Customers

Everything starts with a customer.

• All customers must be added via APIs.

• Supported and restricted countries are listed separately.

Step-by-Step Customer Creation

1. Create Profile

   • Individual or business

   • Include: basic_info, financial_profile, address, etc.

2. Upload Documents

   • Upload proof documents to the system → returns a data_uri.

3. Attach Documents

   • Attach the data_uri to the customer for verification**.**

4. Check Status

   • Use the Customer Details API to check current status.

   • Customer status will remain Incomplete until all steps are completed.

Static Data Required

• Occupations

• Source of Funds

• Account Purposes

• Industries

• Countries

• Subdivisions

All data must follow the formats defined in these static lists.

Possible statuses:

1. Incomplete

2. Queued

3. Reviewing

4. Reinitiate

5. On-hold

6. Approved

7. Rejected

Status flow:

customer_status flow that is applicable throughout the entire lifecycle of a customer.

3. Customer Verification Structure

Customer profiles are divided into modules:

• basic_info

• address

• financial_profile

• proof_of_identity

• proof_of_address

• ubo_shareholder (for businesses)

• ownership_info (for UBOs/shareholders of a business)

• metadata

Verification does not begin until all required module data is received.

4. Verification Timelines

Individuals

• Sandbox: No real checks. Data consistency is validated.

  • Example: If proof_of_address shows SGP but country_of_residence is USA, the system returns Reinitiate.

• Production: Typically 3–4 minutes if AML, PEP Screening, and Adverse Media checks pass.

Businesses

• Reviewed manually by the compliance team.

• May take up to 1 business day for results or RFIs.