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POST
Create Customer

Overview

Create a customer record that can be referenced by customer_id in funding account, transfer, and USD virtual account requests. Customers are scoped to the authenticated merchant. For an individual customer, create the customer record, complete tier 1 verification with POST /v1/customers/{id}/tier1-verification, then submit individual tier 2 KYC with POST /v1/customers/{id}/tier2-verification. For a business or entity, create the customer record first, then submit tier 2 KYB with POST /v1/customers/{id}/tier2-verification using customer_type: "business" and the business KYB fields. The first_name and last_name fields can be omitted for business customer records.

Authentication

string
required
Your merchant API key

Request Body

string
required
Customer email address (must be valid)Example: customer@example.com
Email is normalized to lowercase and trimmed before storage.
string
Customer first name (1–100 characters)Example: John
string
Customer last name (1–100 characters)Example: Doe

Request Example

Response

string
required
Unique customer identifier (UUID)
string
required
Customer email address
string
Customer first name
string
Customer last name
boolean
Whether the customer has passed verification. false on creation.
boolean
Whether tier 1 KYC has been completed. false on creation.
boolean
Whether tier 2 KYC has been completed. false on creation.
array
Customer capabilities and their current status. Empty on creation until verification starts.
array
Current blocking verification or capability issues. Empty on creation.
string
required
When the customer was created (ISO 8601 timestamp)
string
required
When the customer was last updated (ISO 8601 timestamp)

Success Response

Error Responses

Notes

  • Customers are scoped to the authenticated merchant — the same email can exist under different merchants.
  • Once created, a customer can be referenced by customer_id in funding account requests.
  • Business/entity customers use the same customer object and response shape as individual customers. Submit business KYB before creating a USD virtual account for a business beneficiary.