-- ============================================================ -- QUDINA FINTECH APP - COMPLETE DATABASE SCHEMA -- MySQL 8.0+ with InnoDB, UTF8MB4, proper indexing -- ============================================================ SET NAMES utf8mb4; SET FOREIGN_KEY_CHECKS = 0; -- ------------------------------------------------------------ -- 1. USERS TABLE (Core Authentication) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS users ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, first_name VARCHAR(100) NOT NULL, last_name VARCHAR(100) NOT NULL, email VARCHAR(255) NOT NULL UNIQUE, phone VARCHAR(20) NOT NULL UNIQUE, password_hash VARCHAR(255) NOT NULL, country_code VARCHAR(5) DEFAULT '+234', email_verified TINYINT(1) DEFAULT 0, phone_verified TINYINT(1) DEFAULT 0, kyc_status ENUM('unverified','pending','verified','rejected') DEFAULT 'unverified', kyc_level INT DEFAULT 0 COMMENT '0=none, 1=basic, 2=intermediate, 3=full', selfie_verified TINYINT(1) DEFAULT 0, trust_score INT DEFAULT 50 COMMENT '0-100 calculated trust score', status ENUM('active','suspended','inactive') DEFAULT 'active', created_at DATETIME DEFAULT CURRENT_TIMESTAMP, updated_at DATETIME DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP, last_login DATETIME NULL, INDEX idx_email (email), INDEX idx_phone (phone), INDEX idx_kyc_status (kyc_status), INDEX idx_status (status) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 2. USER_PROFILES TABLE (Extended Profile Data) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS user_profiles ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NOT NULL UNIQUE, avatar_url VARCHAR(500) NULL, date_of_birth DATE NULL, gender ENUM('male','female','other','prefer_not_say') NULL, address TEXT NULL, city VARCHAR(100) NULL, state VARCHAR(100) NULL, occupation VARCHAR(150) NULL, student_status TINYINT(1) DEFAULT 0, institution_name VARCHAR(255) NULL, matric_number VARCHAR(100) NULL, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, INDEX idx_student (student_status, institution_name) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 3. OTP_CODES TABLE (Phone/Email Verification) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS otp_codes ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NULL, contact_type ENUM('phone','email') NOT NULL, contact_value VARCHAR(255) NOT NULL, otp_code VARCHAR(10) NOT NULL, purpose VARCHAR(50) DEFAULT 'verification', attempts_used INT DEFAULT 0, max_attempts INT DEFAULT 3, expires_at DATETIME NOT NULL, verified_at DATETIME NULL, created_at DATETIME DEFAULT CURRENT_TIMESTAMP, INDEX idx_contact (contact_type, contact_value), INDEX idx_expires (expires_at), INDEX idx_otp_lookup (contact_value, otp_code, expires_at) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 4. KYC_DOCUMENTS TABLE (Identity Documents) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS kyc_documents ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NOT NULL, doc_type ENUM('nin','bvn','student_id','admission_letter','passport','drivers_license','voters_card') NOT NULL, doc_number VARCHAR(100) NULL, file_path VARCHAR(500) NOT NULL, file_original_name VARCHAR(255) NOT NULL, file_size INT UNSIGNED NULL, file_mime_type VARCHAR(100) NULL, verification_status ENUM('pending','verified','rejected') DEFAULT 'pending', verified_by BIGINT UNSIGNED NULL, verified_at DATETIME NULL, rejection_reason TEXT NULL, uploaded_at DATETIME DEFAULT CURRENT_TIMESTAMP, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, INDEX idx_user_doc (user_id, doc_type), INDEX idx_status (verification_status) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 5. SELFIE_CAPTURES TABLE (Biometric Verification) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS selfie_captures ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NOT NULL UNIQUE, file_path VARCHAR(500) NOT NULL, file_original_name VARCHAR(255) NOT NULL, ai_verified TINYINT(1) DEFAULT 0, ai_match_score DECIMAL(5,2) NULL COMMENT '0.00-100.00 face match confidence', ai_verified_at DATETIME NULL, manual_review_status ENUM('pending','approved','rejected') DEFAULT 'pending', captured_at DATETIME DEFAULT CURRENT_TIMESTAMP, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 6. WALLETS TABLE (User Financial Accounts) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS wallets ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NOT NULL UNIQUE, wallet_tag VARCHAR(20) NOT NULL UNIQUE COMMENT 'QDN-XXXXX unique wallet ID', available_balance DECIMAL(15,2) DEFAULT 0.00 COMMENT 'Available for withdrawal/transfer', escrow_balance DECIMAL(15,2) DEFAULT 0.00 COMMENT 'Locked in Adashi/Escrow', total_balance DECIMAL(15,2) GENERATED ALWAYS AS (available_balance + escrow_balance) STORED, currency VARCHAR(3) DEFAULT 'NGN', pin_hash VARCHAR(255) NULL COMMENT 'Transaction PIN', pin_set TINYINT(1) DEFAULT 0, is_frozen TINYINT(1) DEFAULT 0, created_at DATETIME DEFAULT CURRENT_TIMESTAMP, updated_at DATETIME DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, INDEX idx_wallet_tag (wallet_tag) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 7. TRANSACTIONS TABLE (All Financial Transactions) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS transactions ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, transaction_ref VARCHAR(50) NOT NULL UNIQUE COMMENT 'QDN-TXN-XXXXXXXX', user_id BIGINT UNSIGNED NOT NULL, wallet_id BIGINT UNSIGNED NOT NULL, -- Transaction Details txn_type ENUM('deposit','withdrawal','transfer_sent','transfer_received','adashi_contribution','adashi_payout','escrow_lock','escrow_release','fee','refund','bonus') NOT NULL, status ENUM('pending','successful','failed','reversed','locked') DEFAULT 'pending', amount DECIMAL(15,2) NOT NULL, fee_amount DECIMAL(15,2) DEFAULT 0.00, currency VARCHAR(3) DEFAULT 'NGN', -- Parties sender_wallet_id BIGINT UNSIGNED NULL, recipient_wallet_id BIGINT UNSIGNED NULL, recipient_name VARCHAR(255) NULL, recipient_account VARCHAR(100) NULL, recipient_bank VARCHAR(100) NULL, -- Context description TEXT NULL, adashi_cycle_id BIGINT UNSIGNED NULL, metadata JSON NULL COMMENT 'Flexible extra data', -- Tracking created_at DATETIME DEFAULT CURRENT_TIMESTAMP, completed_at DATETIME NULL, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, FOREIGN KEY (wallet_id) REFERENCES wallets(id) ON DELETE CASCADE, INDEX idx_user_txn (user_id, created_at), INDEX idx_txn_type (txn_type), INDEX idx_status (status), INDEX idx_txn_ref (transaction_ref), INDEX idx_adashi_cycle (adashi_cycle_id) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 8. ADASHI_CYCLES TABLE (Rotating Savings Groups) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS adashi_cycles ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, cycle_tag VARCHAR(20) NOT NULL UNIQUE COMMENT 'QDN-ADC-XXXXX', creator_id BIGINT UNSIGNED NOT NULL, -- Cycle Configuration name VARCHAR(255) NOT NULL, description TEXT NULL, icon_type ENUM('users','graduation-cap','heart-pulse','briefcase','custom') DEFAULT 'users', icon_color VARCHAR(20) DEFAULT 'blue', -- Financial contribution_amount DECIMAL(15,2) NOT NULL COMMENT 'Amount per member per period', frequency ENUM('daily','weekly','biweekly','monthly') NOT NULL, max_members INT UNSIGNED NOT NULL DEFAULT 10, current_members INT UNSIGNED DEFAULT 1, total_pool_value DECIMAL(15,2) GENERATED ALWAYS AS (contribution_amount * max_members) STORED, -- Status status ENUM('open','active','paused','completed','cancelled') DEFAULT 'open', visibility ENUM('public','private','invite_only') DEFAULT 'public', -- Trust & Entry min_trust_score INT DEFAULT 0 COMMENT 'Minimum trust score to join', entry_fee DECIMAL(15,2) DEFAULT 0.00, -- Timing start_date DATE NULL, end_date DATE NULL, next_contribution_date DATE NULL, next_payout_date DATE NULL, -- Payout Order (JSON array of member positions) payout_order JSON NULL, current_payout_position INT DEFAULT 1, -- Escrow escrow_enabled TINYINT(1) DEFAULT 1, total_escrowed DECIMAL(15,2) DEFAULT 0.00, created_at DATETIME DEFAULT CURRENT_TIMESTAMP, updated_at DATETIME DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP, FOREIGN KEY (creator_id) REFERENCES users(id) ON DELETE CASCADE, INDEX idx_status (status), INDEX idx_visibility (visibility), INDEX idx_creator (creator_id), INDEX idx_frequency (frequency), INDEX idx_trust_score (min_trust_score) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 9. CYCLE_MEMBERS TABLE (Members in Adashi Cycles) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS cycle_members ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, cycle_id BIGINT UNSIGNED NOT NULL, user_id BIGINT UNSIGNED NOT NULL, -- Member Status join_status ENUM('invited','joined','active','completed','left','removed') DEFAULT 'joined', payout_position INT UNSIGNED NULL COMMENT 'Position in payout rotation', has_received_payout TINYINT(1) DEFAULT 0, -- Tracking total_contributed DECIMAL(15,2) DEFAULT 0.00, total_received DECIMAL(15,2) DEFAULT 0.00, last_contribution_at DATETIME NULL, joined_at DATETIME DEFAULT CURRENT_TIMESTAMP, FOREIGN KEY (cycle_id) REFERENCES adashi_cycles(id) ON DELETE CASCADE, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, UNIQUE KEY unique_cycle_member (cycle_id, user_id), INDEX idx_cycle_user (cycle_id, user_id), INDEX idx_join_status (join_status) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 10. CONTRIBUTIONS TABLE (Individual Contributions) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS contributions ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, cycle_id BIGINT UNSIGNED NOT NULL, member_id BIGINT UNSIGNED NOT NULL, user_id BIGINT UNSIGNED NOT NULL, transaction_id BIGINT UNSIGNED NULL, -- Contribution Details amount DECIMAL(15,2) NOT NULL, period_number INT UNSIGNED NOT NULL COMMENT 'Which period this contribution is for', status ENUM('pending','paid','late','missed','refunded') DEFAULT 'pending', paid_at DATETIME NULL, -- Escrow escrow_released TINYINT(1) DEFAULT 0, escrow_released_at DATETIME NULL, created_at DATETIME DEFAULT CURRENT_TIMESTAMP, FOREIGN KEY (cycle_id) REFERENCES adashi_cycles(id) ON DELETE CASCADE, FOREIGN KEY (member_id) REFERENCES cycle_members(id) ON DELETE CASCADE, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, FOREIGN KEY (transaction_id) REFERENCES transactions(id) ON DELETE SET NULL, INDEX idx_cycle_period (cycle_id, period_number), INDEX idx_user (user_id) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 11. NOTIFICATIONS TABLE (User Alerts & Updates) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS notifications ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NOT NULL, -- Notification Content title VARCHAR(255) NOT NULL, message TEXT NOT NULL, notification_type ENUM('transaction','adashi','kyc','system','security','promo') NOT NULL, priority ENUM('low','normal','high','urgent') DEFAULT 'normal', -- Action & Navigation action_url VARCHAR(500) NULL, related_entity_type VARCHAR(50) NULL COMMENT 'cycle, transaction, etc.', related_entity_id BIGINT UNSIGNED NULL, -- Status is_read TINYINT(1) DEFAULT 0, read_at DATETIME NULL, created_at DATETIME DEFAULT CURRENT_TIMESTAMP, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, INDEX idx_user_read (user_id, is_read), INDEX idx_type (notification_type), INDEX idx_created (created_at) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 12. AUDIT_LOG TABLE (Security & Compliance Tracking) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS audit_log ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NULL, action VARCHAR(100) NOT NULL COMMENT 'login, transfer, withdrawal, etc.', entity_type VARCHAR(50) NULL, entity_id BIGINT UNSIGNED NULL, ip_address VARCHAR(45) NULL, user_agent VARCHAR(500) NULL, details JSON NULL, risk_level ENUM('low','medium','high','critical') DEFAULT 'low', created_at DATETIME DEFAULT CURRENT_TIMESTAMP, INDEX idx_user (user_id), INDEX idx_action (action), INDEX idx_created (created_at), INDEX idx_risk (risk_level) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; -- ------------------------------------------------------------ -- 13. USER_SESSIONS TABLE (Session Management) -- ------------------------------------------------------------ CREATE TABLE IF NOT EXISTS user_sessions ( id BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY, user_id BIGINT UNSIGNED NOT NULL, session_token VARCHAR(255) NOT NULL UNIQUE, device_info VARCHAR(255) NULL, ip_address VARCHAR(45) NULL, is_active TINYINT(1) DEFAULT 1, expires_at DATETIME NOT NULL, created_at DATETIME DEFAULT CURRENT_TIMESTAMP, last_activity DATETIME DEFAULT CURRENT_TIMESTAMP, FOREIGN KEY (user_id) REFERENCES users(id) ON DELETE CASCADE, INDEX idx_token (session_token), INDEX idx_user_active (user_id, is_active), INDEX idx_expires (expires_at) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci; SET FOREIGN_KEY_CHECKS = 1; -- ============================================================ -- SEED DATA FOR DEVELOPMENT/DEMO -- ============================================================ -- Insert demo user (password: 'password123' hashed with bcrypt) INSERT INTO users (first_name, last_name, email, phone, password_hash, email_verified, phone_verified, kyc_status, kyc_level, trust_score, status, last_login) VALUES ('Daniel', 'Victor', 'daniel@qudina.com', '+2348101234567', '$2y$10$92IXUNpkjO0rOQ5byMi.Ye4oKoEa3Ro9llC/.og/at2.uheWG/igi', 1, 1, 'verified', 3, 85, 'active', NOW()), ('Chinonso', 'Okafor', 'chinonso@qudina.com', '+2348101234568', '$2y$10$92IXUNpkjO0rOQ5byMi.Ye4oKoEa3Ro9llC/.og/at2.uheWG/igi', 1, 1, 'verified', 3, 78, 'active', NOW()), ('Adewale', 'Johnson', 'adewale@qudina.com', '+2348101234569', '$2y$10$92IXUNpkjO0rOQ5byMi.Ye4oKoEa3Ro9llC/.og/at2.uheWG/igi', 1, 1, 'verified', 2, 72, 'active', NOW()), ('Blessing', 'Udo', 'blessing@qudina.com', '+2348101234570', '$2y$10$92IXUNpkjO0rOQ5byMi.Ye4oKoEa3Ro9llC/.og/at2.uheWG/igi', 1, 0, 'pending', 1, 55, 'active', NULL()), ('Tobi', 'Samuel', 'tobi@qudina.com', '+2348101234571', '$2y$10$92IXUNpkjO0rOQ5byMi.Ye4oKoEa3Ro9llC/.og/at2.uheWG/igi', 0, 0, 'unverified', 0, 30, 'active', NULL()); -- Insert wallets for demo users INSERT INTO wallets (user_id, wallet_tag, available_balance, escrow_balance, pin_set) VALUES (1, 'QDN-00001', 218450.00, 94000.00, 1), (2, 'QDN-00002', 150000.00, 60000.00, 1), (3, 'QDN-00003', 89000.00, 44000.00, 1), (4, 'QDN-00004', 25000.00, 0.00, 0), (5, 'QDN-00005', 0.00, 0.00, 0); -- Insert sample Adashi cycles INSERT INTO adashi_cycles (cycle_tag, creator_id, name, description, icon_type, icon_color, contribution_amount, frequency, max_members, current_members, status, visibility, min_trust_score, entry_fee, start_date, next_contribution_date, next_payout_date, current_payout_position, payout_order) VALUES ('QDN-ADC-001', 1, 'NYSC Group', 'Monthly contributions for NYSC corps members', 'users', 'blue', 120000.00, 'monthly', 10, 10, 'active', 'private', 50, 1000.00, '2024-01-15', '2024-05-20', '2024-05-30', 4, '[1,2,3,4,5,6,7,8,9,10]'), ('QDN-ADC-002', 2, 'Level 400 Set', 'Weekly savings for final year students', 'graduation-cap', 'indigo', 100000.00, 'weekly', 8, 8, 'active', 'private', 60, 500.00, '2024-03-01', '2024-05-19', '2024-05-26', 2, '[2,4,6,8,1,3,5,7]'), ('QDN-ADC-003', 3, 'Weekend Fam', 'Casual weekend family savings', 'heart-pulse', 'orange', 50000.00, 'weekly', 6, 6, 'active', 'private', 40, 500.00, '2024-04-01', '2024-05-18', NULL, 5, '[1,3,5,2,4,6]'); -- Insert cycle members INSERT INTO cycle_members (cycle_id, user_id, join_status, payout_position, has_received_payout, total_contributed) VALUES -- NYSC Group (1, 1, 'active', 4, 0, 480000.00), (1, 2, 'active', 1, 1, 480000.00), (1, 3, 'active', 3, 0, 480000.00), (1, 4, 'active', 5, 0, 360000.00), (1, 5, 'active', 2, 1, 360000.00), -- Level 400 Set (2, 2, 'active', 2, 0, 400000.00), (2, 1, 'active', 4, 0, 400000.00), (2, 3, 'active', 6, 0, 300000.00), -- Weekend Fam (3, 3, 'active', 5, 0, 200000.00), (3, 1, 'active', 1, 1, 250000.00); -- Insert sample transactions INSERT INTO transactions (transaction_ref, user_id, wallet_id, txn_type, status, amount, currency, description, created_at, completed_at) VALUES ('QDN-TXN-000001', 1, 1, 'deposit', 'successful', 50000.00, 'NGN', 'Bank Transfer', '2024-05-18 08:45:00', '2024-05-18 08:45:00'), ('QDN-TXN-000002', 1, 1, 'adashi_contribution', 'locked', 10000.00, 'NGN', 'Adashi Contribution - NYSC Group', '2024-05-18 07:20:00', '2024-05-18 07:20:00'), ('QDN-TXN-000003', 1, 1, 'escrow_lock', 'locked', 44000.00, 'NGN', 'Escrow Lock - Level 400 Set', '2024-05-17 18:30:00', '2024-05-17 18:30:00'), ('QDN-TXN-000004', 1, 1, 'withdrawal', 'successful', 20000.00, 'NGN', 'Withdrawal to Bank', '2024-05-16 11:00:00', '2024-05-16 11:00:00'), ('QDN-TXN-000005', 1, 1, 'transfer_sent', 'successful', 5000.00, 'NGN', 'Transfer to Daniel V.', '2024-05-15 21:15:00', '2024-05-15 21:15:00'), ('QDN-TXN-000006', 1, 1, 'adashi_payout', 'successful', 30000.00, 'NGN', 'Adashi Payout - Weekend Fam', '2024-05-14 18:40:00', '2024-05-14 18:40:00'); -- Insert notifications INSERT INTO notifications (user_id, title, message, notification_type, priority, related_entity_type, related_entity_id) VALUES (1, 'Contribution due in NYSC Group', 'Your monthly contribution of ₦120,000 is due today at 8:00 AM', 'adashi', 'urgent', 'cycle', 1), (1, 'Level 400 Set payout in 2 days', 'You will receive your payout of ₦800,000 on May 19 at 6:30 PM', 'adashi', 'high', 'cycle', 2), (1, 'New guarantor request', 'Chinonso Okafor has requested you to be their guarantor', 'system', 'normal', NULL, NULL); -- Insert KYC documents (demo) INSERT INTO kyc_documents (user_id, doc_type, doc_number, file_path, file_original_name, verification_status, uploaded_at) VALUES (1, 'nin', '12345678901', '/uploads/kyc/nin_1_1705000000.pdf', 'nin_document.pdf', 'verified', '2024-01-10 10:00:00'), (1, 'bvn', '22145678901', '/uploads/kyc/bvn_1_1705000001.pdf', 'bvn_document.pdf', 'verified', '2024-01-10 10:05:00'), (2, 'nin', '22345678902', '/uploads/kyc/nin_2_1705000002.pdf', 'nin_document.pdf', 'verified', '2024-01-12 09:00:00'), (3, 'nin', '32345678903', '/uploads/kyc/nin_3_1705000003.pdf', 'nin_document.pdf', 'pending', '2024-02-01 14:00:00');