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": "contact@example.com",
  "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",
    "street2": "Suite 456",
    "city": "Lagos",
    "state": "DE",
    "postal_code": "214578",
    "country": "NG"
  },
  "trading_name": "Example Trading Co",
  "nature_of_business": "Online retail and e-commerce platform specializing in consumer electronics",
  "contact_person_email": "ceo@example.com",
  "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": "jane.smith@example.com",
      "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",
        "street2": "Apt 123",
        "city": "TX",
        "state": "LA",
        "postal_code": "214578",
        "country": "US"
      },
      "id_number": "ID123456789",
      "nationality": "NG",
      "front_image": "https://example.com/id-front.jpg",
      "back_image": "https://example.com/id-back.jpg",
      "supporting_documents": [
        {
          "doc_type": "valid_ids",
          "sub_type": "front",
          "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
          "doc_country": "NG"
        }
      ]
    }
  ],
  "documents": [
    {
      "doc_type": "valid_ids",
      "sub_type": "front",
      "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
      "doc_country": "NG"
    }
  ]
}'
{
  "status": "success",
  "data": {
    "id": "e927caad-9576-40d8-b87d-ace687afa82a",
    "customer_type": "business",
    "email": "contact@example.com",
    "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",
      "street2": "Suite 456",
      "city": "Lagos",
      "state": "DE",
      "postal_code": "214578",
      "country": "NG"
    },
    "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": "contact@akandeyu.com",
  "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": "ceo@akandeyu.com",
  "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": "adebayo@akandeyu.com",
      "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

The body is of type object.

Response

201 - application/json

Created

The response is of type object.