> ## Documentation Index > Fetch the complete documentation index at: https://docs.hifi.com/llms.txt > Use this file to discover all available pages before exploring further. # Update KYC information > Update the user's KYC information. The Update KYC endpoint allows you to add or modify the user's existing KYC data. This is the only endpoint available for making changes to the user's KYC information. HIFI does not provide services to users or businesses from sanctioned and high-risk regions or unsupported US states. See [here](https://docs.hifi.com/docs/compliance/regions) for supported regions. ## OpenAPI ````yaml https://production.hifi.com/api/v2/openapi.json post /v2/users/{userId}/kyc openapi: 3.0.0 info: title: Hifi API version: 2.0.0 description: API documentation for Hifi servers: - url: https://production.hifibridge.com description: Production server - url: https://sandbox.hifibridge.com description: Sandbox server security: - bearerAuth: [] tags: - name: Common description: Common endpoints - name: User description: User endpoints - name: Kyc description: Kyc endpoints - name: Wallet description: Wallet endpoints - name: Account description: Account endpoints - name: External Account description: External Account endpoints for managing beneficiary bank accounts - name: Fiat Account description: Fiat Account endpoints - name: Virtual Account description: Virtual Account endpoints - name: Onramp description: Onramp endpoints - name: Offramp description: Offramp endpoints - name: Orchestration Address description: >- Orchestration Address endpoints — persistent on-chain wallets that automatically off-ramp incoming stablecoin deposits to a USD bank account - name: Crypto Transfer description: Crypto Transfer endpoints - name: Cross-Chain Bridge description: Cross-Chain Bridge endpoints - name: Token Swap description: Token Swap endpoints - name: Canton Offers description: Canton Offers endpoints - name: Transfer Rules description: Transfer approval rules and configuration - name: Transfer Approvals description: Transfer approval workflow and admin actions - name: File description: File endpoints - name: Reporting description: Reporting and metrics endpoints paths: /v2/users/{userId}/kyc: post: tags: - Kyc summary: Update KYC information description: > Update the user's KYC information. The Update KYC endpoint allows you to add or modify the user's existing KYC data. This is the only endpoint available for making changes to the user's KYC information. HIFI does not provide services to users or businesses from sanctioned and high-risk regions or unsupported US states. See [here](https://docs.hifi.com/docs/compliance/regions) for supported regions. parameters: - $ref: '#/components/parameters/UserIdPathParameter' requestBody: $ref: '#/components/requestBodies/KycUpdateBody' responses: '200': $ref: '#/components/responses/KycObjectResponse' '401': $ref: '#/components/responses/UnauthorizedResponse' '404': $ref: '#/components/responses/NotFoundResponse' '500': $ref: '#/components/responses/InternalServerErrorResponse' components: parameters: UserIdPathParameter: name: userId in: path schema: type: string description: ID of the user required: true requestBodies: KycUpdateBody: required: true content: application/json: schema: oneOf: - $ref: '#/components/schemas/IndividualKycUpdate' - $ref: '#/components/schemas/BusinessKycUpdate' responses: KycObjectResponse: description: Success content: application/json: schema: oneOf: - $ref: '#/components/schemas/KycIndividualObject' - $ref: '#/components/schemas/KycBusinessObject' examples: KycObjectIndividualExample: $ref: '#/components/examples/KycObjectIndividualExample' KycObjectBusinessExample: $ref: '#/components/examples/KycObjectBusinessExample' UnauthorizedResponse: description: Unauthorized content: application/json: schema: $ref: '#/components/schemas/Unauthorized' NotFoundResponse: description: Resource not found content: application/json: schema: type: object properties: status: type: string enum: - error error: type: object properties: code: type: string message: type: string InternalServerErrorResponse: description: Internal Server Error content: application/json: schema: $ref: '#/components/schemas/InternalServerError' schemas: IndividualKycUpdate: type: object title: Update Individual User KYC properties: firstName: type: string firstNameLocal: type: string description: first name in local language. middleName: type: string middleNameLocal: type: string description: middle name in local language. lastName: type: string lastNameLocal: type: string description: last name in local language. nationality: type: string description: Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. email: type: string description: E-mail address for compliance-related communications. format: email phone: type: string description: Phone number in E.164 format "+12223334444". address: $ref: '#/components/schemas/Address' type: object description: Address of the user. dateOfBirth: type: string format: date description: Date of birth in format yyyy-mm-dd. countryOfBirth: type: string description: Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. stateOfBirth: type: string description: >- The state, region, district, county or another territorial entity of birth inside a country, if applicable. placeOfBirth: type: string description: >- User place of birth. This can be a city, a town or another settlement type. gender: type: string enum: - M - F country: type: string description: > User country. This is usually a country of the last uploaded ID document, and it may differ from the country of birth. Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. taxIdentificationNumber: type: string description: | Taxpayer identification number that is unique to each taxpayer. For individual US customers, SSN should be used. For business US customers, EIN should be used. taxResidenceCountry: type: string description: Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. ipAddress: type: string description: > IP address of the user. (See [here](https://docs.hifi.com/docs/compliance/regions) for the list of unsupported countries/states.) format: ipv4 govIdType: type: string enum: - PASSPORT - ID_CARD - DRIVERS - RESIDENCE_PERMIT govIdFrontUrl: type: string description: > URL or Base64 encoded string of the front of the user's government issued ID. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif govIdBackUrl: type: string description: > URL or Base64 encoded string of the back of the user's government issued ID. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif govIdCountry: type: string description: > Alpha-3 country code of the provided government id as defined in the ISO 3166-1 spec. Note that the government ID may be different from the 'country' above. govIdNumber: type: string govIdIssuanceDate: type: string format: date description: The issue date of the Gov ID document in format yyyy-mm-dd. govIdExpirationDate: type: string format: date description: | The expiry date of the Gov ID document in format yyyy-mm-dd. govIdIssuanceAuthority: type: string description: Issuing authority of the Gov ID document. govIdHandHoldUrl: type: string description: > URL or Base64 encoded string of image of the user holding their government issued ID next to their face. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif proofOfAddressType: type: string enum: - UTILITY_BILL - BANK_STATEMENT - RENTAL_AGREEMENT - TAX_DOCUMENT proofOfAddressUrl: type: string description: > URL or Base64 encoded string of the file of the proof of address. (See [here](https://docs.hifi.com/docs/compliance/regions) for the list of unsupported countries/states.) *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif sofEuQuestionnaire: $ref: '#/components/schemas/SofEuKycQuestionnaire' type: object title: Source of Funds and Expected Use Questionnaire description: Source of Funds and Expected Use Questionnaire idType: type: string enum: - PASSPORT - ID_CARD - DRIVERS - NIN idNumber: type: string additionalIdType: type: string description: | Required only for "AFRICA_NIGERIA" rail and must be "BVN" type: additionalIdNumber: type: string description: | Required only for "AFRICA_NIGERIA" rail and must be the BVN number. purpose: type: array description: > The purposes for unlocking this rail. Multiple values can be put into an array. Only required for `MULTI_CURRENCY_ACCOUNT` rail. Look up the purpose code [here](https://docs.hifi.com/docs/compliance/references/account-purposes). productServiceCategory: type: string description: > The category of the product or service the user is in. Only required for `MULTI_CURRENCY_ACCOUNT` rail. Look up the product and service category code [here](https://docs.hifi.com/docs/compliance/references/product-service-categories). supplementaryInfo: type: string description: > This field allows the inclusion of additional textual information or context that may be relevant to the KYC process. supplementaryUrl: type: string description: > This field is designed to contain supplementary documents or files that can be uploaded as part of the KYC process. URL or Base64 encoded string of the file of the supplementary information. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif BusinessKycUpdate: type: object title: Update Business User KYC properties: businessName: type: string description: The full legal name of the business. businessNameLocal: type: string description: | The full legal name of the business in the local language. alternativeNames: type: array description: Alternative names of the business. items: type: string businessDescription: type: string businessIndustry: type: string description: >- The industry in which this business operates. Click [here](https://docs.hifi.com/docs/compliance/references/business-industries) for the complete list of valid industries and codes. businessType: type: string description: >- The type of business structure that most closely matches the business customer. enum: - cooperative - s_corporation - b_corporation - c_corporation - close_corporation - nonprofit_corporation - general_partnership - limited_partnership - limited_liability_company - other - sole_proprietorship - trust email: type: string description: Email address for compliance-related communications. format: email phone: type: string description: Phone number in E.164 format "+12223334444". taxIdentificationNumberType: type: string description: Company tax id type enum: - EIN - SSN - VAT - TIN - UTR taxIdentificationNumber: type: string description: Company tax number. US businesses should provide EIN. registrationNumber: type: string description: Business Registration Number. leiNumber: type: string description: > Legal Entity Identifier (LEI) is a 20-character alphanumeric code that uniquely identifies a legal entity participating in financial transactions. LEI is required for businesses based in the European Economic Area (EEA) and Switzerland. formationDate: type: string description: Company formation date. format: date incorporationDate: type: string format: date description: Date of incorporation in format yyyy-mm-dd. incorporationCountry: type: string description: Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. incorporationState: type: string website: type: string address: $ref: '#/components/schemas/Address' type: object description: Company office address. registeredAddress: $ref: '#/components/schemas/Address' type: object description: >- The official registered office address of the business as filed with the relevant authority. postalAddress: $ref: '#/components/schemas/Address' type: object description: Business postal address. ipAddress: type: string description: > IP address of the user. (See [here](https://docs.hifi.com/docs/compliance/regions) for the list of unsupported countries/states.) format: ipv4 sourceOfFunds: type: string description: >- The source of funds for the business, e.g. profits, income, venture capital, etc. transmitsCustomerFunds: type: boolean description: True if the business transmits funds on behalf of its customers. complianceScreeningExplanation: type: string description: > Required if transmitsCustomerFunds is true. An explanation of types of compliance screening (KYC, KYB, or AML) the customer performs before transmitting funds on behalf of its customers. daoStatus: type: boolean description: >- Whether the business is a DAO (Decentralized Autonomous Organization) proofOfAddressType: type: string enum: - UTILITY_BILL - BANK_STATEMENT - RENTAL_AGREEMENT - TAX_DOCUMENT proofOfAddressUrl: type: string description: > URL or Base64 encoded string of the proof of address that ties the owner's name to the provided address. Typically a utility bill or bank statement. Required for businesses registered or operating in the EEA (European Economic Area). Utility bills and bank statements are recommended for proof of address. (See [here](https://docs.hifi.com/docs/compliance/regions) for the list of unsupported countries/states.) *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif formationDocUrl: type: string description: | URL or Base64 encoded string of the formation documentation. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif proofOfOwnershipUrl: type: string description: | URL or Base64 encoded string of the ownership documentation. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif certificateOfRegistrationDocType: type: string description: Type of the certificate of registration doc. enum: - ACRA - GST - MSME - CERTIFICATE_OF_REGISTRATION certificateOfRegistrationDocUrl: type: string description: | URL or Base64 encoded string of the certificate of registration. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif certificateNumber: type: string description: > A unique number that identifies the business. This is usually the number shown on the certificate of registration. businessRegistrationDocUrl: type: string description: > URL or Base64 encoded string of the business registration document. For business based in HKG only. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif licenseExpirationDate: type: string format: date description: Expiry date of company license in format yyyy-mm-dd. certificateOfIncorporationDocUrl: type: string description: > URL or Base64 encoded string of the certificate of incorporation. For business based in HKG only. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif incorporationNumber: type: string description: Certificate of Incorporation Number. controlScheme: type: string shareStructureUrl: type: string description: | URL or Base64 encoded string of of the shareholder structure file. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif constitutionOrAnnualReportUrl: type: string description: > URL or Base64 encoded string of the company constitution or annual report *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif articlesOfAssociationUrl: type: string description: | URL or Base64 encoded string of the articles of association. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif uboDeclarationUrl: type: string description: > URL or Base64 encoded string of the UBO (Ultimate Beneficial Owner) declaration. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif partnershipMinsOfMeetingUrl: type: string description: > URL or Base64 encoded string of the Partnership Meeting Minutes. For PARTNERSHIP business only. *Maximum file size 3MB and minimum file size 10KB *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif partnershipDeedUrl: type: string description: | URL of the Partnership Agreement. For PARTNERSHIP business only. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif certificateOfIncumbencyUrl: type: string description: | URL or Base64 encoded string of the Certificate of Incumbency. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif organizationStructureUrl: type: string description: | URL or Base64 encoded string of the Organization Structure. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif sourceOfFundsUrl: type: string description: | URL or Base64 encoded string of the source of fund document. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif flowOfFundsUrl: type: string description: | URL or Base64 encoded string of the flow of funds document. *Maximum file size 3MB and minimum file size 10KB *If the file is base64 encoded, it must start with "data:" *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif purpose: type: array description: > The purposes for unlocking this rail. Multiple values can be put into an array. Only required for `MULTI_CURRENCY_ACCOUNT` rail. Look up the purpose code [here](https://docs.hifi.com/docs/compliance/references/account-purposes). items: type: string enum: - PAY_SUPPLIERS - PAY_SERVICE_PROVIDERS - GOODS_MERCHANDISE_COMMODITIES - FREELANCERS_CONTRACTORS_PAYROLL - FINANCIAL_SERVICES_LOANS_INVESTMENTS - TAX_REGULATORY_FEES - LEGAL_SERVICES - OPERATIONAL_EXPENSES - SUBSCRIPTIONS - TRAVEL_RELATED_EXPENSES - INSURANCE - ADVERTISING_MARKETING_EXPENSES - EQUIPMENT_MACHINERY - TECHNOLOGY_SERVICES - EDUCATION_RELATED_EXPENSES - TREASURY_PAYMENTS - FX_SERVICES - OTHER - ONLINE_MARKETPLACE_TRADING - OFFLINE_TRADING productServiceCategory: type: string description: > The category of the product or service the user is in. Look up the product and service category code [here](https://docs.hifi.com/docs/compliance/references/product-service-categories). tradeName: type: string description: > Enterprise trading name. This information is only required if the customer’s business `purpose` includes `OFFLINE`. exportCountry: type: string description: > Export country. This information is only required if the customer’s business `purpose` includes `OFFLINE`. tradeType: type: string description: > Trade type. This information is only required if the customer’s business `purpose` includes `OFFLINE`. Look up export item category codes [here](https://docs.hifi.com/docs/compliance/references/export-categories). supplementaryInfo: type: string description: > This field allows the inclusion of additional textual information or context that may be relevant to the KYC process. supplementaryUrl: type: string description: > This field is designed to contain supplementary documents or files that can be uploaded as part of the KYC process. URL or Base64 encoded string of the file of the supplementary information. *If the file is base64 encoded, it must start with "data:" *Maximum file size 3MB and minimum file size 10KB *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif sofEuQuestionnaire: $ref: '#/components/schemas/SofEuKybQuestionnaire' type: object title: Source of Funds and Expected Use Questionnaire description: Source of Funds and Expected Use Questionnaire ultimateBeneficialOwners: type: array description: > List of ultimate beneficial owners (UBOs) of the business. This list will replace any existing UBOs. Note: This field is deprecated and will be removed in the future. To add or update a specific UBO, please use the UBO-specific endpoints instead. deprecated: true items: $ref: '#/components/schemas/UltimateBeneficialOwner' KycIndividualObject: type: object title: KYC Object (Individual) properties: userId: type: string format: uuid kycInfo: type: object properties: type: type: string enum: - individual firstName: type: string firstNameLocal: type: string middleName: type: string middleNameLocal: type: string lastName: type: string lastNameLocal: type: string nationality: type: string email: type: string format: email phone: type: string address: $ref: '#/components/schemas/Address' type: object dateOfBirth: type: string countryOfBirth: type: string stateOfBirth: type: string placeOfBirth: type: string gender: type: string country: type: string taxIdentificationNumber: type: string taxResidenceCountry: type: string govIdType: type: string govIdFrontUrl: type: string govIdBackUrl: type: string govIdCountry: type: string govIdNumber: type: string govIdIssuanceDate: type: string govIdExpirationDate: type: string govIdIssuanceAuthority: type: string govIdHandHoldUrl: type: string proofOfAddressType: type: string proofOfAddressUrl: type: string sofEuQuestionnaire: $ref: '#/components/schemas/SofEuKycQuestionnaire' type: object ipAddress: type: string idType: type: string idNumber: type: string additionalIdType: type: string additionalIdNumber: type: string purpose: type: string productServiceCategory: type: string supplementaryInfo: type: string supplementaryUrl: type: string documents: type: array items: $ref: '#/components/schemas/DocumentObject' KycBusinessObject: type: object title: KYC Object (Business) properties: userId: type: string format: uuid kycInfo: type: object properties: type: type: string enum: - business businessName: type: string businessNameLocal: type: string alternativeNames: type: array items: type: string businessDescription: type: string email: type: string format: email phone: type: string sourceOfFunds: type: string businessType: type: string businessIndustry: type: string website: type: string address: $ref: '#/components/schemas/Address' type: object registeredAddress: $ref: '#/components/schemas/Address' type: object postalAddress: $ref: '#/components/schemas/Address' type: object taxIdentificationNumberType: type: string taxIdentificationNumber: type: string leiNumber: type: string daoStatus: type: boolean transmitsCustomerFunds: type: boolean formationDate: type: string ipAddress: type: string format: ipv4 formationDocUrl: type: string proofOfOwnershipUrl: type: string complianceScreeningExplanation: type: string ultimateBeneficialOwners: type: array items: $ref: '#/components/schemas/UboObject' proofOfAddressType: type: string proofOfAddressUrl: type: string certificateOfRegistrationDocType: type: string certificateOfRegistrationDocUrl: type: string certificateNumber: type: string businessRegistrationDocUrl: type: string registrationNumber: type: string licenseExpirationDate: type: string certificateOfIncorporationDocUrl: type: string incorporationNumber: type: string incorporationDate: type: string incorporationCountry: type: string incorporationState: type: string controlScheme: type: string shareStructureUrl: type: string constitutionOrAnnualReportUrl: type: string articlesOfAssociationUrl: type: string uboDeclarationUrl: type: string partnershipMinsOfMeetingUrl: type: string partnershipDeedUrl: type: string certificateOfIncumbencyUrl: type: string sourceOfFundsUrl: type: string organizationStructureUrl: type: string flowOfFundsUrl: type: string purpose: type: string productServiceCategory: type: string tradeName: type: string exportCountry: type: string tradeType: type: string sofEuQuestionnaire: $ref: '#/components/schemas/SofEuKybQuestionnaire' type: object supplementaryInfo: type: string supplementaryUrl: type: string documents: type: array items: $ref: '#/components/schemas/DocumentObject' Unauthorized: type: object properties: code: type: integer description: Error code error: type: string description: Error type errorDetails: type: string description: Detailed error message InternalServerError: type: object properties: code: type: integer description: Error code error: type: string description: Error type errorDetails: type: string description: Detailed error message Address: type: object properties: addressLine1: type: string addressLine2: type: string city: type: string stateProvinceRegion: type: string description: > The second part of the [ISO 3166-2 subdivision code](https://en.wikipedia.org/wiki/ISO_3166-2). This must be provided if the country has subdivisions. An ISO 3166-2 code consists of two parts, separated by a hyphen (`-`): 1. The first part is the ISO 3166-1 alpha-2 code of the country (e.g., `US`, `CA`, `BR`); 2. The second part is a string of up to three alphanumeric characters representing a specific subdivision (e.g., state, province). This is typically based on national standards or developed by ISO. Only provide the second part of the code (e.g., `CA` for California in `US-CA`, or `SP` for São Paulo in `BR-SP`). postalCode: type: string description: Must be supplied for countries that use postal codes. country: type: string description: >- Three-letter alpha-3 country code as defined in the [ISO 3166-1 spec](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-3). required: - addressLine1 - city - stateProvinceRegion - postalCode - country SofEuKycQuestionnaire: type: object properties: actingAsIntermediary: type: boolean description: Is the customer acting as an intermediary for a third party? employmentStatus: type: string description: What is the customer's current employment status? enum: - employed - homemaker - retired - self_employed - student - unemployed expectedMonthlyPayments: type: string description: >- What is the expected monthly volume of payments the customer will be sending or receiving? enum: - '0_4999' - '5000_9999' - '10000_49999' - 50000_plus mostRecentOccupation: type: string description: > What is the customer's most recent occupation? Specify the relevant alphanumeric occupation code. See the [list](https://docs.hifi.com/docs/compliance/references/occupations) of occupations for the complete list of valid occupations and codes. primaryPurpose: type: string description: What is the primary purpose of the customer's account? enum: - charitable_donations - ecommerce_retail_payments - investment_purposes - operating_a_company - payments_to_friends_or_family_abroad - personal_or_living_expenses - protect_wealth - purchase_goods_and_services - receive_payment_for_freelancing - receive_salary - other primaryPurposeOther: type: string description: Required if the primary purpose is 'other'. sourceOfFunds: type: string description: What is the source of funds for the customer's account? enum: - company_funds - ecommerce_reseller - gambling_proceeds - gifts - government_benefits - inheritance - investments_loans - pension_retirement - salary - sale_of_assets_real_estate - savings - someone_elses_funds SofEuKybQuestionnaire: type: object properties: estimatedAnnualRevenueUsd: type: string description: Estimated annual revenue in USD. enum: - '0_99999' - '100000_999999' - '1000000_9999999' - '10000000_49999999' - '50000000_249999999' - 250000000_plus expectedMonthlyPaymentsUsd: type: string description: Expected monthly payments in USD. operatesInProhibitedCountries: type: boolean deprecated: true primaryPurpose: type: string description: What is the primary purpose of the business account? enum: - charitable_donations - ecommerce_retail_payments - investment_purposes - other - payments_to_friends_or_family_abroad - payroll - personal_or_living_expenses - protect_wealth - purchase_goods_and_services - receive_payments_for_goods_and_services - tax_optimization - third_party_money_transmission - treasury_management primaryPurposeOther: type: string description: Required if the primary purpose is 'other'. highRiskActivities: type: array description: List of high-risk activities the business is involved in. items: type: string enum: - none_of_the_above - adult_entertainment - gambling - hold_client_funds - investment_services - lending_banking - marijuana_or_related_services - money_services - operate_foreign_exchange_virtual_currencies_brokerage_otc - safe_deposit_box_rentals - third_party_payment_processing - weapons_firearms_and_explosives sourceOfFunds: type: string description: What is the source of funds for the business account? enum: - business_loans - grants - inter_company_funds - investment_proceeds - legal_settlement - owners_capital - pension_retirement - sale_of_assets - sales_of_goods_and_services - tax_refund - third_party_funds - treasury_reserves sourceOfFundsDescription: type: string description: Description of the source of funds for the business' account. transmitsCustomerFunds: type: boolean description: > Specifies whether the business directly receives, holds, or sends customer funds to another party on behalf of its users. A value of true means the business is acting as a money transmitter and is subject to money transmission regulations in addition to general money service obligations. transmitsCustomerFundsDescription: type: string description: > Describes whether and how the business actively transmits customer funds. i.e., moves money from one party to another on behalf of a customer (e.g., sending, remitting, or transferring funds). This field should clarify the money-transmission activity performed. customerFundsDescription: type: string description: > Describes the nature of the customer funds handled by the business. This field explains the characteristics of the funds rather than the act of transmitting them. conductsMoneyServices: type: boolean description: > Indicates whether the business is engaged in providing money services as a line of business (e.g., money transmission, currency exchange, or other regulated financial activities). A value of true means the business is considered a Money Services Business (MSB) under applicable regulations and may be subject to AML, KYC, and licensing requirements. UltimateBeneficialOwner: type: object properties: role: type: string deprecated: true description: The role of the ubo in the business. enum: - OWNER_OR_OPERATOR - PARTNER - UBO - DIRECTOR_CONTROL_PERSON_OR_LEGAL_REP - AGENT_OR_AUTHORISED_PERSON roles: type: array description: The roles of the ubo in the business. items: type: string enum: - UBO - DIRECTOR - REPRESENTATIVE - SHAREHOLDER businessTitle: type: string description: Agent or authorised person‘s job title. firstName: type: string description: first name in local language. firstNameLocal: type: string middleName: type: string middleNameLocal: type: string description: middle name in local language. lastName: type: string lastNameLocal: type: string description: last name in local language. nationality: type: string description: Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. email: type: string format: email phone: type: string address: $ref: '#/components/schemas/Address' type: object description: Address of the user. dateOfBirth: type: string format: date description: Date of birth in format yyyy-mm-dd. countryOfBirth: type: string description: Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. stateOfBirth: type: string placeOfBirth: type: string gender: type: string enum: - M - F taxIdentificationNumber: type: string description: >- For US owners, SSN should be used. For non-US individual owners, a national ID is preferred where applicable; however, a tax ID can also be used as an alternative. taxResidenceCountry: type: string description: Three-letter alpha-3 country code as defined in the ISO 3166-1 spec. govIdType: type: string enum: - PASSPORT - ID_CARD - DRIVERS govIdCountry: type: string description: >- Three-letter alpha-3 country code of the submitted government id as defined in the ISO 3166-1 spec. govIdNumber: type: string govIdFrontUrl: type: string description: > URL or Base64 encoded string of the front of the user's government issued ID. *If the file is base64 encoded, it must start with "data:" *Maximum file size 3MB and minimum file size 10KB *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif govIdBackUrl: type: string description: > URL or Base64 encoded string of the back of the user's government issued ID. *If the file is base64 encoded, it must start with "data:" *Maximum file size 3MB and minimum file size 10KB *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif govIdIssuanceDate: type: string format: date description: The issue date of the Gov ID document in format yyyy-mm-dd. govIdExpirationDate: type: string format: date description: The expiry date of the Gov ID document in format yyyy-mm-dd. govIdIssuanceAuthority: type: string description: Issuing authority of the Gov ID document. proofOfAddressType: type: string enum: - UTILITY_BILL - BANK_STATEMENT - RENTAL_AGREEMENT - TAX_DOCUMENT proofOfAddressUrl: type: string description: | URL or Base64 encoded string of the file of the proof of address. *If the file is base64 encoded, it must start with "data:" *Maximum file size 3MB and minimum file size 10KB *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif authLetterUrl: type: string description: > URL or Base64 encoded string of the authorization letter that the authorised person can act on behalf of the business. *If the file is base64 encoded, it must start with "data:" *Maximum file size 3MB and minimum file size 10KB *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif shareProportion: type: number description: > Percentage of shares owned (greater than or equal to 25%), only for UBOs. hasOwnership: type: boolean description: True if the person has at least 25% ownership of the business. hasControl: type: boolean description: >- True if the person has a significant responsibility to control, manage, or direct the activities of the business. At least one of the ultimateBeneficialOwners needs to have this set to true. isSigner: type: boolean description: >- True if the person can authorize transactions on behalf of the business. At least one of the ultimateBeneficialOwners needs to have this set to true. relationshipEstablishedAt: type: string format: date description: >- The date that the ultimateBeneficialOwners first became an owner, control person, or signer for the business in format yyyy-mm-dd. supplementaryInfo: type: string description: > This field allows the inclusion of additional textual information or context that may be relevant to the KYC process. supplementaryUrl: type: string description: > This field is designed to contain supplementary documents or files that can be uploaded as part of the KYC process. URL or Base64 encoded string of the file of the supplementary information. *If the file is base64 encoded, it must start with "data:" *Maximum file size 3MB and minimum file size 10KB *Valid file types: .pdf, .jpeg, .jpg, .png, .heic, .tif DocumentObject: type: object title: Document Object properties: type: type: string subType: type: string issuedCountry: type: string issuedDate: type: string format: date expiryDate: type: string format: date number: type: string description: type: string url: type: string deprecated: true fileId: type: string uboId: type: string UboObject: type: object title: UBO Object allOf: - $ref: '#/components/schemas/UboAdd' UboAdd: type: object title: Add UBO allOf: - $ref: '#/components/schemas/UltimateBeneficialOwner' required: - roles - firstName - lastName examples: KycObjectIndividualExample: summary: KYC Object (Individual) value: userId: 35dbc7ea-2877-4a70-add6-b5458289df23 kycInfo: type: individual firstName: John firstNameLocal: Lil John middleName: null middleNameLocal: null lastName: Doe lastNameLocal: null nationality: USA email: example@gmail.com phone: '+12223334444' address: addressLine1: 123 Main St addressLine2: null city: San Francisco stateProvinceRegion: CA postalCode: '94105' country: USA dateOfBirth: '1990-01-01' countryOfBirth: USA stateOfBirth: NY placeOfBirth: null taxIdentificationNumber: '123456789' taxResidenceCountry: USA govIdType: PASSPORT govIdNumber: '123456789' govIdFrontUrl: https://example.com govIdBackUrl: https://example.com govIdCountry: USA govIdIssuanceDate: '2020-01-01' govIdExpirationDate: '2027-01-01' govIdIssuanceAuthority: null govIdHandHoldUrl: https://example.com proofOfAddressType: UTILITY_BILL proofOfAddressUrl: https://example.com sofEuQuestionnaire: null ipAddress: 108.28.159.21 idType: NIN idNumber: '123456789' additionalIdType: null additionalIdNumber: null purpose: null productServiceCategory: null supplementaryInfo: null supplementaryUrl: null documents: [] KycObjectBusinessExample: summary: KYC Object (Business) value: userId: 35dbc7ea-2877-4a70-add6-b5458289df23 kycInfo: type: business businessName: Example Inc businessNameLocal: null businessDescription: Example business description email: example@example.com phone: '+12223334444' sourceOfFunds: income businessType: s_corporation businessIndustry: '111110' website: example.com address: addressLine1: 123 Main St addressLine2: null city: San Francisco stateProvinceRegion: CA postalCode: '94105' country: USA taxIdentificationNumberType: EIN taxIdentificationNumber: '123456789' leiNumber: null, daoStatus: false transmitsCustomerFunds: false formationDocUrl: https://example.com proofOfOwnershipUrl: https://example.com proofOfAddressType: UTILITY_BILL proofOfAddressUrl: https://example.com formationDate: '2020-01-01' ipAddress: 108.28.159.21 complianceScreeningExplanation: null certificateOfRegistrationDocType: CERTIFICATE_OF_REGISTRATION certificateOfRegistrationDocUrl: https://example.com certificateNumber: '123456789' registrationNumber: '349182744' registeredAddress: addressLine1: 123 Main St addressLine2: null city: San Francisco stateProvinceRegion: CA postalCode: '94105' country: USA postalAddress: addressLine1: 123 Main St addressLine2: null city: San Francisco stateProvinceRegion: CA postalCode: '94105' country: USA alternativeNames: null certificateIncorporationDocUrl: https://example.com incorporationNumber: '123456789' incorporationDate: '2020-01-01' incorporationCountry: USA incorporationState: NY controlScheme: '' businessRegistrationDocUrl: https://example.com licenseExpirationDate: '2027-01-01' productServiceCategory: KC02001001 shareStructureUrl: https://example.com constitutionOrAnnualReportUrl: https://example.com articlesOfAssociationUrl: https://example.com uboDeclarationUrl: https://example.com partnershipMinsOfMeetingUrl: null partnershipDeedUrl: null certificateOfIncumbencyUrl: null flowOfFundsUrl: null sourceOfFundsUrl: null purpose: PAY_SUPPLIERS tradeName: null exportCountry: null tradeType: null supplementaryInfo: null supplementaryUrl: null dueDiligenceForm: null organizationStructureUrl: null sofEuQuestionnaire: primaryPurpose: investment_purposes sourceOfFunds: investment_proceeds highRiskActivities: - none_of_the_above conductsMoneyServices: false transmitsCustomerFunds: false customerFundsDescription: na estimatedAnnualRevenueUsd: '10000000_49999999' expectedMonthlyPaymentsUsd: '100000' operatesInProhibitedCountries: false documents: - id: aafddd61-ed30-48bd-b122-bdc3aed54ac2 type: INCORPORATION_CERT subType: SINGLE_SIDE issuedCountry: USA issuedDate: '2022-01-04T00:00:00+00:00' expiryDate: '2030-01-04T00:00:00+00:00' number: '837473233' url: https://example.com fileID: null description: null uboId: null ultimateBeneficialOwners: - id: 03aef9fa-0e58-4f42-a22f-46de619b42e0 role: OWNER_OR_OPERATOR roles: - UBO - DIRECTOR businessTitle: CEO firstName: John firstNameLocal: John middleName: null middleNameLocal: null lastName: Doe lastNameLocal: John nationality: USA email: example@gmail.com phone: '+12223334444' address: addressLine1: 123 Main St addressLine2: null city: San Francisco stateProvinceRegion: CA postalCode: '94105' country: USA dateOfBirth: '1990-01-01' countryOfBirth: USA stateOfBirth: null placeOfBirth: null gender: M country: USA taxIdentificationNumber: '123456789' taxResidenceCountry: USA ipAddress: null hasOwnership: true hasControl: true isSigner: true relationshipEstablishedAt: '2020-01-01' govIdCountry: USA govIdType: PASSPORT govIdNumber: '123456789' govIdFrontUrl: https://example.com govIdBackUrl: https://example.com govIdIssuanceDate: '2020-01-01' govIdExpirationDate: '2027-01-01' govIdIssuanceAuthority: null proofOfAddressType: UTILITY_BILL proofOfAddressUrl: https://example.com authLetterUrl: https://example.com shareProportion: 25 supplementaryInfo: null supplementaryUrl: null documents: [] securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT ````