v1
latestOpenAPI 3.1.02026-07-226250251.5 KBCustomers
Create Business Customer V2
Create a new business customer with full KYB profile, associated parties (UBOs/directors), compliance data, and optionally holding structure and public listing details.
post/v2/customers/business
Request body
Example request
{
"verification_type": "STANDARD",
"industry_codes": [
"523130"
],
"basic_info": {
"legal_name": "Fin.com",
"legal_name_en": "Fin.com",
"trade_name": "Toronggo",
"trade_name_en": "Toronggo",
"description": "Bangladesh-based technology company providing cross-border B2B payment and financial technology services",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"email": "m@tech.com",
"phone": "+8801529876543",
"incorporation_date": "2018-06-15",
"country_of_incorporation": "USA",
"registration_number": "12-3456789",
"legal_entity_identifier": "549300EXAMPLE0001X23",
"tax_info": [
{
"country_code": "USA",
"document_type": "EIN",
"document_id": "12-3456789"
}
],
"websites": [
"https://fin.com"
]
},
"financial_profile": {
"purpose_id": 3,
"purpose_remarks": "Cross-border B2B payments for international suppliers",
"source_of_fund_ids": [
1,
4
],
"source_of_funds_description": "Revenue from software licensing and SaaS subscriptions",
"source_of_wealth_ids": [
2
],
"estimated_annual_revenue_usd": 5000000,
"expected_monthly_deposits_usd": 400000,
"expected_monthly_withdrawals_usd": 350000,
"expected_transaction_value_usd": 50000,
"expected_monthly_transaction_count": 20
},
"addresses": {
"incorporated_address": {
"street_line_1": "123 Main Street",
"street_line_1_en": "123 Main Street",
"street_line_2": "Suite 400",
"street_line_2_en": "Suite 400",
"city": "San Francisco",
"state": "US-CA",
"subdivision_code": "US-CA",
"postal_code": "94105",
"country": "USA"
},
"physical_address": {
"street_line_1": "123 Main Street",
"street_line_1_en": "123 Main Street",
"street_line_2": "Suite 400",
"street_line_2_en": "Suite 400",
"city": "San Francisco",
"state": "US-CA",
"subdivision_code": "US-CA",
"postal_code": "94105",
"country": "USA"
}
},
"associated_parties": [
{
"ref": "owner-001",
"basic_info": {
"first_name": "John",
"first_name_en": "John",
"middle_name": "Michael",
"middle_name_en": "Michael",
"last_name": "Doe",
"last_name_en": "Doe",
"dob": "1985-03-20",
"email": "john.doe@acmecorp.com",
"phone": "+14155551234",
"country_of_residence": "USA",
"primary_nationality": "USA",
"secondary_nationality": "USA",
"tax_info": [
{
"country_code": "USA",
"document_type": "TIN",
"document_id": "1234567890123"
}
]
},
"address": {
"street_line_1": "123 Main Street",
"street_line_1_en": "123 Main Street",
"street_line_2": "Suite 400",
"street_line_2_en": "Suite 400",
"city": "San Francisco",
"state": "US-CA",
"subdivision_code": "US-CA",
"postal_code": "94105",
"country": "USA"
},
"roles": [
"shareholder",
"ubo"
],
"ownership_info": {
"designation": "CEO",
"percentage_of_ownership": 75,
"relationship_establishment_date": "2018-06-15",
"has_control": true,
"is_signer": true,
"is_director": true
}
}
],
"holding_structure": {
"has_material_intermediary_ownership": true,
"corporate_shareholders": [
{
"entity_name": "Acme Ventures LLC",
"entity_name_en": "Acme Ventures LLC",
"registration_country_code": "USA",
"ownership_percentage": 60,
"registration_number": "98-7654321",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"incorporation_date": "2015-03-01"
}
],
"foreign_branches": [
{
"registration_country_code": "USA",
"name": "Acme Corp UK Branch",
"registration_number": "BR000123"
}
]
},
"public_listings": [
{
"mic": "XNAS",
"isin": "US0231351067",
"ticker_symbol": "ACME"
}
],
"compliance": {
"additional_description_for_compliance_screening": "We do not operate in any OFAC-sanctioned jurisdictions.",
"risk_profile": {
"high_risk_activities": [
"cross_border_payments"
],
"high_risk_activities_explanation": "We facilitate cross-border B2B payments, subject to enhanced due diligence procedures.",
"conducts_money_services": true,
"conducts_money_services_description": "Licensed money transmitter providing international wire transfer services."
},
"regulated_activity": {
"description": "Licensed money transmitter operating under FinCEN registration and state-level MSB licenses",
"primary_authority_country_code": "USA",
"primary_authority_name": "FinCEN",
"license_number": "MSB-12345678"
},
"aml": {
"supervisory_authority_name": "FinCEN",
"license_number": "MSB-12345678",
"has_appointed_mlro": true,
"customer_risk_split": {
"low_risk": 70,
"medium_risk": 25,
"high_risk": 5
},
"prohibits_anonymous_or_fictitious_accounts": true,
"prohibits_accounts_for_unlicensed_or_shell_customers": true,
"customer_identity_verification": {
"method": "automated",
"system": "Jumio"
},
"pep_and_sanctions_screening": {
"method": "automated",
"system": "Jumio"
},
"sanction_lists": [
"OFAC",
"EU",
"UN",
"HMT"
],
"customer_risk_classification_from_due_diligence": true,
"enhanced_due_diligence_process": true,
"transaction_monitoring": {
"method": "automated",
"system": "Jumio"
},
"procedures_for_transaction_monitoring": true,
"subject_to_ml_or_tf_investigation": "none",
"subject_to_regulatory_enforcement_past_2_years": "none",
"confirms_no_service_to_sanctioned_countries": true,
"client_funds_accessibility": "closed_loop",
"aml_ctf_audit_completed": true,
"planned_audit_date": "2026-12-01"
}
},
"meta_data": {
"reference": "REF-20250123-ACME"
}
}Response
Business customer created successfully
Example response
{
"customer_id": "ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06",
"tos_policies_url": "https://orchestration.fin.com/orchestration-customer-tos?customer_id=ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06&tos_policies_value=6955e70b-f9f3-4076-b1ce-5c897085dd24"
}