ICON, LATAM_GLOBE_ICON, NORTH_AMERICA_GLOBE_ICON, REST_OF_WORLD_GLOBE_ICON } from '@/assets'
 import type { StaticImageData } from 'next/image'
 import useKycStatus from './useKycStatus'
+import useUnifiedKycStatus from './useUnifiedKycStatus'
 import { useMemo, useCallback } from 'react'
 import { useAuth } from '@/context/authContext'
 import { MantecaKycStatus } from '@/interfaces'
 import { BRIDGE_ALPHA3_TO_ALPHA2, MantecaSupportedExchanges, countryData } from '@/components/AddMoney/consts'
+import { type KYCRegionIntent } from '@/app/actions/types/sumsub.types'
 import React from 'react'
 
 /** Represents a geographic region with its display information */
@@ -75,6 +77,11 @@ const BRIDGE_SUPPORTED_LATAM_COUNTRIES: Region[] = [
     },
 ]
 
+/** maps a region path to the sumsub kyc template intent */
+export const getRegionIntent = (regionPath: string): KYCRegionIntent => {
+    return regionPath === 'latam' ? 'LATAM' : 'STANDARD'
+}
+
 /**
  * Hook for managing identity verification (KYC) status and region access.
  *
@@ -96,7 +103,8 @@ const BRIDGE_SUPPORTED_LATAM_COUNTRIES: Region[] = [
  */
 export const useIdentityVerification = () => {
     const { user } = useAuth()
-    const { isUserBridgeKycApproved, isUserMantecaKycApproved } = useKycStatus()
+    const { isUserBridgeKycApproved, isUserMantecaKycApproved, isUserSumsubKycApproved } = useKycStatus()
+    const { sumsubVerificationRegionIntent } = useUnifiedKycStatus()
 
     /**
      * Check if a country is supported by Manteca (LATAM countries).
@@ -149,9 +157,20 @@ export const useIdentityVerification = () => {
     const { lockedRegions, unlockedRegions } = useMemo(() => {
         const isBridgeApproved = isUserBridgeKycApproved
         const isMantecaApproved = isUserMantecaKycApproved
+        const isSumsubApproved = isUserSumsubKycApproved
 
-        // Helper to check if a region should be unlocked
+        // helper to check if a region should be unlocked
         const isRegionUnlocked = (regionName: string) => {
+            // sumsub approval scoped by the regionIntent used during verification.
+            // 'LATAM' intent → unlocks LATAM. 'STANDARD' intent → unlocks Bridge regions + rest of world.
+            // no intent (or rest-of-world) → unlocks rest of world only.
+            if (isSumsubApproved) {
+                if (sumsubVerificationRegionIntent === 'LATAM') {
+                    return MANTECA_SUPPORTED_REGIONS.includes(regionName) || regionName === 'Rest of the world'
+                }
+                // STANDARD intent covers bridge regions + rest of world
+                return BRIDGE_SUPPORTED_REGIONS.includes(regionName) || regionName === 'Rest of the world'
+            }
             return (
                 (isBridgeApproved && BRIDGE_SUPPORTED_REGIONS.includes(regionName)) ||
                 (isMantecaApproved && MANTECA_SUPPORTED_REGIONS.includes(regionName))
@@ -161,9 +180,9 @@ export const useIdentityVerification = () => {
         const unlocked = SUPPORTED_REGIONS.filter((region) => isRegionUnlocked(region.name))
         const locked = SUPPORTED_REGIONS.filter((region) => !isRegionUnlocked(region.name))
 
-        // Bridge users get QR payment access in Argentina & Brazil
-        // even without full Manteca KYC (which unlocks bank transfers too)
-        if (isBridgeApproved && !isMantecaApproved) {
+        // bridge users get qr payment access in argentina & brazil
+        // even without full manteca kyc (which unlocks bank transfers too)
+        if (isBridgeApproved && !isMantecaApproved && !isSumsubApproved) {
             unlocked.push(...MANTECA_QR_ONLY_REGIONS, ...BRIDGE_SUPPORTED_LATAM_COUNTRIES)
         }
 
@@ -171,7 +190,7 @@ export const useIdentityVerification = () => {
             lockedRegions: locked,
             unlockedRegions: unlocked,
         }
-    }, [isUserBridgeKycApproved, isUserMantecaKycApproved])
+    }, [isUserBridgeKycApproved, isUserMantecaKycApproved, isUserSumsubKycApproved, sumsubVerificationRegionIntent])
 
     /**
      * Check if a region is already unlocked by comparing region paths.
diff --git a/src/hooks/useKycStatus.tsx b/src/hooks/useKycStatus.tsx
index 0b6eb9c5f..36b2909f3 100644
--- a/src/hooks/useKycStatus.tsx
+++ b/src/hooks/useKycStatus.tsx
@@ -1,36 +1,20 @@
 'use client'
 
-import { useAuth } from '@/context/authContext'
-import { MantecaKycStatus } from '@/interfaces'
-import { useMemo } from 'react'
+import useUnifiedKycStatus from './useUnifiedKycStatus'
 
 /**
- * Used to get the user's KYC status for all providers - currently only bridge and manteca
- * NOTE: This hook can be extended to support more providers in the future based on requirements
- * @returns {object} An object with the user's KYC status for all providers and a combined status for all providers, if user is verified for any provider, return true
+ * thin wrapper around useUnifiedKycStatus for backward compatibility.
+ * existing consumers keep the same api shape.
  */
 export default function useKycStatus() {
-    const { user } = useAuth()
+    const { isBridgeApproved, isMantecaApproved, isSumsubApproved, isKycApproved, isBridgeUnderReview } =
+        useUnifiedKycStatus()
 
-    const isUserBridgeKycApproved = useMemo(() => user?.user.bridgeKycStatus === 'approved', [user])
-
-    const isUserMantecaKycApproved = useMemo(
-        () =>
-            user?.user.kycVerifications?.some((verification) => verification.status === MantecaKycStatus.ACTIVE) ??
-            false,
-        [user]
-    )
-
-    const isUserKycApproved = useMemo(
-        () => isUserBridgeKycApproved || isUserMantecaKycApproved,
-        [isUserBridgeKycApproved, isUserMantecaKycApproved]
-    )
-
-    const isUserBridgeKycUnderReview = useMemo(
-        // Bridge kyc status is incomplete/under_review when user has started the kyc process
-        () => user?.user.bridgeKycStatus === 'under_review' || user?.user.bridgeKycStatus === 'incomplete',
-        [user]
-    )
-
-    return { isUserBridgeKycApproved, isUserMantecaKycApproved, isUserKycApproved, isUserBridgeKycUnderReview }
+    return {
+        isUserBridgeKycApproved: isBridgeApproved,
+        isUserMantecaKycApproved: isMantecaApproved,
+        isUserSumsubKycApproved: isSumsubApproved,
+        isUserKycApproved: isKycApproved,
+        isUserBridgeKycUnderReview: isBridgeUnderReview,
+    }
 }
diff --git a/src/hooks/useQrKycGate.ts b/src/hooks/useQrKycGate.ts
index c025d3561..747ef0e78 100644
--- a/src/hooks/useQrKycGate.ts
+++ b/src/hooks/useQrKycGate.ts
@@ -3,7 +3,7 @@
 import { useCallback, useState, useEffect, useRef } from 'react'
 import { useAuth } from '@/context/authContext'
 import { MantecaKycStatus } from '@/interfaces'
-import { getBridgeCustomerCountry } from '@/app/actions/bridge/get-customer'
+import { isKycStatusApproved, isSumsubStatusInProgress } from '@/constants/kyc.consts'
 
 export enum QrKycState {
     LOADING = 'loading',
@@ -61,6 +61,16 @@ export function useQrKycGate(paymentProcessor?: 'MANTECA' | 'SIMPLEFI' | null):
             return
         }
 
+        // sumsub approved users (including foreign users) can proceed to qr pay.
+        // note: backend enforces per-rail access separately — frontend gate only checks identity verification.
+        const hasSumsubApproved = currentUser.kycVerifications?.some(
+            (v) => v.provider === 'SUMSUB' && isKycStatusApproved(v.status)
+        )
+        if (hasSumsubApproved) {
+            setKycGateState(QrKycState.PROCEED_TO_PAY)
+            return
+        }
+
         const mantecaKycs = currentUser.kycVerifications?.filter((v) => v.provider === 'MANTECA') ?? []
 
         const hasAnyMantecaKyc = mantecaKycs.length > 0
@@ -73,18 +83,8 @@ export function useQrKycGate(paymentProcessor?: 'MANTECA' | 'SIMPLEFI' | null):
             return
         }
 
-        if (currentUser.bridgeKycStatus === 'approved' && currentUser.bridgeCustomerId) {
-            try {
-                const { countryCode } = await getBridgeCustomerCountry(currentUser.bridgeCustomerId)
-                // if (countryCode && countryCode.toUpperCase() === 'AR') {
-                if (false) {
-                } else {
-                    setKycGateState(QrKycState.PROCEED_TO_PAY)
-                }
-            } catch {
-                // fail to require identity verification to avoid blocking pay due to rare outages
-                setKycGateState(QrKycState.REQUIRES_IDENTITY_VERIFICATION)
-            }
+        if (currentUser.bridgeKycStatus === 'approved') {
+            setKycGateState(QrKycState.PROCEED_TO_PAY)
             return
         }
 
@@ -100,6 +100,15 @@ export function useQrKycGate(paymentProcessor?: 'MANTECA' | 'SIMPLEFI' | null):
             return
         }
 
+        // sumsub verification in progress
+        const hasSumsubInProgress = currentUser.kycVerifications?.some(
+            (v) => v.provider === 'SUMSUB' && isSumsubStatusInProgress(v.status)
+        )
+        if (hasSumsubInProgress) {
+            setKycGateState(QrKycState.IDENTITY_VERIFICATION_IN_PROGRESS)
+            return
+        }
+
         setKycGateState(QrKycState.REQUIRES_IDENTITY_VERIFICATION)
     }, [user?.user, isFetchingUser, paymentProcessor, fetchUser])
 
diff --git a/src/hooks/useRailStatusTracking.ts b/src/hooks/useRailStatusTracking.ts
new file mode 100644
index 000000000..10d3588ad
--- /dev/null
+++ b/src/hooks/useRailStatusTracking.ts
@@ -0,0 +1,170 @@
+import { useState, useCallback, useRef, useEffect, useMemo } from 'react'
+import { useUserStore } from '@/redux/hooks'
+import { useAuth } from '@/context/authContext'
+import { useWebSocket } from '@/hooks/useWebSocket'
+import { type IUserRail, type ProviderDisplayStatus, type ProviderStatus } from '@/interfaces'
+import { type RailStatusUpdate } from '@/services/websocket'
+
+interface RailStatusTrackingResult {
+    providers: ProviderStatus[]
+    allSettled: boolean
+    needsBridgeTos: boolean
+    needsAdditionalDocs: boolean
+    startTracking: () => void
+    stopTracking: () => void
+}
+
+const POLL_INTERVAL_MS = 4000
+
+// human-readable labels for provider groups
+const PROVIDER_LABELS: Record<string, string> = {
+    BRIDGE: 'Bank transfers',
+    MANTECA: 'QR payments and bank transfers',
+}
+
+function deriveProviderDisplayName(providerCode: string, rails: IUserRail[]): string {
+    const base = PROVIDER_LABELS[providerCode] ?? providerCode
+    // add country context from rail methods
+    const countries = [...new Set(rails.map((r) => r.rail.method.country).filter(Boolean))]
+    if (countries.length > 0) {
+        return `${base} (${countries.join(', ')})`
+    }
+    return base
+}
+
+function deriveStatus(rail: IUserRail): ProviderDisplayStatus {
+    switch (rail.status) {
+        case 'ENABLED':
+            return 'enabled'
+        case 'REQUIRES_EXTRA_INFORMATION':
+            return 'requires_documents'
+        case 'REQUIRES_INFORMATION':
+            return 'requires_tos'
+        case 'FAILED':
+        case 'REJECTED':
+            return 'failed'
+        case 'PENDING':
+        default:
+            return 'setting_up'
+    }
+}
+
+// pick the "most advanced" status for a provider group
+function deriveGroupStatus(rails: IUserRail[]): ProviderDisplayStatus {
+    const statuses = rails.map(deriveStatus)
+    // priority: requires_documents > requires_tos > enabled > failed > setting_up
+    if (statuses.includes('requires_documents')) return 'requires_documents'
+    if (statuses.includes('requires_tos')) return 'requires_tos'
+    if (statuses.includes('enabled')) return 'enabled'
+    if (statuses.includes('failed')) return 'failed'
+    return 'setting_up'
+}
+
+export const useRailStatusTracking = (): RailStatusTrackingResult => {
+    const { user } = useUserStore()
+    const { fetchUser } = useAuth()
+    const [isTracking, setIsTracking] = useState(false)
+    const pollTimerRef = useRef<NodeJS.Timeout | null>(null)
+    const isMountedRef = useRef(true)
+
+    // listen for rail status WebSocket events
+    useWebSocket({
+        username: user?.user.username ?? undefined,
+        autoConnect: isTracking,
+        onRailStatusUpdate: useCallback(
+            (_data: RailStatusUpdate) => {
+                // refetch user to get updated rails from server
+                if (isTracking) {
+                    fetchUser()
+                }
+            },
+            [isTracking, fetchUser]
+        ),
+    })
+
+    // derive provider statuses from current rails
+    const providers = useMemo((): ProviderStatus[] => {
+        const rails: IUserRail[] = user?.rails ?? []
+        if (rails.length === 0) return []
+
+        // group by provider
+        const byProvider = new Map<string, IUserRail[]>()
+        for (const rail of rails) {
+            const code = rail.rail.provider.code
+            const list = byProvider.get(code) ?? []
+            list.push(rail)
+            byProvider.set(code, list)
+        }
+
+        return Array.from(byProvider.entries()).map(([code, providerRails]) => ({
+            providerCode: code,
+            displayName: deriveProviderDisplayName(code, providerRails),
+            status: deriveGroupStatus(providerRails),
+            rails: providerRails,
+        }))
+    }, [user?.rails])
+
+    const allSettled = useMemo(() => {
+        if (providers.length === 0) return false
+        return providers.every((p) => p.status !== 'setting_up')
+    }, [providers])
+
+    const needsBridgeTos = useMemo(() => {
+        return providers.some((p) => p.providerCode === 'BRIDGE' && p.status === 'requires_tos')
+    }, [providers])
+
+    const needsAdditionalDocs = useMemo(() => {
+        return providers.some((p) => p.status === 'requires_documents')
+    }, [providers])
+
+    // stop polling when all settled
+    useEffect(() => {
+        if (allSettled && isTracking) {
+            if (pollTimerRef.current) {
+                clearInterval(pollTimerRef.current)
+                pollTimerRef.current = null
+            }
+        }
+    }, [allSettled, isTracking])
+
+    const startTracking = useCallback(() => {
+        setIsTracking(true)
+
+        // start polling as fallback
+        if (pollTimerRef.current) clearInterval(pollTimerRef.current)
+        pollTimerRef.current = setInterval(() => {
+            if (isMountedRef.current) {
+                fetchUser()
+            }
+        }, POLL_INTERVAL_MS)
+    }, [fetchUser])
+
+    const stopTracking = useCallback(() => {
+        setIsTracking(false)
+        if (pollTimerRef.current) {
+            clearInterval(pollTimerRef.current)
+            pollTimerRef.current = null
+        }
+    }, [])
+
+    // cleanup on unmount
+    useEffect(() => {
+        isMountedRef.current = true
+        return () => {
+            isMountedRef.current = false
+            if (pollTimerRef.current) {
+                clearInterval(pollTimerRef.current)
+                pollTimerRef.current = null
+            }
+        }
+    }, [])
+
+    return {
+        providers,
+        allSettled,
+        needsBridgeTos,
+        needsAdditionalDocs,
+        startTracking,
+        stopTracking,
+    }
+}
diff --git a/src/hooks/useSumsubKycFlow.ts b/src/hooks/useSumsubKycFlow.ts
new file mode 100644
index 000000000..7ea320706
--- /dev/null
+++ b/src/hooks/useSumsubKycFlow.ts
@@ -0,0 +1,190 @@
+import { useState, useEffect, useRef, useCallback } from 'react'
+import { useRouter } from 'next/navigation'
+import { useWebSocket } from '@/hooks/useWebSocket'
+import { useUserStore } from '@/redux/hooks'
+import { initiateSumsubKyc } from '@/app/actions/sumsub'
+import { type KYCRegionIntent, type SumsubKycStatus } from '@/app/actions/types/sumsub.types'
+
+interface UseSumsubKycFlowOptions {
+    onKycSuccess?: () => void
+    onManualClose?: () => void
+    regionIntent?: KYCRegionIntent
+}
+
+export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }: UseSumsubKycFlowOptions = {}) => {
+    const { user } = useUserStore()
+    const router = useRouter()
+
+    const [accessToken, setAccessToken] = useState<string | null>(null)
+    const [showWrapper, setShowWrapper] = useState(false)
+    const [isLoading, setIsLoading] = useState(false)
+    const [error, setError] = useState<string | null>(null)
+    const [isVerificationProgressModalOpen, setIsVerificationProgressModalOpen] = useState(false)
+    const [liveKycStatus, setLiveKycStatus] = useState<SumsubKycStatus | undefined>(undefined)
+    const [rejectLabels, setRejectLabels] = useState<string[] | undefined>(undefined)
+    const prevStatusRef = useRef(liveKycStatus)
+    // tracks the effective region intent across initiate + refresh so the correct template is always used
+    const regionIntentRef = useRef<KYCRegionIntent | undefined>(regionIntent)
+    // tracks the level name across initiate + refresh (e.g. 'peanut-additional-docs')
+    const levelNameRef = useRef<string | undefined>(undefined)
+
+    useEffect(() => {
+        regionIntentRef.current = regionIntent
+    }, [regionIntent])
+
+    // listen for sumsub kyc status updates via websocket
+    useWebSocket({
+        username: user?.user.username ?? undefined,
+        autoConnect: true,
+        onSumsubKycStatusUpdate: (newStatus, newRejectLabels) => {
+            setLiveKycStatus(newStatus as SumsubKycStatus)
+            if (newRejectLabels) setRejectLabels(newRejectLabels)
+        },
+    })
+
+    // react to status transitions
+    useEffect(() => {
+        const prevStatus = prevStatusRef.current
+        prevStatusRef.current = liveKycStatus
+
+        if (prevStatus !== 'APPROVED' && liveKycStatus === 'APPROVED') {
+            onKycSuccess?.()
+        } else if (
+            liveKycStatus &&
+            liveKycStatus !== prevStatus &&
+            liveKycStatus !== 'APPROVED' &&
+            liveKycStatus !== 'PENDING'
+        ) {
+            // close modal for any non-success terminal state (REJECTED, ACTION_REQUIRED, FAILED, etc.)
+            setIsVerificationProgressModalOpen(false)
+        }
+    }, [liveKycStatus, onKycSuccess])
+
+    // fetch current status to recover from missed websocket events.
+    // skip when regionIntent is undefined to avoid creating an applicant with the wrong template
+    // (e.g. RegionsVerification mounts with no region selected yet).
+    useEffect(() => {
+        if (!regionIntent) return
+
+        const fetchCurrentStatus = async () => {
+            try {
+                const response = await initiateSumsubKyc({ regionIntent })
+                if (response.data?.status) {
+                    setLiveKycStatus(response.data.status)
+                }
+            } catch {
+                // silent failure - we just show the user an error when they try to initiate the kyc flow if the api call is failing
+            }
+        }
+
+        fetchCurrentStatus()
+    }, [regionIntent])
+
+    const handleInitiateKyc = useCallback(
+        async (overrideIntent?: KYCRegionIntent, levelName?: string) => {
+            setIsLoading(true)
+            setError(null)
+
+            try {
+                const response = await initiateSumsubKyc({
+                    regionIntent: overrideIntent ?? regionIntent,
+                    levelName,
+                })
+
+                if (response.error) {
+                    setError(response.error)
+                    return
+                }
+
+                // sync status from api response
+                if (response.data?.status) {
+                    setLiveKycStatus(response.data.status)
+                }
+
+                // update effective intent + level for token refresh
+                const effectiveIntent = overrideIntent ?? regionIntent
+                if (effectiveIntent) regionIntentRef.current = effectiveIntent
+                levelNameRef.current = levelName
+
+                // if already approved, no token is returned.
+                // set prevStatusRef so the transition effect doesn't fire onKycSuccess a second time.
+                if (response.data?.status === 'APPROVED') {
+                    prevStatusRef.current = 'APPROVED'
+                    onKycSuccess?.()
+                    return
+                }
+
+                if (response.data?.token) {
+                    setAccessToken(response.data.token)
+                    setShowWrapper(true)
+                } else {
+                    setError('Could not initiate verification. Please try again.')
+                }
+            } catch (e: unknown) {
+                const message = e instanceof Error ? e.message : 'An unexpected error occurred'
+                setError(message)
+            } finally {
+                setIsLoading(false)
+            }
+        },
+        [regionIntent, onKycSuccess]
+    )
+
+    // called when sdk signals applicant submitted
+    const handleSdkComplete = useCallback(() => {
+        setShowWrapper(false)
+        setIsVerificationProgressModalOpen(true)
+    }, [])
+
+    // called when user manually closes the sdk modal
+    const handleClose = useCallback(() => {
+        setShowWrapper(false)
+        onManualClose?.()
+    }, [onManualClose])
+
+    // token refresh function passed to the sdk for when the token expires.
+    // uses regionIntentRef + levelNameRef so refresh always matches the template used during initiation.
+    const refreshToken = useCallback(async (): Promise<string> => {
+        const response = await initiateSumsubKyc({
+            regionIntent: regionIntentRef.current,
+            levelName: levelNameRef.current,
+        })
+
+        if (response.error || !response.data?.token) {
+            throw new Error(response.error || 'Failed to refresh token')
+        }
+
+        setAccessToken(response.data.token)
+        return response.data.token
+    }, [])
+
+    const closeVerificationProgressModal = useCallback(() => {
+        setIsVerificationProgressModalOpen(false)
+    }, [])
+
+    const closeVerificationModalAndGoHome = useCallback(() => {
+        setIsVerificationProgressModalOpen(false)
+        router.push('/home')
+    }, [router])
+
+    const resetError = useCallback(() => {
+        setError(null)
+    }, [])
+
+    return {
+        isLoading,
+        error,
+        showWrapper,
+        accessToken,
+        liveKycStatus,
+        rejectLabels,
+        handleInitiateKyc,
+        handleSdkComplete,
+        handleClose,
+        refreshToken,
+        isVerificationProgressModalOpen,
+        closeVerificationProgressModal,
+        closeVerificationModalAndGoHome,
+        resetError,
+    }
+}
diff --git a/src/hooks/useUnifiedKycStatus.ts b/src/hooks/useUnifiedKycStatus.ts
new file mode 100644
index 000000000..bc5b410ae
--- /dev/null
+++ b/src/hooks/useUnifiedKycStatus.ts
@@ -0,0 +1,88 @@
+'use client'
+
+import { useAuth } from '@/context/authContext'
+import { MantecaKycStatus } from '@/interfaces'
+import { useMemo } from 'react'
+import { type SumsubKycStatus } from '@/app/actions/types/sumsub.types'
+import { isSumsubStatusInProgress } from '@/constants/kyc.consts'
+
+/**
+ * single source of truth for kyc status across all providers (bridge, manteca, sumsub).
+ * all kyc status checks should go through this hook.
+ */
+export default function useUnifiedKycStatus() {
+    const { user } = useAuth()
+
+    const isBridgeApproved = useMemo(() => user?.user.bridgeKycStatus === 'approved', [user])
+
+    const isMantecaApproved = useMemo(
+        () =>
+            user?.user.kycVerifications?.some(
+                (v) => v.provider === 'MANTECA' && v.status === MantecaKycStatus.ACTIVE
+            ) ?? false,
+        [user]
+    )
+
+    // pick the most recently updated sumsub verification in case of retries
+    const sumsubVerification = useMemo(
+        () =>
+            user?.user.kycVerifications
+                ?.filter((v) => v.provider === 'SUMSUB')
+                .sort((a, b) => new Date(b.updatedAt ?? 0).getTime() - new Date(a.updatedAt ?? 0).getTime())[0] ?? null,
+        [user]
+    )
+
+    const isSumsubApproved = useMemo(() => sumsubVerification?.status === 'APPROVED', [sumsubVerification])
+
+    const sumsubStatus = useMemo(() => (sumsubVerification?.status as SumsubKycStatus) ?? null, [sumsubVerification])
+
+    const sumsubRejectLabels = useMemo(() => sumsubVerification?.rejectLabels ?? null, [sumsubVerification])
+
+    const sumsubRejectType = useMemo(
+        () => (sumsubVerification?.rejectType as 'RETRY' | 'FINAL' | null) ?? null,
+        [sumsubVerification]
+    )
+
+    // region intent used during the sumsub verification (stored in metadata by initiate-kyc)
+    const sumsubVerificationRegionIntent = useMemo(
+        () => (sumsubVerification?.metadata?.regionIntent as string) ?? null,
+        [sumsubVerification]
+    )
+
+    const isKycApproved = useMemo(
+        () => isBridgeApproved || isMantecaApproved || isSumsubApproved,
+        [isBridgeApproved, isMantecaApproved, isSumsubApproved]
+    )
+
+    const isBridgeUnderReview = useMemo(
+        () => user?.user.bridgeKycStatus === 'under_review' || user?.user.bridgeKycStatus === 'incomplete',
+        [user]
+    )
+
+    const isSumsubActionRequired = useMemo(() => sumsubStatus === 'ACTION_REQUIRED', [sumsubStatus])
+
+    const isSumsubInProgress = useMemo(() => isSumsubStatusInProgress(sumsubStatus), [sumsubStatus])
+
+    const isKycInProgress = useMemo(
+        () => isBridgeUnderReview || isSumsubInProgress,
+        [isBridgeUnderReview, isSumsubInProgress]
+    )
+
+    return {
+        // combined
+        isKycApproved,
+        isKycInProgress,
+        // bridge
+        isBridgeApproved,
+        isBridgeUnderReview,
+        // manteca
+        isMantecaApproved,
+        // sumsub
+        isSumsubApproved,
+        isSumsubActionRequired,
+        sumsubStatus,
+        sumsubRejectLabels,
+        sumsubRejectType,
+        sumsubVerificationRegionIntent,
+    }
+}
diff --git a/src/hooks/useWebSocket.ts b/src/hooks/useWebSocket.ts
index 685adee39..94d435cdc 100644
--- a/src/hooks/useWebSocket.ts
+++ b/src/hooks/useWebSocket.ts
@@ -1,5 +1,5 @@
 import { useEffect, useState, useCallback, useRef } from 'react'
-import { PeanutWebSocket, getWebSocketInstance, type PendingPerk } from '@/services/websocket'
+import { PeanutWebSocket, getWebSocketInstance, type PendingPerk, type RailStatusUpdate } from '@/services/websocket'
 import { type HistoryEntry } from './useTransactionHistory'
 
 type WebSocketStatus = 'connecting' | 'connected' | 'disconnected' | 'error'
@@ -10,8 +10,10 @@ interface UseWebSocketOptions {
     onHistoryEntry?: (entry: HistoryEntry) => void
     onKycStatusUpdate?: (status: string) => void
     onMantecaKycStatusUpdate?: (status: string) => void
+    onSumsubKycStatusUpdate?: (status: string, rejectLabels?: string[]) => void
     onTosUpdate?: (data: { accepted: boolean }) => void
     onPendingPerk?: (perk: PendingPerk) => void
+    onRailStatusUpdate?: (data: RailStatusUpdate) => void
     onConnect?: () => void
     onDisconnect?: () => void
     onError?: (error: Event) => void
@@ -24,8 +26,10 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
         onHistoryEntry,
         onKycStatusUpdate,
         onMantecaKycStatusUpdate,
+        onSumsubKycStatusUpdate,
         onTosUpdate,
         onPendingPerk,
+        onRailStatusUpdate,
         onConnect,
         onDisconnect,
         onError,
@@ -39,8 +43,10 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
         onHistoryEntry,
         onKycStatusUpdate,
         onMantecaKycStatusUpdate,
+        onSumsubKycStatusUpdate,
         onTosUpdate,
         onPendingPerk,
+        onRailStatusUpdate,
         onConnect,
         onDisconnect,
         onError,
@@ -52,8 +58,10 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
             onHistoryEntry,
             onKycStatusUpdate,
             onMantecaKycStatusUpdate,
+            onSumsubKycStatusUpdate,
             onTosUpdate,
             onPendingPerk,
+            onRailStatusUpdate,
             onConnect,
             onDisconnect,
             onError,
@@ -62,8 +70,10 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
         onHistoryEntry,
         onKycStatusUpdate,
         onMantecaKycStatusUpdate,
+        onSumsubKycStatusUpdate,
         onTosUpdate,
         onPendingPerk,
+        onRailStatusUpdate,
         onConnect,
         onDisconnect,
         onError,
@@ -154,6 +164,14 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
             }
         }
 
+        const handleSumsubKycStatusUpdate = (data: { status: string; rejectLabels?: string[] }) => {
+            if (callbacksRef.current.onSumsubKycStatusUpdate) {
+                callbacksRef.current.onSumsubKycStatusUpdate(data.status, data.rejectLabels)
+            } else {
+                console.log(`[WebSocket] No onSumsubKycStatusUpdate callback registered for user: ${username}`)
+            }
+        }
+
         const handleTosUpdate = (data: { status: string }) => {
             if (callbacksRef.current.onTosUpdate) {
                 callbacksRef.current.onTosUpdate({ accepted: data.status === 'approved' })
@@ -168,6 +186,12 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
             }
         }
 
+        const handleRailStatusUpdate = (data: RailStatusUpdate) => {
+            if (callbacksRef.current.onRailStatusUpdate) {
+                callbacksRef.current.onRailStatusUpdate(data)
+            }
+        }
+
         // Register event handlers
         ws.on('connect', handleConnect)
         ws.on('disconnect', handleDisconnect)
@@ -175,8 +199,10 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
         ws.on('history_entry', handleHistoryEntry)
         ws.on('kyc_status_update', handleKycStatusUpdate)
         ws.on('manteca_kyc_status_update', handleMantecaKycStatusUpdate)
+        ws.on('sumsub_kyc_status_update', handleSumsubKycStatusUpdate)
         ws.on('persona_tos_status_update', handleTosUpdate)
         ws.on('pending_perk', handlePendingPerk)
+        ws.on('user_rail_status_changed', handleRailStatusUpdate)
 
         // Auto-connect if enabled
         if (autoConnect) {
@@ -191,8 +217,10 @@ export const useWebSocket = (options: UseWebSocketOptions = {}) => {
             ws.off('history_entry', handleHistoryEntry)
             ws.off('kyc_status_update', handleKycStatusUpdate)
             ws.off('manteca_kyc_status_update', handleMantecaKycStatusUpdate)
+            ws.off('sumsub_kyc_status_update', handleSumsubKycStatusUpdate)
             ws.off('persona_tos_status_update', handleTosUpdate)
             ws.off('pending_perk', handlePendingPerk)
+            ws.off('user_rail_status_changed', handleRailStatusUpdate)
         }
     }, [autoConnect, connect, username])
 
diff --git a/src/interfaces/interfaces.ts b/src/interfaces/interfaces.ts
index f121fc926..6ef8e0553 100644
--- a/src/interfaces/interfaces.ts
+++ b/src/interfaces/interfaces.ts
@@ -1,7 +1,21 @@
 import { interfaces as peanutInterfaces } from '@squirrel-labs/peanut-sdk'
+import { type SumsubKycStatus } from '@/app/actions/types/sumsub.types'
 
 export type RecipientType = 'address' | 'ens' | 'iban' | 'us' | 'username'
 
+// phases for the multi-phase kyc verification modal
+export type KycModalPhase = 'verifying' | 'preparing' | 'bridge_tos' | 'complete'
+
+// per-provider rail status for tracking after kyc approval
+export type ProviderDisplayStatus = 'setting_up' | 'requires_tos' | 'requires_documents' | 'enabled' | 'failed'
+
+export interface ProviderStatus {
+    providerCode: string
+    displayName: string
+    status: ProviderDisplayStatus
+    rails: IUserRail[]
+}
+
 // Moved here from bridge-accounts.utils.ts to avoid circular dependency
 export type BridgeKycStatus = 'not_started' | 'under_review' | 'approved' | 'rejected' | 'incomplete'
 
@@ -230,13 +244,17 @@ export enum MantecaKycStatus {
 }
 
 export interface IUserKycVerification {
-    provider: 'MANTECA' | 'BRIDGE'
+    provider: 'MANTECA' | 'BRIDGE' | 'SUMSUB'
     mantecaGeo?: string | null
     bridgeGeo?: string | null
-    status: MantecaKycStatus
+    status: MantecaKycStatus | SumsubKycStatus | string
     approvedAt?: string | null
     providerUserId?: string | null
     providerRawStatus?: string | null
+    sumsubApplicantId?: string | null
+    rejectLabels?: string[] | null
+    rejectType?: 'RETRY' | 'FINAL' | null
+    metadata?: { regionIntent?: string; [key: string]: unknown } | null
     createdAt: string
     updatedAt: string
 }
@@ -318,6 +336,26 @@ interface userInvites {
     inviteeUsername: string
 }
 
+export type UserRailStatus =
+    | 'PENDING'
+    | 'ENABLED'
+    | 'REQUIRES_INFORMATION'
+    | 'REQUIRES_EXTRA_INFORMATION'
+    | 'REJECTED'
+    | 'FAILED'
+
+export interface IUserRail {
+    id: string
+    railId: string
+    status: UserRailStatus
+    metadata?: { bridgeCustomerId?: string; additionalRequirements?: string[]; [key: string]: unknown } | null
+    rail: {
+        id: string
+        provider: { code: string; name: string }
+        method: { code: string; name: string; country: string; currency: string }
+    }
+}
+
 export interface IUserProfile {
     // OLD Points V1 fields removed - use pointsV2 in stats instead
     // Points V2: Use stats.pointsV2.totalPoints, pointsV2.inviteCount, etc.
@@ -328,6 +366,7 @@ export interface IUserProfile {
     totalPoints: number // Kept for backward compatibility - same as pointsV2.totalPoints
     hasPwaInstalled: boolean
     user: User
+    rails: IUserRail[]
     invitesSent: userInvites[]
     showEarlyUserModal: boolean
     invitedBy: string | null // Username of the person who invited this user
diff --git a/src/services/websocket.ts b/src/services/websocket.ts
index b49418771..8c64ec8e0 100644
--- a/src/services/websocket.ts
+++ b/src/services/websocket.ts
@@ -1,7 +1,12 @@
 import { type HistoryEntry } from '@/hooks/useTransactionHistory'
 import { type PendingPerk } from '@/services/perks'
 export type { PendingPerk }
-import { jsonStringify } from '@/utils/general.utils'
+
+export interface RailStatusUpdate {
+    railId: string
+    status: string
+    provider?: string
+}
 
 export type WebSocketMessage = {
     type:
@@ -10,9 +15,11 @@ export type WebSocketMessage = {
         | 'history_entry'
         | 'kyc_status_update'
         | 'manteca_kyc_status_update'
+        | 'sumsub_kyc_status_update'
         | 'persona_tos_status_update'
         | 'pending_perk'
-    data?: HistoryEntry | PendingPerk
+        | 'user_rail_status_changed'
+    data?: HistoryEntry | PendingPerk | RailStatusUpdate
 }
 
 export class PeanutWebSocket {
@@ -126,6 +133,12 @@ export class PeanutWebSocket {
                     }
                     break
 
+                case 'sumsub_kyc_status_update':
+                    if (message.data && 'status' in (message.data as object)) {
+                        this.emit('sumsub_kyc_status_update', message.data)
+                    }
+                    break
+
                 case 'persona_tos_status_update':
                     if (message.data && 'status' in (message.data as object)) {
                         this.emit('persona_tos_status_update', message.data)
@@ -138,6 +151,12 @@ export class PeanutWebSocket {
                     }
                     break
 
+                case 'user_rail_status_changed':
+                    if (message.data && 'railId' in (message.data as object)) {
+                        this.emit('user_rail_status_changed', message.data)
+                    }
+                    break
+
                 default:
                     // Handle other message types if needed
                     this.emit(message.type, message.data)
diff --git a/src/types/sumsub-websdk.d.ts b/src/types/sumsub-websdk.d.ts
new file mode 100644
index 000000000..4d6b7c5c7
--- /dev/null
+++ b/src/types/sumsub-websdk.d.ts
@@ -0,0 +1,27 @@
+// type declarations for sumsub websdk loaded via CDN script
+// https://static.sumsub.com/idensic/static/sns-websdk-builder.js
+
+declare global {
+    interface SnsWebSdkInstance {
+        launch(container: HTMLElement): void
+        destroy(): void
+    }
+
+    interface SnsWebSdkBuilderChain {
+        withConf(conf: { lang?: string; theme?: string }): SnsWebSdkBuilderChain
+        withOptions(opts: { addViewportTag?: boolean; adaptIframeHeight?: boolean }): SnsWebSdkBuilderChain
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any -- sumsub sdk event handlers have varying untyped signatures
+        on(event: string, handler: (...args: any[]) => void): SnsWebSdkBuilderChain
+        build(): SnsWebSdkInstance
+    }
+
+    interface SnsWebSdkBuilder {
+        init(token: string, refreshCallback: () => Promise<string>): SnsWebSdkBuilderChain
+    }
+
+    interface Window {
+        snsWebSdk: SnsWebSdkBuilder
+    }
+}
+
+export {}