> ## 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.

# Crear un Cliente Individual o Empresarial

> Create a new customer.

Antes de poder iniciar cualquier transferencia, debes crear un registro de cliente (`customer`) en SpherePay. Este endpoint registra un cliente individual o empresarial y devuelve un objeto de cliente con un ID único y un array `verificationProfiles` que rastrea el estado de completitud de KYC/KYB. Debes especificar `type` desde el inicio — no puede cambiarse después de la creación.


## OpenAPI

````yaml openapi/spherepay.yaml POST /v2/customer
openapi: 3.0.0
info:
  title: ''
  description: ''
  version: 1.0.0
  contact: {}
servers:
  - url: https://api.spherepay.co
    description: Production
security:
  - bearer: []
tags: []
paths:
  /v2/customer:
    post:
      summary: Create a Customer
      description: Create a new customer.
      parameters: []
      requestBody:
        required: true
        content:
          application/json:
            schema:
              oneOf:
                - title: Individual Customer Create
                  type: object
                  properties:
                    type:
                      type: string
                      enum:
                        - individual
                    email:
                      description: The customer email address
                      example: jane.smith@example.com
                      type: string
                      format: email
                      maxLength: 254
                    phone:
                      description: The customer phone number in E.164 format
                      example: '+14155550123'
                      type: string
                      pattern: ^\+(?:[0-9]){6,14}[0-9]$
                    address:
                      description: The customer's address.
                      type: object
                      properties:
                        line1:
                          description: The first line of the street address
                          example: 233 South Wacker Drive
                          type: string
                          minLength: 1
                          maxLength: 255
                        line2:
                          description: >-
                            The second line of the street address (apartment,
                            suite, etc.)
                          example: Suite 4700
                          type: string
                          maxLength: 255
                        city:
                          description: The city name
                          example: Chicago
                          type: string
                          minLength: 1
                          maxLength: 255
                        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
                        postalCode:
                          description: >-
                            The postal or ZIP code. Required for countries that
                            use postal codes
                          example: '60606'
                          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
                      required:
                        - line1
                        - city
                        - country
                    firstName:
                      description: The customer's legal first name.
                      example: Jane
                      type: string
                      minLength: 1
                      maxLength: 100
                    lastName:
                      description: The customer's legal last name.
                      example: Smith
                      type: string
                      minLength: 1
                      maxLength: 100
                    middleName:
                      description: The customer's legal middle name.
                      example: Anne
                      type: string
                      minLength: 1
                      maxLength: 100
                    dateOfBirth:
                      description: The date string in YYYY-MM-DD format
                      example: '2026-01-01'
                      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.
                      type: object
                      properties:
                        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'
                          type: string
                          minLength: 1
                          pattern: ^[a-zA-Z0-9]+$
                        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
                          type: string
                          minLength: 1
                        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
                          type: string
                          minLength: 1
                        taxIdentificationNumberDescription:
                          description: >-
                            Description of the tax identification number.
                            Required when type is `other`
                          type: string
                        gender:
                          description: >-
                            The gender of the customer. Required by some
                            verification providers.
                          example: male
                          type: string
                          enum:
                            - male
                            - female
                            - other
                        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
                        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: 15-1132
                          type: string
                          minLength: 1
                          maxLength: 20
                        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.
                          example: salary
                          type: string
                          enum:
                            - salary
                            - business_income
                            - investment_returns
                            - inheritance
                            - gift
                            - savings
                            - other
                      required:
                        - taxIdentificationNumber
                        - taxIdentificationNumberType
                        - taxIdentificationNumberCountry
                    meta:
                      description: Additional metadata associated with the customer
                      type: object
                      additionalProperties:
                        type: string
                  required:
                    - type
                    - email
                    - phone
                    - address
                - title: Business Customer Create
                  type: object
                  properties:
                    type:
                      description: The customer type.
                      example: business
                      type: string
                      enum:
                        - business
                    email:
                      description: The business customer's email address.
                      example: contact@acmecorp.example.com
                      type: string
                      format: email
                      maxLength: 254
                    phone:
                      description: The business customer's phone number in E.164 format.
                      example: '+14155551234'
                      type: string
                      pattern: ^\+(?:[0-9]){6,14}[0-9]$
                    addresses:
                      description: >-
                        The business customer's addresses which includes a
                        registered address and an operating address.
                      type: array
                      minItems: 2
                      maxItems: 2
                      items:
                        description: The business customer's address.
                        example:
                          type: registered
                          country: USA
                          line1: 123 Main Street
                          line2: Suite 100
                          city: Chicago
                          state: IL
                          postalCode: '60601'
                        type: object
                        properties:
                          line1:
                            description: The first line of the street address
                            example: 233 South Wacker Drive
                            type: string
                            minLength: 1
                            maxLength: 255
                          line2:
                            description: >-
                              The second line of the street address (apartment,
                              suite, etc.)
                            example: Suite 4700
                            type: string
                            maxLength: 255
                          city:
                            description: The city name
                            example: Chicago
                            type: string
                            minLength: 1
                            maxLength: 255
                          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
                          postalCode:
                            description: >-
                              The postal or ZIP code. Required for countries
                              that use postal codes
                            example: '60606'
                            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
                          type:
                            type: string
                            enum:
                              - operating
                              - registered
                        required:
                          - line1
                          - city
                          - country
                          - type
                    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).
                      type: object
                      properties:
                        legalName:
                          description: The business legal name.
                          example: Acme Corporation Inc.
                          type: string
                          minLength: 1
                        tradeName:
                          description: The business trade name.
                          example: Acme Corp
                          type: string
                          minLength: 1
                        entityType:
                          description: The business entity type.
                          example: corporation
                          type: string
                          enum:
                            - cooperative
                            - corporation
                            - llc
                            - partnership
                            - sole_proprietorship
                            - trust
                            - other
                        entityTypeDescription:
                          description: >-
                            The business entity type description. This is
                            required when entityType is "other".
                          example: Limited Liability Partnership
                          type: string
                          minLength: 1
                        description:
                          description: The business description.
                          example: >-
                            Acme Corporation provides enterprise software
                            solutions for supply chain management and logistics
                            optimization.
                          type: string
                          minLength: 1
                          maxLength: 1000
                        naicsCode:
                          description: >-
                            The business NAICS code. Please refer to NAICS codes
                            for the list of valid codes.
                          example: '511210'
                          type: string
                          minLength: 1
                        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
                          type: string
                          format: uri
                        incorporatedOn:
                          description: The date string in YYYY-MM-DD format
                          example: '2026-01-01'
                          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
                          type: string
                          minLength: 1
                        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'
                          type: string
                          minLength: 1
                          maxLength: 100
                          pattern: ^[a-zA-Z0-9]+$
                        registrationNumber:
                          description: >-
                            Company registration number (state registry,
                            Companies House, etc.), separate from the tax
                            identifier in `identificationNumber`.
                          example: C1234567
                          type: string
                          minLength: 1
                          maxLength: 100
                        identificationNumberDescription:
                          description: >-
                            The business identification number description. This
                            is required when identificationNumberType is
                            "other".
                          example: Social Security Number
                          type: string
                          minLength: 1
                        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.
                          example: '1000000_9999999'
                          type: string
                          enum:
                            - '0_99999'
                            - '100000_999999'
                            - '1000000_9999999'
                            - '10000000_49999999'
                            - '50000000_249999999'
                            - 250000000_plus
                        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
                        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
                        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)
                          type: string
                          minLength: 1
                          maxLength: 500
                        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
                          type: string
                          minLength: 1
                          maxLength: 200
                        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
                        accountPurpose:
                          description: The business account purpose
                          example: investment_purposes
                          type: string
                          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
                        accountPurposeDescription:
                          description: >-
                            The business account purpose description. This is
                            required when accountPurpose is "other".
                          example: Business checking account
                          type: string
                          minLength: 1
                        primarySourceOfFunds:
                          description: The business primary source of funds
                          example: sales_of_goods_and_services
                          type: string
                          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
                        primarySourceOfFundsDescription:
                          description: The business primary source of funds description.
                          example: >-
                            Revenue from software licensing and consulting
                            services
                          type: string
                          minLength: 1
                        isDao:
                          description: >-
                            Whether the business is a decentralized autonomous
                            organization (DAO).
                          example: false
                          type: boolean
                        regulatedActivities:
                          description: The business regulated activities.
                          example:
                            - none_of_the_above
                          type: array
                          minItems: 1
                          items:
                            description: The business regulated activity
                            example: money_services
                            type: string
                            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
                        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
                          type: string
                          minLength: 1
                        participatesInRegulatedFinancialActivity:
                          type: boolean
                        regulatedFinancialActivityDescription:
                          description: >-
                            The business regulated financial activity
                            description. This is required when
                            participatesInRegulatedFinancialActivity is true.
                          example: The business engages in money services
                          type: string
                          minLength: 1
                        moneyServicesDescription:
                          description: >-
                            The business money services description. This is
                            required when regulatedActivities contains
                            "money_services".
                          example: The business engages in money services
                          type: string
                          minLength: 1
                        complianceScreeningExplanation:
                          description: >-
                            The business compliance screening explanation. This
                            is required when regulatedActivities contains
                            "money_services".
                          example: >-
                            The business complies with all applicable
                            regulations
                          type: string
                          minLength: 1
                        operatesInProhibitedCountries:
                          description: >-
                            Whether the business operates in prohibited
                            countries.
                          example: false
                          type: boolean
                      required:
                        - legalName
                        - tradeName
                        - entityType
                        - description
                        - naicsCode
                        - incorporatedOn
                        - identificationNumberType
                        - identificationNumber
                        - estimatedAnnualRevenueInUsd
                        - expectedMonthlyPaymentsInUsd
                        - accountPurpose
                        - primarySourceOfFunds
                        - primarySourceOfFundsDescription
                        - isDao
                        - regulatedActivities
                        - participatesInRegulatedFinancialActivity
                        - operatesInProhibitedCountries
                    meta:
                      description: Additional metadata associated with the customer
                      type: object
                      additionalProperties:
                        type: string
                  required:
                    - type
                    - email
                    - phone
                    - addresses
                    - businessInformation
      responses:
        '201':
          description: ''
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerResponseDto'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailsDto'
              examples:
                Bad Request:
                  summary: Bad Request
                  value:
                    status: 400
                    detail: Invalid request parameters
                    code: address/invalid
                    correlationId: 28c61e885c6e5eaa78c1a2183a9b883c
        '404':
          description: Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailsDto'
              examples:
                Not Found:
                  summary: Not Found
                  value:
                    status: 404
                    detail: Resource not found
                    code: resource/not-found
                    correlationId: 28c61e885c6e5eaa78c1a2183a9b883c
        '422':
          description: Unprocessable Entity - Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ProblemDetailsDto'
              examples:
                Validation Error:
                  summary: Validation Error
                  value:
                    status: 422
                    detail: Validation failed
                    code: validation/failed
                    correlationId: 28c61e885c6e5eaa78c1a2183a9b883c
                    errors:
                      - detail: Invalid email format
                        pointer: /email
                      - detail: Name is required
                        pointer: /name
components:
  schemas:
    CustomerResponseDto:
      oneOf:
        - title: Individual
          description: Response containing information about an individual customer.
          type: object
          properties:
            id:
              description: Customer ID
              example: customer_f31121c389624d3697cbf3ea8830b7a4
              type: string
            email:
              description: Customer email address
              example: jane.smith@example.com
              type: string
            phone:
              description: Customer phone number
              example: '+14155550123'
              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:
                - name: kyc_profile_a
                  status: incomplete
                  criteria:
                    complete:
                      - email_address
                      - phone_number
                      - residential_address
                      - tax_identification_number
                    pending: []
                    required:
                      - identity_document
                      - liveness_report_document
                    errors: []
              type: array
              items:
                type: object
                properties:
                  name:
                    description: The name of the verification profile.
                    example: kyc_profile_a
                    type: string
                    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
                  status:
                    description: The status of the verification profile.
                    example: incomplete
                    type: string
                    enum:
                      - incomplete
                      - pending
                      - approved
                      - rejected
                      - resubmission_required
                  criteria:
                    description: The criteria for the verification profile.
                    example:
                      complete:
                        - email_address
                        - phone_number
                        - residential_address
                        - tax_identification_number
                      pending: []
                      required:
                        - identity_document
                        - liveness_report_document
                      errors: []
                    type: object
                    properties:
                      complete:
                        description: Completed fields.
                        example:
                          - email_address
                          - phone_number
                          - residential_address
                          - tax_identification_number
                        type: array
                        items:
                          type: string
                      pending:
                        description: >-
                          Pending fields. These fields are currently being
                          verified.
                        example: []
                        type: array
                        items:
                          type: string
                      required:
                        description: >-
                          Required fields. These fields are required to be
                          completed before the verification profile can be
                          approved.
                        example:
                          - identity_document
                          - liveness_report_document
                        type: array
                        items:
                          type: string
                      errors:
                        description: The errors that occurred while verifying the fields.
                        example: []
                        type: array
                        items:
                          type: object
                          properties:
                            name:
                              type: string
                              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
                                - 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
                            detail:
                              type: string
                          required:
                            - name
                    required:
                      - complete
                      - pending
                      - required
                      - errors
                required:
                  - name
                  - status
            meta:
              type: object
              additionalProperties: {}
            tosStatus:
              description: >-
                Customer Terms of Service acceptance status (incomplete |
                pending | approved).
              example: incomplete
              type: string
              enum:
                - incomplete
                - pending
                - approved
              x-enumNames:
                - Incomplete
                - Pending
                - Approved
            createdAt:
              description: ISO 8601 formatted customer creation timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            updatedAt:
              description: ISO 8601 formatted customer update timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            type:
              description: Customer type
              example: individual
              type: string
              enum:
                - individual
            firstName:
              description: Customer first name (individual customers only)
              example: Jane
              type: string
            lastName:
              description: Customer last name (individual customers only)
              example: Smith
              type: string
            dateOfBirth:
              description: >-
                The customer's date of birth in YYYY-MM-DD format (individual
                customers only).
              example: '1990-01-15'
              type: string
            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.
              type: object
              properties:
                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
                  type: string
                  minLength: 1
                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
                  type: string
                  minLength: 1
                taxIdentificationNumberDescription:
                  description: >-
                    Description of the tax identification number. Required when
                    type is `other`
                  type: string
                gender:
                  description: >-
                    The gender of the customer. Required by some verification
                    providers.
                  example: male
                  type: string
                  enum:
                    - male
                    - female
                    - other
                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
                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
                middleName:
                  description: >-
                    The customer's middle name. Required for some verification
                    flows.
                  example: James
                  type: string
                  minLength: 1
                  maxLength: 255
                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: 15-1132
                  type: string
                  minLength: 1
                  maxLength: 20
                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.
                  example: salary
                  type: string
                  enum:
                    - salary
                    - business_income
                    - investment_returns
                    - inheritance
                    - gift
                    - savings
                    - other
          required:
            - id
            - verificationProfiles
            - tosStatus
            - createdAt
            - updatedAt
            - type
        - title: Business
          description: Response containing information about a business customer.
          type: object
          properties:
            id:
              description: Customer ID
              example: customer_f31121c389624d3697cbf3ea8830b7a4
              type: string
            email:
              description: Customer email address
              example: jane.smith@example.com
              type: string
            phone:
              description: Customer phone number
              example: '+14155550123'
              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:
                - name: kyc_profile_a
                  status: incomplete
                  criteria:
                    complete:
                      - email_address
                      - phone_number
                      - residential_address
                      - tax_identification_number
                    pending: []
                    required:
                      - identity_document
                      - liveness_report_document
                    errors: []
              type: array
              items:
                type: object
                properties:
                  name:
                    description: The name of the verification profile.
                    example: kyc_profile_a
                    type: string
                    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
                  status:
                    description: The status of the verification profile.
                    example: incomplete
                    type: string
                    enum:
                      - incomplete
                      - pending
                      - approved
                      - rejected
                      - resubmission_required
                  criteria:
                    description: The criteria for the verification profile.
                    example:
                      complete:
                        - email_address
                        - phone_number
                        - residential_address
                        - tax_identification_number
                      pending: []
                      required:
                        - identity_document
                        - liveness_report_document
                      errors: []
                    type: object
                    properties:
                      complete:
                        description: Completed fields.
                        example:
                          - email_address
                          - phone_number
                          - residential_address
                          - tax_identification_number
                        type: array
                        items:
                          type: string
                      pending:
                        description: >-
                          Pending fields. These fields are currently being
                          verified.
                        example: []
                        type: array
                        items:
                          type: string
                      required:
                        description: >-
                          Required fields. These fields are required to be
                          completed before the verification profile can be
                          approved.
                        example:
                          - identity_document
                          - liveness_report_document
                        type: array
                        items:
                          type: string
                      errors:
                        description: The errors that occurred while verifying the fields.
                        example: []
                        type: array
                        items:
                          type: object
                          properties:
                            name:
                              type: string
                              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
                                - 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
                            detail:
                              type: string
                          required:
                            - name
                    required:
                      - complete
                      - pending
                      - required
                      - errors
                required:
                  - name
                  - status
            meta:
              type: object
              additionalProperties: {}
            tosStatus:
              description: >-
                Customer Terms of Service acceptance status (incomplete |
                pending | approved).
              example: incomplete
              type: string
              enum:
                - incomplete
                - pending
                - approved
              x-enumNames:
                - Incomplete
                - Pending
                - Approved
            createdAt:
              description: ISO 8601 formatted customer creation timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            updatedAt:
              description: ISO 8601 formatted customer update timestamp
              example: '2026-03-09T20:46:31.305Z'
              type: string
            type:
              description: Customer type
              example: business
              type: string
              enum:
                - business
            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
          required:
            - id
            - verificationProfiles
            - tosStatus
            - createdAt
            - updatedAt
            - type
    ProblemDetailsDto:
      type: object
      properties:
        title:
          type: string
        status:
          type: integer
        detail:
          type: string
        code:
          type: string
        errors:
          type: array
          items:
            type: object
            properties:
              detail:
                type: string
              pointer:
                type: string
              parameter:
                type: string
              header:
                type: string
            required:
              - detail
        correlationId:
          type: string
      required:
        - status
        - detail
  securitySchemes:
    bearer:
      scheme: bearer
      bearerFormat: JWT
      type: http

````