Create Business Customer V2
curl --request POST \
--url https://sandbox.api.fin.com/v2/customers/business \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"verification_type": "STANDARD",
"industry_codes": [
"541512",
"522390"
],
"basic_info": {
"legal_name": "Fin.com",
"legal_name_en": "Fin.com",
"trade_name": "Toronggo",
"trade_name_en": "Toronggo",
"description": "Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"email": "m@tech.com",
"phone": "+8801529876543",
"incorporation_date": "2018-06-15",
"country_of_incorporation": "BGD",
"registration_number": "C-123456/2018",
"is_dao": false,
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "123456789012"
}
],
"websites": [
"https://fin.com"
]
},
"financial_profile": {
"purpose_id": 3,
"purpose_remarks": "Cross-border B2B payments for international suppliers",
"source_of_fund_ids": [
1,
4
],
"source_of_funds_description": "Revenue from software licensing and technology services",
"source_of_wealth_ids": [
2
],
"estimated_annual_revenue_usd": 5000000,
"expected_monthly_deposits_usd": 400000,
"expected_monthly_withdrawals_usd": 350000,
"expected_transaction_value_usd": 50000,
"expected_monthly_transaction_count": 20,
"third_party_fund_usage": false
},
"addresses": {
"is_incorporated_address_same": false,
"incorporated_address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"physical_address": {
"street_line_1": "Level 5, 45 Gulshan Avenue",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1212",
"country": "BGD"
}
},
"associated_parties": [
{
"ref": "owner-001",
"basic_info": {
"first_name": "Fatima",
"last_name": "Rahman",
"dob": "1990-05-15",
"email": "fatima.rahman22@acmecorp.com.bd",
"phone": "+8801711223344",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "1234567890123"
}
]
},
"address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"roles": [
"shareholder"
],
"ownership_info": {
"designation": "CEO & Founder",
"percentage_of_ownership": 60,
"relationship_establishment_date": "2018-06-15",
"has_control": true,
"is_signer": true,
"is_director": true
}
},
{
"ref": "owner-002",
"basic_info": {
"first_name": "Karim",
"last_name": "Islam",
"dob": "1992-08-22",
"email": "karim.islam22@acmecorp.com.bd",
"phone": "+8801822334455",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "9876543210123"
}
]
},
"address": {
"street_line_1": "Flat 3B, 78 Mirpur Road",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1216",
"country": "BGD"
},
"roles": [
"ubo"
],
"ownership_info": {
"designation": "CTO & Co-Founder",
"percentage_of_ownership": 40,
"relationship_establishment_date": "2018-06-15",
"has_control": false,
"is_signer": false,
"is_director": false
}
}
],
"holding_structure": {
"has_material_intermediary_ownership": true,
"corporate_shareholders": [
{
"entity_name": "Toronggo Ventures Limited",
"entity_name_en": "Toronggo Ventures Limited",
"registration_country_code": "BGD",
"ownership_percentage": 0,
"registration_number": "C-987654/2015",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"incorporation_date": "2015-03-01"
}
]
},
"compliance": {
"operates_in_prohibited_countries": false,
"additional_description_for_compliance_screening": "We do not operate in any OFAC-sanctioned jurisdictions.",
"risk_profile": {
"high_risk_activities": [
"adult_entertainment"
],
"high_risk_activities_explanation": "We facilitate cross-border B2B payments, subject to enhanced due diligence.",
"conducts_money_services": true,
"conducts_money_services_via_fin": false,
"conducts_money_services_description": "Licensed payment service provider offering international transfer services."
},
"regulated_activity": {
"description": "Licensed payment service provider under Bangladesh Bank regulation",
"primary_authority_country_code": "BGD",
"primary_authority_name": "Bangladesh Bank",
"license_number": "PSP-2019-00123"
},
"aml": {
"supervisory_authority_name": "Bangladesh Financial Intelligence Unit",
"license_number": "PSP-2019-00123",
"has_appointed_mlro": true,
"customer_risk_split": {
"low_risk": 70,
"medium_risk": 25,
"high_risk": 5
},
"prohibits_anonymous_or_fictitious_accounts": true,
"prohibits_accounts_for_unlicensed_or_shell_customers": true,
"customer_identity_verification": {
"method": "automated",
"system": "Jumio"
},
"pep_and_sanctions_screening": {
"method": "automated",
"system": "Dow Jones Risk & Compliance"
},
"sanction_lists": [
"OFAC",
"EU",
"UN",
"HMT"
],
"customer_risk_classification_from_due_diligence": true,
"enhanced_due_diligence_process": true,
"transaction_monitoring": {
"method": "automated",
"system": "Actimize"
},
"procedures_for_transaction_monitoring": true,
"subject_to_ml_or_tf_investigation": "none",
"subject_to_regulatory_enforcement_past_2_years": "none",
"confirms_no_service_to_sanctioned_countries": true,
"client_funds_accessibility": "closed_loop",
"aml_ctf_audit_completed": true,
"planned_audit_date": "2026-12-01"
}
},
"meta_data": {
"reference": "REF-20250123-TORONGGO"
}
}
'const url = 'https://sandbox.api.fin.com/v2/customers/business';
const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
verification_type: 'STANDARD',
industry_codes: ['541512', '522390'],
basic_info: {
legal_name: 'Fin.com',
legal_name_en: 'Fin.com',
trade_name: 'Toronggo',
trade_name_en: 'Toronggo',
description: 'Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients',
entity_type: 'LIMITED_LIABILITY_COMPANY',
email: 'm@tech.com',
phone: '+8801529876543',
incorporation_date: '2018-06-15',
country_of_incorporation: 'BGD',
registration_number: 'C-123456/2018',
is_dao: false,
tax_info: [{country_code: 'BGD', document_type: 'TIN', document_id: '123456789012'}],
websites: ['https://fin.com']
},
financial_profile: {
purpose_id: 3,
purpose_remarks: 'Cross-border B2B payments for international suppliers',
source_of_fund_ids: [1, 4],
source_of_funds_description: 'Revenue from software licensing and technology services',
source_of_wealth_ids: [2],
estimated_annual_revenue_usd: 5000000,
expected_monthly_deposits_usd: 400000,
expected_monthly_withdrawals_usd: 350000,
expected_transaction_value_usd: 50000,
expected_monthly_transaction_count: 20,
third_party_fund_usage: false
},
addresses: {
is_incorporated_address_same: false,
incorporated_address: {
street_line_1: 'House 12, Road 4, Dhanmondi',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1205',
country: 'BGD'
},
physical_address: {
street_line_1: 'Level 5, 45 Gulshan Avenue',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1212',
country: 'BGD'
}
},
associated_parties: [
{
ref: 'owner-001',
basic_info: {
first_name: 'Fatima',
last_name: 'Rahman',
dob: '1990-05-15',
email: 'fatima.rahman22@acmecorp.com.bd',
phone: '+8801711223344',
country_of_residence: 'BGD',
primary_nationality: 'BGD',
tax_info: [{country_code: 'BGD', document_type: 'TIN', document_id: '1234567890123'}]
},
address: {
street_line_1: 'House 12, Road 4, Dhanmondi',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1205',
country: 'BGD'
},
roles: ['shareholder'],
ownership_info: {
designation: 'CEO & Founder',
percentage_of_ownership: 60,
relationship_establishment_date: '2018-06-15',
has_control: true,
is_signer: true,
is_director: true
}
},
{
ref: 'owner-002',
basic_info: {
first_name: 'Karim',
last_name: 'Islam',
dob: '1992-08-22',
email: 'karim.islam22@acmecorp.com.bd',
phone: '+8801822334455',
country_of_residence: 'BGD',
primary_nationality: 'BGD',
tax_info: [{country_code: 'BGD', document_type: 'TIN', document_id: '9876543210123'}]
},
address: {
street_line_1: 'Flat 3B, 78 Mirpur Road',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1216',
country: 'BGD'
},
roles: ['ubo'],
ownership_info: {
designation: 'CTO & Co-Founder',
percentage_of_ownership: 40,
relationship_establishment_date: '2018-06-15',
has_control: false,
is_signer: false,
is_director: false
}
}
],
holding_structure: {
has_material_intermediary_ownership: true,
corporate_shareholders: [
{
entity_name: 'Toronggo Ventures Limited',
entity_name_en: 'Toronggo Ventures Limited',
registration_country_code: 'BGD',
ownership_percentage: 0,
registration_number: 'C-987654/2015',
entity_type: 'LIMITED_LIABILITY_COMPANY',
incorporation_date: '2015-03-01'
}
]
},
compliance: {
operates_in_prohibited_countries: false,
additional_description_for_compliance_screening: 'We do not operate in any OFAC-sanctioned jurisdictions.',
risk_profile: {
high_risk_activities: ['adult_entertainment'],
high_risk_activities_explanation: 'We facilitate cross-border B2B payments, subject to enhanced due diligence.',
conducts_money_services: true,
conducts_money_services_via_fin: false,
conducts_money_services_description: 'Licensed payment service provider offering international transfer services.'
},
regulated_activity: {
description: 'Licensed payment service provider under Bangladesh Bank regulation',
primary_authority_country_code: 'BGD',
primary_authority_name: 'Bangladesh Bank',
license_number: 'PSP-2019-00123'
},
aml: {
supervisory_authority_name: 'Bangladesh Financial Intelligence Unit',
license_number: 'PSP-2019-00123',
has_appointed_mlro: true,
customer_risk_split: {low_risk: 70, medium_risk: 25, high_risk: 5},
prohibits_anonymous_or_fictitious_accounts: true,
prohibits_accounts_for_unlicensed_or_shell_customers: true,
customer_identity_verification: {method: 'automated', system: 'Jumio'},
pep_and_sanctions_screening: {method: 'automated', system: 'Dow Jones Risk & Compliance'},
sanction_lists: ['OFAC', 'EU', 'UN', 'HMT'],
customer_risk_classification_from_due_diligence: true,
enhanced_due_diligence_process: true,
transaction_monitoring: {method: 'automated', system: 'Actimize'},
procedures_for_transaction_monitoring: true,
subject_to_ml_or_tf_investigation: 'none',
subject_to_regulatory_enforcement_past_2_years: 'none',
confirms_no_service_to_sanctioned_countries: true,
client_funds_accessibility: 'closed_loop',
aml_ctf_audit_completed: true,
planned_audit_date: '2026-12-01'
}
},
meta_data: {reference: 'REF-20250123-TORONGGO'}
})
};
fetch(url, options)
.then(res => res.json())
.then(json => console.log(json))
.catch(err => console.error(err));HttpResponse<String> response = Unirest.post("https://sandbox.api.fin.com/v2/customers/business")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"verification_type\": \"STANDARD\",\n \"industry_codes\": [\n \"541512\",\n \"522390\"\n ],\n \"basic_info\": {\n \"legal_name\": \"Fin.com\",\n \"legal_name_en\": \"Fin.com\",\n \"trade_name\": \"Toronggo\",\n \"trade_name_en\": \"Toronggo\",\n \"description\": \"Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"email\": \"m@tech.com\",\n \"phone\": \"+8801529876543\",\n \"incorporation_date\": \"2018-06-15\",\n \"country_of_incorporation\": \"BGD\",\n \"registration_number\": \"C-123456/2018\",\n \"is_dao\": false,\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"123456789012\"\n }\n ],\n \"websites\": [\n \"https://fin.com\"\n ]\n },\n \"financial_profile\": {\n \"purpose_id\": 3,\n \"purpose_remarks\": \"Cross-border B2B payments for international suppliers\",\n \"source_of_fund_ids\": [\n 1,\n 4\n ],\n \"source_of_funds_description\": \"Revenue from software licensing and technology services\",\n \"source_of_wealth_ids\": [\n 2\n ],\n \"estimated_annual_revenue_usd\": 5000000,\n \"expected_monthly_deposits_usd\": 400000,\n \"expected_monthly_withdrawals_usd\": 350000,\n \"expected_transaction_value_usd\": 50000,\n \"expected_monthly_transaction_count\": 20,\n \"third_party_fund_usage\": false\n },\n \"addresses\": {\n \"is_incorporated_address_same\": false,\n \"incorporated_address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"physical_address\": {\n \"street_line_1\": \"Level 5, 45 Gulshan Avenue\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1212\",\n \"country\": \"BGD\"\n }\n },\n \"associated_parties\": [\n {\n \"ref\": \"owner-001\",\n \"basic_info\": {\n \"first_name\": \"Fatima\",\n \"last_name\": \"Rahman\",\n \"dob\": \"1990-05-15\",\n \"email\": \"fatima.rahman22@acmecorp.com.bd\",\n \"phone\": \"+8801711223344\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"1234567890123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"shareholder\"\n ],\n \"ownership_info\": {\n \"designation\": \"CEO & Founder\",\n \"percentage_of_ownership\": 60,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": true,\n \"is_signer\": true,\n \"is_director\": true\n }\n },\n {\n \"ref\": \"owner-002\",\n \"basic_info\": {\n \"first_name\": \"Karim\",\n \"last_name\": \"Islam\",\n \"dob\": \"1992-08-22\",\n \"email\": \"karim.islam22@acmecorp.com.bd\",\n \"phone\": \"+8801822334455\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"9876543210123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"Flat 3B, 78 Mirpur Road\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1216\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"ubo\"\n ],\n \"ownership_info\": {\n \"designation\": \"CTO & Co-Founder\",\n \"percentage_of_ownership\": 40,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": false,\n \"is_signer\": false,\n \"is_director\": false\n }\n }\n ],\n \"holding_structure\": {\n \"has_material_intermediary_ownership\": true,\n \"corporate_shareholders\": [\n {\n \"entity_name\": \"Toronggo Ventures Limited\",\n \"entity_name_en\": \"Toronggo Ventures Limited\",\n \"registration_country_code\": \"BGD\",\n \"ownership_percentage\": 0,\n \"registration_number\": \"C-987654/2015\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"incorporation_date\": \"2015-03-01\"\n }\n ]\n },\n \"compliance\": {\n \"operates_in_prohibited_countries\": false,\n \"additional_description_for_compliance_screening\": \"We do not operate in any OFAC-sanctioned jurisdictions.\",\n \"risk_profile\": {\n \"high_risk_activities\": [\n \"adult_entertainment\"\n ],\n \"high_risk_activities_explanation\": \"We facilitate cross-border B2B payments, subject to enhanced due diligence.\",\n \"conducts_money_services\": true,\n \"conducts_money_services_via_fin\": false,\n \"conducts_money_services_description\": \"Licensed payment service provider offering international transfer services.\"\n },\n \"regulated_activity\": {\n \"description\": \"Licensed payment service provider under Bangladesh Bank regulation\",\n \"primary_authority_country_code\": \"BGD\",\n \"primary_authority_name\": \"Bangladesh Bank\",\n \"license_number\": \"PSP-2019-00123\"\n },\n \"aml\": {\n \"supervisory_authority_name\": \"Bangladesh Financial Intelligence Unit\",\n \"license_number\": \"PSP-2019-00123\",\n \"has_appointed_mlro\": true,\n \"customer_risk_split\": {\n \"low_risk\": 70,\n \"medium_risk\": 25,\n \"high_risk\": 5\n },\n \"prohibits_anonymous_or_fictitious_accounts\": true,\n \"prohibits_accounts_for_unlicensed_or_shell_customers\": true,\n \"customer_identity_verification\": {\n \"method\": \"automated\",\n \"system\": \"Jumio\"\n },\n \"pep_and_sanctions_screening\": {\n \"method\": \"automated\",\n \"system\": \"Dow Jones Risk & Compliance\"\n },\n \"sanction_lists\": [\n \"OFAC\",\n \"EU\",\n \"UN\",\n \"HMT\"\n ],\n \"customer_risk_classification_from_due_diligence\": true,\n \"enhanced_due_diligence_process\": true,\n \"transaction_monitoring\": {\n \"method\": \"automated\",\n \"system\": \"Actimize\"\n },\n \"procedures_for_transaction_monitoring\": true,\n \"subject_to_ml_or_tf_investigation\": \"none\",\n \"subject_to_regulatory_enforcement_past_2_years\": \"none\",\n \"confirms_no_service_to_sanctioned_countries\": true,\n \"client_funds_accessibility\": \"closed_loop\",\n \"aml_ctf_audit_completed\": true,\n \"planned_audit_date\": \"2026-12-01\"\n }\n },\n \"meta_data\": {\n \"reference\": \"REF-20250123-TORONGGO\"\n }\n}")
.asString();import requests
url = "https://sandbox.api.fin.com/v2/customers/business"
payload = {
"verification_type": "STANDARD",
"industry_codes": ["541512", "522390"],
"basic_info": {
"legal_name": "Fin.com",
"legal_name_en": "Fin.com",
"trade_name": "Toronggo",
"trade_name_en": "Toronggo",
"description": "Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"email": "m@tech.com",
"phone": "+8801529876543",
"incorporation_date": "2018-06-15",
"country_of_incorporation": "BGD",
"registration_number": "C-123456/2018",
"is_dao": False,
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "123456789012"
}
],
"websites": ["https://fin.com"]
},
"financial_profile": {
"purpose_id": 3,
"purpose_remarks": "Cross-border B2B payments for international suppliers",
"source_of_fund_ids": [1, 4],
"source_of_funds_description": "Revenue from software licensing and technology services",
"source_of_wealth_ids": [2],
"estimated_annual_revenue_usd": 5000000,
"expected_monthly_deposits_usd": 400000,
"expected_monthly_withdrawals_usd": 350000,
"expected_transaction_value_usd": 50000,
"expected_monthly_transaction_count": 20,
"third_party_fund_usage": False
},
"addresses": {
"is_incorporated_address_same": False,
"incorporated_address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"physical_address": {
"street_line_1": "Level 5, 45 Gulshan Avenue",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1212",
"country": "BGD"
}
},
"associated_parties": [
{
"ref": "owner-001",
"basic_info": {
"first_name": "Fatima",
"last_name": "Rahman",
"dob": "1990-05-15",
"email": "fatima.rahman22@acmecorp.com.bd",
"phone": "+8801711223344",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "1234567890123"
}
]
},
"address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"roles": ["shareholder"],
"ownership_info": {
"designation": "CEO & Founder",
"percentage_of_ownership": 60,
"relationship_establishment_date": "2018-06-15",
"has_control": True,
"is_signer": True,
"is_director": True
}
},
{
"ref": "owner-002",
"basic_info": {
"first_name": "Karim",
"last_name": "Islam",
"dob": "1992-08-22",
"email": "karim.islam22@acmecorp.com.bd",
"phone": "+8801822334455",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "9876543210123"
}
]
},
"address": {
"street_line_1": "Flat 3B, 78 Mirpur Road",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1216",
"country": "BGD"
},
"roles": ["ubo"],
"ownership_info": {
"designation": "CTO & Co-Founder",
"percentage_of_ownership": 40,
"relationship_establishment_date": "2018-06-15",
"has_control": False,
"is_signer": False,
"is_director": False
}
}
],
"holding_structure": {
"has_material_intermediary_ownership": True,
"corporate_shareholders": [
{
"entity_name": "Toronggo Ventures Limited",
"entity_name_en": "Toronggo Ventures Limited",
"registration_country_code": "BGD",
"ownership_percentage": 0,
"registration_number": "C-987654/2015",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"incorporation_date": "2015-03-01"
}
]
},
"compliance": {
"operates_in_prohibited_countries": False,
"additional_description_for_compliance_screening": "We do not operate in any OFAC-sanctioned jurisdictions.",
"risk_profile": {
"high_risk_activities": ["adult_entertainment"],
"high_risk_activities_explanation": "We facilitate cross-border B2B payments, subject to enhanced due diligence.",
"conducts_money_services": True,
"conducts_money_services_via_fin": False,
"conducts_money_services_description": "Licensed payment service provider offering international transfer services."
},
"regulated_activity": {
"description": "Licensed payment service provider under Bangladesh Bank regulation",
"primary_authority_country_code": "BGD",
"primary_authority_name": "Bangladesh Bank",
"license_number": "PSP-2019-00123"
},
"aml": {
"supervisory_authority_name": "Bangladesh Financial Intelligence Unit",
"license_number": "PSP-2019-00123",
"has_appointed_mlro": True,
"customer_risk_split": {
"low_risk": 70,
"medium_risk": 25,
"high_risk": 5
},
"prohibits_anonymous_or_fictitious_accounts": True,
"prohibits_accounts_for_unlicensed_or_shell_customers": True,
"customer_identity_verification": {
"method": "automated",
"system": "Jumio"
},
"pep_and_sanctions_screening": {
"method": "automated",
"system": "Dow Jones Risk & Compliance"
},
"sanction_lists": ["OFAC", "EU", "UN", "HMT"],
"customer_risk_classification_from_due_diligence": True,
"enhanced_due_diligence_process": True,
"transaction_monitoring": {
"method": "automated",
"system": "Actimize"
},
"procedures_for_transaction_monitoring": True,
"subject_to_ml_or_tf_investigation": "none",
"subject_to_regulatory_enforcement_past_2_years": "none",
"confirms_no_service_to_sanctioned_countries": True,
"client_funds_accessibility": "closed_loop",
"aml_ctf_audit_completed": True,
"planned_audit_date": "2026-12-01"
}
},
"meta_data": { "reference": "REF-20250123-TORONGGO" }
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://sandbox.api.fin.com/v2/customers/business"
payload := strings.NewReader("{\n \"verification_type\": \"STANDARD\",\n \"industry_codes\": [\n \"541512\",\n \"522390\"\n ],\n \"basic_info\": {\n \"legal_name\": \"Fin.com\",\n \"legal_name_en\": \"Fin.com\",\n \"trade_name\": \"Toronggo\",\n \"trade_name_en\": \"Toronggo\",\n \"description\": \"Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"email\": \"m@tech.com\",\n \"phone\": \"+8801529876543\",\n \"incorporation_date\": \"2018-06-15\",\n \"country_of_incorporation\": \"BGD\",\n \"registration_number\": \"C-123456/2018\",\n \"is_dao\": false,\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"123456789012\"\n }\n ],\n \"websites\": [\n \"https://fin.com\"\n ]\n },\n \"financial_profile\": {\n \"purpose_id\": 3,\n \"purpose_remarks\": \"Cross-border B2B payments for international suppliers\",\n \"source_of_fund_ids\": [\n 1,\n 4\n ],\n \"source_of_funds_description\": \"Revenue from software licensing and technology services\",\n \"source_of_wealth_ids\": [\n 2\n ],\n \"estimated_annual_revenue_usd\": 5000000,\n \"expected_monthly_deposits_usd\": 400000,\n \"expected_monthly_withdrawals_usd\": 350000,\n \"expected_transaction_value_usd\": 50000,\n \"expected_monthly_transaction_count\": 20,\n \"third_party_fund_usage\": false\n },\n \"addresses\": {\n \"is_incorporated_address_same\": false,\n \"incorporated_address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"physical_address\": {\n \"street_line_1\": \"Level 5, 45 Gulshan Avenue\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1212\",\n \"country\": \"BGD\"\n }\n },\n \"associated_parties\": [\n {\n \"ref\": \"owner-001\",\n \"basic_info\": {\n \"first_name\": \"Fatima\",\n \"last_name\": \"Rahman\",\n \"dob\": \"1990-05-15\",\n \"email\": \"fatima.rahman22@acmecorp.com.bd\",\n \"phone\": \"+8801711223344\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"1234567890123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"shareholder\"\n ],\n \"ownership_info\": {\n \"designation\": \"CEO & Founder\",\n \"percentage_of_ownership\": 60,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": true,\n \"is_signer\": true,\n \"is_director\": true\n }\n },\n {\n \"ref\": \"owner-002\",\n \"basic_info\": {\n \"first_name\": \"Karim\",\n \"last_name\": \"Islam\",\n \"dob\": \"1992-08-22\",\n \"email\": \"karim.islam22@acmecorp.com.bd\",\n \"phone\": \"+8801822334455\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"9876543210123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"Flat 3B, 78 Mirpur Road\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1216\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"ubo\"\n ],\n \"ownership_info\": {\n \"designation\": \"CTO & Co-Founder\",\n \"percentage_of_ownership\": 40,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": false,\n \"is_signer\": false,\n \"is_director\": false\n }\n }\n ],\n \"holding_structure\": {\n \"has_material_intermediary_ownership\": true,\n \"corporate_shareholders\": [\n {\n \"entity_name\": \"Toronggo Ventures Limited\",\n \"entity_name_en\": \"Toronggo Ventures Limited\",\n \"registration_country_code\": \"BGD\",\n \"ownership_percentage\": 0,\n \"registration_number\": \"C-987654/2015\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"incorporation_date\": \"2015-03-01\"\n }\n ]\n },\n \"compliance\": {\n \"operates_in_prohibited_countries\": false,\n \"additional_description_for_compliance_screening\": \"We do not operate in any OFAC-sanctioned jurisdictions.\",\n \"risk_profile\": {\n \"high_risk_activities\": [\n \"adult_entertainment\"\n ],\n \"high_risk_activities_explanation\": \"We facilitate cross-border B2B payments, subject to enhanced due diligence.\",\n \"conducts_money_services\": true,\n \"conducts_money_services_via_fin\": false,\n \"conducts_money_services_description\": \"Licensed payment service provider offering international transfer services.\"\n },\n \"regulated_activity\": {\n \"description\": \"Licensed payment service provider under Bangladesh Bank regulation\",\n \"primary_authority_country_code\": \"BGD\",\n \"primary_authority_name\": \"Bangladesh Bank\",\n \"license_number\": \"PSP-2019-00123\"\n },\n \"aml\": {\n \"supervisory_authority_name\": \"Bangladesh Financial Intelligence Unit\",\n \"license_number\": \"PSP-2019-00123\",\n \"has_appointed_mlro\": true,\n \"customer_risk_split\": {\n \"low_risk\": 70,\n \"medium_risk\": 25,\n \"high_risk\": 5\n },\n \"prohibits_anonymous_or_fictitious_accounts\": true,\n \"prohibits_accounts_for_unlicensed_or_shell_customers\": true,\n \"customer_identity_verification\": {\n \"method\": \"automated\",\n \"system\": \"Jumio\"\n },\n \"pep_and_sanctions_screening\": {\n \"method\": \"automated\",\n \"system\": \"Dow Jones Risk & Compliance\"\n },\n \"sanction_lists\": [\n \"OFAC\",\n \"EU\",\n \"UN\",\n \"HMT\"\n ],\n \"customer_risk_classification_from_due_diligence\": true,\n \"enhanced_due_diligence_process\": true,\n \"transaction_monitoring\": {\n \"method\": \"automated\",\n \"system\": \"Actimize\"\n },\n \"procedures_for_transaction_monitoring\": true,\n \"subject_to_ml_or_tf_investigation\": \"none\",\n \"subject_to_regulatory_enforcement_past_2_years\": \"none\",\n \"confirms_no_service_to_sanctioned_countries\": true,\n \"client_funds_accessibility\": \"closed_loop\",\n \"aml_ctf_audit_completed\": true,\n \"planned_audit_date\": \"2026-12-01\"\n }\n },\n \"meta_data\": {\n \"reference\": \"REF-20250123-TORONGGO\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}{
"customer_id": "ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06",
"tos_policies_url": "https://orchestration.fin.com/orchestration-customer-tos?customer_id=ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06&tos_policies_value=6955e70b-f9f3-4076-b1ce-5c897085dd24"
}{
"status": 400,
"message": "Validation failed",
"data": {
"basic_info.email": "Must be a valid email address",
"associated_parties[0].basic_info.dob": "Party must be at least 18 years old",
"addresses.physical_address": "Required when is_incorporated_address_same is false"
}
}{
"message": "Authentication failed"
}{
"status": 423,
"message": "RELIANCE is not available for your client"
}{
"status": 500,
"message": "Internal server error"
}Create Business Customer
Create Business Customer V2
Create a new business customer with full KYB profile, associated parties (UBOs/directors), compliance data, and optionally holding structure and public listing details.
POST
/
v2
/
customers
/
business
Create Business Customer V2
curl --request POST \
--url https://sandbox.api.fin.com/v2/customers/business \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"verification_type": "STANDARD",
"industry_codes": [
"541512",
"522390"
],
"basic_info": {
"legal_name": "Fin.com",
"legal_name_en": "Fin.com",
"trade_name": "Toronggo",
"trade_name_en": "Toronggo",
"description": "Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"email": "m@tech.com",
"phone": "+8801529876543",
"incorporation_date": "2018-06-15",
"country_of_incorporation": "BGD",
"registration_number": "C-123456/2018",
"is_dao": false,
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "123456789012"
}
],
"websites": [
"https://fin.com"
]
},
"financial_profile": {
"purpose_id": 3,
"purpose_remarks": "Cross-border B2B payments for international suppliers",
"source_of_fund_ids": [
1,
4
],
"source_of_funds_description": "Revenue from software licensing and technology services",
"source_of_wealth_ids": [
2
],
"estimated_annual_revenue_usd": 5000000,
"expected_monthly_deposits_usd": 400000,
"expected_monthly_withdrawals_usd": 350000,
"expected_transaction_value_usd": 50000,
"expected_monthly_transaction_count": 20,
"third_party_fund_usage": false
},
"addresses": {
"is_incorporated_address_same": false,
"incorporated_address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"physical_address": {
"street_line_1": "Level 5, 45 Gulshan Avenue",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1212",
"country": "BGD"
}
},
"associated_parties": [
{
"ref": "owner-001",
"basic_info": {
"first_name": "Fatima",
"last_name": "Rahman",
"dob": "1990-05-15",
"email": "fatima.rahman22@acmecorp.com.bd",
"phone": "+8801711223344",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "1234567890123"
}
]
},
"address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"roles": [
"shareholder"
],
"ownership_info": {
"designation": "CEO & Founder",
"percentage_of_ownership": 60,
"relationship_establishment_date": "2018-06-15",
"has_control": true,
"is_signer": true,
"is_director": true
}
},
{
"ref": "owner-002",
"basic_info": {
"first_name": "Karim",
"last_name": "Islam",
"dob": "1992-08-22",
"email": "karim.islam22@acmecorp.com.bd",
"phone": "+8801822334455",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "9876543210123"
}
]
},
"address": {
"street_line_1": "Flat 3B, 78 Mirpur Road",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1216",
"country": "BGD"
},
"roles": [
"ubo"
],
"ownership_info": {
"designation": "CTO & Co-Founder",
"percentage_of_ownership": 40,
"relationship_establishment_date": "2018-06-15",
"has_control": false,
"is_signer": false,
"is_director": false
}
}
],
"holding_structure": {
"has_material_intermediary_ownership": true,
"corporate_shareholders": [
{
"entity_name": "Toronggo Ventures Limited",
"entity_name_en": "Toronggo Ventures Limited",
"registration_country_code": "BGD",
"ownership_percentage": 0,
"registration_number": "C-987654/2015",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"incorporation_date": "2015-03-01"
}
]
},
"compliance": {
"operates_in_prohibited_countries": false,
"additional_description_for_compliance_screening": "We do not operate in any OFAC-sanctioned jurisdictions.",
"risk_profile": {
"high_risk_activities": [
"adult_entertainment"
],
"high_risk_activities_explanation": "We facilitate cross-border B2B payments, subject to enhanced due diligence.",
"conducts_money_services": true,
"conducts_money_services_via_fin": false,
"conducts_money_services_description": "Licensed payment service provider offering international transfer services."
},
"regulated_activity": {
"description": "Licensed payment service provider under Bangladesh Bank regulation",
"primary_authority_country_code": "BGD",
"primary_authority_name": "Bangladesh Bank",
"license_number": "PSP-2019-00123"
},
"aml": {
"supervisory_authority_name": "Bangladesh Financial Intelligence Unit",
"license_number": "PSP-2019-00123",
"has_appointed_mlro": true,
"customer_risk_split": {
"low_risk": 70,
"medium_risk": 25,
"high_risk": 5
},
"prohibits_anonymous_or_fictitious_accounts": true,
"prohibits_accounts_for_unlicensed_or_shell_customers": true,
"customer_identity_verification": {
"method": "automated",
"system": "Jumio"
},
"pep_and_sanctions_screening": {
"method": "automated",
"system": "Dow Jones Risk & Compliance"
},
"sanction_lists": [
"OFAC",
"EU",
"UN",
"HMT"
],
"customer_risk_classification_from_due_diligence": true,
"enhanced_due_diligence_process": true,
"transaction_monitoring": {
"method": "automated",
"system": "Actimize"
},
"procedures_for_transaction_monitoring": true,
"subject_to_ml_or_tf_investigation": "none",
"subject_to_regulatory_enforcement_past_2_years": "none",
"confirms_no_service_to_sanctioned_countries": true,
"client_funds_accessibility": "closed_loop",
"aml_ctf_audit_completed": true,
"planned_audit_date": "2026-12-01"
}
},
"meta_data": {
"reference": "REF-20250123-TORONGGO"
}
}
'const url = 'https://sandbox.api.fin.com/v2/customers/business';
const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
verification_type: 'STANDARD',
industry_codes: ['541512', '522390'],
basic_info: {
legal_name: 'Fin.com',
legal_name_en: 'Fin.com',
trade_name: 'Toronggo',
trade_name_en: 'Toronggo',
description: 'Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients',
entity_type: 'LIMITED_LIABILITY_COMPANY',
email: 'm@tech.com',
phone: '+8801529876543',
incorporation_date: '2018-06-15',
country_of_incorporation: 'BGD',
registration_number: 'C-123456/2018',
is_dao: false,
tax_info: [{country_code: 'BGD', document_type: 'TIN', document_id: '123456789012'}],
websites: ['https://fin.com']
},
financial_profile: {
purpose_id: 3,
purpose_remarks: 'Cross-border B2B payments for international suppliers',
source_of_fund_ids: [1, 4],
source_of_funds_description: 'Revenue from software licensing and technology services',
source_of_wealth_ids: [2],
estimated_annual_revenue_usd: 5000000,
expected_monthly_deposits_usd: 400000,
expected_monthly_withdrawals_usd: 350000,
expected_transaction_value_usd: 50000,
expected_monthly_transaction_count: 20,
third_party_fund_usage: false
},
addresses: {
is_incorporated_address_same: false,
incorporated_address: {
street_line_1: 'House 12, Road 4, Dhanmondi',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1205',
country: 'BGD'
},
physical_address: {
street_line_1: 'Level 5, 45 Gulshan Avenue',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1212',
country: 'BGD'
}
},
associated_parties: [
{
ref: 'owner-001',
basic_info: {
first_name: 'Fatima',
last_name: 'Rahman',
dob: '1990-05-15',
email: 'fatima.rahman22@acmecorp.com.bd',
phone: '+8801711223344',
country_of_residence: 'BGD',
primary_nationality: 'BGD',
tax_info: [{country_code: 'BGD', document_type: 'TIN', document_id: '1234567890123'}]
},
address: {
street_line_1: 'House 12, Road 4, Dhanmondi',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1205',
country: 'BGD'
},
roles: ['shareholder'],
ownership_info: {
designation: 'CEO & Founder',
percentage_of_ownership: 60,
relationship_establishment_date: '2018-06-15',
has_control: true,
is_signer: true,
is_director: true
}
},
{
ref: 'owner-002',
basic_info: {
first_name: 'Karim',
last_name: 'Islam',
dob: '1992-08-22',
email: 'karim.islam22@acmecorp.com.bd',
phone: '+8801822334455',
country_of_residence: 'BGD',
primary_nationality: 'BGD',
tax_info: [{country_code: 'BGD', document_type: 'TIN', document_id: '9876543210123'}]
},
address: {
street_line_1: 'Flat 3B, 78 Mirpur Road',
city: 'Dhaka',
state: 'BD-13',
subdivision_code: 'BD-13',
postal_code: '1216',
country: 'BGD'
},
roles: ['ubo'],
ownership_info: {
designation: 'CTO & Co-Founder',
percentage_of_ownership: 40,
relationship_establishment_date: '2018-06-15',
has_control: false,
is_signer: false,
is_director: false
}
}
],
holding_structure: {
has_material_intermediary_ownership: true,
corporate_shareholders: [
{
entity_name: 'Toronggo Ventures Limited',
entity_name_en: 'Toronggo Ventures Limited',
registration_country_code: 'BGD',
ownership_percentage: 0,
registration_number: 'C-987654/2015',
entity_type: 'LIMITED_LIABILITY_COMPANY',
incorporation_date: '2015-03-01'
}
]
},
compliance: {
operates_in_prohibited_countries: false,
additional_description_for_compliance_screening: 'We do not operate in any OFAC-sanctioned jurisdictions.',
risk_profile: {
high_risk_activities: ['adult_entertainment'],
high_risk_activities_explanation: 'We facilitate cross-border B2B payments, subject to enhanced due diligence.',
conducts_money_services: true,
conducts_money_services_via_fin: false,
conducts_money_services_description: 'Licensed payment service provider offering international transfer services.'
},
regulated_activity: {
description: 'Licensed payment service provider under Bangladesh Bank regulation',
primary_authority_country_code: 'BGD',
primary_authority_name: 'Bangladesh Bank',
license_number: 'PSP-2019-00123'
},
aml: {
supervisory_authority_name: 'Bangladesh Financial Intelligence Unit',
license_number: 'PSP-2019-00123',
has_appointed_mlro: true,
customer_risk_split: {low_risk: 70, medium_risk: 25, high_risk: 5},
prohibits_anonymous_or_fictitious_accounts: true,
prohibits_accounts_for_unlicensed_or_shell_customers: true,
customer_identity_verification: {method: 'automated', system: 'Jumio'},
pep_and_sanctions_screening: {method: 'automated', system: 'Dow Jones Risk & Compliance'},
sanction_lists: ['OFAC', 'EU', 'UN', 'HMT'],
customer_risk_classification_from_due_diligence: true,
enhanced_due_diligence_process: true,
transaction_monitoring: {method: 'automated', system: 'Actimize'},
procedures_for_transaction_monitoring: true,
subject_to_ml_or_tf_investigation: 'none',
subject_to_regulatory_enforcement_past_2_years: 'none',
confirms_no_service_to_sanctioned_countries: true,
client_funds_accessibility: 'closed_loop',
aml_ctf_audit_completed: true,
planned_audit_date: '2026-12-01'
}
},
meta_data: {reference: 'REF-20250123-TORONGGO'}
})
};
fetch(url, options)
.then(res => res.json())
.then(json => console.log(json))
.catch(err => console.error(err));HttpResponse<String> response = Unirest.post("https://sandbox.api.fin.com/v2/customers/business")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"verification_type\": \"STANDARD\",\n \"industry_codes\": [\n \"541512\",\n \"522390\"\n ],\n \"basic_info\": {\n \"legal_name\": \"Fin.com\",\n \"legal_name_en\": \"Fin.com\",\n \"trade_name\": \"Toronggo\",\n \"trade_name_en\": \"Toronggo\",\n \"description\": \"Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"email\": \"m@tech.com\",\n \"phone\": \"+8801529876543\",\n \"incorporation_date\": \"2018-06-15\",\n \"country_of_incorporation\": \"BGD\",\n \"registration_number\": \"C-123456/2018\",\n \"is_dao\": false,\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"123456789012\"\n }\n ],\n \"websites\": [\n \"https://fin.com\"\n ]\n },\n \"financial_profile\": {\n \"purpose_id\": 3,\n \"purpose_remarks\": \"Cross-border B2B payments for international suppliers\",\n \"source_of_fund_ids\": [\n 1,\n 4\n ],\n \"source_of_funds_description\": \"Revenue from software licensing and technology services\",\n \"source_of_wealth_ids\": [\n 2\n ],\n \"estimated_annual_revenue_usd\": 5000000,\n \"expected_monthly_deposits_usd\": 400000,\n \"expected_monthly_withdrawals_usd\": 350000,\n \"expected_transaction_value_usd\": 50000,\n \"expected_monthly_transaction_count\": 20,\n \"third_party_fund_usage\": false\n },\n \"addresses\": {\n \"is_incorporated_address_same\": false,\n \"incorporated_address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"physical_address\": {\n \"street_line_1\": \"Level 5, 45 Gulshan Avenue\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1212\",\n \"country\": \"BGD\"\n }\n },\n \"associated_parties\": [\n {\n \"ref\": \"owner-001\",\n \"basic_info\": {\n \"first_name\": \"Fatima\",\n \"last_name\": \"Rahman\",\n \"dob\": \"1990-05-15\",\n \"email\": \"fatima.rahman22@acmecorp.com.bd\",\n \"phone\": \"+8801711223344\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"1234567890123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"shareholder\"\n ],\n \"ownership_info\": {\n \"designation\": \"CEO & Founder\",\n \"percentage_of_ownership\": 60,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": true,\n \"is_signer\": true,\n \"is_director\": true\n }\n },\n {\n \"ref\": \"owner-002\",\n \"basic_info\": {\n \"first_name\": \"Karim\",\n \"last_name\": \"Islam\",\n \"dob\": \"1992-08-22\",\n \"email\": \"karim.islam22@acmecorp.com.bd\",\n \"phone\": \"+8801822334455\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"9876543210123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"Flat 3B, 78 Mirpur Road\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1216\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"ubo\"\n ],\n \"ownership_info\": {\n \"designation\": \"CTO & Co-Founder\",\n \"percentage_of_ownership\": 40,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": false,\n \"is_signer\": false,\n \"is_director\": false\n }\n }\n ],\n \"holding_structure\": {\n \"has_material_intermediary_ownership\": true,\n \"corporate_shareholders\": [\n {\n \"entity_name\": \"Toronggo Ventures Limited\",\n \"entity_name_en\": \"Toronggo Ventures Limited\",\n \"registration_country_code\": \"BGD\",\n \"ownership_percentage\": 0,\n \"registration_number\": \"C-987654/2015\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"incorporation_date\": \"2015-03-01\"\n }\n ]\n },\n \"compliance\": {\n \"operates_in_prohibited_countries\": false,\n \"additional_description_for_compliance_screening\": \"We do not operate in any OFAC-sanctioned jurisdictions.\",\n \"risk_profile\": {\n \"high_risk_activities\": [\n \"adult_entertainment\"\n ],\n \"high_risk_activities_explanation\": \"We facilitate cross-border B2B payments, subject to enhanced due diligence.\",\n \"conducts_money_services\": true,\n \"conducts_money_services_via_fin\": false,\n \"conducts_money_services_description\": \"Licensed payment service provider offering international transfer services.\"\n },\n \"regulated_activity\": {\n \"description\": \"Licensed payment service provider under Bangladesh Bank regulation\",\n \"primary_authority_country_code\": \"BGD\",\n \"primary_authority_name\": \"Bangladesh Bank\",\n \"license_number\": \"PSP-2019-00123\"\n },\n \"aml\": {\n \"supervisory_authority_name\": \"Bangladesh Financial Intelligence Unit\",\n \"license_number\": \"PSP-2019-00123\",\n \"has_appointed_mlro\": true,\n \"customer_risk_split\": {\n \"low_risk\": 70,\n \"medium_risk\": 25,\n \"high_risk\": 5\n },\n \"prohibits_anonymous_or_fictitious_accounts\": true,\n \"prohibits_accounts_for_unlicensed_or_shell_customers\": true,\n \"customer_identity_verification\": {\n \"method\": \"automated\",\n \"system\": \"Jumio\"\n },\n \"pep_and_sanctions_screening\": {\n \"method\": \"automated\",\n \"system\": \"Dow Jones Risk & Compliance\"\n },\n \"sanction_lists\": [\n \"OFAC\",\n \"EU\",\n \"UN\",\n \"HMT\"\n ],\n \"customer_risk_classification_from_due_diligence\": true,\n \"enhanced_due_diligence_process\": true,\n \"transaction_monitoring\": {\n \"method\": \"automated\",\n \"system\": \"Actimize\"\n },\n \"procedures_for_transaction_monitoring\": true,\n \"subject_to_ml_or_tf_investigation\": \"none\",\n \"subject_to_regulatory_enforcement_past_2_years\": \"none\",\n \"confirms_no_service_to_sanctioned_countries\": true,\n \"client_funds_accessibility\": \"closed_loop\",\n \"aml_ctf_audit_completed\": true,\n \"planned_audit_date\": \"2026-12-01\"\n }\n },\n \"meta_data\": {\n \"reference\": \"REF-20250123-TORONGGO\"\n }\n}")
.asString();import requests
url = "https://sandbox.api.fin.com/v2/customers/business"
payload = {
"verification_type": "STANDARD",
"industry_codes": ["541512", "522390"],
"basic_info": {
"legal_name": "Fin.com",
"legal_name_en": "Fin.com",
"trade_name": "Toronggo",
"trade_name_en": "Toronggo",
"description": "Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"email": "m@tech.com",
"phone": "+8801529876543",
"incorporation_date": "2018-06-15",
"country_of_incorporation": "BGD",
"registration_number": "C-123456/2018",
"is_dao": False,
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "123456789012"
}
],
"websites": ["https://fin.com"]
},
"financial_profile": {
"purpose_id": 3,
"purpose_remarks": "Cross-border B2B payments for international suppliers",
"source_of_fund_ids": [1, 4],
"source_of_funds_description": "Revenue from software licensing and technology services",
"source_of_wealth_ids": [2],
"estimated_annual_revenue_usd": 5000000,
"expected_monthly_deposits_usd": 400000,
"expected_monthly_withdrawals_usd": 350000,
"expected_transaction_value_usd": 50000,
"expected_monthly_transaction_count": 20,
"third_party_fund_usage": False
},
"addresses": {
"is_incorporated_address_same": False,
"incorporated_address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"physical_address": {
"street_line_1": "Level 5, 45 Gulshan Avenue",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1212",
"country": "BGD"
}
},
"associated_parties": [
{
"ref": "owner-001",
"basic_info": {
"first_name": "Fatima",
"last_name": "Rahman",
"dob": "1990-05-15",
"email": "fatima.rahman22@acmecorp.com.bd",
"phone": "+8801711223344",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "1234567890123"
}
]
},
"address": {
"street_line_1": "House 12, Road 4, Dhanmondi",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1205",
"country": "BGD"
},
"roles": ["shareholder"],
"ownership_info": {
"designation": "CEO & Founder",
"percentage_of_ownership": 60,
"relationship_establishment_date": "2018-06-15",
"has_control": True,
"is_signer": True,
"is_director": True
}
},
{
"ref": "owner-002",
"basic_info": {
"first_name": "Karim",
"last_name": "Islam",
"dob": "1992-08-22",
"email": "karim.islam22@acmecorp.com.bd",
"phone": "+8801822334455",
"country_of_residence": "BGD",
"primary_nationality": "BGD",
"tax_info": [
{
"country_code": "BGD",
"document_type": "TIN",
"document_id": "9876543210123"
}
]
},
"address": {
"street_line_1": "Flat 3B, 78 Mirpur Road",
"city": "Dhaka",
"state": "BD-13",
"subdivision_code": "BD-13",
"postal_code": "1216",
"country": "BGD"
},
"roles": ["ubo"],
"ownership_info": {
"designation": "CTO & Co-Founder",
"percentage_of_ownership": 40,
"relationship_establishment_date": "2018-06-15",
"has_control": False,
"is_signer": False,
"is_director": False
}
}
],
"holding_structure": {
"has_material_intermediary_ownership": True,
"corporate_shareholders": [
{
"entity_name": "Toronggo Ventures Limited",
"entity_name_en": "Toronggo Ventures Limited",
"registration_country_code": "BGD",
"ownership_percentage": 0,
"registration_number": "C-987654/2015",
"entity_type": "LIMITED_LIABILITY_COMPANY",
"incorporation_date": "2015-03-01"
}
]
},
"compliance": {
"operates_in_prohibited_countries": False,
"additional_description_for_compliance_screening": "We do not operate in any OFAC-sanctioned jurisdictions.",
"risk_profile": {
"high_risk_activities": ["adult_entertainment"],
"high_risk_activities_explanation": "We facilitate cross-border B2B payments, subject to enhanced due diligence.",
"conducts_money_services": True,
"conducts_money_services_via_fin": False,
"conducts_money_services_description": "Licensed payment service provider offering international transfer services."
},
"regulated_activity": {
"description": "Licensed payment service provider under Bangladesh Bank regulation",
"primary_authority_country_code": "BGD",
"primary_authority_name": "Bangladesh Bank",
"license_number": "PSP-2019-00123"
},
"aml": {
"supervisory_authority_name": "Bangladesh Financial Intelligence Unit",
"license_number": "PSP-2019-00123",
"has_appointed_mlro": True,
"customer_risk_split": {
"low_risk": 70,
"medium_risk": 25,
"high_risk": 5
},
"prohibits_anonymous_or_fictitious_accounts": True,
"prohibits_accounts_for_unlicensed_or_shell_customers": True,
"customer_identity_verification": {
"method": "automated",
"system": "Jumio"
},
"pep_and_sanctions_screening": {
"method": "automated",
"system": "Dow Jones Risk & Compliance"
},
"sanction_lists": ["OFAC", "EU", "UN", "HMT"],
"customer_risk_classification_from_due_diligence": True,
"enhanced_due_diligence_process": True,
"transaction_monitoring": {
"method": "automated",
"system": "Actimize"
},
"procedures_for_transaction_monitoring": True,
"subject_to_ml_or_tf_investigation": "none",
"subject_to_regulatory_enforcement_past_2_years": "none",
"confirms_no_service_to_sanctioned_countries": True,
"client_funds_accessibility": "closed_loop",
"aml_ctf_audit_completed": True,
"planned_audit_date": "2026-12-01"
}
},
"meta_data": { "reference": "REF-20250123-TORONGGO" }
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://sandbox.api.fin.com/v2/customers/business"
payload := strings.NewReader("{\n \"verification_type\": \"STANDARD\",\n \"industry_codes\": [\n \"541512\",\n \"522390\"\n ],\n \"basic_info\": {\n \"legal_name\": \"Fin.com\",\n \"legal_name_en\": \"Fin.com\",\n \"trade_name\": \"Toronggo\",\n \"trade_name_en\": \"Toronggo\",\n \"description\": \"Bangladesh-based technology company providing cross-border B2B payment and financial technology services to enterprise clients\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"email\": \"m@tech.com\",\n \"phone\": \"+8801529876543\",\n \"incorporation_date\": \"2018-06-15\",\n \"country_of_incorporation\": \"BGD\",\n \"registration_number\": \"C-123456/2018\",\n \"is_dao\": false,\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"123456789012\"\n }\n ],\n \"websites\": [\n \"https://fin.com\"\n ]\n },\n \"financial_profile\": {\n \"purpose_id\": 3,\n \"purpose_remarks\": \"Cross-border B2B payments for international suppliers\",\n \"source_of_fund_ids\": [\n 1,\n 4\n ],\n \"source_of_funds_description\": \"Revenue from software licensing and technology services\",\n \"source_of_wealth_ids\": [\n 2\n ],\n \"estimated_annual_revenue_usd\": 5000000,\n \"expected_monthly_deposits_usd\": 400000,\n \"expected_monthly_withdrawals_usd\": 350000,\n \"expected_transaction_value_usd\": 50000,\n \"expected_monthly_transaction_count\": 20,\n \"third_party_fund_usage\": false\n },\n \"addresses\": {\n \"is_incorporated_address_same\": false,\n \"incorporated_address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"physical_address\": {\n \"street_line_1\": \"Level 5, 45 Gulshan Avenue\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1212\",\n \"country\": \"BGD\"\n }\n },\n \"associated_parties\": [\n {\n \"ref\": \"owner-001\",\n \"basic_info\": {\n \"first_name\": \"Fatima\",\n \"last_name\": \"Rahman\",\n \"dob\": \"1990-05-15\",\n \"email\": \"fatima.rahman22@acmecorp.com.bd\",\n \"phone\": \"+8801711223344\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"1234567890123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"House 12, Road 4, Dhanmondi\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1205\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"shareholder\"\n ],\n \"ownership_info\": {\n \"designation\": \"CEO & Founder\",\n \"percentage_of_ownership\": 60,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": true,\n \"is_signer\": true,\n \"is_director\": true\n }\n },\n {\n \"ref\": \"owner-002\",\n \"basic_info\": {\n \"first_name\": \"Karim\",\n \"last_name\": \"Islam\",\n \"dob\": \"1992-08-22\",\n \"email\": \"karim.islam22@acmecorp.com.bd\",\n \"phone\": \"+8801822334455\",\n \"country_of_residence\": \"BGD\",\n \"primary_nationality\": \"BGD\",\n \"tax_info\": [\n {\n \"country_code\": \"BGD\",\n \"document_type\": \"TIN\",\n \"document_id\": \"9876543210123\"\n }\n ]\n },\n \"address\": {\n \"street_line_1\": \"Flat 3B, 78 Mirpur Road\",\n \"city\": \"Dhaka\",\n \"state\": \"BD-13\",\n \"subdivision_code\": \"BD-13\",\n \"postal_code\": \"1216\",\n \"country\": \"BGD\"\n },\n \"roles\": [\n \"ubo\"\n ],\n \"ownership_info\": {\n \"designation\": \"CTO & Co-Founder\",\n \"percentage_of_ownership\": 40,\n \"relationship_establishment_date\": \"2018-06-15\",\n \"has_control\": false,\n \"is_signer\": false,\n \"is_director\": false\n }\n }\n ],\n \"holding_structure\": {\n \"has_material_intermediary_ownership\": true,\n \"corporate_shareholders\": [\n {\n \"entity_name\": \"Toronggo Ventures Limited\",\n \"entity_name_en\": \"Toronggo Ventures Limited\",\n \"registration_country_code\": \"BGD\",\n \"ownership_percentage\": 0,\n \"registration_number\": \"C-987654/2015\",\n \"entity_type\": \"LIMITED_LIABILITY_COMPANY\",\n \"incorporation_date\": \"2015-03-01\"\n }\n ]\n },\n \"compliance\": {\n \"operates_in_prohibited_countries\": false,\n \"additional_description_for_compliance_screening\": \"We do not operate in any OFAC-sanctioned jurisdictions.\",\n \"risk_profile\": {\n \"high_risk_activities\": [\n \"adult_entertainment\"\n ],\n \"high_risk_activities_explanation\": \"We facilitate cross-border B2B payments, subject to enhanced due diligence.\",\n \"conducts_money_services\": true,\n \"conducts_money_services_via_fin\": false,\n \"conducts_money_services_description\": \"Licensed payment service provider offering international transfer services.\"\n },\n \"regulated_activity\": {\n \"description\": \"Licensed payment service provider under Bangladesh Bank regulation\",\n \"primary_authority_country_code\": \"BGD\",\n \"primary_authority_name\": \"Bangladesh Bank\",\n \"license_number\": \"PSP-2019-00123\"\n },\n \"aml\": {\n \"supervisory_authority_name\": \"Bangladesh Financial Intelligence Unit\",\n \"license_number\": \"PSP-2019-00123\",\n \"has_appointed_mlro\": true,\n \"customer_risk_split\": {\n \"low_risk\": 70,\n \"medium_risk\": 25,\n \"high_risk\": 5\n },\n \"prohibits_anonymous_or_fictitious_accounts\": true,\n \"prohibits_accounts_for_unlicensed_or_shell_customers\": true,\n \"customer_identity_verification\": {\n \"method\": \"automated\",\n \"system\": \"Jumio\"\n },\n \"pep_and_sanctions_screening\": {\n \"method\": \"automated\",\n \"system\": \"Dow Jones Risk & Compliance\"\n },\n \"sanction_lists\": [\n \"OFAC\",\n \"EU\",\n \"UN\",\n \"HMT\"\n ],\n \"customer_risk_classification_from_due_diligence\": true,\n \"enhanced_due_diligence_process\": true,\n \"transaction_monitoring\": {\n \"method\": \"automated\",\n \"system\": \"Actimize\"\n },\n \"procedures_for_transaction_monitoring\": true,\n \"subject_to_ml_or_tf_investigation\": \"none\",\n \"subject_to_regulatory_enforcement_past_2_years\": \"none\",\n \"confirms_no_service_to_sanctioned_countries\": true,\n \"client_funds_accessibility\": \"closed_loop\",\n \"aml_ctf_audit_completed\": true,\n \"planned_audit_date\": \"2026-12-01\"\n }\n },\n \"meta_data\": {\n \"reference\": \"REF-20250123-TORONGGO\"\n }\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}{
"customer_id": "ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06",
"tos_policies_url": "https://orchestration.fin.com/orchestration-customer-tos?customer_id=ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06&tos_policies_value=6955e70b-f9f3-4076-b1ce-5c897085dd24"
}{
"status": 400,
"message": "Validation failed",
"data": {
"basic_info.email": "Must be a valid email address",
"associated_parties[0].basic_info.dob": "Party must be at least 18 years old",
"addresses.physical_address": "Required when is_incorporated_address_same is false"
}
}{
"message": "Authentication failed"
}{
"status": 423,
"message": "RELIANCE is not available for your client"
}{
"status": 500,
"message": "Internal server error"
}Important Requirements
- Email Address: Must be all lowercase or you will receive a validation error
- RELIANCE Verification: If you attempt to use
RELIANCEverification type but it’s not enabled for your client, you will receive a 423 error with message: “RELIANCE is not available for your client” - Non-ASCII characters: If any input field contains non-ASCII characters, you must provide a transliterated (Latin) value in the corresponding
_enfield (e.g.,legal_name_en,street_line_1_en,first_name_en) - Third-party Fund Usage: The
third_party_fund_usagefield indicates whether this customer will be moving other people’s money - Ownership Percentages: The total ownership percentages of all associated parties must add up to more than 0 and less than 100
- Reference Data:
purpose_id,source_of_fund_idsandsource_of_wealth_idsare integer foreign keys — fetch valid values from List Account Purposes , List Source of Funds and List Source of Wealth - subdivision_code: Pass the ISO 3166-2 code. For example for CA, pass US-CA.
Authorizations
Bearer token authentication. Obtain token from Issue a Token endpoint
Body
application/json
Verification level. Defaults to STANDARD if omitted. RELIANCE must be explicitly enabled for your client.
Available options:
STANDARD, RELIANCE Example:
"STANDARD"
NAICS 2022 6-digit industry codes. Min 1 item. See the full list at Business-industry-codes.
Minimum array length:
1Example:
["523130"]
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Show child attributes
UBOs (≥25% ownership), directors, and authorized signatories. Min 1 item required.
Minimum array length:
1Show child attributes
Show child attributes
Show child attributes
Show child attributes
Stock exchange listings. Required for publicly traded companies.
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Client-defined key-value metadata for internal tracking.
Show child attributes
Show child attributes
Response
Business customer created successfully
Unique identifier for the created customer
Example:
"ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06"
URL for customer to accept Terms of Service. Parse the tos_policies_value query parameter and pass it when attaching business documents.
Example:
"https://orchestration.fin.com/orchestration-customer-tos?customer_id=ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06&tos_policies_value=6955e70b-f9f3-4076-b1ce-5c897085dd24"
⌘I