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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://toronggo.com.bd"
    ]
  },
  "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": "NID",
            "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": "NID",
            "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"
  }
}
'
{
  "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"
}

​
Important Requirements

  • Email Address: Must be all lowercase or you will receive a validation error
  • RELIANCE Verification: If you attempt to use RELIANCE verification 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 _en field (e.g., legal_name_en, street_line_1_en, first_name_en)
  • Third-party Fund Usage: The third_party_fund_usage field 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 and source_of_fund_ids are integer foreign keys — fetch valid values from GET /v1/purposes and GET /v1/source-of-funds. source_of_wealth_ids uses fixed enum values — see field description.
  • subdivision_code: Pass the ISO 3166-2 code. For example for CA, pass US-CA.

Authorizations

​
Authorization
string
header
required

Bearer token authentication. Obtain token from /v1/oauth/token endpoint

Body

application/json
​
verification_type
enum<string>
required

Verification level. Defaults to STANDARD if omitted. RELIANCE must be explicitly enabled for your client.

Available options:
STANDARD,
RELIANCE
Example:

"STANDARD"

​
industry_codes
string[]
required

NAICS 2022 6-digit industry codes. Min 1 item. See the full list at Business-industry-codes.

Minimum array length: 1
Example:
["523130"]
​
basic_info
object
required
​
financial_profile
object
required
​
addresses
object
required
​
associated_parties
object[]
required

UBOs (≥25% ownership), directors, and authorized signatories. Min 1 item required.

Minimum array length: 1
​
holding_structure
object
​
public_listings
object[]

Stock exchange listings. Required for publicly traded companies.

​
compliance
object
​
meta_data
object

Client-defined key-value metadata for internal tracking.

Response

Business customer created successfully

​
customer_id
string<uuid>

Unique identifier for the created customer

Example:

"ed54db74-7dbe-47d2-8ea0-c2bf2a9dda06"

​
tos_policies_url
string<uri>

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"