Create Individual

Creates a new individual customer account with comprehensive KYC processing.

Key Features:

Comprehensive personal information collection
Individual-specific validation rules
Email and phone uniqueness validation
Document upload for compliance
Returns complete personal profile with financial info

Request Body:

{
  "customer_type": "individual",
  "first_name": "john",
  "middle_name": "Oluwaseun",
  "last_name": "ola",
  "email": "[email protected]",
  "phone": "+2348918945668",
  "birth_date": "1990-01-15",
  "account_purpose": "PERSONAL_OR_LIVING_EXPENSES",
  "employment_status": "EMPLOYED",
  "expected_monthly_income": 500000,
  "most_recent_occupation": "151211",
  "source_of_funds": "SALARY",
  "phone_country_code": "+234",
  "account_purpose_explanation": "To save money for future investments and handle personal transactions",
  "expected_monthly_payments_usd": 1000,
  "acting_as_intermediary": false,
  "tax_identification_number": "TIN987654321",
  "user_documents": [
    {
      "doc_type": "valid_ids",
      "sub_type": "front",
      "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
      "doc_country": "NG"
    },
    {
      "doc_type": "utility_bill",
      "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...",
      "doc_country": "NG"
    }
  ]
}

Enhanced Individual Fields:

phone_country_code: Country code for phone number
account_purpose_explanation: Detailed explanation of account purpose
expected_monthly_payments_usd: Expected monthly payments in USD
acting_as_intermediary: Whether acting as an intermediary for third parties
tax_identification_number: Tax identification number
most_recent_occupation: SOC occupation code (e.g., “151211” for Computer Systems Analyst)
documents: Array of supporting documents for KYC

Document Requirements:

Common document types for individual customers:

valid_ids (passport, driver’s license, national ID)
utility_bill (proof of address)
BANK_STATEMENT
PROOF_OF_ADDRESS
OTHER (additional supporting documents)

Validation Notes:

All monetary amounts can be provided in local currency
Phone numbers should include country codes
Document images can be provided as base64 strings or URLs
Address information is required for compliance

Headers

x-api-key

string

required

Body

application/json

Create a new individual customer account

customer_type

enum<string>

default:individual

required

Available options:

individual

first_name

string

required

First name of the individual

Required string length: 1 - 50

Example:

"John"

last_name

string

required

Last name of the individual

Required string length: 1 - 50

Example:

"Ola"

string<email>

required

Email address of the individual

Example:

"[email protected]"

phone

string

required

Phone number with country code

Example:

"+2348918945668"

birth_date

string<date>

required

Date of birth (must be 18+ years old)

Example:

"1990-01-15"

account_purpose

enum<string>

required

Primary purpose for using the account

Available options:

CHARITABLE_DONATIONS,

ECOMMERCE_RETAIL_PAYMENTS,

INVESTMENT_PURPOSES,

PAYMENTS_TO_FRIENDS_OR_FAMILY_ABROAD,

OTHER,

PAYROLL,

PERSONAL_OR_LIVING_EXPENSES,

PROTECT_WEALTH,

PURCHASE_GOODS_AND_SERVICES,

RECEIVE_PAYMENT_FOR_FREELANCING,

RECEIVE_SALARY,

TAX_OPTIMIZATION,

THIRD_PARTY_MONEY_TRANSMISSION,

TREASURY_MANAGEMENT

Example:

"PERSONAL_OR_LIVING_EXPENSES"

employment_status

enum<string>

required

Current employment status

Available options:

EMPLOYED,

SELF_EMPLOYED,

UNEMPLOYED,

STUDENT,

RETIRED,

OTHER

Example:

"EMPLOYED"

expected_monthly_income

number

required

Expected monthly income in local currency

Required range: x >= 0

Example:

500000

most_recent_occupation

enum<string>

required

Most recent occupation based on SOC codes - use the code value for API requests

Available options:

132011,

272011,

152011,

291291,

519191,

113012,

112011,

413011,

172011,

131011,

194010,

191010,

172021,

452011,

532020,

493011,

532010,

512011,

533011,

452021,

392021,

339011,

392011,

171011,

173011,

119041,

254010,

271010,

192010,

272021,

192021,

291181,

492097,

493021,

493022,

493023,

492091,

396010,

333011,

513011,

395011,

353011,

433011,

433021,

172031,

191020,

194021,

472011,

433031,

472020,

273011,

274010,

434011,

132031,

493031,

131199,

513020,

131021,

517011,

292031,

435011,

472031,

472040,

412010,

472050,

351011,

172041,

519010,

194031,

192030,

111011,

211021,

399011,

291011,

172051,

131030,

537061,

212011,

193033,

292010,

272022,

499091,

271021,

499092,

432099,

113111,

131141,

131041,

151221,

113021,

172061,

151241,

519160,

151299,

151251,

151230,

151211,

492011,

191030,

474011,

472070,

472061,

119021,

499010,

5370XX,

352010,

333012,

434021,

131051,

211019,

412021,

435021,

273092,

434031,

537021,

132041,

434041,

132070,

339091,

519020,

434051,

519030,

514031,

272030,

439021,

15124X,

519080,

319091,

291292,

291020,

475010,

439031,

333021,

292032,

29205X,

291031,

359011,

212021,

272091,

359021,

435032,

419091,

533030,

472080,

475023,

193011,

273041,

119030,

211012,

492092,

173023,

172070,

492093,

49209X,

499051,

512020,

472111,

492096,

252020,

474021,

434061,

3940XX,

119161,

292042,

291214,

512031,

172199,

272099,

119070,

172081,

194040,

192041,

519194,

475022,

436011,

291128,

399031,

475032,

519041,

113013,

119013,

271022,

353023,

474031,

434071,

132051,

433099,

132061,

113031,

332020,

332011,

552010,

471011,

331011,

451011,

331021,

351012,

371011,

371012,

491011,

411012,

431011,

331012,

511011,

331099,

411011,

331091,

333031,

453031,

532031,

271023,

513091,

513092,

513093,

359099,

352021,

513099,

353041,

119051,

454011,

514020,

131131,

119171,

519051,

517021,

433041,

393010,

111021,

19204X,

472121,

452041,

271024,

514033,

395012,

474041,

291299,

211022,

499021,

493040,

499098,

519198,

473010,

474051,

499031,

311121,

359031,

434081,

434161,

113121,

131070,

49904X,

172110,

113051,

537051,

434199,

151212,

519061,

472130,

439041,

413021,

132053,

271025,

273091,

434111,

37201X,

519071,

231020,

231012,

537062,

171012,

373011,

516011,

231011,

436012,

232099,

111031,

254022,

434121,

254031,

292061,

191099,

434131,

499094,

534010,

119081,

454020,

131081,

537063,

514041,

292035,

372012,

439051,

499071,

499043,

131111,

119199,

395092,

499095,

172121,

131161,

112021,

211013,

319011,

172131,

152021,

172141,

274099,

273099,

119111,

319092,

292072,

191040,

436013,

319094,

131121,

211023,

211014,

271026,

514050,

435041,

553010,

551010,

554010,

499044,

172151,

452090,

474090,

292090,

518090,

193090,

493090,

514060,

419010,

514070,

519195,

394031,

533099,

272041,

272042,

119121,

151244,

434141,

273023,

172161,

29203X,

194051,

291151,

291161,

291171,

311131,

195010,

291122,

312010,

439199,

439061,

439071,

152031,

292081,

291041,

434151,

31113X,

5120XX,

21109X,

27102X,

17301X,

2590XX,

17302X,

3930XX,

4750XX,

1320XX,

37301X,

299000,

31909X,

49909X,

1940XX

Example:

"151211"

source_of_funds

enum<string>

required

Primary source of funds

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:

"SALARY"

registered_address

object

required

Address information (used for both individual and business customers)

Show child attributes

registered_address.street1

string

required

Primary address line

Required string length: 1 - 100

Example:

"123 Main St"

registered_address.city

string

required

City name

Required string length: 1 - 50

Example:

"Lagos"

registered_address.state

string

required

State or province code with country prefix (e.g., DE for Delware, LA for Lagos)

Required string length: 1 - 50

Example:

"DE"

registered_address.postal_code

string

required

Postal or ZIP code

Required string length: 1 - 20

Example:

"214578"

registered_address.country

enum<string>

required

ISO 3166-1 alpha-2 country code

Available options:

AF,

AL,

DZ,

AD,

AO,

AG,

AR,

AM,

AU,

AT,

AZ,

BS,

BH,

BD,

BB,

BY,

BE,

BZ,

BJ,

BT,

BO,

BA,

BW,

BR,

BN,

BG,

BF,

BI,

CV,

KH,

CM,

CA,

CF,

TD,

CL,

CN,

CO,

KM,

CG,

CR,

HR,

CU,

CY,

CZ,

CD,

DK,

DJ,

DM,

DO,

EC,

EG,

SV,

GQ,

ER,

EE,

SZ,

ET,

FJ,

FI,

FR,

GA,

GM,

GE,

DE,

GH,

GR,

GD,

GT,

GN,

GW,

GY,

HT,

HN,

HU,

IS,

IN,

ID,

IR,

IQ,

IE,

IL,

IT,

JM,

JP,

JO,

KZ,

KE,

KI,

KW,

KG,

LA,

LV,

LB,

LS,

LR,

LY,

LI,

LT,

LU,

MG,

MW,

MY,

MV,

ML,

MT,

MH,

MR,

MU,

MX,

FM,

MD,

MC,

MN,

ME,

MA,

MZ,

MM,

NA,

NR,

NP,

NL,

NZ,

NI,

NE,

NG,

KP,

MK,

NO,

OM,

PK,

PW,

PS,

PA,

PG,

PY,

PE,

PH,

PL,

PT,

QA,

RO,

RU,

RW,

KN,

LC,

VC,

WS,

SM,

ST,

SA,

SN,

RS,

SC,

SL,

SG,

SK,

SI,

SB,

SO,

ZA,

KR,

SS,

ES,

LK,

SD,

SR,

SE,

CH,

SY,

TW,

TJ,

TZ,

TH,

TL,

TG,

TO,

TT,

TN,

TR,

TM,

TV,

UG,

UA,

AE,

GB,

US,

UY,

UZ,

VU,

VA,

VE,

VN,

YE,

ZM,

ZW

Example:

"NG"

registered_address.street2

string

Secondary address line (optional)

Maximum string length: 100

Example:

"Suite 456"

middle_name

string

Middle name of the individual (optional)

Maximum string length: 50

Example:

"Oluwaseun"

phone_country_code

string

Country code for phone number

Example:

"+234"

account_purpose_explanation

string

Detailed explanation of account purpose

Maximum string length: 1000

Example:

"To save money for future investments and handle personal international transactions"

expected_monthly_payments_usd

number

Expected monthly payments in USD

Required range: x >= 0

Example:

1000

acting_as_intermediary

boolean

default:false

Whether acting as an intermediary for third parties

tax_identification_number

string

Tax identification number (optional)

Example:

"TIN987654321"

documents

object[]

Array of supporting documents for KYC verification

Show child attributes

documents.doc_type

enum<string>

required

Type of document being submitted - supports both individual and business KYC requirements

Available options:

AML_COMFORT_LETTER,

BUSINESS_FORMATION,

DIRECTORS_REGISTRY,

E_SIGNATURE_CERTIFICATE,

EVIDENCE_OF_GOOD_STANDING,

FLOW_OF_FUNDS,

MARKETING_MATERIALS,

OWNERSHIP_CHART,

OWNERSHIP_INFORMATION,

PROOF_OF_ACCOUNT_PURPOSE,

BANK_STATEMENT,

PROOF_OF_ADDRESS,

PROOF_OF_INDIVIDUAL_NAME_CHANGE,

PROOF_OF_ENTITY_NAME_CHANGE,

PROOF_OF_NATURE_OF_BUSINESS,

PROOF_OF_RELATIONSHIP,

PROOF_OF_SIGNATORY_AUTHORITY,

PROOF_OF_SOURCE_OF_FUNDS,

PROOF_OF_SOURCE_OF_WEALTH,

PROOF_OF_TAX_IDENTIFICATION,

LIVENESS_CHECK,

SELFIE,

SHAREHOLDER_REGISTER,

OTHER

Example:

"valid_ids"

documents.doc_image

string<byte>

required

Base64 encoded image data or URL to document image

Example:

"data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ..."

documents.doc_country

enum<string>

required

ISO 3166-1 alpha-2 country code where document was issued

Available options:

AF,

AL,

DZ,

AD,

AO,

AG,

AR,

AM,

AU,

AT,

AZ,

BS,

BH,

BD,

BB,

BY,

BE,

BZ,

BJ,

BT,

BO,

BA,

BW,

BR,

BN,

BG,

BF,

BI,

CV,

KH,

CM,

CA,

CF,

TD,

CL,

CN,

CO,

KM,

CG,

CR,

HR,

CU,

CY,

CZ,

CD,

DK,

DJ,

DM,

DO,

EC,

EG,

SV,

GQ,

ER,

EE,

SZ,

ET,

FJ,

FI,

FR,

GA,

GM,

GE,

DE,

GH,

GR,

GD,

GT,

GN,

GW,

GY,

HT,

HN,

HU,

IS,

IN,

ID,

IR,

IQ,

IE,

IL,

IT,

JM,

JP,

JO,

KZ,

KE,

KI,

KW,

KG,

LA,

LV,

LB,

LS,

LR,

LY,

LI,

LT,

LU,

MG,

MW,

MY,

MV,

ML,

MT,

MH,

MR,

MU,

MX,

FM,

MD,

MC,

MN,

ME,

MA,

MZ,

MM,

NA,

NR,

NP,

NL,

NZ,

NI,

NE,

NG,

KP,

MK,

NO,

OM,

PK,

PW,

PS,

PA,

PG,

PY,

PE,

PH,

PL,

PT,

QA,

RO,

RU,

RW,

KN,

LC,

VC,

WS,

SM,

ST,

SA,

SN,

RS,

SC,

SL,

SG,

SK,

SI,

SB,

SO,

ZA,

KR,

SS,

ES,

LK,

SD,

SR,

SE,

CH,

SY,

TW,

TJ,

TZ,

TH,

TL,

TG,

TO,

TT,

TN,

TR,

TM,

TV,

UG,

UA,

AE,

GB,

US,

UY,

UZ,

VU,

VA,

VE,

VN,

YE,

ZM,

ZW

Example:

"NG"

documents.sub_type

enum<string>

Sub-type of document if applicable (e.g., front/back of ID)

Available options:

UTILITY_BILL,

BANK_STATEMENT,

TAX_DOCUMENT,

GOVERNMENT_CORRESPONDENCE,

RENTAL_AGREEMENT

Example:

"front"

Response

201 - application/json

Created

status

string

Example:

"success"

data

object

Show child attributes

data.id

string<uuid>

Example:

"11a3c37f-06bb-4e7c-9813-0e47d47e9e2d"

data.customer_type

string

Example:

"individual"

data.email

string

Example:

"[email protected]"

data.phone

string

Example:

"+2348918945668"

data.created_at

string<date-time>

Example:

"2025-05-09T16:33:57.844Z"

data.updated_at

string<date-time>

Example:

"2025-05-09T16:33:57.844Z"

data.status

string

Example:

"active"

data.address

object

Address information (used for both individual and business customers)

Show child attributes

data.address.street1

string

required

Primary address line

Required string length: 1 - 100

Example:

"123 Main St"

data.address.city

string

required

City name

Required string length: 1 - 50

Example:

"Lagos"

data.address.state

string

required

State or province code with country prefix (e.g., DE for Delware, LA for Lagos)

Required string length: 1 - 50

Example:

"DE"

data.address.postal_code

string

required

Postal or ZIP code

Required string length: 1 - 20

Example:

"214578"

data.address.country

enum<string>

required

ISO 3166-1 alpha-2 country code

Available options:

AF,

AL,

DZ,

AD,

AO,

AG,

AR,

AM,

AU,

AT,

AZ,

BS,

BH,

BD,

BB,

BY,

BE,

BZ,

BJ,

BT,

BO,

BA,

BW,

BR,

BN,

BG,

BF,

BI,

CV,

KH,

CM,

CA,

CF,

TD,

CL,

CN,

CO,

KM,

CG,

CR,

HR,

CU,

CY,

CZ,

CD,

DK,

DJ,

DM,

DO,

EC,

EG,

SV,

GQ,

ER,

EE,

SZ,

ET,

FJ,

FI,

FR,

GA,

GM,

GE,

DE,

GH,

GR,

GD,

GT,

GN,

GW,

GY,

HT,

HN,

HU,

IS,

IN,

ID,

IR,

IQ,

IE,

IL,

IT,

JM,

JP,

JO,

KZ,

KE,

KI,

KW,

KG,

LA,

LV,

LB,

LS,

LR,

LY,

LI,

LT,

LU,

MG,

MW,

MY,

MV,

ML,

MT,

MH,

MR,

MU,

MX,

FM,

MD,

MC,

MN,

ME,

MA,

MZ,

MM,

NA,

NR,

NP,

NL,

NZ,

NI,

NE,

NG,

KP,

MK,

NO,

OM,

PK,

PW,

PS,

PA,

PG,

PY,

PE,

PH,

PL,

PT,

QA,

RO,

RU,

RW,

KN,

LC,

VC,

WS,

SM,

ST,

SA,

SN,

RS,

SC,

SL,

SG,

SK,

SI,

SB,

SO,

ZA,

KR,

SS,

ES,

LK,

SD,

SR,

SE,

CH,

SY,

TW,

TJ,

TZ,

TH,

TL,

TG,

TO,

TT,

TN,

TR,

TM,

TV,

UG,

UA,

AE,

GB,

US,

UY,

UZ,

VU,

VA,

VE,

VN,

YE,

ZM,

ZW

Example:

"NG"

data.address.street2

string

Secondary address line (optional)

Maximum string length: 100

Example:

"Suite 456"

data.personal_info

object

Show child attributes

data.personal_info.first_name

string

Example:

"john"

data.personal_info.middle_name

string

Example:

"Oluwaseun"

data.personal_info.last_name

string

Example:

"ola"

data.personal_info.birth_date

string<date-time>

Example:

"1990-01-14T23:00:00.000Z"

data.financial_info

object

Show child attributes

data.financial_info.account_purpose

string

Example:

"personal savings"

data.financial_info.employment_status

string

Example:

"employed"

data.financial_info.expected_monthly_income

string

Example:

"500000.00"

data.financial_info.most_recent_occupation

string

Example:

"Software Engineer"

data.financial_info.source_of_funds

string

Example:

"salary"

API Documentation

Customers

Wallet Assets

Wallets

Swap

Banks

Beneficiary

Payouts

Transactions

Key Features:

Request Body:

Enhanced Individual Fields:

Document Requirements:

Validation Notes:

Headers

Body

Response

API Documentation

Customers

Wallet Assets

Wallets

Swap

Banks

Beneficiary

Payouts

Transactions

​Key Features:

​Request Body:

​Enhanced Individual Fields:

​Document Requirements:

​Validation Notes:

Headers

Body

Response

Key Features:

Request Body:

Enhanced Individual Fields:

Document Requirements:

Validation Notes: