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POST
/
customers
/
onboarding
Create onboarding customer
curl --request POST \
  --url https://api.conduit.financial/customers/onboarding \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --header 'X-API-Secret: <api-key>' \
  --data '{
  "businessLegalName": "Acme Corp",
  "businessTradeName": "Acme Corp",
  "industry": "Technology",
  "entityType": "Bank",
  "website": "https://acme.com",
  "registeredDate": "2024-01-01T00:00:00.000Z",
  "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": "C-Corporation",
  "anticipatedMonthlyVolume": {
    "ach": {
      "incoming": 100000,
      "outgoing": 80000
    },
    "wire": {
      "incoming": 50000,
      "outgoing": 30000
    },
    "check": {
      "incoming": 10000,
      "outgoing": 5000
    }
  },
  "expectedAverageDailyBalance": 250000,
  "regulatorName": "SEC",
  "hasAdvisor": true,
  "businessDescription": "Provider of industrial widgets and services",
  "businessEntityType": "Corporation",
  "isStockExchangeListed": false,
  "accountPurpose": "Payroll/ Employee Payouts",
  "higRiskIndustry": "Third-party / OBO payments",
  "hasNestedFlows": true,
  "keyGeographicBusinessCountries": [
    "USA",
    "CAN"
  ],
  "anticipatedTransactionsVolume": 1500,
  "usesBlockChainWallets": false,
  "sourceOfFunds": "Sales Revenue",
  "isGeneratingRevenues": true,
  "hasInstitutionalInvestors": true,
  "runwayDurationMonths": 12,
  "cashOnHandUsd": 500000
}'
{
  "id": "cus_2ofTA13AD0xBtbEvBl20aEb1hEu",
  "type": "business",
  "businessLegalName": "Acme Corporation",
  "businessTradeName": "Acme Corp",
  "industry": "Technology",
  "email": "contact@acmecorp.com",
  "entityType": "Bank",
  "phone": "+1234567890",
  "website": "https://acmecorp.com",
  "identifications": [
    {
      "id": "123e4567-e89b-12d3-a456-426614174001",
      "identificationType": "TIN",
      "identificationNumber": "12-3456789"
    }
  ],
  "registeredDate": "2020-01-01T00:00:00.000Z",
  "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"
  },
  "status": "active",
  "paymentMethods": [],
  "isFinancialInstitution": false,
  "eddFormId": "c7ae9c5e-3db8-467b-b0c4-0ff00732f9ae"
}

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

Basic business information required for customer creation

​
businessLegalName
string
required
Minimum length: 1
​
registeredDate
string
required
Minimum length: 1
​
website
string<uri>
required
Minimum length: 5
​
industry
string
required
Minimum length: 3
​
email
string<email>
required
​
phone
string
required
Minimum length: 1
​
taxIdentificationNumber
string
required
Minimum length: 1
​
businessEntityId
string
required
Minimum length: 1
​
isFinancialInstitution
boolean
required
​
registeredAddress
object
required

Address information

Example:
{
  "streetLine1": "123 Main St",
  "streetLine2": "Suite 100",
  "city": "New York",
  "state": "NY",
  "postalCode": "10001",
  "country": "USA"
}
​
operatingAddress
object
required

Address information

Example:
{
  "streetLine1": "123 Main St",
  "streetLine2": "Suite 100",
  "city": "New York",
  "state": "NY",
  "postalCode": "10001",
  "country": "USA"
}
​
isSubsidiary
boolean
required
​
isOperating
boolean
required
​
naicsCode
string
required
​
regulatorName
string
required
​
businessDescription
string
required
Minimum length: 5
​
businessEntityType
enum<string>
required
Available options:
LLC,
Corporation,
Partnership,
Sole Proprietor,
Foundation,
Cooperative,
Government Entity,
Nonprofit,
Trust,
Other
​
accountPurpose
enum<string>
required

What is the purpose of this account with Conduit

Available options:
Payroll/ Employee Payouts,
Payments for Goods or Services,
Marketplace/ Gig Worker Payouts,
Internal Treasury or FX Management,
Disbursement of Customer Funds,
Other
​
higRiskIndustry
enum<string>
required

Does your company operate in or have exposure to high-risk industries?

Available options:
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
​
hasNestedFlows
boolean
required

Do you operate or transact on behalf of customers or third parties?

​
keyGeographicBusinessCountries
string[]
required

In which countries do you anticipate conducting 20%+ of your business?

The ISO 3166-1 alpha-3 country code (e.g., USA, GBR, FRA)

​
anticipatedTransactionsVolume
number
required

Estimated Number of Transactions per Month

​
sourceOfFunds
string
required

Source of Funds (Primary Driver)

​
isGeneratingRevenues
boolean
required

Are you currently generating revenue?

​
hasInstitutionalInvestors
boolean
required

Does your company have institutional investors (VC or PE)?

​
runwayDurationMonths
number
required

How many months of financial runway do you currently have?

​
businessTradeName
string
​
entityType
enum<string>
Available options:
Bank,
Insurance Company,
Securities Broker or Dealer,
Investment Company or other Passive Investment Vehicle,
Trust Company,
Hedge Fund,
Other
​
mailingAddress
object

Address information

Example:
{
  "streetLine1": "123 Main St",
  "streetLine2": "Suite 100",
  "city": "New York",
  "state": "NY",
  "postalCode": "10001",
  "country": "USA"
}
​
entityTaxedAs
enum<string>
Available options:
S-Corporation,
C-Corporation,
Partnership
Example:

"S-Corporation"

​
anticipatedMonthlyVolume
object
​
expectedAverageDailyBalance
number
​
taxClassification
string
​
hasAdvisor
boolean
​
isStockExchangeListed
boolean

Is your company publicly listed on a recognized stock exchange?

​
usesBlockChainWallets
boolean

Will your company use blockchain wallet addresses?

​
cashOnHandUsd
number

What is your company’s current cash on hand?

Response

Customer created

Complete customer schema

​
type
string
required
Minimum length: 1
​
businessLegalName
string
required
Minimum length: 1
​
businessTradeName
string
required
Minimum length: 1
​
industry
string
required
Minimum length: 1
​
identifications
object[]
required
Minimum length: 1
​
registeredDate
string
required
Minimum length: 1
​
registeredAddress
object
required

Address information

Example:
{
  "streetLine1": "123 Main St",
  "streetLine2": "Suite 100",
  "city": "New York",
  "state": "NY",
  "postalCode": "10001",
  "country": "USA"
}
​
operatingAddress
object
required

Address information

Example:
{
  "streetLine1": "123 Main St",
  "streetLine2": "Suite 100",
  "city": "New York",
  "state": "NY",
  "postalCode": "10001",
  "country": "USA"
}
​
paymentMethods
array
required
  • Bank Payment Method Response
  • Option 2
​
id
string

A valid Customer ID

Example:

"cus_2ofTA13AD0xBtbEvBl20aEb1hEu"

​
email
string<email>
​
phone
string
​
entityType
enum<string>

The type of entity

Available options:
Bank,
Insurance Company,
Securities Broker or Dealer,
Investment Company or other Passive Investment Vehicle,
Trust Company,
Hedge Fund,
Other
Example:

"Bank"

​
website
string<uri>
​
documents
object[]
​
createdAt
string
​
updatedAt
string
​
status
enum<string>
Available options:
active,
in_compliance_review,
compliance_rejected,
created,
kyb_in_progress,
kyb_expired,
kyb_missing_information,
account_onboarding_pending,
failed_to_create
​
tags
string[] | null
​
isFinancialInstitution
boolean
​
controlPersons
object[]
​
eddFormId
string
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