Entity-wise document requirement - Fin.com

Depending on your entity type, you’ll need to upload specific documents (or their local equivalents) to complete the profile. You can attach these using the Attach Documents to Business Customer endpoint.

Document Requirements

Entity Type	Formation Documents	Ownership Documents	Supporting Documents
Limited Liability Company (LLC)	Registration Document, Constitutional Document, Evidence of Directors and Controllers (non-US only)	Proof of Signatory Authority	Proof of Address, Proof of Source of Funds, Shareholder Register, Cert of Incumbency, E Signature Certificate
Corporation (Inc, Corp)	Registration Document, Constitutional Document, Evidence of Directors and Controllers (non-US only)	Proof of Signatory Authority	Proof of Address, Proof of Source of Funds, Shareholder Register, Cert of Incumbency, E Signature Certificate
Partnership	Registration Document, Constitutional Document	Proof of Signatory Authority	Proof of Address, Proof of Source of Funds, Shareholder Register, Cert of Incumbency, E Signature Certificate
Sole Proprietorship	Proof of Nature of Business, Proof of Entity Name Change, Proof of Tax Identification	None	Proof of Address, Proof of Source of Funds
Private Foundation	Registration Document, Constitutional Document	Proof of Signatory Authority	Proof of Address, Tax Exempt Entity Confirmation, Proof of Source of Wealth, Proof of Source of Funds, Cert of Incumbency, E Signature Certificate
Charity	Registration Document, Constitutional Document	Proof of Signatory Authority	Proof of Address, Tax Exempt Entity Confirmation, Proof of Source of Wealth, Proof of Source of Funds, Cert of Incumbency, E Signature Certificate
Non-profit Organization	Registration Document, Constitutional Document	Proof of Signatory Authority	Proof of Address, Tax Exempt Entity Confirmation, Proof of Source of Wealth, Proof of Source of Funds, Cert of Incumbency, E Signature Certificate
Public Agency or Authority	Constitutional Document	Proof of Signatory Authority	Proof of Address, Proof of Source of Funds, Shareholder Register, E Signature Certificate
Publicly Listed Company	Registration Document, Constitutional Document, Evidence of Directors and Controllers (non-US only)	Proof of Signatory Authority	Proof of Address, Proof of Source of Funds, Shareholder Register, Cert of Incumbency, E Signature Certificate

Document Definitions

Document name	Document API code	What to send ✈️	What reviewers check 🔍	What to avoid 🚫
Registration Document	`REGISTRATION_DOCUMENT`	Certificate of incorporation, formation, or registration. Your country’s equivalent works if it serves the same purpose (e.g. a trade license in some free zones).	• Exact legal name, character for character, matching the application and the public registry. • Incorporation date, jurisdiction, registry stamp or registration number. • Still current, not expired or superseded.	• Expired or superseded copies. • Name changed after formation, official name-change document missing. • Wrong local document type for your country. Ask us if unsure.
Constitutional Document	`CONSTITUTIONAL_DOCUMENT`	Articles of association or organization, bylaws, an operating agreement, or a partnership agreement, whichever governs your entity type.	• Entity name matches the registration document exactly. • Signatures where the document type carries them (digital is fine). • All pages and schedules included.	• Draft or unsigned versions. • Missing pages or schedules that list members and their interests.
Evidence of Directors and Controllers	`EVIDENCE_OF_DIRECTORS_AND_CONTROLLERS`	Register of directors, registry extract, or certificate of incumbency showing all current directors.	• Every current director listed. • Names spelled exactly as on the public register and in the application, including middle names and initials. • The record is current.	• Outdated records that don’t reflect current directors. • A director in the application missing from the document, or vice versa. • Spelling differences vs the public registry.
Proof of Tax Identification	`PROOF_OF_TAX_IDENTIFICATION`	A tax filing or an official tax-authority letter showing the number. Sole proprietors: the individual tax return covering the business.	• The tax ID on the document matches the number entered in the application. • The document shows the exact legal name. • Issuing authority visible.	• The number on the document doesn’t match the application. Fix the data, then resubmit. • A letter addressed to a different name or entity.
Proof of Signatory Authority	`PROOF_OF_SIGNATORY_AUTHORITY`	• An authorized-representative list, board resolution, or power of attorney naming who can act for the company, signed by a director. • DAOs: the list of managers or persons able to legally bind the organization. • Where person filling the DD questionnaire or operating Fin Dashboard is different from the Directors of UBOs, to provide a Board Resolution authorising the individual(s) the right to access and sign-offs on behalf of.	• The person operating this account is named, with role and scope of authority. • Entity name on the document. • Executed by a director or the governing body.	• The account admin isn’t on the list. • Unsigned lists, or authority granted by someone with no standing to grant it.
Shareholder Register	`SHAREHOLDER_REGISTER`	• A share register, cap table, or shareholders’ agreement: any official record listing the owners. • Owned by another company? The same document for that company too.	• Your company’s name on the face of the document. • Every owner with an exact percentage, adding up to 100%. • Dated and signed by a director. Cap tables from recognized platforms (Carta, AngelList) need no extra signature. • Every middle layer of a holding structure has its own register. Note: Keep real per-layer percentages on documents. Reviewers trace the chain and compute effective ownership themselves. A ‘corrected’ number matching no registry creates a query, not a shortcut.	• The document proves who the directors are but not who owns what percentage. This is the most common ownership rejection. • A holding company in the chain with no register of its own. • Outdated registers that don’t reflect current shareholders.
Ownership Information	`OWNERSHIP_INFORMATION`	• For DAOs and member structures: membership or token agreement, voting records, or governance framework showing who controls the organization.	• Members or token holders and their percentages, or the control mechanics if there are no percentages. • Consistency with the governance you’ve described.	• Documents showing the governance process but not who actually controls. • Self-declarations with nothing verifiable behind them.
Ownership Chart	`OWNERSHIP_CHART`	• A one-page chart of the full ownership structure covering every entity layer, down to actual people. Required whenever another entity sits in your ownership chain, and always for funds. • Document must indicate in % the ownership. Total must equals to 100%	• Each layer: entity legal name, country, and percentage held. • Direct and indirect percentages sum to 100%; the chain ends at natural persons. • The chart matches the share registers submitted.	• A chart that doesn’t match the registers. • Missing layers, or percentages that don’t add up.
Cert of Incumbency	`CERT_OF_INCUMBENCY`	• A recent certificate of incumbency issued by your registered agent.	• Current directors and officers, plus shareholders with percentages where the certificate carries them. • Entity name and a recent issue date. • Names match the register of directors exactly.	• Stale certificates. • Names differing from the public register. • Shareholders listed without percentages when the certificate is used as ownership evidence.
Proof of Address	`PROOF_OF_ADDRESS`	• A utility bill, bank statement, or lease showing your company name and full address. • Also acceptable: a government letter or a registry extract showing the address. Note: Fully remote? Proof of a director’s home address plus a short signed letter confirming remote operations. Ask us for the template.	• Issued within the last 90 days; a lease can be older if still active. • Company legal name in full, complete address, issue date, and the issuer’s name or logo, all visible. • The address is where you actually operate. No PO boxes, virtual offices, or mail-forwarding addresses. • The entire document visible, nothing cropped or blacked out.	• Registered-agent or virtual-office addresses. These are checked against known lists, and they fail. • A document in a person’s name instead of the company’s. • Redacted lines. Redaction reads as tampering. • Older than 90 days.
Proof of Source of Funds	`PROOF_OF_SOURCE_OF_FUNDS`	• The last three months of business bank statements, in the company name. • Your latest financial statements or management accounts. • A short note naming the actual accounts and institutions money comes from. Note: Crypto-native business? Wallet ownership proof, on-chain transaction history, and exchange account statements all work as evidence.	• Statements in the company’s registered name with real operating activity. • Financial statements with notes and a breakdown of the major balance-sheet lines, plus who prepared them and on what basis. • The story matches your declared revenue and the application.	• Personal-account statements, never accepted for a company application. • Statements from a parent, sister, or other related company. • Statements older than three months. • Condensed one-page financial summaries. • Vague one-liners (“business revenue”) with nothing behind them.
Proof of Source of Wealth	`PROOF_OF_SOURCE_OF_WEALTH`	• A signed source-of-wealth declaration. Ask us for the template; free-form letters get sent back. • Evidence matching your wealth type: payslips or contracts for salary, portfolio statements for investments, estate documents for inheritance. • Foundations, charities, NPOs: annual reports.	• Signed by a named person with their role stated. • Evidence consistent with the declared wealth story.	• Free-form letters instead of the template. • Declarations with no supporting evidence behind them.
Proof of Nature of Business	`PROOF_OF_NATURE_OF_BUSINESS`	• Two or three recent invoices or signed contracts; bills of lading where relevant. • Brand-new company with no revenue? A business plan, pitch deck, or product demo instead.	• Invoices look real: payment details, branding, specific amounts. • The activity shown matches what the application says you do.	• Generic round-number invoices. These trigger proof-of-payment requests. • An invoice that can’t be matched to a bank statement when asked. • Evidence contradicting the stated activity.
Proof of Entity Name Change	`PROOF_OF_ENTITY_NAME_CHANGE`	• The official name-change filing, or a trade-name / DBA registration linking your brand to the legal entity. • Domain registration or a brand-to-entity agreement also helps.	• Old and new (or trading) name, the official filing, and its date. • The connection between the website brand and the legal entity is clear.	• A brand on the website belonging to a different company, with nothing official connecting them. • Informal explanations with no filing behind them.
Tax Exempt Entity Confirmation	`TAX_EXEMPT_ENTITY_CONFIRMATION`	• Your tax-exemption determination letter or charity registration letter (the local equivalent is fine).	• Entity legal name, exemption or registration number, issuing authority.	• A letter issued to a related entity instead of the applicant. • Lapsed registrations.
Marketing Materials	`MARKETING_MATERIALS`	• Investment funds: prospectus, offering memorandum, or private placement memorandum. • Other companies: decks or brochures that substantiate the business, when asked.	• Entity or fund name on the materials. • Strategy and product consistent with the application.	• Materials describing a different product or entity than the one applying.
AML Comfort Letter	`AML_COMFORT_LETTER`	• For investment funds: an AML attestation letter issued by the fund administrator.	• Issuer identity (the administrator), entity name, program scope (verification, monitoring, sanctions). • Date and signature.	• Self-issued letters where an administrator’s letter is required. • Letters with no detail on the actual program.
E Signature Certificate	`E_SIGNATURE_CERTIFICATE`	• The completion certificate from your signing platform (e.g. DocuSign) for electronically signed onboarding documents. • Your Certificate of incorporation is acceptable for this	• Signer identity, reference to the signed document, completion timestamp.	• A signed PDF submitted without its certificate when one is required. • A certificate that doesn’t match the signed document.
Flow of Funds	`FLOW_OF_FUNDS`	• A short structured note covering four things: where funds come from (which institutions), why you’re transacting, who you pay, and where funds go, plus expected monthly volume. • Moving money for third parties? Add a simple funds-flow diagram.	• Volume squares with your declared revenue. A gap between the two is the fastest way to a follow-up question. • Counterparties fit the business you’ve described.	• Round guesses with no relationship to the financials submitted. • Moving money for other businesses or people without telling us first. Accounts can’t process undisclosed third-party funds. If your model pays out for others, talk to us before you build the flow.
Evidence of Good Standing	`EVIDENCE_OF_GOOD_STANDING`	• A recent certificate of good standing from your registry. Usually requested when the registry can’t be verified automatically.	• Entity legal name, jurisdiction, active status, recent issue date.	• Stale certificates. • The entity shown as inactive or struck off.
Proof of Nature of Business License	`PROOF_OF_NATURE_OF_BUSINESS_LICENSE`	• Regulated activity (payments, FX, crypto services, lending, gambling, holding client funds): your license or registration. • Not regulated: a signed one-line statement confirming no money-services or virtual-asset registration applies to you.	• License in the exact legal name of the applying entity. • Regulator, number, scope, and validity. • The licensed activity matches the activity in the application.	• Regulated activity left undisclosed. This alone is grounds for rejection. • A license held by a group company instead of the applying entity.
Proof of Nature of Business AML Policy	`PROOF_OF_NATURE_OF_BUSINESS_AML_POLICY`	• Your AML policy. Required alongside the license whenever you conduct money-services or regulated activity.	• Entity name and a named responsible officer. • Customer verification procedures, transaction monitoring, sanctions screening.	• Generic templates with no company specifics. • A policy naming a different entity.
Proof of Account Purpose	`PROOF_OF_ACCOUNT_PURPOSE`	• A clear narrative of how you’ll use the account: payments, settlement, treasury, or operational flows. • State upfront whether you’ll create virtual accounts for your end customers.	• The purpose is consistent with your business model and your flow of funds. • Substantiation where the purpose is higher-risk, such as paying out to third parties.	• A stated purpose that conflicts with the described model. • Third-party payout intent left undisclosed.