diff --git a/packages/anchor-service/src/anchor.service.ts b/packages/anchor-service/src/anchor.service.ts
index 88273ea..c1374f2 100644
--- a/packages/anchor-service/src/anchor.service.ts
+++ b/packages/anchor-service/src/anchor.service.ts
@@ -14,6 +14,7 @@ import type {
   CustomerStatus,
   IdentityDocument,
 } from './interfaces/customer.interface';
+import type { KycStatusResponse } from './interfaces/kyc.interface';
 import type { FeeQuote, TransactionType } from './interfaces/fee.interface';
 
 interface CustomerRecord {
@@ -44,6 +45,7 @@ export class AnchorService {
   private readonly payments = new Map<string, Sep31PaymentRecord>();
   private readonly transactions = new Map<string, AnchorTransaction>();
   private readonly customers = new Map<string, CustomerRecord>();
+  private readonly accountLinks = new Map<string, string>();
 
   // ---------------------------------------------------------------------------
   // SEP-31 Direct Payment
@@ -304,6 +306,65 @@ export class AnchorService {
     return Array.from(this.customers.values());
   }
 
+  // ---------------------------------------------------------------------------
+  // SEP-12 KYC Status
+  // ---------------------------------------------------------------------------
+
+  linkAccount(accountId: string, customerId: string): void {
+    this.accountLinks.set(accountId, customerId);
+  }
+
+  async checkKycStatus(accountId: string): Promise<KycStatusResponse> {
+    const customerId = this.accountLinks.get(accountId);
+
+    if (!customerId) {
+      return {
+        accountId,
+        status: 'pending',
+        message: 'No KYC data found for this account. Please submit customer info first.',
+        checkedAt: new Date().toISOString(),
+      };
+    }
+
+    const customer = this.customers.get(customerId);
+
+    if (!customer) {
+      this.accountLinks.delete(accountId);
+      return {
+        accountId,
+        status: 'pending',
+        message: 'Customer record not found. Please resubmit customer info.',
+        checkedAt: new Date().toISOString(),
+      };
+    }
+
+    let status: KycStatusResponse['status'];
+    switch (customer.status) {
+      case 'APPROVED':
+        status = 'approved';
+        break;
+      case 'REJECTED':
+        status = 'rejected';
+        break;
+      default:
+        status = 'pending';
+        break;
+    }
+
+    return {
+      accountId,
+      status,
+      customerId: customer.customerId,
+      message:
+        status === 'approved'
+          ? 'KYC approved'
+          : status === 'rejected'
+            ? 'KYC rejected'
+            : 'KYC is still being processed',
+      checkedAt: new Date().toISOString(),
+    };
+  }
+
   // ---------------------------------------------------------------------------
   // Fee Calculation
   // ---------------------------------------------------------------------------
diff --git a/packages/anchor-service/src/index.ts b/packages/anchor-service/src/index.ts
index 28d622c..3d297e9 100644
--- a/packages/anchor-service/src/index.ts
+++ b/packages/anchor-service/src/index.ts
@@ -17,4 +17,5 @@ export type {
   IdentityDocument,
   FileContent,
 } from './interfaces/customer.interface';
+export type { KycStatusResponse } from './interfaces/kyc.interface';
 export type { FeeQuote, FeeBreakdown, TransactionType } from './interfaces/fee.interface';
diff --git a/packages/anchor-service/src/interfaces/kyc.interface.ts b/packages/anchor-service/src/interfaces/kyc.interface.ts
new file mode 100644
index 0000000..51e3785
--- /dev/null
+++ b/packages/anchor-service/src/interfaces/kyc.interface.ts
@@ -0,0 +1,7 @@
+export interface KycStatusResponse {
+  accountId: string;
+  status: 'pending' | 'approved' | 'rejected';
+  customerId?: string;
+  message?: string;
+  checkedAt: string;
+}