> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spherepay.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Create an Individual or Business Customer

> Create a new customer.

Before you can initiate any transfer, you must create a customer record in SpherePay. This endpoint registers either an individual or a business customer and returns a customer object with a unique ID and a `verificationProfiles` array that tracks KYC/KYB completion status. You must specify `type` upfront — it cannot be changed after creation.

Individual customers resident in the EEA+ region and EEA+ incorporated businesses have additional fields that must be present before verification. Those fields are optional at creation. See [EEA+ residents](/concepts/onboarding/individual-kyc#eea-residents) and [EEA+ businesses](/concepts/onboarding/business-kyb#eea-businesses).


## OpenAPI

````yaml openapi/spherepay.yaml POST /v2/customer
openapi: 3.0.0
info:
  contact: {}
  description: The Sphere REST API for payments, transfers, and accounts.
  title: Sphere API
  version: '2'
servers:
  - description: Production
    url: https://api.spherepay.co
security:
  - bearer: []
tags: []
paths:
  /v2/customer:
    post:
      summary: Create a Customer
      description: Create a new customer.
      operationId: postV2Customer
      parameters: []
      requestBody:
        content:
          application/json:
            schema:
              oneOf:
                - properties:
                    address:
                      description: The customer's address.
                      properties:
                        city:
                          description: The city name
                          example: Chicago
                          maxLength: 255
                          minLength: 1
                          type: string
                        country:
                          description: >-
                            The ISO3166-1 Alpha-3 country code (e.g., USA, GBR,
                            CAN). See [Country
                            Codes](/concepts/reference/supported-countries).
                          example: USA
                          type: string
                        line1:
                          description: The first line of the street address
                          example: 233 South Wacker Drive
                          maxLength: 255
                          minLength: 1
                          type: string
                        line2:
                          description: >-
                            The second line of the street address (apartment,
                            suite, etc.)
                          example: Suite 4700
                          maxLength: 255
                          type: string
                        postalCode:
                          description: >-
                            The postal or ZIP code. Required for countries that
                            use postal codes
                          example: '60606'
                          type: string
                        state:
                          description: >-
                            The state or province code (ISO3166-2 subdivision
                            code). Required for countries that have
                            states/provinces. See State Codes.
                          example: IL
                          type: string
                      required:
                        - line1
                        - city
                        - country
                      type: object
                    dateOfBirth:
                      description: The date string in YYYY-MM-DD format
                      example: '2026-01-01'
                      type: string
                    email:
                      description: The customer email address
                      example: jane.smith@example.com
                      format: email
                      maxLength: 254
                      type: string
                    firstName:
                      description: The customer's legal first name.
                      example: Jane
                      maxLength: 100
                      minLength: 1
                      type: string
                    lastName:
                      description: The customer's legal last name.
                      example: Smith
                      maxLength: 100
                      minLength: 1
                      type: string
                    meta:
                      additionalProperties:
                        type: string
                      description: Additional metadata associated with the customer
                      type: object
                    middleName:
                      description: The customer's legal middle name.
                      example: Anne
                      maxLength: 100
                      minLength: 1
                      type: string
                    personalInformation:
                      description: >-
                        Personal information including tax identification
                        details for individual customers. When any tax
                        identification field is provided, all tax identification
                        fields (number, type, country) and address are required.
                        Please refer to the [Individual Verification
                        Criteria](/concepts/onboarding/verification-profile) for
                        the full list of reference.
                      properties:
                        accountPurpose:
                          description: >-
                            The purpose of the account. Required for
                            EEA-resident individuals before they can be
                            submitted for verification.
                          enum:
                            - personal_or_living_expenses
                            - payments_to_friends_or_family_abroad
                            - receive_salary
                            - receive_payment_for_freelancing
                            - protect_wealth
                            - purchase_goods_and_services
                            - charitable_donations
                            - ecommerce_retail_payments
                            - investment_purposes
                            - operating_a_company
                            - other
                          example: receive_salary
                          type: string
                        accountPurposeDescription:
                          description: >-
                            A free-text description of the account purpose.
                            Required when `accountPurpose` is `other`.
                          type: string
                        actingAsIntermediary:
                          description: >-
                            Whether the customer is acting as an intermediary on
                            behalf of a third party. Required by some
                            verification providers.
                          example: false
                          type: boolean
                        countryOfBirth:
                          description: >-
                            The ISO3166-1 Alpha-3 country code of the country
                            where the customer was born. See [Country
                            Codes](/concepts/reference/supported-countries).
                          example: USA
                          type: string
                        employmentStatus:
                          description: >-
                            The customer's employment status. Required by some
                            verification providers.
                          enum:
                            - employed
                            - homemaker
                            - retired
                            - self_employed
                            - student
                            - unemployed
                          example: employed
                          type: string
                        expectedMonthlyPayments:
                          description: >-
                            The expected monthly payment volume in USD, as a
                            bucket range. Required by some verification
                            providers.
                          enum:
                            - 0_4999
                            - 5000_9999
                            - 10000_49999
                            - 50000_plus
                          example: 5000_9999
                          type: string
                        gender:
                          description: >-
                            The gender of the customer. Required by some
                            verification providers.
                          enum:
                            - male
                            - female
                            - other
                          example: male
                          type: string
                        nationality:
                          description: >-
                            The ISO3166-1 Alpha-3 country code of the customer's
                            nationality. Required by some verification
                            providers. See [Country
                            Codes](/concepts/reference/supported-countries).
                          example: USA
                          type: string
                        occupationSocCode:
                          description: >-
                            The customer's occupation as a 6-digit Standard
                            Occupational Classification (SOC) code, validated
                            against the supported occupation list. Required for
                            some verification flows.
                          example: '151252'
                          maxLength: 20
                          minLength: 1
                          type: string
                        residencyCountry:
                          description: >-
                            The ISO3166-1 Alpha-3 country code of the customer's
                            country of residency. Often satisfied by the address
                            country, but some verification providers require it
                            as a separate attribute. See [Country
                            Codes](/concepts/reference/supported-countries).
                          example: USA
                          type: string
                        sourceOfFunds:
                          description: >-
                            The customer's primary source of funds. Required by
                            some verification providers.
                          enum:
                            - salary
                            - business_income
                            - investment_returns
                            - inheritance
                            - gift
                            - savings
                            - other
                          example: salary
                          type: string
                        taxIdentificationNumber:
                          description: >-
                            The tax identification number. Required when
                            providing tax identification information. Only
                            alphanumeric characters (letters and numbers) are
                            accepted - omit separators such as dashes or spaces
                            (e.g. send "123456789", not "123-45-6789").
                          example: '123456789'
                          minLength: 1
                          pattern: ^[a-zA-Z0-9]+$
                          type: string
                        taxIdentificationNumberCountry:
                          description: >-
                            The ISO3166-1 Alpha-3 country code for the tax
                            identification number. Required when providing tax
                            identification information. See [Country
                            Codes](/concepts/reference/supported-countries).
                          example: USA
                          minLength: 1
                          type: string
                        taxIdentificationNumberDescription:
                          description: >-
                            Description of the tax identification number.
                            Required when type is `other`
                          type: string
                        taxIdentificationNumberType:
                          description: >-
                            The type of tax identification number of the
                            customer. Required when providing tax identification
                            information. Please refer to the [Individual
                            Verification
                            Criteria](/concepts/onboarding/verification-profile)
                            for the full list of reference.
                          example: ssn
                          minLength: 1
                          type: string
                      required:
                        - taxIdentificationNumber
                        - taxIdentificationNumberType
                        - taxIdentificationNumberCountry
                      type: object
                    phone:
                      description: The customer phone number in E.164 format
                      example: '+14155550123'
                      pattern: ^\+(?:[0-9]){6,14}[0-9]$
                      type: string
                    type:
                      enum:
                        - individual
                      type: string
                  required:
                    - type
                    - email
                    - phone
                    - address
                  title: Individual Customer Create
                  type: object
                - properties:
                    addresses:
                      description: >-
                        The business customer's addresses which includes a
                        registered address and an operating address.
                      items:
                        description: The business customer's address.
                        example:
                          city: Chicago
                          country: USA
                          line1: 123 Main Street
                          line2: Suite 100
                          postalCode: '60601'
                          state: IL
                          type: registered
                        properties:
                          city:
                            description: The city name
                            example: Chicago
                            maxLength: 255
                            minLength: 1
                            type: string
                          country:
                            description: >-
                              The ISO3166-1 Alpha-3 country code (e.g., USA,
                              GBR, CAN). See [Country
                              Codes](/concepts/reference/supported-countries).
                            example: USA
                            type: string
                          line1:
                            description: The first line of the street address
                            example: 233 South Wacker Drive
                            maxLength: 255
                            minLength: 1
                            type: string
                          line2:
                            description: >-
                              The second line of the street address (apartment,
                              suite, etc.)
                            example: Suite 4700
                            maxLength: 255
                            type: string
                          postalCode:
                            description: >-
                              The postal or ZIP code. Required for countries
                              that use postal codes
                            example: '60606'
                            type: string
                          state:
                            description: >-
                              The state or province code (ISO3166-2 subdivision
                              code). Required for countries that have
                              states/provinces. See State Codes.
                            example: IL
                            type: string
                          type:
                            enum:
                              - operating
                              - registered
                            type: string
                        required:
                          - line1
                          - city
                          - country
                          - type
                        type: object
                      maxItems: 2
                      minItems: 2
                      type: array
                    businessInformation:
                      description: >-
                        Business information including identification number and
                        all other relevant information to onboard the business
                        customer. See [Business Verification
                        Criteria](/concepts/onboarding/verification-profile).
                      properties:
                        accountPurpose:
                          description: The business account purpose
                          enum:
                            - charitable_donations
                            - ecommerce_retail_payments
                            - investment_purposes
                            - payments_to_friends_or_family_abroad
                            - payroll
                            - personal_or_living_expenses
                            - protect_wealth
                            - purchase_goods_and_services
                            - receive_payments_for_goods_and_services
                            - tax_optimization
                            - third_party_money_transmission
                            - treasury_management
                            - other
                          example: investment_purposes
                          type: string
                        accountPurposeDescription:
                          description: >-
                            The business account purpose description. This is
                            required when accountPurpose is "other".
                          example: Business checking account
                          minLength: 1
                          type: string
                        complianceScreeningExplanation:
                          description: >-
                            The business compliance screening explanation. This
                            is required when regulatedActivities contains
                            "money_services".
                          example: >-
                            The business complies with all applicable
                            regulations
                          minLength: 1
                          type: string
                        description:
                          description: The business description.
                          example: >-
                            Acme Corporation provides enterprise software
                            solutions for supply chain management and logistics
                            optimization.
                          maxLength: 1000
                          minLength: 1
                          type: string
                        entityType:
                          description: The business entity type.
                          enum:
                            - cooperative
                            - corporation
                            - llc
                            - partnership
                            - sole_proprietorship
                            - trust
                            - other
                          example: corporation
                          type: string
                        entityTypeDescription:
                          description: >-
                            The business entity type description. This is
                            required when entityType is "other".
                          example: Limited Liability Partnership
                          minLength: 1
                          type: string
                        estimatedAnnualRevenueInUsd:
                          description: >-
                            The business estimated annual revenue in USD. Please
                            refer to [estimated annual revenue in
                            USD](/concepts/onboarding/verification-profile) for
                            the list of valid ranges.
                          enum:
                            - 0_99999
                            - 100000_999999
                            - 1000000_9999999
                            - 10000000_49999999
                            - 50000000_249999999
                            - 250000000_plus
                          example: 1000000_9999999
                          type: string
                        expectedMonthlyPaymentsInUsd:
                          description: >-
                            The business expected monthly payments in USD.
                            Please refer to [expected monthly payments in
                            USD](/concepts/onboarding/verification-profile) for
                            the list of valid ranges.
                          example: '50000'
                          type: string
                        hasAuditedFinancialStatementsAttested:
                          description: >-
                            Must be true when `totalAssetsUsd` is at or above
                            the audited-financials threshold (PD-16), confirming
                            readiness to supply audited financial statements
                            during verification.
                          example: true
                          type: boolean
                        identificationNumber:
                          description: >-
                            The business tax or primary identification number
                            (e.g. EIN). Distinct from `registrationNumber`. Only
                            alphanumeric characters (letters and numbers) are
                            accepted - omit separators such as dashes or spaces
                            (e.g. send "123456789", not "12-3456789").
                          example: '123456789'
                          maxLength: 100
                          minLength: 1
                          pattern: ^[a-zA-Z0-9]+$
                          type: string
                        identificationNumberDescription:
                          description: >-
                            The business identification number description. This
                            is required when identificationNumberType is
                            "other".
                          example: Social Security Number
                          minLength: 1
                          type: string
                        identificationNumberType:
                          description: >-
                            The business identification number type. Please
                            refer to [identification number
                            types](/concepts/onboarding/verification-profile)
                            for the list of valid types.
                          example: ein
                          minLength: 1
                          type: string
                        incorporatedOn:
                          description: The date string in YYYY-MM-DD format
                          example: '2026-01-01'
                          type: string
                        isDao:
                          description: >-
                            Whether the business is a decentralized autonomous
                            organization (DAO).
                          example: false
                          type: boolean
                        legalName:
                          description: The business legal name.
                          example: Acme Corporation Inc.
                          minLength: 1
                          type: string
                        licenseNumber:
                          description: >-
                            License or registration number issued by the
                            regulatory authority. Required together with the
                            other regulator fields when `regulatedActivities`
                            includes `money_services`.
                          example: MSB-123456789
                          maxLength: 200
                          minLength: 1
                          type: string
                        moneyServicesDescription:
                          description: >-
                            The business money services description. This is
                            required when regulatedActivities contains
                            "money_services".
                          example: The business engages in money services
                          minLength: 1
                          type: string
                        naicsCode:
                          description: >-
                            The business NAICS code. Please refer to NAICS codes
                            for the list of valid codes.
                          example: '511210'
                          minLength: 1
                          type: string
                        operatesInProhibitedCountries:
                          description: >-
                            Whether the business operates in prohibited
                            countries.
                          example: false
                          type: boolean
                        participatesInRegulatedFinancialActivity:
                          type: boolean
                        primarySourceOfFunds:
                          description: The business primary source of funds
                          enum:
                            - business_loans
                            - grants
                            - inter_company_funds
                            - investment_proceeds
                            - legal_settlement
                            - owners_capital
                            - pension_retirement
                            - sale_of_assets
                            - sales_of_goods_and_services
                            - third_party_funds
                            - treasury_reserves
                          example: sales_of_goods_and_services
                          type: string
                        primarySourceOfFundsDescription:
                          description: The business primary source of funds description.
                          example: >-
                            Revenue from software licensing and consulting
                            services
                          minLength: 1
                          type: string
                        registrationNumber:
                          description: >-
                            Company registration number (state registry,
                            Companies House, etc.), separate from the tax
                            identifier in `identificationNumber`.
                          example: C1234567
                          maxLength: 100
                          minLength: 1
                          type: string
                        regulatedActivities:
                          description: The business regulated activities.
                          example:
                            - none_of_the_above
                          items:
                            description: The business regulated activity
                            enum:
                              - adult_entertainment
                              - gambling
                              - hold_client_funds
                              - investment_services
                              - lending_banking
                              - marijuana_or_related_services
                              - money_services
                              - >-
                                operate_foreign_exchange_virtual_currencies_brokerage_otc
                              - pharmaceuticals
                              - precious_metals_precious_stones_jewelry
                              - safe_deposit_box_rentals
                              - third_party_payment_processing
                              - nicotine_tobacco_or_related_services
                              - weapons_firearms_and_explosives
                              - none_of_the_above
                            example: money_services
                            type: string
                          minItems: 1
                          type: array
                        regulatedActivitiesDescription:
                          description: >-
                            The business regulated activities description. This
                            is required when regulatedActivities contains any
                            value other than "none_of_the_above".
                          example: The business engages in money services
                          minLength: 1
                          type: string
                        regulatedFinancialActivityDescription:
                          description: >-
                            The business regulated financial activity
                            description. This is required when
                            participatesInRegulatedFinancialActivity is true.
                          example: The business engages in money services
                          minLength: 1
                          type: string
                        regulatoryAuthorityCountry:
                          description: >-
                            ISO-3166 alpha-3 country of the primary regulatory
                            authority. Required together with
                            `regulatoryAuthorityName` and `licenseNumber` when
                            `regulatedActivities` includes `money_services`.
                          example: USA
                          type: string
                        regulatoryAuthorityName:
                          description: >-
                            Name of the primary regulatory authority. Required
                            together with the other regulator fields when
                            `regulatedActivities` includes `money_services`.
                          example: Financial Crimes Enforcement Network (FinCEN)
                          maxLength: 500
                          minLength: 1
                          type: string
                        totalAssetsUsd:
                          description: >-
                            Total business assets in USD as a decimal string
                            (e.g. "2500000.00"). When this value is at or above
                            the audited-financials threshold,
                            `hasAuditedFinancialStatementsAttested` must be
                            true.
                          example: '2500000.00'
                          type: string
                        tradeName:
                          description: The business trade name.
                          example: Acme Corp
                          minLength: 1
                          type: string
                        website:
                          description: >-
                            The business website URL. Optional - if omitted, a
                            document with documentType
                            `proof_of_nature_of_business_document` must be
                            uploaded instead to satisfy verification.
                          example: https://acmecorp.example.com
                          format: uri
                          type: string
                      required:
                        - legalName
                        - tradeName
                        - entityType
                        - description
                        - naicsCode
                        - incorporatedOn
                        - identificationNumberType
                        - identificationNumber
                        - estimatedAnnualRevenueInUsd
                        - expectedMonthlyPaymentsInUsd
                        - accountPurpose
                        - primarySourceOfFunds
                        - primarySourceOfFundsDescription
                        - isDao
                        - regulatedActivities
                        - participatesInRegulatedFinancialActivity
                        - operatesInProhibitedCountries
                      type: object
                    email:
                      description: The business customer's email address.
                      example: contact@acmecorp.example.com
                      format: email
                      maxLength: 254
                      type: string
                    meta:
                      additionalProperties:
                        type: string
                      description: Additional metadata associated with the customer
                      type: object
                    phone:
                      description: The business customer's phone number in E.164 format.
                      example: '+14155551234'
                      pattern: ^\+(?:[0-9]){6,14}[0-9]$
                      type: string
                    type:
                      description: The customer type.
                      enum:
                        - business
                      example: business
                      type: string
                  required:
                    - type
                    - email
                    - phone
                    - addresses
                    - businessInformation
                  title: Business Customer Create
                  type: object
        required: true
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerResponseDto'
          description: ''
        '400':
          content:
            application/json:
              examples:
                Bad Request:
                  summary: Bad Request
                  value:
                    code: address/invalid
                    correlationId: 28c61e885c6e5eaa78c1a2183a9b883c
                    detail: Invalid request parameters
                    status: 400
              schema:
                $ref: '#/components/schemas/ProblemDetailsDto'
          description: Bad Request
        '404':
          content:
            application/json:
              examples:
                Not Found:
                  summary: Not Found
                  value:
                    code: resource/not-found
                    correlationId: 28c61e885c6e5eaa78c1a2183a9b883c
                    detail: Resource not found
                    status: 404
              schema:
                $ref: '#/components/schemas/ProblemDetailsDto'
          description: Not Found
        '422':
          content:
            application/json:
              examples:
                Validation Error:
                  summary: Validation Error
                  value:
                    code: validation/failed
                    correlationId: 28c61e885c6e5eaa78c1a2183a9b883c
                    detail: Validation failed
                    errors:
                      - detail: Invalid email format
                        pointer: /email
                      - detail: Name is required
                        pointer: /name
                    status: 422
              schema:
                $ref: '#/components/schemas/ProblemDetailsDto'
          description: Unprocessable Entity - Validation Error
components:
  schemas:
    CustomerResponseDto:
      oneOf:
        - description: Response containing information about an individual customer.
          properties:
            createdAt:
              description: ISO 8601 formatted customer creation timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            dateOfBirth:
              description: >-
                The customer's date of birth in YYYY-MM-DD format (individual
                customers only).
              example: '1990-01-15'
              type: string
            email:
              description: Customer email address
              example: jane.smith@example.com
              type: string
            firstName:
              description: Customer first name (individual customers only)
              example: Jane
              type: string
            id:
              description: Customer ID
              example: customer_f31121c389624d3697cbf3ea8830b7a4
              type: string
            lastName:
              description: Customer last name (individual customers only)
              example: Smith
              type: string
            meta:
              additionalProperties: {}
              type: object
            personalInformation:
              description: >-
                Personal information for an individual customer, echoed back
                from the most recent submission. The tax identification number
                is omitted from responses for privacy.
              properties:
                accountPurpose:
                  type: string
                accountPurposeDescription:
                  description: >-
                    A free-text description of the account purpose. Required
                    when `accountPurpose` is `other`.
                  type: string
                actingAsIntermediary:
                  description: >-
                    Whether the customer is acting as an intermediary on behalf
                    of a third party. Required by some verification providers.
                  example: false
                  type: boolean
                countryOfBirth:
                  description: >-
                    The ISO3166-1 Alpha-3 country code of the country where the
                    customer was born. See [Country
                    Codes](/concepts/reference/supported-countries).
                  example: USA
                  type: string
                employmentStatus:
                  type: string
                expectedMonthlyPayments:
                  type: string
                gender:
                  type: string
                middleName:
                  description: >-
                    The customer's middle name. Required for some verification
                    flows.
                  example: James
                  maxLength: 255
                  minLength: 1
                  type: string
                nationality:
                  description: >-
                    The ISO3166-1 Alpha-3 country code of the customer's
                    nationality. Required by some verification providers. See
                    [Country Codes](/concepts/reference/supported-countries).
                  example: USA
                  type: string
                occupationSocCode:
                  description: >-
                    The customer's occupation as a 6-digit Standard Occupational
                    Classification (SOC) code, validated against the supported
                    occupation list. Required for some verification flows.
                  example: '151252'
                  maxLength: 20
                  minLength: 1
                  type: string
                residencyCountry:
                  description: >-
                    The ISO3166-1 Alpha-3 country code of the customer's country
                    of residency. Often satisfied by the address country, but
                    some verification providers require it as a separate
                    attribute. See [Country
                    Codes](/concepts/reference/supported-countries).
                  example: USA
                  type: string
                sourceOfFunds:
                  type: string
                taxIdentificationNumberCountry:
                  description: >-
                    The ISO3166-1 Alpha-3 country code for the tax
                    identification number. Required when providing tax
                    identification information. See [Country
                    Codes](/concepts/reference/supported-countries).
                  example: USA
                  minLength: 1
                  type: string
                taxIdentificationNumberDescription:
                  description: >-
                    Description of the tax identification number. Required when
                    type is `other`
                  type: string
                taxIdentificationNumberType:
                  description: >-
                    The type of tax identification number of the customer.
                    Required when providing tax identification information.
                    Please refer to the [Individual Verification
                    Criteria](/concepts/onboarding/verification-profile) for the
                    full list of reference.
                  example: ssn
                  minLength: 1
                  type: string
              type: object
            phone:
              description: Customer phone number
              example: '+14155550123'
              type: string
            tosStatus:
              description: >-
                Customer Terms of Service acceptance status (incomplete |
                pending | approved).
              enum:
                - incomplete
                - pending
                - approved
              example: incomplete
              type: string
              x-enumNames:
                - Incomplete
                - Pending
                - Approved
            type:
              description: Customer type
              enum:
                - individual
              example: individual
              type: string
            updatedAt:
              description: ISO 8601 formatted customer update timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            verificationProfiles:
              description: >-
                Array of verification profiles. For individual customers, this
                will include kyc_profile_a. For business customers, this will
                include kyb_profile_a. See [KYC
                Flow](/concepts/onboarding/individual-kyc) for individuals or
                [KYB Flow](/concepts/onboarding/business-kyb) for businesses.
                See [Verification
                Profile](/concepts/onboarding/verification-profile) for
                individual status definitions and criteria breakdown or
                [Verification
                Profile](/concepts/onboarding/verification-profile) for business
                status definitions and criteria breakdown.
              example:
                - criteria:
                    complete:
                      - email_address
                      - phone_number
                      - residential_address
                      - tax_identification_number
                    errors: []
                    pending: []
                    required:
                      - identity_document
                      - liveness_report_document
                  name: kyc_profile_a
                  status: incomplete
              items:
                properties:
                  criteria:
                    description: The criteria for the verification profile.
                    example:
                      complete:
                        - email_address
                        - phone_number
                        - residential_address
                        - tax_identification_number
                      errors: []
                      pending: []
                      required:
                        - identity_document
                        - liveness_report_document
                    properties:
                      complete:
                        description: Completed fields.
                        example:
                          - email_address
                          - phone_number
                          - residential_address
                          - tax_identification_number
                        items:
                          type: string
                        type: array
                      errors:
                        description: The errors that occurred while verifying the fields.
                        example: []
                        items:
                          properties:
                            detail:
                              type: string
                            name:
                              enum:
                                - email_verification
                                - phone_verification
                                - residential_address
                                - identity_document
                                - tax_identification_number
                                - liveness_check
                                - terms_of_service
                                - email_address
                                - phone_number
                                - master_service_agreement
                                - legal_name
                                - trade_name
                                - entity_type
                                - entity_type_description
                                - description
                                - registered_address
                                - operating_address
                                - business_representatives
                                - naics_code
                                - website
                                - incorporated_on
                                - identification_number
                                - registration_number
                                - estimated_annual_revenue
                                - expected_monthly_payments
                                - account_purpose
                                - account_purpose_description
                                - source_of_funds
                                - source_of_funds_description
                                - is_dao
                                - regulated_activities
                                - regulated_activities_description
                                - participates_in_regulated_financial_activity
                                - regulated_financial_activity_description
                                - money_services_description
                                - compliance_screening_explanation
                                - operates_in_prohibited_countries
                                - incorporation_cert_document
                                - incorporation_articles_document
                                - shareholder_registry_document
                                - proof_of_nature_of_business_document
                                - proof_of_address_document
                                - liveness_report_document
                                - ownership_percentage
                                - is_control_person
                                - control_person_added
                                - is_signer
                                - relationship_established_at
                                - title
                                - sex
                                - country_of_birth
                                - nationality
                                - middle_name
                                - occupation_soc_code
                                - w8_ben_document
                                - w9_document
                                - w8_ben_e_document
                                - corporate_resolution_document
                                - source_of_funds_document
                                - financial_statements_document
                                - bank_statement_document
                                - regulated_activity_document
                                - flow_of_funds_document
                                - kyc_b_approval
                                - kyb_b_approval
                              type: string
                          required:
                            - name
                          type: object
                        type: array
                      pending:
                        description: >-
                          Pending fields. These fields are currently being
                          verified.
                        example: []
                        items:
                          type: string
                        type: array
                      required:
                        description: >-
                          Required fields. These fields are required to be
                          completed before the verification profile can be
                          approved.
                        example:
                          - identity_document
                          - liveness_report_document
                        items:
                          type: string
                        type: array
                    required:
                      - complete
                      - pending
                      - required
                      - errors
                    type: object
                  name:
                    description: The name of the verification profile.
                    enum:
                      - kyc_profile_a
                      - kyb_profile_a
                      - ubo_kyc_profile_a
                      - kyc_profile_b
                      - kyb_profile_b
                      - kyb_profile_c
                      - kyc_profile_c
                      - ubo_kyc_profile_c
                      - kyb_profile_d
                      - kyc_profile_d
                      - ubo_kyc_profile_d
                    example: kyc_profile_a
                    type: string
                  status:
                    description: The status of the verification profile.
                    enum:
                      - incomplete
                      - pending
                      - approved
                      - rejected
                      - resubmission_required
                    example: incomplete
                    type: string
                required:
                  - name
                  - status
                type: object
              type: array
          required:
            - id
            - verificationProfiles
            - tosStatus
            - createdAt
            - updatedAt
            - type
          title: Individual
          type: object
        - description: Response containing information about a business customer.
          properties:
            businessLegalName:
              description: Customer business legal name (business customers only)
              example: Acme Corporation Inc.
              type: string
            businessTradeName:
              description: Customer business trade name (business customers only)
              example: Acme Corp
              type: string
            createdAt:
              description: ISO 8601 formatted customer creation timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            email:
              description: Customer email address
              example: jane.smith@example.com
              type: string
            id:
              description: Customer ID
              example: customer_f31121c389624d3697cbf3ea8830b7a4
              type: string
            meta:
              additionalProperties: {}
              type: object
            phone:
              description: Customer phone number
              example: '+14155550123'
              type: string
            tosStatus:
              description: >-
                Customer Terms of Service acceptance status (incomplete |
                pending | approved).
              enum:
                - incomplete
                - pending
                - approved
              example: incomplete
              type: string
              x-enumNames:
                - Incomplete
                - Pending
                - Approved
            type:
              description: Customer type
              enum:
                - business
              example: business
              type: string
            updatedAt:
              description: ISO 8601 formatted customer update timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            verificationProfiles:
              description: >-
                Array of verification profiles. For individual customers, this
                will include kyc_profile_a. For business customers, this will
                include kyb_profile_a. See [KYC
                Flow](/concepts/onboarding/individual-kyc) for individuals or
                [KYB Flow](/concepts/onboarding/business-kyb) for businesses.
                See [Verification
                Profile](/concepts/onboarding/verification-profile) for
                individual status definitions and criteria breakdown or
                [Verification
                Profile](/concepts/onboarding/verification-profile) for business
                status definitions and criteria breakdown.
              example:
                - criteria:
                    complete:
                      - email_address
                      - phone_number
                      - residential_address
                      - tax_identification_number
                    errors: []
                    pending: []
                    required:
                      - identity_document
                      - liveness_report_document
                  name: kyc_profile_a
                  status: incomplete
              items:
                properties:
                  criteria:
                    description: The criteria for the verification profile.
                    example:
                      complete:
                        - email_address
                        - phone_number
                        - residential_address
                        - tax_identification_number
                      errors: []
                      pending: []
                      required:
                        - identity_document
                        - liveness_report_document
                    properties:
                      complete:
                        description: Completed fields.
                        example:
                          - email_address
                          - phone_number
                          - residential_address
                          - tax_identification_number
                        items:
                          type: string
                        type: array
                      errors:
                        description: The errors that occurred while verifying the fields.
                        example: []
                        items:
                          properties:
                            detail:
                              type: string
                            name:
                              enum:
                                - email_verification
                                - phone_verification
                                - residential_address
                                - identity_document
                                - tax_identification_number
                                - liveness_check
                                - terms_of_service
                                - email_address
                                - phone_number
                                - master_service_agreement
                                - legal_name
                                - trade_name
                                - entity_type
                                - entity_type_description
                                - description
                                - registered_address
                                - operating_address
                                - business_representatives
                                - naics_code
                                - website
                                - incorporated_on
                                - identification_number
                                - registration_number
                                - estimated_annual_revenue
                                - expected_monthly_payments
                                - account_purpose
                                - account_purpose_description
                                - source_of_funds
                                - source_of_funds_description
                                - is_dao
                                - regulated_activities
                                - regulated_activities_description
                                - participates_in_regulated_financial_activity
                                - regulated_financial_activity_description
                                - money_services_description
                                - compliance_screening_explanation
                                - operates_in_prohibited_countries
                                - incorporation_cert_document
                                - incorporation_articles_document
                                - shareholder_registry_document
                                - proof_of_nature_of_business_document
                                - proof_of_address_document
                                - liveness_report_document
                                - ownership_percentage
                                - is_control_person
                                - control_person_added
                                - is_signer
                                - relationship_established_at
                                - title
                                - sex
                                - country_of_birth
                                - nationality
                                - middle_name
                                - occupation_soc_code
                                - w8_ben_document
                                - w9_document
                                - w8_ben_e_document
                                - corporate_resolution_document
                                - source_of_funds_document
                                - financial_statements_document
                                - bank_statement_document
                                - regulated_activity_document
                                - flow_of_funds_document
                                - kyc_b_approval
                                - kyb_b_approval
                              type: string
                          required:
                            - name
                          type: object
                        type: array
                      pending:
                        description: >-
                          Pending fields. These fields are currently being
                          verified.
                        example: []
                        items:
                          type: string
                        type: array
                      required:
                        description: >-
                          Required fields. These fields are required to be
                          completed before the verification profile can be
                          approved.
                        example:
                          - identity_document
                          - liveness_report_document
                        items:
                          type: string
                        type: array
                    required:
                      - complete
                      - pending
                      - required
                      - errors
                    type: object
                  name:
                    description: The name of the verification profile.
                    enum:
                      - kyc_profile_a
                      - kyb_profile_a
                      - ubo_kyc_profile_a
                      - kyc_profile_b
                      - kyb_profile_b
                      - kyb_profile_c
                      - kyc_profile_c
                      - ubo_kyc_profile_c
                      - kyb_profile_d
                      - kyc_profile_d
                      - ubo_kyc_profile_d
                    example: kyc_profile_a
                    type: string
                  status:
                    description: The status of the verification profile.
                    enum:
                      - incomplete
                      - pending
                      - approved
                      - rejected
                      - resubmission_required
                    example: incomplete
                    type: string
                required:
                  - name
                  - status
                type: object
              type: array
          required:
            - id
            - verificationProfiles
            - tosStatus
            - createdAt
            - updatedAt
            - type
          title: Business
          type: object
    ProblemDetailsDto:
      properties:
        code:
          type: string
        correlationId:
          type: string
        detail:
          type: string
        errors:
          items:
            properties:
              detail:
                type: string
              header:
                type: string
              parameter:
                type: string
              pointer:
                type: string
            required:
              - detail
            type: object
          type: array
        status:
          type: integer
        title:
          type: string
      required:
        - status
        - detail
      type: object
  securitySchemes:
    bearer:
      bearerFormat: JWT
      scheme: bearer
      type: http

````