The KYC Tier Decision Is Arithmetic, Not Identity

Reframing the question

Verification tier tends to get discussed as a privacy-versus-convenience question, which obscures that it's primarily a cost decision with a calculable answer.

The actual difference

Light KYC offers faster setup with lower limits at a 4% reload fee. Full KYC raises limits and drops the reload fee to 2.5%. The 1.5 percentage point gap is the whole variable.

Doing the arithmetic

Multiply expected monthly reload volume by 1.5% to get the monthly cost of remaining on the lighter tier. For low volumes that figure is trivial; for regular funding it becomes the dominant ongoing cost.

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