Skip to main content
POST
/
business-customers
Create business customer
curl --request POST \
  --url https://api-staging.stablestack.xyz/api/business-customers \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <x-api-key>' \
  --data '
{
  "customer_type": "business",
  "business_name": "Example Enterprises",
  "business_type": "LIMITED_LIABILITY_COMPANY",
  "business_website": "https://example.com",
  "email": "[email protected]",
  "phone": "+14155552671",
  "account_purpose": "OPERATING_A_COMPANY",
  "source_of_funds": "SALES_OF_GOODS_AND_SERVICES",
  "expected_monthly_income": 5000000,
  "industry": "541512",
  "registered_address": {
    "street1": "123 Main St",
    "city": "Lagos",
    "state": "DE",
    "postal_code": "214578",
    "country": "NG",
    "street2": "Suite 456"
  },
  "trading_name": "Example Trading Co",
  "nature_of_business": "Online retail and e-commerce platform specializing in consumer electronics",
  "contact_person_email": "[email protected]",
  "contact_person_phone": "+2347918945669",
  "estimated_annual_revenue_usd": "HUNDRED_THOUSAND_TO_MILLION",
  "operates_in_prohibited_countries": false,
  "is_dao": false,
  "registration_number": "REG123456789",
  "registration_date": "2020-01-15",
  "tax_identification_number": "TIN123456789",
  "phone_country_code": "+234",
  "conducts_money_services": false,
  "account_purpose_explanation": "To facilitate international payments for our e-commerce business and manage supplier relationships",
  "expected_monthly_payments_usd": 10000,
  "business_owners": [
    {
      "first_name": "Jane",
      "last_name": "Smith",
      "email": "[email protected]",
      "phone_number": "+2348918945670",
      "date_of_birth": "1985-03-20",
      "relationship_establishment_date": "2020-01-15",
      "ownership_percentage": 25.5,
      "is_control_person": false,
      "is_signer": false,
      "is_beneficial_owner": false,
      "title": "Chief Executive Officer",
      "address": {
        "street1": "789 Owner Ave",
        "city": "TX",
        "state": "LA",
        "postal_code": "214578",
        "country": "US",
        "street2": "Apt 123"
      },
      "id_number": "ID123456789",
      "nationality": "NG",
      "front_image": "https://example.com/id-front.jpg",
      "supporting_documents": [
        {
          "doc_type": "valid_ids",
          "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
          "doc_country": "NG",
          "sub_type": "front"
        }
      ],
      "back_image": "https://example.com/id-back.jpg"
    }
  ],
  "documents": [
    {
      "doc_type": "valid_ids",
      "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
      "doc_country": "NG",
      "sub_type": "front"
    }
  ]
}
'
{
  "status": "success",
  "data": {
    "id": "e927caad-9576-40d8-b87d-ace687afa82a",
    "customer_type": "business",
    "email": "[email protected]",
    "phone": "+2347918945668",
    "created_at": "2025-05-09T16:33:21.902Z",
    "updated_at": "2025-05-09T16:33:21.902Z",
    "status": "active",
    "address": {
      "street1": "123 Main St",
      "city": "Lagos",
      "state": "DE",
      "postal_code": "214578",
      "country": "NG",
      "street2": "Suite 456"
    },
    "financial_info": {
      "account_purpose": "business operations",
      "expected_monthly_income": "5000000.00",
      "source_of_funds": "business revenue"
    },
    "business_info": {
      "business_name": "Example Enterprises",
      "business_type": "Retail",
      "business_website": "https://example.com"
    }
  }
}
Creates a new business customer account with comprehensive KYC processing.

​
Key Features:

  • Comprehensive business information collection
  • Business-specific validation rules
  • Email and phone uniqueness validation
  • Support for business owners/associated persons
  • Document upload for compliance
  • Returns complete business profile with financial info

​
Request Body:

{
  "customer_type": "business",
  "business_name": "Akande Enterprises",
  "business_type": "LIMITED_LIABILITY_COMPANY",
  "business_website": "https://akandeyu.com",
  "email": "[email protected]",
  "phone": "+2347918905668",
  "account_purpose": "OPERATING_A_COMPANY",
  "source_of_funds": "SALES_OF_GOODS_AND_SERVICES",
  "expected_monthly_income": 5000000,
  "trading_name": "Akande Trading Co",
  "nature_of_business": "Retail and e-commerce operations",
  "industry": "541512",
  "contact_person_email": "[email protected]",
  "contact_person_phone": "+2347918905669",
  "registered_address": {
    "street1": "456 Corporate Plaza",
    "street2": "Floor 5",
    "city": "Lagos",
    "state": "LA",
    "postal_code": "214578",
    "country": "NG"
  },
  "estimated_annual_revenue_usd": "HUNDRED_THOUSAND_TO_MILLION",
  "operates_in_prohibited_countries": false,
  "is_dao": false,
  "conducts_money_services": false,
  "registration_number": "REG123456789",
  "registration_date": "2020-01-15",
  "tax_identification_number": "TIN123456789",
  "phone_country_code": "+234",
  "account_purpose_explanation": "To facilitate international payments for our e-commerce business and manage supplier payments",
  "expected_monthly_payments_usd": 10000,
  "business_owners": [
    {
      "first_name": "Adebayo",
      "last_name": "Akande",
      "email": "[email protected]",
      "phone_number": "+2347918905670",
      "date_of_birth": "1985-03-20",
      "relationship_establishment_date": "2020-01-15",
      "ownership_percentage": 60,
      "is_control_person": true,
      "is_signer": true,
      "is_beneficial_owner": true,
      "title": "Chief Executive Officer",
      "address": {
        "street1": "789 Owner Ave",
        "street2": "Apt 123",
        "city": "Lagos",
        "state": "LA",
        "postal_code": "214578",
        "country": "NG"
      },
      "id_number": "ID123456789",
      "nationality": "NG",
      "front_image": "https://example.com/id-front.jpg",
      "supporting_documents": [
        {
          "doc_type": "IDENTITY_DOCUMENT",
          "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
          "doc_country": "NG"
        },
        {
          "doc_type": "PROOF_OF_ADDRESS",
          "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
          "doc_country": "NG"
        }
      ]
    }
  ],
  "documents": [
    {
      "doc_type": "BUSINESS_FORMATION",
      "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
      "doc_country": "NG"
    },
    {
      "doc_type": "PROOF_OF_TAX_IDENTIFICATION",
      "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
      "doc_country": "NG",
      "sub_type":""
    }
  ]
}

​
Enhanced Business Fields:

  • trading_name: Trading or DBA name if different from legal name
  • nature_of_business: Description of business activities
  • industry: Industry classification (use NAICS codes like “541512” for Computer Systems Design)
  • contact_person_email: Contact person email address
  • contact_person_phone: Contact person phone number
  • registered_address: Official registered business address
  • estimated_annual_revenue_usd: Estimated annual revenue range in USD (enum values: “UNDER_HUNDRED_THOUSAND”, “HUNDRED_THOUSAND_TO_MILLION”, “MILLION_TO_TEN_MILLION”, “TEN_MILLION_TO_FIFTY_MILLION”, “FIFTY_MILLION_TO_HUNDRED_MILLION”, “OVER_HUNDRED_MILLION”)
  • operates_in_prohibited_countries: Whether business operates in prohibited countries
  • is_dao: Whether the business is a DAO
  • conducts_money_services: Whether the business conducts money services activities (e.g., money transmission, currency exchange, payment processing)
  • registration_number: Business registration number
  • registration_date: Business registration date
  • business_owners: Array of business owners/associated persons
  • supporting_documents: Array of additional supporting documents for business owners (identity documents, proof of address, etc.)
  • documents: Array of supporting documents for KYC

​
Business Owners Array:

Each business owner object should include personal information, ownership details, and identification documents for compliance purposes. The supporting_documents field within each business owner allows for additional documentation beyond the primary front_image identification.
Required Supporting Documents:For Business Documents:
  • BUSINESS_FORMATION (incorporation certificate)
  • OWNERSHIP_INFORMATION (articles of incorporation)
  • BANK_STATEMENT (business bank statement)
For Business Owners:
  • PROOF_OF_ADDRESS (e.g., utility bill, bank statement, etc.)

​
Document Requirements:

Common document types for business customers:
  • BUSINESS_FORMATION (incorporation certificate)
  • PROOF_OF_TAX_IDENTIFICATION (tax certificate)
  • REGULATORY_LICENSE_REGISTRATION (business license)
  • PROOF_OF_NATURE_OF_BUSINESS (memorandum of association)
  • OWNERSHIP_INFORMATION (articles of incorporation)

Headers

​
x-api-key
string
required

Body

application/json

Create a new business customer account

​
customer_type
enum<string>
default:business
required
Available options:
business
​
business_name
string
required

Legal name of the business

Example:

"Example Enterprises"

​
business_type
enum<string>
required

Legal structure of the business

Available options:
B_CORPORATION,
C_CORPORATION,
S_CORPORATION,
CLOSE_CORPORATION,
COOPERATIVE,
GENERAL_PARTNERSHIP,
LIMITED_PARTNERSHIP,
LIMITED_LIABILITY_PARTNERSHIP,
LIMITED_LIABILITY_COMPANY,
NONPROFIT_CORPORATION,
SOLE_PROPRIETORSHIP,
TRUST,
NON_US
Example:

"LIMITED_LIABILITY_COMPANY"

​
business_website
string<uri>
required

Business website URL (Recommended)

Example:

"https://example.com"

​
email
string<email>
required

Business email address

Example:

"[email protected]"

​
phone
string
required

Business phone number with country code e.g +14155552671

Example:

"+14155552671"

​
account_purpose
enum<string>
required

Primary purpose for using the account

Available options:
CHARITABLE_DONATIONS,
ECOMMERCE_RETAIL_PAYMENTS,
INVESTMENT_PURPOSES,
OPERATING_A_COMPANY,
PAYMENTS_TO_FRIENDS_OR_FAMILY_ABROAD,
OTHER,
PERSONAL_OR_LIVING_EXPENSES,
PROTECT_WEALTH,
PURCHASE_GOODS_AND_SERVICES,
RECEIVE_PAYMENT_FOR_FREELANCING,
RECEIVE_SALARY
Example:

"OPERATING_A_COMPANY"

​
source_of_funds
enum<string>
required

Primary source of funds for the business

Available options:
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,
ASSETS_SALE,
BUSINESS_INCOME,
CASH_DEPOSITS,
COMPANY_FUNDS,
ECOMMERCE_RESELLER,
GAMBLING_PROCEEDS,
GIFTS,
GOVERNMENT_BENEFITS,
INHERITANCE,
INVESTMENTS_LOANS,
SALARY,
SALE_OF_ASSETS_REAL_ESTATE,
SAVINGS,
SOMEONE_ELSES_FUNDS
Example:

"SALES_OF_GOODS_AND_SERVICES"

​
expected_monthly_income
number
required

Expected monthly income in local currency

Required range: x >= 0
Example:

5000000

​
industry
enum<string>
required

Industry classification based on NAICS codes - use the code value for API requests

Available options:
111120,
111219,
111336,
111421,
111998,
112111,
112210,
112310,
112410,
112519,
112990,
113110,
113210,
113310,
114119,
114210,
115113,
115210,
115310,
211130,
212114,
212290,
212390,
213113,
221122,
221210,
221320,
236118,
236210,
237130,
237210,
237310,
237990,
238191,
238211,
238391,
238991,
311119,
311212,
311314,
311422,
311511,
311612,
311710,
311811,
311999,
312111,
312230,
313110,
313240,
313310,
314120,
314999,
315120,
315250,
315990,
316110,
316210,
316990,
321113,
321211,
321918,
322120,
322299,
323120,
324110,
325180,
325220,
325320,
325412,
325510,
325611,
325998,
326111,
326220,
327120,
327212,
327310,
327410,
327999,
331110,
331210,
331313,
331410,
331511,
332111,
332215,
332311,
332410,
332510,
332613,
332710,
332812,
332999,
333111,
333248,
333310,
333413,
333517,
333611,
333618,
334118,
334210,
334310,
334413,
334511,
334610,
335131,
335220,
335311,
335999,
336110,
336211,
336390,
336412,
336510,
336611,
336999,
337122,
337214,
337920,
339112,
339999,
423120,
423220,
423310,
423490,
423520,
423620,
423710,
423840,
423990,
424110,
424210,
424310,
424490,
424590,
424690,
424720,
424820,
424990,
425120,
441110,
441227,
441330,
449110,
449129,
449210,
444180,
444240,
445110,
445298,
445320,
456110,
457110,
458110,
458210,
458320,
459120,
459210,
455110,
455219,
459310,
459410,
459510,
459999,
454113,
445132,
454390,
481111,
481211,
482111,
483112,
483212,
484110,
484220,
485119,
485210,
485310,
485410,
485510,
485999,
486110,
486210,
486990,
487110,
487210,
487990,
488190,
488210,
488390,
488490,
488510,
488999,
492110,
492210,
493190,
513130,
513210,
512199,
512290,
516120,
515210,
517111,
517112,
517410,
517810,
518210,
519290,
521110,
522130,
522298,
522390,
523150,
523210,
523999,
524128,
524298,
525190,
525910,
531190,
531210,
531390,
532111,
532289,
532310,
532490,
533110,
541199,
541213,
541310,
541490,
541512,
541618,
541720,
541810,
541690,
551114,
561110,
561210,
561311,
561499,
561599,
561611,
561790,
561990,
562111,
562211,
562998,
611110,
611210,
611310,
611420,
611519,
611699,
611710,
621111,
621210,
621399,
621498,
621511,
621610,
621999,
622110,
622210,
622310,
623110,
623210,
623311,
623990,
624190,
624230,
624310,
624410,
711190,
711219,
711310,
711410,
711510,
712120,
713110,
713290,
713990,
721199,
721211,
721310,
722310,
722410,
722511,
811198,
811210,
811310,
811411,
812199,
812210,
812320,
812990,
813110,
813211,
813319,
813410,
813930,
814110,
921140,
922190,
923130,
924110,
925120,
926110,
927110,
928110
Example:

"541512"

​
registered_address
object
required

Address information (used for both individual and business customers)

​
trading_name
string
required

Trading or DBA name if different from legal name

Example:

"Example Trading Co"

​
nature_of_business
string
required

Detailed description of business activities

Maximum string length: 500
Example:

"Online retail and e-commerce platform specializing in consumer electronics"

​
contact_person_email
string<email>
required

Contact person email address

Example:

"[email protected]"

​
contact_person_phone
string
required

Contact person phone number

Example:

"+2347918945669"

​
estimated_annual_revenue_usd
enum<string>
required

Estimated annual revenue range in USD

Available options:
UNDER_HUNDRED_THOUSAND,
HUNDRED_THOUSAND_TO_MILLION,
MILLION_TO_TEN_MILLION,
TEN_MILLION_TO_FIFTY_MILLION,
FIFTY_MILLION_TO_HUNDRED_MILLION,
OVER_HUNDRED_MILLION
Example:

"HUNDRED_THOUSAND_TO_MILLION"

​
operates_in_prohibited_countries
boolean
default:false
required

Whether business operates in prohibited countries

​
is_dao
boolean
default:false
required

Whether the business is a DAO (Decentralized Autonomous Organization)

​
registration_number
string
required

Business registration number

Example:

"REG123456789"

​
registration_date
string<date>
required

Business registration date

Example:

"2020-01-15"

​
tax_identification_number
string
required

Tax identification number

Example:

"TIN123456789"

​
phone_country_code
string
required

Country code for phone number

Example:

"+234"

​
conducts_money_services
boolean
default:false
required

Whether the business conducts money services activities (e.g., money transmission, currency exchange, payment processing)

​
account_purpose_explanation
string
required

Detailed explanation of account purpose

Maximum string length: 1000
Example:

"To facilitate international payments for our e-commerce business and manage supplier relationships"

​
expected_monthly_payments_usd
number
required

Expected monthly payments in USD

Required range: x >= 0
Example:

10000

​
business_owners
object[]
required

Array of business owners/associated persons (required for certain business types)

​
documents
object[]
required

Array of supporting documents for KYC verification

Response

201 - application/json

Created

​
status
string
Example:

"success"

​
data
object