> ## Documentation Index > Fetch the complete documentation index at: https://docs.conduit.financial/llms.txt > Use this file to discover all available pages before exploring further. # Create a customer > Create a new customer with explicit onboarding flow selection. Use onboardingFlow: "kyb_link" for third-party verification or onboardingFlow: "direct" for API-managed onboarding. ## OpenAPI ````yaml https://api.conduit.financial/api-docs/2024-12-01/openapi-external.yaml?mode=dynamic post /customers openapi: 3.0.2 info: version: '2024-12-01' title: Conduit API description: The Conduit Financial API contact: name: Conduit Support email: conduit@conduit.fi servers: - url: https://api.conduit.financial description: The Conduit API live environment - url: https://api.sandbox.conduit.financial description: The Conduit API Sandbox environment security: [] tags: - name: Accounts description: | Endpoints dealing with accounts. - name: Counterparties description: | Endpoints dealing with counterparties information. - name: Quotes description: | Endpoints dealing with quotes. - name: Transactions description: | Endpoints dealing with transactions. - name: Documents description: | Endpoints dealing with documents. - name: Customers description: | Endpoints dealing with customer information. paths: /customers: post: tags: - Customers summary: Create a customer description: >- Create a new customer with explicit onboarding flow selection. Use onboardingFlow: "kyb_link" for third-party verification or onboardingFlow: "direct" for API-managed onboarding. operationId: createCustomer requestBody: content: application/json: schema: $ref: '#/components/schemas/CreateCustomerRequest' examples: Direct Onboarding: summary: Direct Onboarding (API-first) value: 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 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: 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: false anticipatedMonthlyVolume: 50000 expectedAverageDailyBalance: 250000 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 Hosted Onboarding: summary: Hosted Onboarding (KYB Link) value: businessLegalName: Acme Corporation Inc. country: USA onboardingFlow: kyb_link responses: '201': description: Customer created successfully content: application/json: schema: $ref: '#/components/schemas/CreateCustomerResponse' examples: Direct Onboarding: summary: Direct Onboarding Response value: onboardingFlow: direct id: cus_2ofTA13AD0xBtbEvBl20aEb1hEu status: created businessLegalName: Example Business Hosted Onboarding: summary: Hosted Onboarding Response value: onboardingFlow: kyb_link id: cus_2ofTA13AD0xBtbEvBl20aEb1hEu kybLink: https://example.com/kyb/verify/abc123 kybLinkExpiration: '2024-12-31T23:59:59Z' businessLegalName: Example Business '400': description: Input validation error content: application/json: schema: $ref: '#/components/schemas/BadRequestErrorResponse' '401': description: Authentication error content: application/json: schema: $ref: '#/components/schemas/BadRequestErrorResponse' '403': description: Authorization error content: application/json: schema: $ref: '#/components/schemas/ForbiddenErrorResponse' '415': description: Unsupported media type error content: application/json: schema: $ref: '#/components/schemas/UnsupportedMediaTypeErrorResponse' '429': description: Throttling error content: application/json: schema: $ref: '#/components/schemas/TooManyRequestsErrorResponse' '500': description: Internal Server error content: application/json: schema: $ref: '#/components/schemas/InternalServerErrorResponse' security: - apiKey: [] apiSecret: [] components: schemas: CreateCustomerRequest: oneOf: - $ref: '#/components/schemas/DirectCreateCustomerRequest' - $ref: '#/components/schemas/KybLinkCreateCustomerRequest' discriminator: propertyName: onboardingFlow mapping: direct: $ref: '#/components/schemas/DirectCreateCustomerRequest' kyb_link: $ref: '#/components/schemas/KybLinkCreateCustomerRequest' description: Create Customer Request example: 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 CreateCustomerResponse: oneOf: - $ref: '#/components/schemas/CreateCustomerKybLinkResponse' - $ref: '#/components/schemas/CreateCustomerDirectResponse' discriminator: propertyName: onboardingFlow mapping: kyb_link: $ref: '#/components/schemas/CreateCustomerKybLinkResponse' direct: $ref: '#/components/schemas/CreateCustomerDirectResponse' description: >- Customer creation response. Response shape depends on the onboardingFlow used in the request. BadRequestErrorResponse: type: object properties: errors: type: array items: type: object properties: detail: type: string code: type: string required: - detail - code required: - errors ForbiddenErrorResponse: type: object properties: errors: type: array items: type: object properties: detail: type: string code: type: string required: - detail - code required: - errors UnsupportedMediaTypeErrorResponse: type: object properties: errors: type: array items: type: object properties: detail: type: string code: type: string required: - detail - code required: - errors TooManyRequestsErrorResponse: type: object properties: errors: type: array items: type: object properties: detail: type: string code: type: string required: - detail - code required: - errors InternalServerErrorResponse: type: object properties: errors: type: array items: type: object properties: detail: type: string code: type: string required: - detail - code required: - errors DirectCreateCustomerRequest: type: object properties: orgId: type: string businessLegalName: type: string minLength: 1 description: The legal name of the business country: type: string minLength: 3 maxLength: 3 description: The country where the business is located isSubsidiary: type: boolean kybSetupBy: type: string enum: - client onboardingFlow: type: string enum: - direct businessInformation: $ref: '#/components/schemas/BusinessInformation' required: - businessLegalName - country - onboardingFlow - businessInformation description: Direct Customer Onboarding Request example: 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 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: 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: false anticipatedMonthlyVolume: 50000 expectedAverageDailyBalance: 250000 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 KybLinkCreateCustomerRequest: type: object properties: orgId: type: string businessLegalName: type: string minLength: 1 description: The legal name of the business country: type: string minLength: 3 maxLength: 3 description: The country where the business is located isSubsidiary: type: boolean kybSetupBy: type: string enum: - client onboardingFlow: type: string enum: - kyb_link businessInformation: nullable: true required: - businessLegalName - country - onboardingFlow description: Hosted KYB Link Onboarding Request example: businessLegalName: Acme Corporation Inc. country: USA onboardingFlow: kyb_link CreateCustomerKybLinkResponse: type: object properties: onboardingFlow: type: string enum: - kyb_link kybLink: type: string minLength: 1 kybLinkExpiration: type: string format: date-time id: $ref: '#/components/schemas/CustomerId' businessLegalName: type: string minLength: 1 required: - onboardingFlow - kybLink - kybLinkExpiration - id - businessLegalName description: Customer creation response for KYB link flow example: onboardingFlow: kyb_link id: cus_2ofTA13AD0xBtbEvBl20aEb1hEu kybLink: https://example.com/kyb/verify/abc123 kybLinkExpiration: '2024-12-31T23:59:59Z' businessLegalName: Example Business CreateCustomerDirectResponse: type: object properties: onboardingFlow: type: string enum: - direct id: $ref: '#/components/schemas/CustomerId' status: $ref: '#/components/schemas/PublicCustomerStatus' businessLegalName: type: string minLength: 1 required: - onboardingFlow - id - status - businessLegalName description: Customer creation response for direct onboarding flow example: onboardingFlow: direct id: cus_2ofTA13AD0xBtbEvBl20aEb1hEu status: created businessLegalName: Example Business BusinessInformation: type: object properties: hasDBA: type: boolean description: Does your business operate under a DBA (Doing Business As) name? businessTradeName: type: string description: >- Business trade name (DBA name). **Required when `hasDBA` is `true`**. registeredDate: type: string minLength: 1 pattern: ^\d{4}-(0[1-9]|1[0-2])-(0[1-9]|[12]\d|3[01])$ website: type: string minLength: 5 format: uri industry: type: string enum: - General Commercial/Operating Entity - Consulting/Advisory - Accounting and Auditing - Bank/Deposit-Taking Institution - Broker-Dealer/Securities Firm - Asset Manager/Investment Advisor - Private Investment Fund - MSB/Payments Company - Lending Platform/Credit Provider - Credit Card Companies (Issuers & Merchant Services) - Marketplace/Platform Operator - Insurance Company - Legal Services - Government Entity/Public Sector - Non-Profit/Charity - Holding Company/Family Office/Investment Vehicle - Trust and Company Service Providers (TCSPs) - Casino/Gambling Operator - Real Estate Company - Precious Metals/Stones - Art & Antiquities - Crypto/Digital Asset Business (VASP) - Travel Agency/Tour Operator - Crowd Funding Platform - Forex/Currency Exchange Provider - Import/Export/Trading Company - Freight Forwarding/Shipping Company - Pharmaceutical/Healthcare Company - Construction/Development Firm - Automobile Dealerships - Informal Remittance Systems (Hawala, etc) - Other description: Industry type describeIndustry: type: string description: >- Please describe your industry. **Required when `industry` is set to `Other`**. email: type: string format: email phone: type: string minLength: 1 pattern: ^\+[1-9]\d{1,14}$ taxIdentificationNumber: type: string minLength: 1 businessEntityId: type: string minLength: 1 isFinancialInstitution: type: boolean registeredAddress: $ref: '#/components/schemas/Address' operatingAddress: $ref: '#/components/schemas/Address' entityType: $ref: '#/components/schemas/EntityType' mailingAddress: $ref: '#/components/schemas/Address' isSubsidiary: type: boolean isOperating: type: boolean naicsCode: type: string entityTaxedAs: type: string enum: - LLC - Corporation - Partnership - Sole Proprietor - Foundation - Cooperative - Government Entity - Nonprofit - Trust - Other anticipatedMonthlyVolume: type: number description: Anticipated average monthly transaction volume (USD) expectedAverageDailyBalance: type: number description: Expected average daily balance (USD) taxClassification: type: string regulatorName: type: string enum: - FinCEN (Financial Crimes Enforcement Network) - FCA (Financial Conduct Authority) - >- FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) - Local FIUs + National regulators (e.g., BaFin, ACPR, CNMV) - MAS (Monetary Authority of Singapore) - AUSTRAC (Australian Transaction Reports and Analysis Centre) - FSA (Financial Services Agency) - FINMA (Swiss Financial Market Supervisory Authority) - HKMA (Hong Kong Monetary Authority) - FSRA (Financial Services Regulatory Authority) - CNBV (Comisión Nacional Bancaria y de Valores) - BACEN (Central Bank of Brazil) - RBI (Reserve Bank of India) - FSCA (Financial Sector Conduct Authority) - SEC Nigeria (Securities and Exchange Commission - Nigeria) - CBK (Central Bank of Kenya) - BSP (Bangko Sentral ng Pilipinas) - UIAF (Unidad de Información y Análisis Financiero) - UIF Argentina - BNM (Bank Negara Malaysia) - OJK (Financial Services Authority of Indonesia) - SECP (Securities and Exchange Commission Pakistan) - BoG (Bank of Ghana) - MASAK (Financial Crimes Investigation Board) - Superintendencia de Bancos - FSC (Financial Services Commission) - DFSA (Dubai Financial Services Authority) - >- COAF – Conselho de Controle de Atividades Financeiras (Financial Intelligence Unit for AML) - FIU-IND (Financial Intelligence Unit – India) - >- CBN (Central Bank of Nigeria – regulator for banks and payments institutions) - FRC Kenya (Financial Reporting Centre) - AMLC (Anti-Money Laundering Council – Philippines) - FIC (Financial Intelligence Centre – Ghana) - UIF (Unidad de Inteligencia Financiera) - CIMA (Cayman Islands Monetary Authority) - SBP (State Bank of Pakistan) - Other description: >- Regulatory authority overseeing this financial institution. **Required when `isFinancialInstitution` is `true`**. regulatoryAuthorityOther: type: string description: >- Please provide "Other" regulatory body. **Required when `regulatorName` is set to `Other`**. regulatoryLicenseNumber: type: string description: >- License Number or Registration ID. **Required when `isFinancialInstitution` is `true`**. hasAdvisor: type: boolean businessDescription: type: string minLength: 5 businessEntityType: type: string enum: - LLC - Corporation - Partnership - Sole Proprietor - Foundation - Cooperative - Government Entity - Nonprofit - Trust - Other isStockExchangeListed: type: boolean description: Is your company publicly listed on a recognized stock exchange? stockExchange: type: string enum: - NASDAQ (U.S.) - NYSE (New York Stock Exchange) - LSE (London Stock Exchange) - TSX (Toronto Stock Exchange) - SIX Swiss Exchange - Euronext (Paris, Amsterdam, Brussels) - Deutsche Börse (Frankfurt) - HKEX (Hong Kong Exchange) - SGX (Singapore Exchange) - ASX (Australian Securities Exchange) - TSE (Tokyo Stock Exchange) - Other description: >- Which stock exchange is your company listed on? **Required when `isStockExchangeListed` is `true`**. stockExchangeOther: type: string description: >- Please specify the stock exchange. **Required when `stockExchange` is set to `Other`**. tickerSymbol: type: string description: >- What is your company's ticker symbol? **Required when `isStockExchangeListed` is `true`**. accountPurpose: type: string enum: - Payroll/ Employee Payouts - Payments for Goods or Services - Marketplace/ Gig Worker Payouts - Internal Treasury or FX Management - Disbursement of Customer Funds description: What is the purpose of this account with Conduit accountPurposeDescription: type: string description: >- Please describe the goods or services you intend to pay for using this account. **Required when `accountPurpose` is set to `Payments for Goods or Services`**. highRiskIndustry: type: string enum: - Third-party / OBO payments - Gambling / Betting - Adult Services / Content - Cannabis / Regulated Substances - NPO / Charity / Political - Cash-intensive Retail - Weapons / Arms - Shell Company - Offshore Structure - Precious Metals / Stones - Art / Antiques / High-Value Collectibles - Forex / Currency Exchange - Trust & Company Services - None of the above description: >- Does your company operate in or have exposure to high-risk industries? highRiskIndustryDetails: type: string description: >- Please provide additional details about your business activities in the selected high risk industries. **Required when `highRiskIndustry` is not `None`**. hasNestedFlows: type: boolean description: Do you operate or transact on behalf of customers or third parties? nestedFlowDescription: type: string description: >- Please briefly describe the types of accounts or flows you manage. **Required when `hasNestedFlows` is `true`**. certifiesOwnTreasuryUse: type: boolean description: >- Certification that accounts will not be used to process or hold third-party or customer funds without written approval keyGeographicBusinessCountries: type: array items: type: string minLength: 3 maxLength: 3 description: The ISO 3166-1 alpha-3 country code (e.g., USA, GBR, FRA) description: >- In which countries do you anticipate conducting 20%+ of your business? anticipatedTransactionsVolume: type: number description: Estimated Number of Transactions per Month usesBlockChainWallets: type: boolean description: Will your company use blockchain wallet addresses? blockchainWallets: type: array items: type: object properties: walletAddress: type: string minLength: 1 associatedPlatformType: type: string enum: - exchange - custodian - platform - self_custodied description: Type of platform associated with the wallet address associatedPlatformName: type: string minLength: 1 description: Name of the exchange, custodian, or platform required: - walletAddress - associatedPlatformType - associatedPlatformName description: >- List of blockchain wallet addresses (deposit, withdrawal, settlement) your company expects to use. **Required when `usesBlockChainWallets` is `true`**. sourceOfFunds: type: string enum: - Revenue From Products/Services - Venture Capital (VC)/Private Equity - Friends & Family Funding - Personal Savings of Founders - Loans or Credit Facilities - Grants or Government Funding description: Source of Funds (Primary Driver) productsOrServices: type: array items: type: string enum: - Technology / SaaS Provider - Sale of Goods / Non-Financial Services - Import / Export - Wholesale / Distribution - Investment Advisory - Digital Wallets / Stored Value - Custody - Lending / Credit - Escrow / Settlement Services - Crypto Exchange or Trading - Cross-Border Payments - NFT / DeFi / Web3 - Foreign Exchange / Currency Conversion - Card Issuance & Merchant Services - Brokerage / Trading Platform - Asset Management / Fund Services - Precious Metals / High-Value Commodities - Marketplace or Platform Operator - Real Estate / Title / Property Escrow - Crowdfunding / Capital Raising Platforms - Trust and Company Services (TCSP) minItems: 1 description: What products or services does your company offer? isGeneratingRevenues: type: boolean description: Are you currently generating revenue? revenueCoverage: type: string enum: - More than 50% of expenses and growing - Between 50% and 25% of expenses and growing - Less than 25% of expenses description: >- If yes, revenue covers. **Required when `isGeneratingRevenues` is `true`**. revenueCoverageExplanation: type: string description: >- Please provide a brief explanation (e.g., upcoming fundraise, cash injection expected, cost-cutting plans). **Required when `revenueCoverage` is set to `Less than 25% of expenses`**. hasInstitutionalInvestors: type: boolean description: Does your company have institutional investors (VC or PE)? runwayDurationMonths: type: string enum: - More than 12 months - Between 6 - 12 months - Less than 6 months - N/A due to Profitability or no burn description: How many months of financial runway do you currently have? runwayDurationExplanation: type: string description: >- Please provide a brief explanation for financial runway (e.g., upcoming fundraise, cash injection expected, cost-cutting plans). **Required when `runwayDurationMonths` is less than 12 months**. cashOnHandUsd: type: number description: What is your company's current cash on hand? hasUsBankAccount: type: boolean description: Do you have an existing, active US Bank account? deniedUsBankAccount: type: object properties: answer: type: boolean description: Have you ever been denied a US Bank Account? explanation: type: string description: If yes, provide explanation required: - answer description: >- Information about denied US bank account. **Required when `hasUsBankAccount` is `false`**. businessAuditHistory: type: object properties: answer: type: boolean description: >- Has the business ever been subject to one of the following: Audit by Tax Authority (US or non-US), Audit by Government or Regulatory Agency (US or non-US), Review by Government or Regulatory Agency (US or non-US),Law Enforcement Action, Search & Seizure of Assets, Other negative interaction(s) that would result in harm to the reputation of the business or its owners? explanation: type: string description: If yes, provide details required: - answer description: Business audit history information ownersAuditHistory: type: object properties: answer: type: boolean description: >- Have any of the owners, directors or officers of the business ever been subject to one of the following: Personal audit by Tax Authority (US or non-US), Personal audit by Government or Regulatory Agency (US or non-US), Regulatory sanctions, Law Enforcement Action, Search & Seizure of Assets, Other negative interaction(s) that would result in harm to the reputation of the business or its owners? explanation: type: string description: If yes, provide details required: - answer description: Business owners audit history information pepInvolved: type: object properties: answer: type: boolean description: >- Are any of the owners, directors, or officers of the business considered a Politically Exposed Person (PEP)? explanation: type: string description: If yes, provide details required: - answer description: Politically Exposed Person involvement information hasIndependentAmlAuditReport: type: object properties: answer: type: boolean description: >- Does your company have an independent AML or Compliance Program Audit Report? explanation: type: string description: >- Please explain why an independent AML or Compliance Program Audit has not been conducted timeline: type: string description: >- Please confirm if you are intending to obtain one and provide the expected timeline required: - answer description: >- Independent AML or Compliance Program Audit Report information. **Required when `isFinancialInstitution` is `true`**. flowOfFundsDescription: type: string description: >- For compliance purposes, please describe your company's fund flow - how funds are collected, processed, and disbursed across relevant accounts or partners. **Required when `isFinancialInstitution` is `false`**. termsOfServiceAcceptance: $ref: '#/components/schemas/TermsOfServiceAcceptance' required: - hasDBA - registeredDate - website - industry - email - phone - taxIdentificationNumber - businessEntityId - isFinancialInstitution - registeredAddress - operatingAddress - isSubsidiary - isOperating - anticipatedMonthlyVolume - expectedAverageDailyBalance - businessDescription - businessEntityType - isStockExchangeListed - accountPurpose - highRiskIndustry - hasNestedFlows - certifiesOwnTreasuryUse - keyGeographicBusinessCountries - anticipatedTransactionsVolume - usesBlockChainWallets - sourceOfFunds - productsOrServices - isGeneratingRevenues - hasInstitutionalInvestors - runwayDurationMonths - cashOnHandUsd - termsOfServiceAcceptance description: >- 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. 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 CustomerId: type: string pattern: ^cus_[a-zA-Z0-9]{27}$ description: A valid Customer ID example: cus_2ofTA13AD0xBtbEvBl20aEb1hEu PublicCustomerStatus: type: string enum: - active - in_compliance_review - compliance_rejected - created - kyb_in_progress - kyb_expired - kyb_missing_information - account_onboarding_pending - failed_to_create Address: type: object properties: streetLine1: type: string minLength: 1 streetLine2: type: string city: type: string minLength: 1 pattern: '^[A-Za-zÀ-ÖØ-öø-ÿ''''.-]+(?: [A-Za-zÀ-ÖØ-öø-ÿ''''.-]+)*$' state: type: string pattern: ^[A-Za-zÀ-ÖØ-öø-ÿ0-9''.-](?:[A-Za-zÀ-ÖØ-öø-ÿ0-9''.\- ]{0,})$ postalCode: type: string country: type: string minLength: 3 maxLength: 3 description: The ISO 3166-1 alpha-3 country code (e.g., USA, GBR, FRA) required: - streetLine1 - city - country description: Address information example: streetLine1: 123 Main St streetLine2: Suite 100 city: New York state: NY postalCode: '10001' country: USA EntityType: type: string enum: - Bank - Insurance Company - Securities Broker or Dealer - Investment Company or other Passive Investment Vehicle - Trust Company - Hedge Fund - Other TermsOfServiceAcceptance: type: object properties: date: type: string pattern: ^\d{4}-\d{2}-\d{2}$ ipAddress: type: string minLength: 1 isAuthenticated: type: boolean description: >- Whether the user was authenticated when accepting the terms of service required: - date - ipAddress - isAuthenticated description: Terms of service acceptance information example: date: '2025-07-28' ipAddress: 201.221.240.218 isAuthenticated: true securitySchemes: apiKey: type: apiKey description: Includes an API key in the HTTP headers to authenticate the client. name: X-API-Key in: header apiSecret: type: apiKey description: Includes an API secret in the HTTP headers to authenticate the client. name: X-API-Secret in: header ````