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v1

latestOpenAPI 3.1.0Proprietary2026-07-2464170247.4 KB
Individual Onboarding V2

Initiate Individual Account

post/v2/accounts/{main_account_id}/individuals

Path parameters

main_account_idstring required

Main customer account ID

Headers

Idempotency-Keystring required

Idempotency key identifying this individual onboarding create request

Request body

external_idstring nullable

Example request

{
  "external_id": "partner-user-12345",
  "terms": [
    {
      "signed_at": "2026-03-17T15:04:05Z",
      "signature_id": "8e55f5a7-6f66-4a1f-b104-f90b2c8af5df"
    }
  ],
  "contact": {
    "email": "jane.doe@example.com",
    "phone": {
      "country_code": "+1",
      "number": "4155551234"
    }
  },
  "person": {
    "first_name": "Jane",
    "last_name": "Doe",
    "dob": "1990-01-15"
  },
  "residential_address": {
    "street_line_1": "123 Main Street",
    "street_line_2": "Apt 4B",
    "city": "San Francisco",
    "state": "CA",
    "postal_code": "94102"
  },
  "tax_info": {
    "number": "123-45-6789"
  },
  "identification": {
    "id_number": "P12345678",
    "issued_at": "2020-01-01",
    "expires_at": "2030-01-01"
  }
}

Response

Individual created successfully.

account_idstring required
parent_account_idstring required
external_idstring nullable
status'DRAFT' | 'PROCESSING' | 'ACTION_REQUIRED' | 'UNDER_REVIEW' | 'APPROVED' | 'REJECTED' required

Onboarding lifecycle status of a business sub-account.

  • DRAFT — sub-account initiated but not yet submitted for review.
  • PROCESSING — submitted and being prepared for review.
  • ACTION_REQUIRED — a Request for Information (RFI) is open and waiting on the partner to respond. See RFI Handling.
  • UNDER_REVIEW — active manual compliance review is in progress or provisioning.
  • APPROVED — terminal status; the sub-account is active and ready to transact.
  • REJECTED — terminal status; the sub-account cannot be activated.
created_atstring required
updated_atstring required

Example response

{
  "external_id": "partner-user-12345",
  "terms": [
    {
      "url": "https://www.1money.com/legal-and-privacy/privacy-policy",
      "name": "Privacy Policy"
    }
  ],
  "contact": {
    "email": "jane.doe@example.com",
    "phone": {
      "country_code": "+1",
      "number": "4155551234"
    }
  },
  "person": {
    "first_name": "Jane",
    "last_name": "Doe",
    "dob": "1990-01-15"
  },
  "residential_address": {
    "street_line_1": "123 Main Street",
    "street_line_2": "Apt 4B",
    "city": "San Francisco",
    "state": "CA",
    "postal_code": "94102"
  },
  "tax_info": {
    "number": "123-45-6789"
  },
  "identification": {
    "id_number": "P12345678",
    "issued_at": "2020-01-01",
    "expires_at": "2030-01-01"
  },
  "errors": [
    {
      "type": "FIELD_VALIDATION",
      "description": "Invalid value for field 'industry'.",
      "target": {
        "scope": "BUSINESS",
        "data": {
          "controller_id": "8d3e45fa-b76c-45e2-abd1-aa9d29d20964",
          "intermediary_id": "0c8b9d1e-3f4a-4b2c-9d8e-1a2b3c4d5e6f",
          "property": "industry",
          "document_type": "CERT_OF_INC"
        }
      }
    }
  ],
  "created_at": "2026-06-11T00:00:00Z",
  "updated_at": "2026-06-11T00:00:00Z"
}