# Onboarding

Getting started with Credit Vaults is easy and efficient. Here's what you can expect:

1. **KYC & AML Verification:** Our partner, [Credora](https://credora.io/), will handle Know Your Customer (KYC) and Anti-Money Laundering (AML) checks to ensure a secure and compliant environment.
2. **Legal Agreements:** Carefully review and agree to the [Clearpool Terms & Conditions](/clearpool/terms-and-conditions/restricted-countries.md), and [MLA](/clearpool/how-it-works/credit-vaults/for-borrowers/onboarding/mla.md) which outline the rights and responsibilities for all participants.
3. **Wallet Selection:** While a supported multi-party computation (MPC) wallet is recommended for added security during borrowing and repayments, you can choose the wallet that best suits your needs.
4. **Credit Risk Assessment:** [Credora](https://credora.io/) will analyse your financial health and calculate your credit risk score and borrowing capacity. (Link to "[Credit Risk Scoring](https://credora.gitbook.io/credit-methodology/SbLmTxogePkrzsF4z9IK/)" for more details)


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