Customers

The Customer object stores information about your businesses and individuals associated with your Application. Customers are people who have purchased your products or explictly registered to transfers on your Application.

Customers can be of two types:

  • individual - A person.
  • business - An organization or entity.

The shape of the Customer object will vary depending on the type of customer.

They can be created in one of three ways:

  • Automatically via Sphere, when customers go through your ramp widget.
  • Automatically via Sphere, when customers pay for a product via paymentLink.
  • Via API, by you, the developer.

The Customer object

Properties

  • Name
    id
    Type
    string
    Description

    A unique identifier for the object.

  • Name
    meta
    Type
    object
    Description

    Set of key-value pairs (JSON) that you can attach to a customer object which can be useful for storing additional information about the object.

  • Name
    description
    Type
    string
    Description

    The description of your customer. Relevant if the customer is a business.

  • Name
    sourceOfFunds
    Type
    string
    Description

    The customer's source of funds. Relevant if the customer is a business.

  • Name
    thirdParty
    Type
    boolean
    Description

    Whether the customer is a third party. Relevant if the customer is a business.

  • Name
    thirdPartyMessage
    Type
    string
    Description

    The message that the customer is sending to their third party. Relevant if the customer is a business.

  • Name
    lookupKey
    Type
    string
    Description

    The lookup key of a customer. A lookup key allows you to list all resources associated with a given key.

  • Name
    type
    Type
    enum
    Description

    The type of customer. One of individual or business.

  • Name
    kyc
    Type
    enum
    Description

    A status representing the progress of the customer in Sphere's KYC process. One of incomplete, pending, additionalReviewRequired, approved, or rejected.

  • Name
    tos
    Type
    enum
    Description

    A status representing the progress of the customer in accepting Sphere's TOS. One of incomplete, pending, or approved.

  • Name
    msa
    Type
    enum
    Description

    A status representing the progress of the customer in accepting Sphere's MSA. One of incomplete, pending, approved, declined, or voided.

  • Name
    euAccountTos
    Type
    enum
    Description

    A status representing the progress of the customer in accepting Sphere's EU Account TOS. One of incomplete, pending, or approved.

  • Name
    operatingResidency
    Type
    enum
    Description

    A status representing the progress of the customer in providing their operating residency. One of incomplete, approved, or rejected.

  • Name
    isProhibitedBusinessType
    Type
    boolean
    Description

    Whether the customer is a prohibited business type. Relevant if the customer is a business.

  • Name
    website
    Type
    string
    Description

    The customer's website.

  • Name
    additionalReviewRequiredReason
    Type
    enum
    Description

    The reason why the customer is receiving an additional review.

  • Name
    requirements
    Type
    string array
    Description

    An string array corresponding to fields of information required items required to KYB this customer.

  • Name
    address
    Type
    object
    Description

    The customer's address.

    • Name
      line1
      Type
      string
      Description

      Address line 1 (e.g., street, PO Box, or company name).

    • Name
      line2
      Type
      string
      Description

      Address line 2 (e.g., apartment, suite, unit, or building).

    • Name
      city
      Type
      string
      Description

      City, district, suburb, town, or village.

    • Name
      postalCode
      Type
      string
      Description

      ZIP or postal code.

    • Name
      state
      Type
      string
      Description

      Two-letter state code (ISO3166 subdivision code)

    • Name
      country
      Type
      string
      Description

      Three-letter country code (ISO 3166-1 alpha-3).

  • Name
    ubos
    Type
    object array
    Description

    A list of ultimate beneficial owners (UBOs) for the customer. Relevant if the customer is a business.

    • Name
      id
      Type
      string
      Description

      Unique identifier for the UBO. Auto-generated by Sphere upon creation.

    • Name
      requirements
      Type
      string array
      Description

      A list of requirements that the UBO is missing.

    • Name
      email
      Type
      string
      Description

      The email of the UBO.

    • Name
      firstName
      Type
      string
      Description

      The first name of the UBO.

    • Name
      lastName
      Type
      string
      Description

      The last name of the UBO.

    • Name
      phoneNumber
      Type
      string
      Description

      The phone number of the UBO.

    • Name
      address
      Type
      object
      Description

      The address of the UBO.

      • Name
        line1
        Type
        string
        Description

        Address line 1 (e.g., street, PO Box, or company name).

      • Name
        line2
        Type
        string
        Description

        Address line 2 (e.g., apartment, suite, unit, or building).

      • Name
        city
        Type
        string
        Description

        City, district, suburb, town, or village.

      • Name
        postalCode
        Type
        string
        Description

        ZIP or postal code.

      • Name
        state
        Type
        string
        Description

        Two-letter state code (ISO3166 subdivision code)

      • Name
        country
        Type
        string
        Description

        Three-letter country code (ISO 3166-1 alpha-3).

    • Name
      created
      Type
      string
      Description

      Datetime of when the UBO was created.

    • Name
      updated
      Type
      string
      Description

      Datetime of when the UBO was last updated.

  • Name
    email
    Type
    timestamp
    Description

    The customer's email address.

  • Name
    firstName
    Type
    timestamp
    Description

    The customer's first name or the name of the business if the customer is a business.

  • Name
    lastName
    Type
    timestamp
    Description

    The customer's last name. Null if the customer is a business.

  • Name
    phoneNumber
    Type
    timestamp
    Description

    The customer's phone number in E.164 format.

  • Name
    mock
    Type
    boolean
    Description

    Whether the customer is a mock customer. False by default.

  • Name
    wallets
    Type
    string array
    Description

    A string array of Sphere wallet IDs associated with this customer.

  • Name
    bankAccounts
    Type
    string array
    Description

    A string array of Sphere bank account IDs associated with this customer.

  • Name
    achPullUserIntentId
    Type
    string
    Description

    The customer's user intent id. Relevant if the customer is an achPull user.

  • Name
    verificationLevels
    Type
    object array
    Description

    A list of verification levels for the customer. Relevant if the customer is an achPull user.

    • Name
      name
      Type
      enum
      Description

      The name of the verification level. Only ach_pull.

    • Name
      status
      Type
      string
      Description

      The status of the verification level. One of approved, pending, retry, document, suspended, rejected, incomplete, or convereted_to_user.

    • Name
      requirements
      Type
      string array
      Description

      A list of requirements that the customer is missing.

  • Name
    created
    Type
    string
    Description

    Datetime of when the customer was created.

  • Name
    updated
    Type
    datstringestring
    Description

    Datetime of when the customer was last updated.

Customer Object

{
  "id": "customer_800925656fe14c63ac4ec2a98b3cd26d",
  "meta": {},
  "lookupKey": null,
  "type": "individual",
  "kyc": "approved",
  "tos": "approved",
  "msa": "incomplete",
  "euAccountTos": "approved",
  "operatingResidency": "approved",
  "isProhibitedBusinessType": null,
  "website": null,
  "additionalReviewRequiredReason": null,
  "requirements": [
    "address.line1",
    "address.city",
    "address.state",
    "address.postalCode",
    "address.city",
    "address.country"
  ],
  "address": {
    "line1": null,
    "line2": null,
    "city": null,
    "postalCode": null,
    "state": null,
    "country": null
  },
  "ubos": [],
  "email": "johndoe123@gmail.com",
  "firstName": "John",
  "lastName": "Doe",
  "phoneNumber": "+12345678900",
  "mock": false,
  "wallets": [
    "wallet_6107d15c89644518a4bff20915bc9eb2",
    "wallet_c7005f4e271e4b159c10d0b473160694",
    "wallet_32333fda69af40e58d23454f0655f91b"
  ],
  "bankAccounts": [
    "bankAccount_2ff2dcd932764cffbdfb76c2bc32fd1f",
    "bankAccount_c8ec5bdca412485ea50b7f5d1494e4a1",
    "bankAccount_85dd31c407344979a64b8ff27569e33b"
  ],
  "achPullUserIntentId": "aefdada005bb45acb91874f704fc3a72",
  "verificationLevels": [
    {
      "name": "ach_pull",
      "status": "approved",
      "requirements": [
        "address.line1",
        "address.city",
        "address.state",
        "address.postalCode",
        "createUser"
      ]
    }
  ],
  "created": "2024-07-31T23:44:16.319Z",
  "updated": "2024-08-07T22:23:45.817Z"
}
POST/v1/customer

Create a customer

Parameters

  • Name
    type
    Type
    enum
    Description

    The type of customer. Either individual or business.

  • Name
    meta
    Type
    object
    Description

    Set of key-value pairs (JSON) that you can attach to a customer object which can be useful for storing additional information about the object.

  • Name
    lookupKey
    Type
    string
    Description

    The lookup key of a customer. A lookup key allows you to list all resources associated with a given key.

  • Name
    email
    Type
    string
    Description

    The customer's email address.

  • Name
    website
    Type
    string
    Description

    The website of the customer.

  • Name
    phoneNumber
    Type
    string
    Description

    The customer's phone number.

  • Name
    address
    Type
    object
    Description

    The customer's address.

    • Name
      line1
      Type
      string
      Description

      Address line 1 (e.g., street, PO Box, or company name).

    • Name
      line2
      Type
      string
      Description

      Address line 2 (e.g., apartment, suite, unit, or building).

    • Name
      city
      Type
      string
      Description

      City, district, suburb, town, or village.

    • Name
      postalCode
      Type
      string
      Description

      ZIP or postal code.

    • Name
      state
      Type
      string
      Description

      Two-letter state code (ISO3166 subdivision code)

    • Name
      country
      Type
      string
      Description

      Three-letter country code (ISO 3166-1 alpha-3).

  • Name
    proofOfAddressDocument
    Type
    string
    Description

    A base64 encoded string of the customer's proof of address document.

    • For Individual Customers

  • Name
    firstName
    Type
    string
    Description

    The customer's first name.

  • Name
    lastName
    Type
    string
    Description

    The customer's last name.

  • Name
    dob
    Type
    object
    Description

    The customer's date of birth.

    • Name
      day
      Type
      number
      Description

      The day of the customer's date of birth.

    • Name
      month
      Type
      number
      Description

      The month of the customer's date of birth.

    • Name
      year
      Type
      number
      Description

      The year of the customer's date of birth.

  • Name
    ssn
    Type
    string
    Description

    The customer's social security number.

  • Name
    identityDocumentFront
    Type
    string
    Description

    A base64 encoded string of the customer's identity document (front). Ex: passport, drivers license, etc.

  • Name
    identityDocumentBack
    Type
    string
    Description

    A base64 encoded string of the customer's identity document. (back) Ex: passport, drivers license, etc.

    • For Business Customers

  • Name
    businessType
    Type
    enum
    Description

    The type of business. One of individual, business.

  • Name
    ein
    Type
    string
    Description

    The business's employer identification number (EIN).

  • Name
    name
    Type
    string
    Description

    The business's legal name.

  • Name
    description
    Type
    string
    Description

    The business's description.

  • Name
    thirdParty
    Type
    boolean
    Description

    Whether the business is a third party.

  • Name
    thirdPartyMessage
    Type
    string
    Description

    The message that the business is sending to their third party. Relevant if the business is a third party.

  • Name
    tosAccepted
    Type
    boolean
    Description

    Whether the business has accepted the TOS.

  • Name
    ubos
    Type
    object array
    Description

    A list of ultimate beneficial owners (UBOs) for the business.

    • Name
      firstName
      Type
      string
      Description

      The customer's first name.

    • Name
      lastName
      Type
      string
      Description

      The customer's last name.

    • Name
      dob
      Type
      object
      Description

      The customer's date of birth.

      • Name
        day
        Type
        number
        Description

        The day of the customer's date of birth.

      • Name
        month
        Type
        number
        Description

        The month of the customer's date of birth.

      • Name
        year
        Type
        number
        Description

        The year of the customer's date of birth.

    • Name
      ssn
      Type
      string
      Description

      The customer's social security number.

    • Name
      business
      Type
      string
      Description

      The id of a business customer object associated with the individual customer. Relevant if the individual customer is a UBO.

    • Name
      identityDocumentFront
      Type
      string
      Description

      A base64 encoded string of the customer's identity document (front). Ex: passport, drivers license, etc.

    • Name
      identityDocumentBack
      Type
      string
      Description

      A base64 encoded string of the customer's identity document. (back) Ex: passport, drivers license, etc.

  • Name
    incorporationDocument
    Type
    string
    Description

    A base64 encoded string of the customer's incorporation document.

  • Name
    shareholderDocument
    Type
    string
    Description

    A base64 encoded string of the customer's shareholder document.

  • Name
    statementOfFunds
    Type
    string
    Description

    A base64 encoded string of the customer's statement of funds document.

  • Name
    estimatedAnnualRevenueUsd
    Type
    number
    Description

    The estimated annual revenue of the business in USD.

  • Name
    expectedMonthlyPaymentsUsd
    Type
    number
    Description

    The expected monthly payments of the business.

  • Name
    operatesInProhibitedCountries
    Type
    boolean
    Description

    Whether the business operates in prohibited countries.

  • Name
    highRiskActivities
    Type
    string array
    Description

    The high risk activities of the business. One of none_of_the_above, adult_entertainment, gambling, hold_client_funds, investment_activities, lending_banking, marijuana_or_related_services, money_services, operate_foreign_exchange_virtual_currencies_brokerage_otc, safe_deposit_box_rentals, third_party_payment_processing, or weapons_firearms_and_explosives.

  • Name
    sourceOfFundsDescription
    Type
    enum
    Description

    The description of the business's source of funds.

  • Name
    transmitsCustomerFunds
    Type
    boolean
    Description

    Whether the business transmits customer funds.

  • Name
    transmitsCustomerFundsDescription
    Type
    string
    Description

    The description of the business transmitting customer funds.

Request

POST
/v1/customer
curl https://api.spherepay.co/v1/customer \
  -H "Authorization: Bearer {token}" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "individual",
    "firstName": "John",
    "lastName": "Doe",
    "email": "johndoe123@gmail.com",
    "phoneNumber": "+12345678900",
    "address": {
      "line1": "123 Main St",
      "city": "San Francisco",
      "postalCode": "94107",
      "state": "CA",
      "country": "USA"
    },
    "dob": {
      "month": 3,
      "day": 23,
      "year": 1990
    }
  }'

Response

{
  "ok": true,
  "object": "object",
  "statusCode": 200,
  "error": null,
  "message": "success",
  "data": {
    "customer": {
      "id": "customer_8444b807ac58487d9ed2001e830c9e69",
      "meta": {},
      "description": null,
      "sourceOfFunds": null,
      "thirdParty": null,
      "thirdPartyMessage": null,
      "lookupKey": null,
      "type": "individual",
      "kyc": "incomplete",
      "tos": "incomplete",
      "msa": "incomplete",
      "euAccountTos": "incomplete",
      "operatingResidency": "incomplete",
      "isProhibitedBusinessType": null,
      "website": null,
      "additionalReviewRequiredReason": null,
      "requirements": ["customerIdentityDocument", "ssn"],
      "address": {
        "line1": "123 Main St",
        "line2": null,
        "city": "San Francisco",
        "postalCode": "94107",
        "state": "CA",
        "country": "USA"
      },
      "ubos": [],
      "email": "johndoe123@gmail.com",
      "firstName": "John",
      "lastName": "Doe",
      "phoneNumber": "+12345678900",
      "mock": false,
      "wallets": [],
      "bankAccounts": [],
      "achPullUserIntentId": null,
      "verificationLevels": [],
      "created": "2024-08-22T16:13:01.227Z",
      "updated": "2024-08-22T16:13:01.227Z"
    }
  },
  "ts": "2024-08-22T16:13:02.026Z",
  "request": "request_29562171ced84c5ea09df36ef22101e8"
}
GET/v1/customer/:id

Retrieve a customer

This endpoint allows you to retrieve a customer by id.

Request

GET
/v1/customer/:id
curl -G https://api.spherepay.co/v1/customer/customer_8444b807ac58487d9ed2001e830c9e69 \
  -H "Authorization: Bearer {token}"

Response

{
  "ok": true,
  "object": "object",
  "statusCode": 200,
  "error": null,
  "message": "success",
  "data": {
    "customer": {
      "id": "customer_8444b807ac58487d9ed2001e830c9e69",
      "meta": {},
      "description": null,
      "sourceOfFunds": null,
      "thirdParty": null,
      "thirdPartyMessage": null,
      "lookupKey": null,
      "type": "individual",
      "kyc": "incomplete",
      "tos": "incomplete",
      "msa": "incomplete",
      "euAccountTos": "incomplete",
      "operatingResidency": "incomplete",
      "isProhibitedBusinessType": null,
      "website": null,
      "additionalReviewRequiredReason": null,
      "requirements": ["customerIdentityDocument", "ssn"],
      "address": {
        "line1": "123 Main St",
        "line2": null,
        "city": "San Francisco",
        "postalCode": "94107",
        "state": "CA",
        "country": "USA"
      },
      "ubos": [],
      "email": "johndoe123@gmail.com",
      "firstName": "John",
      "lastName": "Doe",
      "phoneNumber": "+12345678900",
      "mock": false,
      "wallets": [],
      "bankAccounts": [],
      "achPullUserIntentId": null,
      "verificationLevels": [],
      "created": "2024-08-22T16:13:01.227Z",
      "updated": "2024-08-22T16:13:01.227Z"
    }
  },
  "ts": "2024-08-22T16:15:42.707Z",
  "request": "request_cdde26b2c0534183a1aaba6baebaec1f"
}
POST/v1/customer/:id

Update a customer

This endpoint allows you to update a customer. Any parameters not provided are left unchanged. You can not update a customer that has already been KYCd.

Parameters

  • Name
    type
    Type
    enum
    Description

    The type of customer. Either individual or business.

  • Name
    meta
    Type
    object
    Description

    Set of key-value pairs (JSON) that you can attach to a customer object which can be useful for storing additional information about the object.

  • Name
    lookupKey
    Type
    string
    Description

    The lookup key of a customer. A lookup key allows you to list all resources associated with a given key.

  • Name
    email
    Type
    string
    Description

    The customer's email address.

  • Name
    website
    Type
    string
    Description

    The website of the customer.

  • Name
    phoneNumber
    Type
    string
    Description

    The customer's phone number.

  • Name
    address
    Type
    object
    Description

    The customer's address.

    • Name
      line1
      Type
      string
      Description

      Address line 1 (e.g., street, PO Box, or company name).

    • Name
      line2
      Type
      string
      Description

      Address line 2 (e.g., apartment, suite, unit, or building).

    • Name
      city
      Type
      string
      Description

      City, district, suburb, town, or village.

    • Name
      postalCode
      Type
      string
      Description

      ZIP or postal code.

    • Name
      state
      Type
      string
      Description

      Two-letter state code (ISO3166 subdivision code)

    • Name
      country
      Type
      string
      Description

      Three-letter country code (ISO 3166-1 alpha-3).

  • Name
    proofOfAddressDocument
    Type
    string
    Description

    A base64 encoded string of the customer's proof of address document.

    • For Individual Customers

  • Name
    firstName
    Type
    string
    Description

    The customer's first name.

  • Name
    lastName
    Type
    string
    Description

    The customer's last name.

  • Name
    dob
    Type
    object
    Description

    The customer's date of birth.

    • Name
      day
      Type
      number
      Description

      The day of the customer's date of birth.

    • Name
      month
      Type
      number
      Description

      The month of the customer's date of birth.

    • Name
      year
      Type
      number
      Description

      The year of the customer's date of birth.

  • Name
    ssn
    Type
    string
    Description

    The customer's social security number.

  • Name
    identityDocumentFront
    Type
    string
    Description

    A base64 encoded string of the customer's identity document (front). Ex: passport, drivers license, etc.

  • Name
    identityDocumentBack
    Type
    string
    Description

    A base64 encoded string of the customer's identity document. (back) Ex: passport, drivers license, etc.

  • Name
    actingAsIntermediary
    Type
    boolean
    Description

    Whether the customer is acting as an intermediary.

  • Name
    employmentStatus
    Type
    string
    Description

    The customer's employment status.

  • Name
    expectedMonthlyPayments
    Type
    string
    Description

    The customer's expected monthly payments.

  • Name
    mostRecentOccupation
    Type
    string
    Description

    The customer's most recent occupation.

    • For Business Customers

  • Name
    businessType
    Type
    enum
    Description

    The type of business. One of individual, business.

  • Name
    ein
    Type
    string
    Description

    The business's employer identification number (EIN).

  • Name
    name
    Type
    string
    Description

    The business's legal name.

  • Name
    description
    Type
    string
    Description

    The business's description.

  • Name
    thirdParty
    Type
    boolean
    Description

    Whether the business is a third party.

  • Name
    thirdPartyMessage
    Type
    string
    Description

    The message that the business is sending to their third party. Relevant if the business is a third party.

  • Name
    tosAccepted
    Type
    boolean
    Description

    Whether the business has accepted the TOS.

  • Name
    ubos
    Type
    object array
    Description

    A list of ultimate beneficial owners (UBOs) for the business.

    • Name
      firstName
      Type
      string
      Description

      The customer's first name.

    • Name
      lastName
      Type
      string
      Description

      The customer's last name.

    • Name
      dob
      Type
      object
      Description

      The customer's date of birth.

      • Name
        day
        Type
        number
        Description

        The day of the customer's date of birth.

      • Name
        month
        Type
        number
        Description

        The month of the customer's date of birth.

      • Name
        year
        Type
        number
        Description

        The year of the customer's date of birth.

    • Name
      ssn
      Type
      string
      Description

      The customer's social security number.

    • Name
      business
      Type
      string
      Description

      The id of a business customer object associated with the individual customer. Relevant if the individual customer is a UBO.

    • Name
      identityDocumentFront
      Type
      string
      Description

      A base64 encoded string of the customer's identity document (front). Ex: passport, drivers license, etc.

    • Name
      identityDocumentBack
      Type
      string
      Description

      A base64 encoded string of the customer's identity document. (back) Ex: passport, drivers license, etc.

    • Name
      actingAsIntermediary
      Type
      boolean
      Description

      Whether the customer is acting as an intermediary.

    • Name
      employmentStatus
      Type
      string
      Description

      The customer's employment status.

    • Name
      expectedMonthlyPayments
      Type
      string
      Description

      The customer's expected monthly payments.

    • Name
      mostRecentOccupation
      Type
      string
      Description

      The customer's most recent occupation.

  • Name
    incorporationDocument
    Type
    string
    Description

    A base64 encoded string of the customer's incorporation document.

  • Name
    shareholderDocument
    Type
    string
    Description

    A base64 encoded string of the customer's shareholder document.

  • Name
    statementOfFunds
    Type
    string
    Description

    A base64 encoded string of the customer's statement of funds document.

  • Name
    estimatedAnnualRevenueUsd
    Type
    enum
    Description

    The estimated annual revenue of the business. One of _0_99999, _100000_999999, _1000000_9999999, _10000000_49999999, _50000000_249999999, _250000000_plus.

  • Name
    expectedMonthlyPaymentsUsd
    Type
    number
    Description

    The expected monthly payments of the business.

  • Name
    operatesInProhibitedCountries
    Type
    boolean
    Description

    Whether the business operates in prohibited countries.

  • Name
    highRiskActivities
    Type
    string array
    Description

    The high risk activities of the business. One of none_of_the_above, adult_entertainment, gambling, hold_client_funds, investment_activities, lending_banking, marijuana_or_related_services, money_services, operate_foreign_exchange_virtual_currencies_brokerage_otc, safe_deposit_box_rentals, third_party_payment_processing, or weapons_firearms_and_explosives.

  • Name
    sourceOfFundsDescription
    Type
    enum
    Description

    The description of the business's source of funds.

  • Name
    transmitsCustomerFunds
    Type
    boolean
    Description

    Whether the business transmits customer funds.

  • Name
    transmitsCustomerFundsDescription
    Type
    string
    Description

    The description of the business transmitting customer funds.

Request

POST
/v1/customer/:id
 curl https://api.spherepay.co/v1/customer/customer_8444b807ac58487d9ed2001e830c9e69 \
  -H "Authorization: Bearer {token}" \
  -H "Content-Type: application/json" \
  -d '{
    "website": "https://www.example.com",
    "meta": {
      "key": "value"
    },
    "ssn": "111-11-1111"
  }'

Response

{
  "ok": true,
  "object": "object",
  "statusCode": 200,
  "error": null,
  "message": "success",
  "data": {
    "customer": {
      "id": "customer_8444b807ac58487d9ed2001e830c9e69",
      "meta": { "key": "value" },
      "description": null,
      "sourceOfFunds": null,
      "thirdParty": null,
      "thirdPartyMessage": null,
      "lookupKey": null,
      "type": "individual",
      "kyc": "pending",
      "tos": "incomplete",
      "msa": "incomplete",
      "euAccountTos": "incomplete",
      "operatingResidency": "incomplete",
      "isProhibitedBusinessType": null,
      "website": "https://www.example.com",
      "additionalReviewRequiredReason": null,
      "requirements": ["customerIdentityDocument"],
      "address": {
        "line1": "123 Main St",
        "line2": null,
        "city": "San Francisco",
        "postalCode": "94107",
        "state": "CA",
        "country": "USA"
      },
      "ubos": [],
      "email": "johndoe123@gmail.com",
      "firstName": "John",
      "lastName": "Doe",
      "phoneNumber": "+12345678900",
      "mock": false,
      "wallets": [],
      "bankAccounts": [],
      "achPullUserIntentId": null,
      "verificationLevels": [
        {
          "name": "ach_pull",
          "status": "incomplete",
          "requirements": ["ipAddress", "createUserIntent"]
        }
      ],
      "created": "2024-08-22T16:13:01.227Z",
      "updated": "2024-08-22T16:42:51.145Z"
    }
  },
  "ts": "2024-08-22T16:42:51.155Z",
  "request": "request_fdbd4080334249879331982e2b292e62"
}

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