Create subsidiary - Conduit API Documentation

Create subsidiary

curl --request POST \
  --url https://api.conduit.financial/clients \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --header 'X-API-Secret: <api-key>' \
  --data '
{
  "businessLegalName": "Acme Corp",
  "country": "USA",
  "onboardingFlow": "direct",
  "businessInformation": {
    "hasDBA": false,
    "businessDescription": "Provider of industrial widgets and services",
    "isSubsidiary": false,
    "entityType": "Bank",
    "isOperating": true,
    "regulatorName": "FinCEN (Financial Crimes Enforcement Network)",
    "businessEntityType": "Corporation",
    "anticipatedMonthlyVolume": 50000,
    "expectedAverageDailyBalance": 250000,
    "registeredDate": "2024-01-01",
    "website": "https://acme.com",
    "email": "contact@acme.com",
    "phone": "+1234567890",
    "industry": "MSB/Payments Company",
    "taxIdentificationNumber": "123456789",
    "businessEntityId": "BE001",
    "naicsCode": "NAIS001",
    "isFinancialInstitution": false,
    "registeredAddress": {
      "streetLine1": "123 Business St",
      "city": "New York",
      "state": "NY",
      "postalCode": "10001",
      "country": "USA"
    },
    "operatingAddress": {
      "streetLine1": "456 Office Ave",
      "city": "New York",
      "state": "NY",
      "postalCode": "10002",
      "country": "USA"
    },
    "isStockExchangeListed": false,
    "accountPurpose": "Payments for Goods or Services",
    "accountPurposeDescription": "Payment processing for e-commerce transactions and vendor payouts",
    "highRiskIndustry": "Third-party / OBO payments",
    "highRiskIndustryDetails": "We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.",
    "hasNestedFlows": true,
    "nestedFlowDescription": "We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.",
    "certifiesOwnTreasuryUse": true,
    "keyGeographicBusinessCountries": [
      "USA",
      "CAN"
    ],
    "anticipatedTransactionsVolume": 1500,
    "usesBlockChainWallets": false,
    "sourceOfFunds": "Revenue From Products/Services",
    "productsOrServices": [
      "Cross-Border Payments"
    ],
    "isGeneratingRevenues": true,
    "revenueCoverage": "More than 50% of expenses and growing",
    "hasInstitutionalInvestors": true,
    "runwayDurationMonths": "More than 12 months",
    "cashOnHandUsd": 500000,
    "hasUsBankAccount": true,
    "deniedUsBankAccount": {
      "answer": true,
      "explanation": "Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time."
    },
    "businessAuditHistory": {
      "answer": true,
      "explanation": "Underwent tax audit by HMRC in 2021, resolved with no outstanding issues."
    },
    "ownersAuditHistory": {
      "answer": false,
      "explanation": "No owners audit history"
    },
    "pepInvolved": {
      "answer": false,
      "explanation": "No PEP involvement"
    },
    "hasAdvisor": true,
    "flowOfFundsDescription": "Funds are collected from customers via payment processing and disbursed to vendors and suppliers.",
    "termsOfServiceAcceptance": {
      "date": "2025-07-28",
      "ipAddress": "201.221.240.218",
      "isAuthenticated": true
    }
  }
}
'

import requests

url = "https://api.conduit.financial/clients"

payload = {
    "businessLegalName": "Acme Corp",
    "country": "USA",
    "onboardingFlow": "direct",
    "businessInformation": {
        "hasDBA": False,
        "businessDescription": "Provider of industrial widgets and services",
        "isSubsidiary": False,
        "entityType": "Bank",
        "isOperating": True,
        "regulatorName": "FinCEN (Financial Crimes Enforcement Network)",
        "businessEntityType": "Corporation",
        "anticipatedMonthlyVolume": 50000,
        "expectedAverageDailyBalance": 250000,
        "registeredDate": "2024-01-01",
        "website": "https://acme.com",
        "email": "contact@acme.com",
        "phone": "+1234567890",
        "industry": "MSB/Payments Company",
        "taxIdentificationNumber": "123456789",
        "businessEntityId": "BE001",
        "naicsCode": "NAIS001",
        "isFinancialInstitution": False,
        "registeredAddress": {
            "streetLine1": "123 Business St",
            "city": "New York",
            "state": "NY",
            "postalCode": "10001",
            "country": "USA"
        },
        "operatingAddress": {
            "streetLine1": "456 Office Ave",
            "city": "New York",
            "state": "NY",
            "postalCode": "10002",
            "country": "USA"
        },
        "isStockExchangeListed": False,
        "accountPurpose": "Payments for Goods or Services",
        "accountPurposeDescription": "Payment processing for e-commerce transactions and vendor payouts",
        "highRiskIndustry": "Third-party / OBO payments",
        "highRiskIndustryDetails": "We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.",
        "hasNestedFlows": True,
        "nestedFlowDescription": "We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.",
        "certifiesOwnTreasuryUse": True,
        "keyGeographicBusinessCountries": ["USA", "CAN"],
        "anticipatedTransactionsVolume": 1500,
        "usesBlockChainWallets": False,
        "sourceOfFunds": "Revenue From Products/Services",
        "productsOrServices": ["Cross-Border Payments"],
        "isGeneratingRevenues": True,
        "revenueCoverage": "More than 50% of expenses and growing",
        "hasInstitutionalInvestors": True,
        "runwayDurationMonths": "More than 12 months",
        "cashOnHandUsd": 500000,
        "hasUsBankAccount": True,
        "deniedUsBankAccount": {
            "answer": True,
            "explanation": "Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time."
        },
        "businessAuditHistory": {
            "answer": True,
            "explanation": "Underwent tax audit by HMRC in 2021, resolved with no outstanding issues."
        },
        "ownersAuditHistory": {
            "answer": False,
            "explanation": "No owners audit history"
        },
        "pepInvolved": {
            "answer": False,
            "explanation": "No PEP involvement"
        },
        "hasAdvisor": True,
        "flowOfFundsDescription": "Funds are collected from customers via payment processing and disbursed to vendors and suppliers.",
        "termsOfServiceAcceptance": {
            "date": "2025-07-28",
            "ipAddress": "201.221.240.218",
            "isAuthenticated": True
        }
    }
}
headers = {
    "X-API-Key": "<api-key>",
    "X-API-Secret": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-API-Key': '<api-key>',
    'X-API-Secret': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    businessLegalName: 'Acme Corp',
    country: 'USA',
    onboardingFlow: 'direct',
    businessInformation: {
      hasDBA: false,
      businessDescription: 'Provider of industrial widgets and services',
      isSubsidiary: false,
      entityType: 'Bank',
      isOperating: true,
      regulatorName: 'FinCEN (Financial Crimes Enforcement Network)',
      businessEntityType: 'Corporation',
      anticipatedMonthlyVolume: 50000,
      expectedAverageDailyBalance: 250000,
      registeredDate: '2024-01-01',
      website: 'https://acme.com',
      email: 'contact@acme.com',
      phone: '+1234567890',
      industry: 'MSB/Payments Company',
      taxIdentificationNumber: '123456789',
      businessEntityId: 'BE001',
      naicsCode: 'NAIS001',
      isFinancialInstitution: false,
      registeredAddress: {
        streetLine1: '123 Business St',
        city: 'New York',
        state: 'NY',
        postalCode: '10001',
        country: 'USA'
      },
      operatingAddress: {
        streetLine1: '456 Office Ave',
        city: 'New York',
        state: 'NY',
        postalCode: '10002',
        country: 'USA'
      },
      isStockExchangeListed: false,
      accountPurpose: 'Payments for Goods or Services',
      accountPurposeDescription: 'Payment processing for e-commerce transactions and vendor payouts',
      highRiskIndustry: 'Third-party / OBO payments',
      highRiskIndustryDetails: 'We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.',
      hasNestedFlows: true,
      nestedFlowDescription: 'We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.',
      certifiesOwnTreasuryUse: true,
      keyGeographicBusinessCountries: ['USA', 'CAN'],
      anticipatedTransactionsVolume: 1500,
      usesBlockChainWallets: false,
      sourceOfFunds: 'Revenue From Products/Services',
      productsOrServices: ['Cross-Border Payments'],
      isGeneratingRevenues: true,
      revenueCoverage: 'More than 50% of expenses and growing',
      hasInstitutionalInvestors: true,
      runwayDurationMonths: 'More than 12 months',
      cashOnHandUsd: 500000,
      hasUsBankAccount: true,
      deniedUsBankAccount: {
        answer: true,
        explanation: 'Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.'
      },
      businessAuditHistory: {
        answer: true,
        explanation: 'Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.'
      },
      ownersAuditHistory: {answer: false, explanation: 'No owners audit history'},
      pepInvolved: {answer: false, explanation: 'No PEP involvement'},
      hasAdvisor: true,
      flowOfFundsDescription: 'Funds are collected from customers via payment processing and disbursed to vendors and suppliers.',
      termsOfServiceAcceptance: {date: '2025-07-28', ipAddress: '201.221.240.218', isAuthenticated: true}
    }
  })
};

fetch('https://api.conduit.financial/clients', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.conduit.financial/clients",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'businessLegalName' => 'Acme Corp',
    'country' => 'USA',
    'onboardingFlow' => 'direct',
    'businessInformation' => [
        'hasDBA' => false,
        'businessDescription' => 'Provider of industrial widgets and services',
        'isSubsidiary' => false,
        'entityType' => 'Bank',
        'isOperating' => true,
        'regulatorName' => 'FinCEN (Financial Crimes Enforcement Network)',
        'businessEntityType' => 'Corporation',
        'anticipatedMonthlyVolume' => 50000,
        'expectedAverageDailyBalance' => 250000,
        'registeredDate' => '2024-01-01',
        'website' => 'https://acme.com',
        'email' => 'contact@acme.com',
        'phone' => '+1234567890',
        'industry' => 'MSB/Payments Company',
        'taxIdentificationNumber' => '123456789',
        'businessEntityId' => 'BE001',
        'naicsCode' => 'NAIS001',
        'isFinancialInstitution' => false,
        'registeredAddress' => [
                'streetLine1' => '123 Business St',
                'city' => 'New York',
                'state' => 'NY',
                'postalCode' => '10001',
                'country' => 'USA'
        ],
        'operatingAddress' => [
                'streetLine1' => '456 Office Ave',
                'city' => 'New York',
                'state' => 'NY',
                'postalCode' => '10002',
                'country' => 'USA'
        ],
        'isStockExchangeListed' => false,
        'accountPurpose' => 'Payments for Goods or Services',
        'accountPurposeDescription' => 'Payment processing for e-commerce transactions and vendor payouts',
        'highRiskIndustry' => 'Third-party / OBO payments',
        'highRiskIndustryDetails' => 'We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.',
        'hasNestedFlows' => true,
        'nestedFlowDescription' => 'We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.',
        'certifiesOwnTreasuryUse' => true,
        'keyGeographicBusinessCountries' => [
                'USA',
                'CAN'
        ],
        'anticipatedTransactionsVolume' => 1500,
        'usesBlockChainWallets' => false,
        'sourceOfFunds' => 'Revenue From Products/Services',
        'productsOrServices' => [
                'Cross-Border Payments'
        ],
        'isGeneratingRevenues' => true,
        'revenueCoverage' => 'More than 50% of expenses and growing',
        'hasInstitutionalInvestors' => true,
        'runwayDurationMonths' => 'More than 12 months',
        'cashOnHandUsd' => 500000,
        'hasUsBankAccount' => true,
        'deniedUsBankAccount' => [
                'answer' => true,
                'explanation' => 'Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.'
        ],
        'businessAuditHistory' => [
                'answer' => true,
                'explanation' => 'Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.'
        ],
        'ownersAuditHistory' => [
                'answer' => false,
                'explanation' => 'No owners audit history'
        ],
        'pepInvolved' => [
                'answer' => false,
                'explanation' => 'No PEP involvement'
        ],
        'hasAdvisor' => true,
        'flowOfFundsDescription' => 'Funds are collected from customers via payment processing and disbursed to vendors and suppliers.',
        'termsOfServiceAcceptance' => [
                'date' => '2025-07-28',
                'ipAddress' => '201.221.240.218',
                'isAuthenticated' => true
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-API-Key: <api-key>",
    "X-API-Secret: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.conduit.financial/clients"

	payload := strings.NewReader("{\n  \"businessLegalName\": \"Acme Corp\",\n  \"country\": \"USA\",\n  \"onboardingFlow\": \"direct\",\n  \"businessInformation\": {\n    \"hasDBA\": false,\n    \"businessDescription\": \"Provider of industrial widgets and services\",\n    \"isSubsidiary\": false,\n    \"entityType\": \"Bank\",\n    \"isOperating\": true,\n    \"regulatorName\": \"FinCEN (Financial Crimes Enforcement Network)\",\n    \"businessEntityType\": \"Corporation\",\n    \"anticipatedMonthlyVolume\": 50000,\n    \"expectedAverageDailyBalance\": 250000,\n    \"registeredDate\": \"2024-01-01\",\n    \"website\": \"https://acme.com\",\n    \"email\": \"contact@acme.com\",\n    \"phone\": \"+1234567890\",\n    \"industry\": \"MSB/Payments Company\",\n    \"taxIdentificationNumber\": \"123456789\",\n    \"businessEntityId\": \"BE001\",\n    \"naicsCode\": \"NAIS001\",\n    \"isFinancialInstitution\": false,\n    \"registeredAddress\": {\n      \"streetLine1\": \"123 Business St\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10001\",\n      \"country\": \"USA\"\n    },\n    \"operatingAddress\": {\n      \"streetLine1\": \"456 Office Ave\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10002\",\n      \"country\": \"USA\"\n    },\n    \"isStockExchangeListed\": false,\n    \"accountPurpose\": \"Payments for Goods or Services\",\n    \"accountPurposeDescription\": \"Payment processing for e-commerce transactions and vendor payouts\",\n    \"highRiskIndustry\": \"Third-party / OBO payments\",\n    \"highRiskIndustryDetails\": \"We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.\",\n    \"hasNestedFlows\": true,\n    \"nestedFlowDescription\": \"We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.\",\n    \"certifiesOwnTreasuryUse\": true,\n    \"keyGeographicBusinessCountries\": [\n      \"USA\",\n      \"CAN\"\n    ],\n    \"anticipatedTransactionsVolume\": 1500,\n    \"usesBlockChainWallets\": false,\n    \"sourceOfFunds\": \"Revenue From Products/Services\",\n    \"productsOrServices\": [\n      \"Cross-Border Payments\"\n    ],\n    \"isGeneratingRevenues\": true,\n    \"revenueCoverage\": \"More than 50% of expenses and growing\",\n    \"hasInstitutionalInvestors\": true,\n    \"runwayDurationMonths\": \"More than 12 months\",\n    \"cashOnHandUsd\": 500000,\n    \"hasUsBankAccount\": true,\n    \"deniedUsBankAccount\": {\n      \"answer\": true,\n      \"explanation\": \"Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.\"\n    },\n    \"businessAuditHistory\": {\n      \"answer\": true,\n      \"explanation\": \"Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.\"\n    },\n    \"ownersAuditHistory\": {\n      \"answer\": false,\n      \"explanation\": \"No owners audit history\"\n    },\n    \"pepInvolved\": {\n      \"answer\": false,\n      \"explanation\": \"No PEP involvement\"\n    },\n    \"hasAdvisor\": true,\n    \"flowOfFundsDescription\": \"Funds are collected from customers via payment processing and disbursed to vendors and suppliers.\",\n    \"termsOfServiceAcceptance\": {\n      \"date\": \"2025-07-28\",\n      \"ipAddress\": \"201.221.240.218\",\n      \"isAuthenticated\": true\n    }\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-API-Key", "<api-key>")
	req.Header.Add("X-API-Secret", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.conduit.financial/clients")
  .header("X-API-Key", "<api-key>")
  .header("X-API-Secret", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"businessLegalName\": \"Acme Corp\",\n  \"country\": \"USA\",\n  \"onboardingFlow\": \"direct\",\n  \"businessInformation\": {\n    \"hasDBA\": false,\n    \"businessDescription\": \"Provider of industrial widgets and services\",\n    \"isSubsidiary\": false,\n    \"entityType\": \"Bank\",\n    \"isOperating\": true,\n    \"regulatorName\": \"FinCEN (Financial Crimes Enforcement Network)\",\n    \"businessEntityType\": \"Corporation\",\n    \"anticipatedMonthlyVolume\": 50000,\n    \"expectedAverageDailyBalance\": 250000,\n    \"registeredDate\": \"2024-01-01\",\n    \"website\": \"https://acme.com\",\n    \"email\": \"contact@acme.com\",\n    \"phone\": \"+1234567890\",\n    \"industry\": \"MSB/Payments Company\",\n    \"taxIdentificationNumber\": \"123456789\",\n    \"businessEntityId\": \"BE001\",\n    \"naicsCode\": \"NAIS001\",\n    \"isFinancialInstitution\": false,\n    \"registeredAddress\": {\n      \"streetLine1\": \"123 Business St\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10001\",\n      \"country\": \"USA\"\n    },\n    \"operatingAddress\": {\n      \"streetLine1\": \"456 Office Ave\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10002\",\n      \"country\": \"USA\"\n    },\n    \"isStockExchangeListed\": false,\n    \"accountPurpose\": \"Payments for Goods or Services\",\n    \"accountPurposeDescription\": \"Payment processing for e-commerce transactions and vendor payouts\",\n    \"highRiskIndustry\": \"Third-party / OBO payments\",\n    \"highRiskIndustryDetails\": \"We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.\",\n    \"hasNestedFlows\": true,\n    \"nestedFlowDescription\": \"We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.\",\n    \"certifiesOwnTreasuryUse\": true,\n    \"keyGeographicBusinessCountries\": [\n      \"USA\",\n      \"CAN\"\n    ],\n    \"anticipatedTransactionsVolume\": 1500,\n    \"usesBlockChainWallets\": false,\n    \"sourceOfFunds\": \"Revenue From Products/Services\",\n    \"productsOrServices\": [\n      \"Cross-Border Payments\"\n    ],\n    \"isGeneratingRevenues\": true,\n    \"revenueCoverage\": \"More than 50% of expenses and growing\",\n    \"hasInstitutionalInvestors\": true,\n    \"runwayDurationMonths\": \"More than 12 months\",\n    \"cashOnHandUsd\": 500000,\n    \"hasUsBankAccount\": true,\n    \"deniedUsBankAccount\": {\n      \"answer\": true,\n      \"explanation\": \"Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.\"\n    },\n    \"businessAuditHistory\": {\n      \"answer\": true,\n      \"explanation\": \"Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.\"\n    },\n    \"ownersAuditHistory\": {\n      \"answer\": false,\n      \"explanation\": \"No owners audit history\"\n    },\n    \"pepInvolved\": {\n      \"answer\": false,\n      \"explanation\": \"No PEP involvement\"\n    },\n    \"hasAdvisor\": true,\n    \"flowOfFundsDescription\": \"Funds are collected from customers via payment processing and disbursed to vendors and suppliers.\",\n    \"termsOfServiceAcceptance\": {\n      \"date\": \"2025-07-28\",\n      \"ipAddress\": \"201.221.240.218\",\n      \"isAuthenticated\": true\n    }\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.conduit.financial/clients")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["X-API-Secret"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"businessLegalName\": \"Acme Corp\",\n  \"country\": \"USA\",\n  \"onboardingFlow\": \"direct\",\n  \"businessInformation\": {\n    \"hasDBA\": false,\n    \"businessDescription\": \"Provider of industrial widgets and services\",\n    \"isSubsidiary\": false,\n    \"entityType\": \"Bank\",\n    \"isOperating\": true,\n    \"regulatorName\": \"FinCEN (Financial Crimes Enforcement Network)\",\n    \"businessEntityType\": \"Corporation\",\n    \"anticipatedMonthlyVolume\": 50000,\n    \"expectedAverageDailyBalance\": 250000,\n    \"registeredDate\": \"2024-01-01\",\n    \"website\": \"https://acme.com\",\n    \"email\": \"contact@acme.com\",\n    \"phone\": \"+1234567890\",\n    \"industry\": \"MSB/Payments Company\",\n    \"taxIdentificationNumber\": \"123456789\",\n    \"businessEntityId\": \"BE001\",\n    \"naicsCode\": \"NAIS001\",\n    \"isFinancialInstitution\": false,\n    \"registeredAddress\": {\n      \"streetLine1\": \"123 Business St\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10001\",\n      \"country\": \"USA\"\n    },\n    \"operatingAddress\": {\n      \"streetLine1\": \"456 Office Ave\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10002\",\n      \"country\": \"USA\"\n    },\n    \"isStockExchangeListed\": false,\n    \"accountPurpose\": \"Payments for Goods or Services\",\n    \"accountPurposeDescription\": \"Payment processing for e-commerce transactions and vendor payouts\",\n    \"highRiskIndustry\": \"Third-party / OBO payments\",\n    \"highRiskIndustryDetails\": \"We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.\",\n    \"hasNestedFlows\": true,\n    \"nestedFlowDescription\": \"We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.\",\n    \"certifiesOwnTreasuryUse\": true,\n    \"keyGeographicBusinessCountries\": [\n      \"USA\",\n      \"CAN\"\n    ],\n    \"anticipatedTransactionsVolume\": 1500,\n    \"usesBlockChainWallets\": false,\n    \"sourceOfFunds\": \"Revenue From Products/Services\",\n    \"productsOrServices\": [\n      \"Cross-Border Payments\"\n    ],\n    \"isGeneratingRevenues\": true,\n    \"revenueCoverage\": \"More than 50% of expenses and growing\",\n    \"hasInstitutionalInvestors\": true,\n    \"runwayDurationMonths\": \"More than 12 months\",\n    \"cashOnHandUsd\": 500000,\n    \"hasUsBankAccount\": true,\n    \"deniedUsBankAccount\": {\n      \"answer\": true,\n      \"explanation\": \"Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.\"\n    },\n    \"businessAuditHistory\": {\n      \"answer\": true,\n      \"explanation\": \"Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.\"\n    },\n    \"ownersAuditHistory\": {\n      \"answer\": false,\n      \"explanation\": \"No owners audit history\"\n    },\n    \"pepInvolved\": {\n      \"answer\": false,\n      \"explanation\": \"No PEP involvement\"\n    },\n    \"hasAdvisor\": true,\n    \"flowOfFundsDescription\": \"Funds are collected from customers via payment processing and disbursed to vendors and suppliers.\",\n    \"termsOfServiceAcceptance\": {\n      \"date\": \"2025-07-28\",\n      \"ipAddress\": \"201.221.240.218\",\n      \"isAuthenticated\": true\n    }\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "onboardingFlow": "kyb_link",
  "id": "client_2ofTA13AD0xBtbEvBl20aEb1hEu",
  "kybLink": "https://example.com/kyb/verify/abc123",
  "kybLinkExpiration": "2024-12-31T23:59:59Z",
  "businessLegalName": "Example Subsidiary"
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

POST

clients

Create subsidiary

curl --request POST \
  --url https://api.conduit.financial/clients \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --header 'X-API-Secret: <api-key>' \
  --data '
{
  "businessLegalName": "Acme Corp",
  "country": "USA",
  "onboardingFlow": "direct",
  "businessInformation": {
    "hasDBA": false,
    "businessDescription": "Provider of industrial widgets and services",
    "isSubsidiary": false,
    "entityType": "Bank",
    "isOperating": true,
    "regulatorName": "FinCEN (Financial Crimes Enforcement Network)",
    "businessEntityType": "Corporation",
    "anticipatedMonthlyVolume": 50000,
    "expectedAverageDailyBalance": 250000,
    "registeredDate": "2024-01-01",
    "website": "https://acme.com",
    "email": "contact@acme.com",
    "phone": "+1234567890",
    "industry": "MSB/Payments Company",
    "taxIdentificationNumber": "123456789",
    "businessEntityId": "BE001",
    "naicsCode": "NAIS001",
    "isFinancialInstitution": false,
    "registeredAddress": {
      "streetLine1": "123 Business St",
      "city": "New York",
      "state": "NY",
      "postalCode": "10001",
      "country": "USA"
    },
    "operatingAddress": {
      "streetLine1": "456 Office Ave",
      "city": "New York",
      "state": "NY",
      "postalCode": "10002",
      "country": "USA"
    },
    "isStockExchangeListed": false,
    "accountPurpose": "Payments for Goods or Services",
    "accountPurposeDescription": "Payment processing for e-commerce transactions and vendor payouts",
    "highRiskIndustry": "Third-party / OBO payments",
    "highRiskIndustryDetails": "We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.",
    "hasNestedFlows": true,
    "nestedFlowDescription": "We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.",
    "certifiesOwnTreasuryUse": true,
    "keyGeographicBusinessCountries": [
      "USA",
      "CAN"
    ],
    "anticipatedTransactionsVolume": 1500,
    "usesBlockChainWallets": false,
    "sourceOfFunds": "Revenue From Products/Services",
    "productsOrServices": [
      "Cross-Border Payments"
    ],
    "isGeneratingRevenues": true,
    "revenueCoverage": "More than 50% of expenses and growing",
    "hasInstitutionalInvestors": true,
    "runwayDurationMonths": "More than 12 months",
    "cashOnHandUsd": 500000,
    "hasUsBankAccount": true,
    "deniedUsBankAccount": {
      "answer": true,
      "explanation": "Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time."
    },
    "businessAuditHistory": {
      "answer": true,
      "explanation": "Underwent tax audit by HMRC in 2021, resolved with no outstanding issues."
    },
    "ownersAuditHistory": {
      "answer": false,
      "explanation": "No owners audit history"
    },
    "pepInvolved": {
      "answer": false,
      "explanation": "No PEP involvement"
    },
    "hasAdvisor": true,
    "flowOfFundsDescription": "Funds are collected from customers via payment processing and disbursed to vendors and suppliers.",
    "termsOfServiceAcceptance": {
      "date": "2025-07-28",
      "ipAddress": "201.221.240.218",
      "isAuthenticated": true
    }
  }
}
'

import requests

url = "https://api.conduit.financial/clients"

payload = {
    "businessLegalName": "Acme Corp",
    "country": "USA",
    "onboardingFlow": "direct",
    "businessInformation": {
        "hasDBA": False,
        "businessDescription": "Provider of industrial widgets and services",
        "isSubsidiary": False,
        "entityType": "Bank",
        "isOperating": True,
        "regulatorName": "FinCEN (Financial Crimes Enforcement Network)",
        "businessEntityType": "Corporation",
        "anticipatedMonthlyVolume": 50000,
        "expectedAverageDailyBalance": 250000,
        "registeredDate": "2024-01-01",
        "website": "https://acme.com",
        "email": "contact@acme.com",
        "phone": "+1234567890",
        "industry": "MSB/Payments Company",
        "taxIdentificationNumber": "123456789",
        "businessEntityId": "BE001",
        "naicsCode": "NAIS001",
        "isFinancialInstitution": False,
        "registeredAddress": {
            "streetLine1": "123 Business St",
            "city": "New York",
            "state": "NY",
            "postalCode": "10001",
            "country": "USA"
        },
        "operatingAddress": {
            "streetLine1": "456 Office Ave",
            "city": "New York",
            "state": "NY",
            "postalCode": "10002",
            "country": "USA"
        },
        "isStockExchangeListed": False,
        "accountPurpose": "Payments for Goods or Services",
        "accountPurposeDescription": "Payment processing for e-commerce transactions and vendor payouts",
        "highRiskIndustry": "Third-party / OBO payments",
        "highRiskIndustryDetails": "We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.",
        "hasNestedFlows": True,
        "nestedFlowDescription": "We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.",
        "certifiesOwnTreasuryUse": True,
        "keyGeographicBusinessCountries": ["USA", "CAN"],
        "anticipatedTransactionsVolume": 1500,
        "usesBlockChainWallets": False,
        "sourceOfFunds": "Revenue From Products/Services",
        "productsOrServices": ["Cross-Border Payments"],
        "isGeneratingRevenues": True,
        "revenueCoverage": "More than 50% of expenses and growing",
        "hasInstitutionalInvestors": True,
        "runwayDurationMonths": "More than 12 months",
        "cashOnHandUsd": 500000,
        "hasUsBankAccount": True,
        "deniedUsBankAccount": {
            "answer": True,
            "explanation": "Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time."
        },
        "businessAuditHistory": {
            "answer": True,
            "explanation": "Underwent tax audit by HMRC in 2021, resolved with no outstanding issues."
        },
        "ownersAuditHistory": {
            "answer": False,
            "explanation": "No owners audit history"
        },
        "pepInvolved": {
            "answer": False,
            "explanation": "No PEP involvement"
        },
        "hasAdvisor": True,
        "flowOfFundsDescription": "Funds are collected from customers via payment processing and disbursed to vendors and suppliers.",
        "termsOfServiceAcceptance": {
            "date": "2025-07-28",
            "ipAddress": "201.221.240.218",
            "isAuthenticated": True
        }
    }
}
headers = {
    "X-API-Key": "<api-key>",
    "X-API-Secret": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-API-Key': '<api-key>',
    'X-API-Secret': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    businessLegalName: 'Acme Corp',
    country: 'USA',
    onboardingFlow: 'direct',
    businessInformation: {
      hasDBA: false,
      businessDescription: 'Provider of industrial widgets and services',
      isSubsidiary: false,
      entityType: 'Bank',
      isOperating: true,
      regulatorName: 'FinCEN (Financial Crimes Enforcement Network)',
      businessEntityType: 'Corporation',
      anticipatedMonthlyVolume: 50000,
      expectedAverageDailyBalance: 250000,
      registeredDate: '2024-01-01',
      website: 'https://acme.com',
      email: 'contact@acme.com',
      phone: '+1234567890',
      industry: 'MSB/Payments Company',
      taxIdentificationNumber: '123456789',
      businessEntityId: 'BE001',
      naicsCode: 'NAIS001',
      isFinancialInstitution: false,
      registeredAddress: {
        streetLine1: '123 Business St',
        city: 'New York',
        state: 'NY',
        postalCode: '10001',
        country: 'USA'
      },
      operatingAddress: {
        streetLine1: '456 Office Ave',
        city: 'New York',
        state: 'NY',
        postalCode: '10002',
        country: 'USA'
      },
      isStockExchangeListed: false,
      accountPurpose: 'Payments for Goods or Services',
      accountPurposeDescription: 'Payment processing for e-commerce transactions and vendor payouts',
      highRiskIndustry: 'Third-party / OBO payments',
      highRiskIndustryDetails: 'We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.',
      hasNestedFlows: true,
      nestedFlowDescription: 'We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.',
      certifiesOwnTreasuryUse: true,
      keyGeographicBusinessCountries: ['USA', 'CAN'],
      anticipatedTransactionsVolume: 1500,
      usesBlockChainWallets: false,
      sourceOfFunds: 'Revenue From Products/Services',
      productsOrServices: ['Cross-Border Payments'],
      isGeneratingRevenues: true,
      revenueCoverage: 'More than 50% of expenses and growing',
      hasInstitutionalInvestors: true,
      runwayDurationMonths: 'More than 12 months',
      cashOnHandUsd: 500000,
      hasUsBankAccount: true,
      deniedUsBankAccount: {
        answer: true,
        explanation: 'Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.'
      },
      businessAuditHistory: {
        answer: true,
        explanation: 'Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.'
      },
      ownersAuditHistory: {answer: false, explanation: 'No owners audit history'},
      pepInvolved: {answer: false, explanation: 'No PEP involvement'},
      hasAdvisor: true,
      flowOfFundsDescription: 'Funds are collected from customers via payment processing and disbursed to vendors and suppliers.',
      termsOfServiceAcceptance: {date: '2025-07-28', ipAddress: '201.221.240.218', isAuthenticated: true}
    }
  })
};

fetch('https://api.conduit.financial/clients', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.conduit.financial/clients",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'businessLegalName' => 'Acme Corp',
    'country' => 'USA',
    'onboardingFlow' => 'direct',
    'businessInformation' => [
        'hasDBA' => false,
        'businessDescription' => 'Provider of industrial widgets and services',
        'isSubsidiary' => false,
        'entityType' => 'Bank',
        'isOperating' => true,
        'regulatorName' => 'FinCEN (Financial Crimes Enforcement Network)',
        'businessEntityType' => 'Corporation',
        'anticipatedMonthlyVolume' => 50000,
        'expectedAverageDailyBalance' => 250000,
        'registeredDate' => '2024-01-01',
        'website' => 'https://acme.com',
        'email' => 'contact@acme.com',
        'phone' => '+1234567890',
        'industry' => 'MSB/Payments Company',
        'taxIdentificationNumber' => '123456789',
        'businessEntityId' => 'BE001',
        'naicsCode' => 'NAIS001',
        'isFinancialInstitution' => false,
        'registeredAddress' => [
                'streetLine1' => '123 Business St',
                'city' => 'New York',
                'state' => 'NY',
                'postalCode' => '10001',
                'country' => 'USA'
        ],
        'operatingAddress' => [
                'streetLine1' => '456 Office Ave',
                'city' => 'New York',
                'state' => 'NY',
                'postalCode' => '10002',
                'country' => 'USA'
        ],
        'isStockExchangeListed' => false,
        'accountPurpose' => 'Payments for Goods or Services',
        'accountPurposeDescription' => 'Payment processing for e-commerce transactions and vendor payouts',
        'highRiskIndustry' => 'Third-party / OBO payments',
        'highRiskIndustryDetails' => 'We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.',
        'hasNestedFlows' => true,
        'nestedFlowDescription' => 'We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.',
        'certifiesOwnTreasuryUse' => true,
        'keyGeographicBusinessCountries' => [
                'USA',
                'CAN'
        ],
        'anticipatedTransactionsVolume' => 1500,
        'usesBlockChainWallets' => false,
        'sourceOfFunds' => 'Revenue From Products/Services',
        'productsOrServices' => [
                'Cross-Border Payments'
        ],
        'isGeneratingRevenues' => true,
        'revenueCoverage' => 'More than 50% of expenses and growing',
        'hasInstitutionalInvestors' => true,
        'runwayDurationMonths' => 'More than 12 months',
        'cashOnHandUsd' => 500000,
        'hasUsBankAccount' => true,
        'deniedUsBankAccount' => [
                'answer' => true,
                'explanation' => 'Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.'
        ],
        'businessAuditHistory' => [
                'answer' => true,
                'explanation' => 'Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.'
        ],
        'ownersAuditHistory' => [
                'answer' => false,
                'explanation' => 'No owners audit history'
        ],
        'pepInvolved' => [
                'answer' => false,
                'explanation' => 'No PEP involvement'
        ],
        'hasAdvisor' => true,
        'flowOfFundsDescription' => 'Funds are collected from customers via payment processing and disbursed to vendors and suppliers.',
        'termsOfServiceAcceptance' => [
                'date' => '2025-07-28',
                'ipAddress' => '201.221.240.218',
                'isAuthenticated' => true
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-API-Key: <api-key>",
    "X-API-Secret: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.conduit.financial/clients"

	payload := strings.NewReader("{\n  \"businessLegalName\": \"Acme Corp\",\n  \"country\": \"USA\",\n  \"onboardingFlow\": \"direct\",\n  \"businessInformation\": {\n    \"hasDBA\": false,\n    \"businessDescription\": \"Provider of industrial widgets and services\",\n    \"isSubsidiary\": false,\n    \"entityType\": \"Bank\",\n    \"isOperating\": true,\n    \"regulatorName\": \"FinCEN (Financial Crimes Enforcement Network)\",\n    \"businessEntityType\": \"Corporation\",\n    \"anticipatedMonthlyVolume\": 50000,\n    \"expectedAverageDailyBalance\": 250000,\n    \"registeredDate\": \"2024-01-01\",\n    \"website\": \"https://acme.com\",\n    \"email\": \"contact@acme.com\",\n    \"phone\": \"+1234567890\",\n    \"industry\": \"MSB/Payments Company\",\n    \"taxIdentificationNumber\": \"123456789\",\n    \"businessEntityId\": \"BE001\",\n    \"naicsCode\": \"NAIS001\",\n    \"isFinancialInstitution\": false,\n    \"registeredAddress\": {\n      \"streetLine1\": \"123 Business St\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10001\",\n      \"country\": \"USA\"\n    },\n    \"operatingAddress\": {\n      \"streetLine1\": \"456 Office Ave\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10002\",\n      \"country\": \"USA\"\n    },\n    \"isStockExchangeListed\": false,\n    \"accountPurpose\": \"Payments for Goods or Services\",\n    \"accountPurposeDescription\": \"Payment processing for e-commerce transactions and vendor payouts\",\n    \"highRiskIndustry\": \"Third-party / OBO payments\",\n    \"highRiskIndustryDetails\": \"We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.\",\n    \"hasNestedFlows\": true,\n    \"nestedFlowDescription\": \"We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.\",\n    \"certifiesOwnTreasuryUse\": true,\n    \"keyGeographicBusinessCountries\": [\n      \"USA\",\n      \"CAN\"\n    ],\n    \"anticipatedTransactionsVolume\": 1500,\n    \"usesBlockChainWallets\": false,\n    \"sourceOfFunds\": \"Revenue From Products/Services\",\n    \"productsOrServices\": [\n      \"Cross-Border Payments\"\n    ],\n    \"isGeneratingRevenues\": true,\n    \"revenueCoverage\": \"More than 50% of expenses and growing\",\n    \"hasInstitutionalInvestors\": true,\n    \"runwayDurationMonths\": \"More than 12 months\",\n    \"cashOnHandUsd\": 500000,\n    \"hasUsBankAccount\": true,\n    \"deniedUsBankAccount\": {\n      \"answer\": true,\n      \"explanation\": \"Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.\"\n    },\n    \"businessAuditHistory\": {\n      \"answer\": true,\n      \"explanation\": \"Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.\"\n    },\n    \"ownersAuditHistory\": {\n      \"answer\": false,\n      \"explanation\": \"No owners audit history\"\n    },\n    \"pepInvolved\": {\n      \"answer\": false,\n      \"explanation\": \"No PEP involvement\"\n    },\n    \"hasAdvisor\": true,\n    \"flowOfFundsDescription\": \"Funds are collected from customers via payment processing and disbursed to vendors and suppliers.\",\n    \"termsOfServiceAcceptance\": {\n      \"date\": \"2025-07-28\",\n      \"ipAddress\": \"201.221.240.218\",\n      \"isAuthenticated\": true\n    }\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-API-Key", "<api-key>")
	req.Header.Add("X-API-Secret", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.conduit.financial/clients")
  .header("X-API-Key", "<api-key>")
  .header("X-API-Secret", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"businessLegalName\": \"Acme Corp\",\n  \"country\": \"USA\",\n  \"onboardingFlow\": \"direct\",\n  \"businessInformation\": {\n    \"hasDBA\": false,\n    \"businessDescription\": \"Provider of industrial widgets and services\",\n    \"isSubsidiary\": false,\n    \"entityType\": \"Bank\",\n    \"isOperating\": true,\n    \"regulatorName\": \"FinCEN (Financial Crimes Enforcement Network)\",\n    \"businessEntityType\": \"Corporation\",\n    \"anticipatedMonthlyVolume\": 50000,\n    \"expectedAverageDailyBalance\": 250000,\n    \"registeredDate\": \"2024-01-01\",\n    \"website\": \"https://acme.com\",\n    \"email\": \"contact@acme.com\",\n    \"phone\": \"+1234567890\",\n    \"industry\": \"MSB/Payments Company\",\n    \"taxIdentificationNumber\": \"123456789\",\n    \"businessEntityId\": \"BE001\",\n    \"naicsCode\": \"NAIS001\",\n    \"isFinancialInstitution\": false,\n    \"registeredAddress\": {\n      \"streetLine1\": \"123 Business St\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10001\",\n      \"country\": \"USA\"\n    },\n    \"operatingAddress\": {\n      \"streetLine1\": \"456 Office Ave\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10002\",\n      \"country\": \"USA\"\n    },\n    \"isStockExchangeListed\": false,\n    \"accountPurpose\": \"Payments for Goods or Services\",\n    \"accountPurposeDescription\": \"Payment processing for e-commerce transactions and vendor payouts\",\n    \"highRiskIndustry\": \"Third-party / OBO payments\",\n    \"highRiskIndustryDetails\": \"We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.\",\n    \"hasNestedFlows\": true,\n    \"nestedFlowDescription\": \"We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.\",\n    \"certifiesOwnTreasuryUse\": true,\n    \"keyGeographicBusinessCountries\": [\n      \"USA\",\n      \"CAN\"\n    ],\n    \"anticipatedTransactionsVolume\": 1500,\n    \"usesBlockChainWallets\": false,\n    \"sourceOfFunds\": \"Revenue From Products/Services\",\n    \"productsOrServices\": [\n      \"Cross-Border Payments\"\n    ],\n    \"isGeneratingRevenues\": true,\n    \"revenueCoverage\": \"More than 50% of expenses and growing\",\n    \"hasInstitutionalInvestors\": true,\n    \"runwayDurationMonths\": \"More than 12 months\",\n    \"cashOnHandUsd\": 500000,\n    \"hasUsBankAccount\": true,\n    \"deniedUsBankAccount\": {\n      \"answer\": true,\n      \"explanation\": \"Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.\"\n    },\n    \"businessAuditHistory\": {\n      \"answer\": true,\n      \"explanation\": \"Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.\"\n    },\n    \"ownersAuditHistory\": {\n      \"answer\": false,\n      \"explanation\": \"No owners audit history\"\n    },\n    \"pepInvolved\": {\n      \"answer\": false,\n      \"explanation\": \"No PEP involvement\"\n    },\n    \"hasAdvisor\": true,\n    \"flowOfFundsDescription\": \"Funds are collected from customers via payment processing and disbursed to vendors and suppliers.\",\n    \"termsOfServiceAcceptance\": {\n      \"date\": \"2025-07-28\",\n      \"ipAddress\": \"201.221.240.218\",\n      \"isAuthenticated\": true\n    }\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.conduit.financial/clients")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["X-API-Secret"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"businessLegalName\": \"Acme Corp\",\n  \"country\": \"USA\",\n  \"onboardingFlow\": \"direct\",\n  \"businessInformation\": {\n    \"hasDBA\": false,\n    \"businessDescription\": \"Provider of industrial widgets and services\",\n    \"isSubsidiary\": false,\n    \"entityType\": \"Bank\",\n    \"isOperating\": true,\n    \"regulatorName\": \"FinCEN (Financial Crimes Enforcement Network)\",\n    \"businessEntityType\": \"Corporation\",\n    \"anticipatedMonthlyVolume\": 50000,\n    \"expectedAverageDailyBalance\": 250000,\n    \"registeredDate\": \"2024-01-01\",\n    \"website\": \"https://acme.com\",\n    \"email\": \"contact@acme.com\",\n    \"phone\": \"+1234567890\",\n    \"industry\": \"MSB/Payments Company\",\n    \"taxIdentificationNumber\": \"123456789\",\n    \"businessEntityId\": \"BE001\",\n    \"naicsCode\": \"NAIS001\",\n    \"isFinancialInstitution\": false,\n    \"registeredAddress\": {\n      \"streetLine1\": \"123 Business St\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10001\",\n      \"country\": \"USA\"\n    },\n    \"operatingAddress\": {\n      \"streetLine1\": \"456 Office Ave\",\n      \"city\": \"New York\",\n      \"state\": \"NY\",\n      \"postalCode\": \"10002\",\n      \"country\": \"USA\"\n    },\n    \"isStockExchangeListed\": false,\n    \"accountPurpose\": \"Payments for Goods or Services\",\n    \"accountPurposeDescription\": \"Payment processing for e-commerce transactions and vendor payouts\",\n    \"highRiskIndustry\": \"Third-party / OBO payments\",\n    \"highRiskIndustryDetails\": \"We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.\",\n    \"hasNestedFlows\": true,\n    \"nestedFlowDescription\": \"We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.\",\n    \"certifiesOwnTreasuryUse\": true,\n    \"keyGeographicBusinessCountries\": [\n      \"USA\",\n      \"CAN\"\n    ],\n    \"anticipatedTransactionsVolume\": 1500,\n    \"usesBlockChainWallets\": false,\n    \"sourceOfFunds\": \"Revenue From Products/Services\",\n    \"productsOrServices\": [\n      \"Cross-Border Payments\"\n    ],\n    \"isGeneratingRevenues\": true,\n    \"revenueCoverage\": \"More than 50% of expenses and growing\",\n    \"hasInstitutionalInvestors\": true,\n    \"runwayDurationMonths\": \"More than 12 months\",\n    \"cashOnHandUsd\": 500000,\n    \"hasUsBankAccount\": true,\n    \"deniedUsBankAccount\": {\n      \"answer\": true,\n      \"explanation\": \"Application was denied by XYZ Bank in 2022 due to insufficient documentation at the time.\"\n    },\n    \"businessAuditHistory\": {\n      \"answer\": true,\n      \"explanation\": \"Underwent tax audit by HMRC in 2021, resolved with no outstanding issues.\"\n    },\n    \"ownersAuditHistory\": {\n      \"answer\": false,\n      \"explanation\": \"No owners audit history\"\n    },\n    \"pepInvolved\": {\n      \"answer\": false,\n      \"explanation\": \"No PEP involvement\"\n    },\n    \"hasAdvisor\": true,\n    \"flowOfFundsDescription\": \"Funds are collected from customers via payment processing and disbursed to vendors and suppliers.\",\n    \"termsOfServiceAcceptance\": {\n      \"date\": \"2025-07-28\",\n      \"ipAddress\": \"201.221.240.218\",\n      \"isAuthenticated\": true\n    }\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "onboardingFlow": "kyb_link",
  "id": "client_2ofTA13AD0xBtbEvBl20aEb1hEu",
  "kybLink": "https://example.com/kyb/verify/abc123",
  "kybLinkExpiration": "2024-12-31T23:59:59Z",
  "businessLegalName": "Example Subsidiary"
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

{
  "errors": [
    {
      "detail": "<string>",
      "code": "<string>"
    }
  ]
}

Authorizations

X-API-Key

string

header

required

Includes an API key in the HTTP headers to authenticate the client.

X-API-Secret

string

header

required

Includes an API secret in the HTTP headers to authenticate the client.

Body

application/json

Option 1
Option 2

Create Customer Request

businessLegalName

string

required

The legal name of the business

Minimum string length: 1

country

string

required

The country where the business is located

Required string length: 3

onboardingFlow

enum<string>

required

Available options:

direct

businessInformation

object

required

Basic business information required for customer creation.

Conditional Field Requirements:

businessTradeName: Required when hasDBA is true
describeIndustry: Required when industry is Other
regulatorName, regulatoryLicenseNumber, hasIndependentAmlAuditReport: Required when isFinancialInstitution is true
regulatoryAuthorityOther: Required when regulatorName is Other
flowOfFundsDescription: Required when isFinancialInstitution is false
stockExchange and tickerSymbol: Required when isStockExchangeListed is true
stockExchangeOther: Required when stockExchange is Other
accountPurposeDescription: Required when accountPurpose is Payments for Goods or Services
highRiskIndustryDetails: Required when highRiskIndustry is not None
nestedFlowDescription: Required when hasNestedFlows is true
blockchainWallets: Required when usesBlockChainWallets is true
revenueCoverage: Required when isGeneratingRevenues is true
revenueCoverageExplanation: Required when revenueCoverage is Less than 25% of expenses
runwayDurationExplanation: Required when runwayDurationMonths is less than 12 months
deniedUsBankAccount: Required when hasUsBankAccount is false

See individual field descriptions for more details.

Show child attributes

Example:

{
  "hasDBA": false,
  "businessTradeName": "Acme Corp",
  "industry": "Forex/Currency Exchange Provider",
  "entityType": "Bank",
  "website": "https://acme.com",
  "registeredDate": "2024-01-01",
  "email": "contact@acme.com",
  "phone": "+1234567890",
  "taxIdentificationNumber": "123456789",
  "taxClassification": "LLC",
  "businessEntityId": "BE001",
  "naicsCode": "NAIS001",
  "isFinancialInstitution": false,
  "registeredAddress": {
    "streetLine1": "123 Business St",
    "streetLine2": "Suite 100",
    "city": "New York",
    "state": "NY",
    "postalCode": "10001",
    "country": "USA"
  },
  "operatingAddress": {
    "streetLine1": "456 Office Ave",
    "city": "New York",
    "state": "NY",
    "postalCode": "10002",
    "country": "USA"
  },
  "mailingAddress": {
    "streetLine1": "789 Mailing Rd",
    "city": "New York",
    "state": "NY",
    "postalCode": "10003",
    "country": "USA"
  },
  "isSubsidiary": false,
  "isOperating": true,
  "entityTaxedAs": "Corporation",
  "anticipatedMonthlyVolume": 100000,
  "expectedAverageDailyBalance": 250000,
  "regulatorName": "FinCEN (Financial Crimes Enforcement Network)",
  "regulatoryLicenseNumber": "FIN-2024-12345",
  "hasAdvisor": true,
  "businessDescription": "Provider of industrial widgets and services",
  "hasIndependentAmlAuditReport": {
    "answer": false,
    "explanation": "Our company was incorporated recently and is in the process of establishing formal compliance procedures.",
    "timeline": "We plan to engage an independent auditor within the next 6 months to conduct our first AML compliance audit."
  },
  "businessEntityType": "Corporation",
  "isStockExchangeListed": false,
  "accountPurpose": "Payroll/ Employee Payouts",
  "highRiskIndustry": "Third-party / OBO payments",
  "highRiskIndustryDetails": "We facilitate payments for gig economy platforms, primarily for food delivery and ride-sharing services.",
  "hasNestedFlows": true,
  "nestedFlowDescription": "We manage escrow accounts for multiple vendors and process vendor payouts on behalf of our platform customers.",
  "certifiesOwnTreasuryUse": true,
  "keyGeographicBusinessCountries": ["USA", "CAN"],
  "anticipatedTransactionsVolume": 1500,
  "usesBlockChainWallets": true,
  "blockchainWallets": [
    {
      "walletAddress": "0x742d35Cc6634C0532925a3b844Bc454e4438f44e",
      "associatedPlatformType": "exchange",
      "associatedPlatformName": "Binance"
    },
    {
      "walletAddress": "bc1qxy2kgdygjrsqtzq2n0yrf2493p83kkfjhx0wlh",
      "associatedPlatformType": "custodian",
      "associatedPlatformName": "Fireblocks"
    },
    {
      "walletAddress": "TNVp4w8jH8J9Z6G1B5Q4R8P7K6J5H3D2F1",
      "associatedPlatformType": "self_custodied",
      "associatedPlatformName": "Company Treasury Wallet"
    }
  ],
  "sourceOfFunds": "Venture Capital (VC)/Private Equity",
  "productsOrServices": [
    "Technology / SaaS Provider",
    "Sale of Goods / Non-Financial Services"
  ],
  "isGeneratingRevenues": true,
  "revenueCoverage": "More than 50% of expenses and growing",
  "hasInstitutionalInvestors": true,
  "runwayDurationMonths": "More than 12 months",
  "cashOnHandUsd": 500000,
  "flowOfFundsDescription": "Funds are collected from institutional clients via wire transfers, processed through our custody accounts, and disbursed to beneficiaries via ACH and wire transfers based on client instructions.",
  "termsOfServiceAcceptance": {
    "date": "2025-07-28",
    "ipAddress": "201.221.240.218",
    "isAuthenticated": true
  }
}

orgId

string

isSubsidiary

boolean

kybSetupBy

enum<string>

Available options:

client

Response

The created client (subsidiary)

Option 1
Option 2

Subsidiary creation response. Response shape depends on the onboardingFlow used in the request.

onboardingFlow

enum<string>

required

Available options:

kyb_link

kybLink

string

required

Minimum string length: 1

kybLinkExpiration

string<date-time>

required

string

required

A valid Client ID

Pattern: ^client_[a-zA-Z0-9]{27}$

Example:

"client_2ofTA13AD0xBtbEvBl20aEb1hEu"

businessLegalName

string

required

Minimum string length: 1

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