> ## Documentation Index
> Fetch the complete documentation index at: https://developer.fin.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Onboarding Individual Customers
> Complete guide to onboarding individual customers with personal details, financial profiles, and identity verification
Onboard individual customers to enable cross-border payments and payouts through Fin.com's platform. This guide walks you through creating individual customer profiles, uploading verification documents, and managing the compliance workflow using the **V2 API**.
## Prerequisites
Before you begin, ensure you have:
* **API credentials**: Client ID and secret from the [API Keys](https://orchestration.fin.com/api-keys) section
* **Access token**: Generated via [POST /v1/oauth/token](/api-reference/authentication/issue-a-token)
* **Catalogue data**: Familiarity with [/v1/occupations](/api-reference/catalogue/list-occupations), [/v1/purposes](/api-reference/catalogue/list-account-purposes), and [/v1/source-of-funds](/api-reference/catalogue/list-source-of-funds) endpoints
## Onboarding Steps
| Step | Endpoint | Description |
| - | - | - |
| 1. Fetch Catalogue Data | [GET /v1/occupations](/api-reference/catalogue/list-occupations), [GET /v1/purposes?type=INDIVIDUAL](/api-reference/catalogue/list-account-purposes), [GET /v1/source-of-funds?type=INDIVIDUAL](/api-reference/catalogue/list-source-of-funds) | Retrieve valid IDs for occupations, purposes, and fund sources |
| 2. Create Customer | [POST /v2/customers/individual](/api-reference/customers/create-individual-customer-v2) | Submit personal details, address, and financial profile |
| 3. Upload Documents | [POST /v1/customers/upload](/api-reference/customers/upload-document) | Upload identity, selfie, and address proof files |
| 4. Attach Documents | Link uploaded documents to the customer (processed asynchronously) | |
| 5. Monitor Status | Webhooks: `customer.status` | Track verification progress (INCOMPLETE → REVIEWING → APPROVED) |
***
## Request Body Structure
### Verification Type (Required)
> **Verification type** determines how customer identity is validated. **STANDARD** uses traditional document verification. On **RELIANCE**, Fin.com relies on your KYC. Please contact our compliance team to know more.
```json theme={null}
{
"verification_type": "STANDARD"
}
```
**RELIANCE verification** must be explicitly enabled for your client. If not available, you'll receive a 423 error with the message: `"RELIANCE is not available for your client"`
### Basic Information (Required)
> Personal details exactly as shown on identity documents. **All fields must use only English (Latin) characters**. If any field contains non-ASCII characters, provide a transliterated value in the corresponding `_en` field.
**Fields:**
| Field | Type | Required | Description | Example |
| - | - | - | - | - |
| `first_name` | string | Yes | Legal first name as shown on ID | `"María"` |
| `first_name_en` | string | Conditional | English transliteration. Required if `first_name` contains non-ASCII characters. | `"Maria"` |
| `middle_name` | string | No | Middle name | `"Elena"` |
| `middle_name_en` | string | Conditional | English transliteration. Required if `middle_name` contains non-ASCII characters. | `"Elena"` |
| `last_name` | string | Yes | Legal last name as shown on ID | `"García"` |
| `last_name_en` | string | Conditional | English transliteration. Required if `last_name` contains non-ASCII characters. | `"Garcia"` |
| `dob` | string (date) | Yes | Date of birth in YYYY-MM-DD format. Age must be between 18 and 120. | `"1990-04-15"` |
| `email` | string (email) | Yes | Personal email address - **must be all lowercase** | `"maria.garcia@example.com"` |
| `phone` | string | Yes | Phone number in E.164 format | `"+14155552671"` |
| `country_of_residence` | string | Yes | ISO Alpha-3 country code where person resides | `"USA"` |
| `primary_nationality` | string | Yes | ISO Alpha-3 country code of primary citizenship | `"USA"` |
| `secondary_nationality` | string | No | ISO Alpha-3 country code of secondary citizenship | `"MEX"` |
| `gender` | string | No | `MALE` or `FEMALE` | `"FEMALE"` |
| `tax_info` | array | Yes | Tax identification documents (see below) | -- |
Email must be **all lowercase** or validation will fail. Convert to lowercase before sending: `maria.garcia@example.com` ✓ not `Maria.Garcia@Example.com` ✗
***
#### Tax Info Array
Each entry in `tax_info` must have a unique `document_id`.
| Field | Type | Required | Description | Example |
| - | - | - | - | - |
| `country_code` | string | Yes | ISO Alpha-3 country code | `"USA"` |
| `document_type` | string | Yes | Tax document type (e.g., `SSN`, `TIN`) | `"SSN"` |
| `document_id` | string | Yes | Tax identification number | `"123-45-6789"` |
**TIN Format by Country:**
* **USA**: Social Security Number in format `xxx-xx-xxxx` (e.g., `123-45-6789`)
* **Other countries**: Must use the country's official Tax Identification Number format
**V2 Change: `tax_info` replaces `tin`**. V1 used a single `tin` string field. V2 uses a `tax_info` array, which supports multiple tax documents across different countries.
**Example:**
```json theme={null}
{
"basic_info": {
"first_name": "Maria",
"middle_name": "Elena",
"last_name": "Garcia",
"dob": "1990-04-15",
"email": "maria.garcia@example.com",
"phone": "+14155552671",
"country_of_residence": "USA",
"primary_nationality": "USA",
"secondary_nationality": "MEX",
"gender": "FEMALE",
"tax_info": [
{
"country_code": "USA",
"document_type": "SSN",
"document_id": "123-45-6789"
}
]
}
}
```
***
### Address (Required)
> Current residential address of the customer. The `country` field **must match** `basic_info.country_of_residence`.
**Fields:**
| Field | Type | Required | Description | Example |
| - | - | - | - | - |
| `street_line_1` | string | Yes | Primary street address | `"123 Market Street"` |
| `street_line_1_en` | string | Conditional | English transliteration. Required if `street_line_1` contains non-ASCII characters. | `"123 Market Street"` |
| `street_line_2` | string | No | Apartment, suite, unit, etc. | `"Apt 4B"` |
| `street_line_2_en` | string | Conditional | English transliteration. Required if `street_line_2` contains non-ASCII characters. | `"Apt 4B"` |
| `city` | string | Yes | City name | `"San Francisco"` |
| `subdivision_code` | string | Yes | ISO 3166-2 subdivision code | `"US-CA"` |
| `postal_code` | string | Yes | Postal or ZIP code | `"94103"` |
| `country` | string | Yes | ISO Alpha-3 country code. **Must match `country_of_residence`.** | `"USA"` |
**Subdivision Code Format**: Use ISO 3166-2 codes from the catalogue API. For example, use `US-CA` instead of `CA` for California, or `GB-ENG` instead of `England`. Fetch valid codes from [/v1/countries/](/api-reference/catalogue/list-subdivisions){country_code}[/subdivisions](/api-reference/catalogue/list-subdivisions).
**V2 Change: Address fields**. V1 used a single `street` field. V2 splits this into `street_line_1` and `street_line_2`. The `state` field has been renamed to `subdivision_code`.
**Example:**
```json theme={null}
{
"address": {
"street_line_1": "123 Market Street",
"street_line_2": "Apt 4B",
"city": "San Francisco",
"subdivision_code": "US-CA",
"postal_code": "94103",
"country": "USA"
}
}
```
***
### Financial Profile (Required)
> Describes employment status, occupation, transaction purpose, volume, and fund sources. Use catalogue endpoints to fetch valid IDs.
**Fields:**
| Field | Type | Required | Description | How to Get Value |
| - | - | - | - | - |
| `employment_status` | string | Yes | One of: `EMPLOYED`, `SELF_EMPLOYED`, `RETIRED`, `STUDENT`, `UNEMPLOYED` | Select from enum |
| `occupation_id` | integer | Yes | Customer's occupation | [GET /v1/occupations](/api-reference/catalogue/list-occupations) |
| `purpose_id` | integer | Yes | Purpose of using the service | [GET /v1/purposes?type=INDIVIDUAL](/api-reference/catalogue/list-account-purposes) |
| `purpose_remarks` | string | No | Free-text description of the purpose | User input |
| `source_of_fund_ids` | integer\[] | Yes | Source(s) of funds (supports multiple) | [GET /v1/source-of-funds?type=INDIVIDUAL](/api-reference/catalogue/list-source-of-funds) |
| `source_of_funds_description` | string | No | Free-text description of fund sources | User input |
| `monthly_volume_usd` | integer | Yes | Expected monthly transaction volume in **USD** (not cents). Accepts `0`. | User estimate: `5000` |
When fetching catalogue data for individual customers, use the `?type=INDIVIDUAL` query parameter to get the correct options for `purpose_id` and `source_of_fund_ids`.
**V2 Change: Multiple fund sources**. V1 accepted a single `source_of_fund_id` integer. V2 uses `source_of_fund_ids` as an array, allowing multiple sources. V2 also adds `employment_status` (required), `purpose_remarks`, and `source_of_funds_description`.
**Example:**
```json theme={null}
{
"financial_profile": {
"employment_status": "EMPLOYED",
"occupation_id": 42,
"purpose_id": 3,
"purpose_remarks": "Personal remittances to family",
"source_of_fund_ids": [1, 5],
"source_of_funds_description": "Monthly salary from employment",
"monthly_volume_usd": 5000
}
}
```
***
### Metadata (Optional)
Custom key-value pairs for internal tracking:
```json theme={null}
{
"meta_data": {
"reference": "client-ref-abc-001"
}
}
```
***
## Document Upload & Attachment
After creating the individual customer, you must upload and attach verification documents.
### Step 1: Upload Documents
Upload files using multipart/form-data:
```bash theme={null}
curl --request POST \
--url https://sandbox.api.fin.com/v1/customers/upload \
--header 'Authorization: Bearer ' \
--header 'Content-Type: multipart/form-data' \
--form 'customer_id=55bd6b4e-c20a-4cc8-9535-91d5557a67d9' \
--form 'file1=@/path/to/selfie.jpg' \
--form 'file2=@/path/to/license_front.pdf' \
--form 'file3=@/path/to/license_back.pdf' \
--form 'file4=@/path/to/bank_statement.pdf'
```
**Allowed file types**: PDF, JPG, JPEG, PNG
**Maximum file size**: 5 MB per file
**Response:**
```json theme={null}
{
"data": {
"files": [
{"file1": "/AbAcQ4hn_0652746727637.pdf"},
{"file2": "/AbAcQ4hn_0652746727638.pdf"},
{"file3": "/XyZ123mn_0652746727639.pdf"},
{"file4": "/PoAdef45_0652746727640.pdf"}
]
}
}
```
Save these URIs - you'll use them in the attachment request.
***
### Step 2: Attach Documents
In V2, the `customer_id` moves to the URL path. The request body uses `identifying_documents` and `address_documents` arrays instead of V1's `proof_of_identity` and `proof_of_address` objects.
* The customer must be in `INCOMPLETE` or `ACTION_REQUIRED` status. Only one attach request can be in flight per customer. A second concurrent request returns `409`.
* The `tos_policies_value` should be parsed from the `tos_policies_url` query parameter returned when creating the customer. Providing this value signifies that the customer was shown the terms and accepted them.
```bash theme={null}
curl --request POST \
--url https://sandbox.api.fin.com/v2/customers/55bd6b4e-c20a-4cc8-9535-91d5557a67d9/individual/attach \
--header 'Authorization: Bearer ' \
--header 'Content-Type: application/json' \
--data '{
"identifying_documents": [
{
"type": "SELFIE",
"files": [
{"uri": "/AbAcQ4hn_0652746727637.pdf"}
]
},
{
"type": "DRIVERS_LICENSE",
"number": "DL987654321",
"country": "USA",
"state": "US-CA",
"issue_date": "2019-06-01",
"expiry_date": "2029-06-01",
"files": [
{"side": "FRONT", "uri": "/AbAcQ4hn_0652746727638.pdf"},
{"side": "BACK", "uri": "/XyZ123mn_0652746727639.pdf"}
]
}
],
"address_documents": [
{
"type": "BANK_STATEMENT",
"country": "USA",
"files": [
{"uri": "/PoAdef45_0652746727640.pdf"}
]
}
],
"tos_policies_value": "e9414388-fbdf-4407-b5c2-bc39eae3645b"
}'
```
**Response (200 - queued for async processing):**
```json theme={null}
{
"data": {
"customer_id": "55bd6b4e-c20a-4cc8-9535-91d5557a67d9"
},
"meta": null
}
```
V2 document attachment is **asynchronous**. A `200` response means the request is validated and queued, not that processing is complete. Listen for `customer.status` webhooks to track progress.
#### Identity Document Types & Side Requirements
| Type | Files | Sides Required | `state` field |
| - | - | - | - |
| `PASSPORT` | 1 | Optional | Forbidden |
| `NATIONAL_ID` | 2 | One `FRONT` + one `BACK` | Forbidden |
| `DRIVERS_LICENSE` | 2 | One `FRONT` + one `BACK` | Required if country is `USA`, optional otherwise |
| `RESIDENCE_PERMIT` | 2 | One `FRONT` + one `BACK` | Forbidden |
| `SELFIE` | 1 | Optional | N/A |
At most **one non-SELFIE** identity document may be included per request. A `SELFIE` entry may be required depending on your client configuration. When required, include exactly one `SELFIE` entry with at least one file.
#### Address Proof Types
| Type | Description |
| - | - |
| `UTILITY_BILL` | Recent utility bill (gas, electric, water) |
| `BANK_STATEMENT` | Bank statement (within the last 3 months) |
| `GOVERNMENT_LETTER` | Official government correspondence |
Exactly **one** `address_documents` entry is required. The `country` on the address document must match the customer's `country_of_residence`.
**Proof of Address Requirements:**
* Document must show the customer's **full name** and **complete address**
* Address must match the `address` provided in the customer creation request
* Document should be issued within the **last 90 days** (for utility bills, bank statements, and government letters)
#### Key Rules
* File URIs must be **unique** across the entire reques and must belong to this customer.
* `expiry_date` is required for all identity document types except `SELFIE` and must be in the future.
***
## Customer Status & Webhooks
After document submission, customers go through a verification workflow:
**Status Lifecycle:**
| Status | Description |
| - | - |
| `INCOMPLETE` | Customer created but documents not yet attached |
| `REVIEWING` | Documents submitted and under compliance review |
| `APPROVED` | Verification complete, customer can transact |
| `ACTION_REQUIRED` | Additional documents or corrections needed (re-attach allowed) |
| `ON_HOLD` | Additional information required via RFI |
| `REJECTED` | Verification failed, see rejection reason |
**Webhook Events:**
* `customer.created` - Fired when a customer is created
* `customer.status` - Fired when status changes
Subscribe to webhooks to automate your onboarding flow. See [Verifying Webhooks](/guides/webhooks/verifying-webhooks) for setup.
***
## Error Response Examples
**Email validation error (not lowercase):**
```json theme={null}
{
"message": "Validation failed",
"errors": {
"basic_info.email": ["Email must be all lowercase"]
}
}
```
**RELIANCE not enabled:**
```json theme={null}
{
"message": "RELIANCE is not available for your client"
}
```
**Address country mismatch:**
```json theme={null}
{
"message": "Validation failed",
"errors": {
"address.country": ["Must match basic_info.country_of_residence"]
}
}
```
**Concurrent attach conflict (409):**
```json theme={null}
{
"error": {
"code": "conflict",
"message": "An attach request is already in progress for this customer"
}
}
```
**Customer not eligible for attach (403):**
```json theme={null}
{
"error": {
"code": "forbidden",
"message": "Customer is not eligible for this operation"
}
}
```
***
## What's Next?
You've successfully created an individual customer using V2. Here's what to do next:
### 1. Monitor Verification Status
Listen for webhook events to track verification progress:
* Subscribe to `customer.created` and `customer.status` webhooks
* Handle status transitions: `INCOMPLETE` → `REVIEWING` → `APPROVED`
* For `ACTION_REQUIRED` statuses, re-submit corrected documents via the attach endpoint
* For `ON_HOLD` statuses, respond to RFIs (Requests for Information) via email or Slack with additional documents
* See [Webhook Verification](/guides/webhooks/verifying-webhooks) for implementation details
### 2. Test Edge Cases
Validate your integration handles common errors:
* ✓ Email with uppercase characters
* ✓ `address.country` not matching `country_of_residence`
* ✓ Non-ASCII characters without `_en` transliteration fields
* ✓ Missing required fields
* ✓ RELIANCE verification when not enabled
* ✓ Concurrent attach requests (409)
* ✓ Expired identity documents
* ✓ Duplicate file URIs across documents
### 3. Production Checklist
Before going live, ensure you have:
* Implemented webhook handling for status updates
* Added proper error handling for all failure scenarios (400, 401, 403, 409, 422)
* Client-side validation for email lowercase and tax document format
* Fetched and cached catalogue data (occupations, purposes, source-of-funds)
* Implemented document upload UI/flow including selfie capture
* Set up monitoring for failed verifications
* Tested the complete workflow end-to-end
### 4. Create Beneficiaries
Once your individual customer is approved, you can create beneficiaries for payouts:
* See [Beneficiary Account Validation](/bank-account-and-routing-validation-rules)
* Review [Beneficiary Relationships](/guides/beneficiaries/sender-and-receiver-relationships)
***
## V1 to V2 Migration Summary
| Area | V1 | V2 |
| - | - | - |
| Create endpoint | `POST /v1/customers/individual` | `POST /v2/customers/individual` |
| `verification_type` | Optional (defaults to STANDARD) | Required |
| Name fields | `first_name`, `last_name` | Adds `middle_name` + `_en` transliteration fields |
| Nationality | `nationality` | `primary_nationality` + optional `secondary_nationality` |
| Gender | Not supported | Optional `gender` field |
| Tax ID | Single `tin` string | `tax_info` array with `country_code`, `document_type`, `document_id` |
| Address street | Single `street` field | `street_line_1` + `street_line_2` + `_en` fields |
| Address state | `state` | `subdivision_code` |
| Address country | No validation against residence | Must match `country_of_residence` |
| Employment | Not supported | Required `employment_status` enum |
| Source of funds | Single `source_of_fund_id` | Array `source_of_fund_ids` + `source_of_funds_description` |
| Purpose | `purpose_id` only | `purpose_id` + optional `purpose_remarks` |
| Attach endpoint | `POST /v1/customers/individual/attach` | `POST /v2/customers/{customer_id}/individual/attach` |
| Attach body | `customer_id` in body | `customer_id` in URL path |
| Identity docs | `proof_of_identity` object | `identifying_documents` array |
| Address docs | `proof_of_address` object | `address_documents` array (max 1 entry) |
| Selfie | Not supported | `SELFIE` type in `identifying_documents` |
| Residence permit | Not supported as ID type | `RESIDENCE_PERMIT` type supported |
| Address proof types | 8 types | 3 types: `UTILITY_BILL`, `BANK_STATEMENT`, `GOVERNMENT_LETTER` |
| `tos_policies_value` | Required in attach body | Not required in attach body |
| Processing | Synchronous | Asynchronous (200 = queued) |
| Concurrency | No guard | 409 if attach already in flight |
***
## Common Pitfalls & Solutions
| Pitfall | Solution |
| - | - |
| **Email validation fails** | Ensure email is **all lowercase** before sending: `maria.garcia@example.com` ✓ not `Maria.Garcia@Example.com` ✗ |
| **Address country mismatch** | `address.country` must exactly match `basic_info.country_of_residence`. |
| **RELIANCE 423 error** | RELIANCE verification must be enabled for your client. Contact support or use `STANDARD`. |
| **Non-ASCII without `_en` field** | If name or address contains non-Latin characters, provide the transliterated value in the `_en` counterpart field. |
| **Subdivision code validation fails** | |
| **Phone format rejected** | Use E.164 format with country code: `+14155552671`, not `(415) 555-2671`. |
| **Monthly volume rejected** | Provide amount in USD as integer (not cents): `5000` for \$5,000, not `500000`. |
| **Missing document sides** | For `NATIONAL_ID`, `DRIVERS_LICENSE`, and `RESIDENCE_PERMIT`, include both `FRONT` and `BACK` files. |
| **Concurrent attach fails (409)** | Only one attach per customer at a time. Wait for the first to complete before retrying. |
| **Expired identity document** | `expiry_date` must be in the future. Ensure documents are not expired before submitting. |
| **Selfie missing** | If your client requires selfie, include exactly one `SELFIE` entry in `identifying_documents`. |
| **Duplicate file URIs** | File URIs must be unique across the request (SELFIE excluded). Don't reuse the same URI for identity and address docs. |
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