Submit tier 2 verification

curl --request POST \
  --url https://api.daya.co/v1/customers/{id}/tier2-verification \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "customer_type": "<string>",
  "residential_address": {
    "residential_address.street_line_1": "<string>",
    "residential_address.city": "<string>",
    "residential_address.subdivision": "<string>",
    "residential_address.postal_code": "<string>",
    "residential_address.country": "<string>"
  },
  "nationality": "<string>",
  "birth_date": "<string>",
  "identifying_information": [
    {}
  ],
  "source_of_funds": "<string>",
  "account_purpose": "<string>",
  "expected_monthly_payments_usd": "<string>",
  "acting_as_intermediary": true,
  "employment_status": "<string>",
  "most_recent_occupation": "<string>",
  "documents": [
    {}
  ],
  "business_legal_name": "<string>",
  "business_description": "<string>",
  "business_type": "<string>",
  "registered_address": {},
  "physical_address": {},
  "is_dao": true,
  "associated_persons": [
    {
      "associated_persons[].first_name": "<string>",
      "associated_persons[].last_name": "<string>",
      "associated_persons[].email": "<string>",
      "associated_persons[].residential_address": {},
      "associated_persons[].birth_date": "<string>",
      "associated_persons[].has_ownership": true,
      "associated_persons[].has_control": true,
      "associated_persons[].is_signer": true,
      "associated_persons[].title": "<string>",
      "associated_persons[].nationality": "<string>",
      "associated_persons[].identifying_information": [
        {}
      ]
    }
  ],
  "estimated_annual_revenue_usd": "<string>",
  "operates_in_prohibited_countries": true,
  "conducts_money_services": true
}
'

import requests

url = "https://api.daya.co/v1/customers/{id}/tier2-verification"

payload = {
    "customer_type": "<string>",
    "residential_address": {
        "residential_address.street_line_1": "<string>",
        "residential_address.city": "<string>",
        "residential_address.subdivision": "<string>",
        "residential_address.postal_code": "<string>",
        "residential_address.country": "<string>"
    },
    "nationality": "<string>",
    "birth_date": "<string>",
    "identifying_information": [{}],
    "source_of_funds": "<string>",
    "account_purpose": "<string>",
    "expected_monthly_payments_usd": "<string>",
    "acting_as_intermediary": True,
    "employment_status": "<string>",
    "most_recent_occupation": "<string>",
    "documents": [{}],
    "business_legal_name": "<string>",
    "business_description": "<string>",
    "business_type": "<string>",
    "registered_address": {},
    "physical_address": {},
    "is_dao": True,
    "associated_persons": [
        {
            "associated_persons[].first_name": "<string>",
            "associated_persons[].last_name": "<string>",
            "associated_persons[].email": "<string>",
            "associated_persons[].residential_address": {},
            "associated_persons[].birth_date": "<string>",
            "associated_persons[].has_ownership": True,
            "associated_persons[].has_control": True,
            "associated_persons[].is_signer": True,
            "associated_persons[].title": "<string>",
            "associated_persons[].nationality": "<string>",
            "associated_persons[].identifying_information": [{}]
        }
    ],
    "estimated_annual_revenue_usd": "<string>",
    "operates_in_prohibited_countries": True,
    "conducts_money_services": True
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    customer_type: '<string>',
    residential_address: {
      'residential_address.street_line_1': '<string>',
      'residential_address.city': '<string>',
      'residential_address.subdivision': '<string>',
      'residential_address.postal_code': '<string>',
      'residential_address.country': '<string>'
    },
    nationality: '<string>',
    birth_date: '<string>',
    identifying_information: [{}],
    source_of_funds: '<string>',
    account_purpose: '<string>',
    expected_monthly_payments_usd: '<string>',
    acting_as_intermediary: true,
    employment_status: '<string>',
    most_recent_occupation: '<string>',
    documents: [{}],
    business_legal_name: '<string>',
    business_description: '<string>',
    business_type: '<string>',
    registered_address: {},
    physical_address: {},
    is_dao: true,
    associated_persons: [
      {
        'associated_persons[].first_name': '<string>',
        'associated_persons[].last_name': '<string>',
        'associated_persons[].email': '<string>',
        'associated_persons[].residential_address': {},
        'associated_persons[].birth_date': '<string>',
        'associated_persons[].has_ownership': true,
        'associated_persons[].has_control': true,
        'associated_persons[].is_signer': true,
        'associated_persons[].title': '<string>',
        'associated_persons[].nationality': '<string>',
        'associated_persons[].identifying_information': [{}]
      }
    ],
    estimated_annual_revenue_usd: '<string>',
    operates_in_prohibited_countries: true,
    conducts_money_services: true
  })
};

fetch('https://api.daya.co/v1/customers/{id}/tier2-verification', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/customers/{id}/tier2-verification",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customer_type' => '<string>',
    'residential_address' => [
        'residential_address.street_line_1' => '<string>',
        'residential_address.city' => '<string>',
        'residential_address.subdivision' => '<string>',
        'residential_address.postal_code' => '<string>',
        'residential_address.country' => '<string>'
    ],
    'nationality' => '<string>',
    'birth_date' => '<string>',
    'identifying_information' => [
        [
                
        ]
    ],
    'source_of_funds' => '<string>',
    'account_purpose' => '<string>',
    'expected_monthly_payments_usd' => '<string>',
    'acting_as_intermediary' => true,
    'employment_status' => '<string>',
    'most_recent_occupation' => '<string>',
    'documents' => [
        [
                
        ]
    ],
    'business_legal_name' => '<string>',
    'business_description' => '<string>',
    'business_type' => '<string>',
    'registered_address' => [
        
    ],
    'physical_address' => [
        
    ],
    'is_dao' => true,
    'associated_persons' => [
        [
                'associated_persons[].first_name' => '<string>',
                'associated_persons[].last_name' => '<string>',
                'associated_persons[].email' => '<string>',
                'associated_persons[].residential_address' => [
                                
                ],
                'associated_persons[].birth_date' => '<string>',
                'associated_persons[].has_ownership' => true,
                'associated_persons[].has_control' => true,
                'associated_persons[].is_signer' => true,
                'associated_persons[].title' => '<string>',
                'associated_persons[].nationality' => '<string>',
                'associated_persons[].identifying_information' => [
                                [
                                                                
                                ]
                ]
        ]
    ],
    'estimated_annual_revenue_usd' => '<string>',
    'operates_in_prohibited_countries' => true,
    'conducts_money_services' => true
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/customers/{id}/tier2-verification"

	payload := strings.NewReader("{\n  \"customer_type\": \"<string>\",\n  \"residential_address\": {\n    \"residential_address.street_line_1\": \"<string>\",\n    \"residential_address.city\": \"<string>\",\n    \"residential_address.subdivision\": \"<string>\",\n    \"residential_address.postal_code\": \"<string>\",\n    \"residential_address.country\": \"<string>\"\n  },\n  \"nationality\": \"<string>\",\n  \"birth_date\": \"<string>\",\n  \"identifying_information\": [\n    {}\n  ],\n  \"source_of_funds\": \"<string>\",\n  \"account_purpose\": \"<string>\",\n  \"expected_monthly_payments_usd\": \"<string>\",\n  \"acting_as_intermediary\": true,\n  \"employment_status\": \"<string>\",\n  \"most_recent_occupation\": \"<string>\",\n  \"documents\": [\n    {}\n  ],\n  \"business_legal_name\": \"<string>\",\n  \"business_description\": \"<string>\",\n  \"business_type\": \"<string>\",\n  \"registered_address\": {},\n  \"physical_address\": {},\n  \"is_dao\": true,\n  \"associated_persons\": [\n    {\n      \"associated_persons[].first_name\": \"<string>\",\n      \"associated_persons[].last_name\": \"<string>\",\n      \"associated_persons[].email\": \"<string>\",\n      \"associated_persons[].residential_address\": {},\n      \"associated_persons[].birth_date\": \"<string>\",\n      \"associated_persons[].has_ownership\": true,\n      \"associated_persons[].has_control\": true,\n      \"associated_persons[].is_signer\": true,\n      \"associated_persons[].title\": \"<string>\",\n      \"associated_persons[].nationality\": \"<string>\",\n      \"associated_persons[].identifying_information\": [\n        {}\n      ]\n    }\n  ],\n  \"estimated_annual_revenue_usd\": \"<string>\",\n  \"operates_in_prohibited_countries\": true,\n  \"conducts_money_services\": true\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/customers/{id}/tier2-verification")
  .header("X-Api-Key", "<x-api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customer_type\": \"<string>\",\n  \"residential_address\": {\n    \"residential_address.street_line_1\": \"<string>\",\n    \"residential_address.city\": \"<string>\",\n    \"residential_address.subdivision\": \"<string>\",\n    \"residential_address.postal_code\": \"<string>\",\n    \"residential_address.country\": \"<string>\"\n  },\n  \"nationality\": \"<string>\",\n  \"birth_date\": \"<string>\",\n  \"identifying_information\": [\n    {}\n  ],\n  \"source_of_funds\": \"<string>\",\n  \"account_purpose\": \"<string>\",\n  \"expected_monthly_payments_usd\": \"<string>\",\n  \"acting_as_intermediary\": true,\n  \"employment_status\": \"<string>\",\n  \"most_recent_occupation\": \"<string>\",\n  \"documents\": [\n    {}\n  ],\n  \"business_legal_name\": \"<string>\",\n  \"business_description\": \"<string>\",\n  \"business_type\": \"<string>\",\n  \"registered_address\": {},\n  \"physical_address\": {},\n  \"is_dao\": true,\n  \"associated_persons\": [\n    {\n      \"associated_persons[].first_name\": \"<string>\",\n      \"associated_persons[].last_name\": \"<string>\",\n      \"associated_persons[].email\": \"<string>\",\n      \"associated_persons[].residential_address\": {},\n      \"associated_persons[].birth_date\": \"<string>\",\n      \"associated_persons[].has_ownership\": true,\n      \"associated_persons[].has_control\": true,\n      \"associated_persons[].is_signer\": true,\n      \"associated_persons[].title\": \"<string>\",\n      \"associated_persons[].nationality\": \"<string>\",\n      \"associated_persons[].identifying_information\": [\n        {}\n      ]\n    }\n  ],\n  \"estimated_annual_revenue_usd\": \"<string>\",\n  \"operates_in_prohibited_countries\": true,\n  \"conducts_money_services\": true\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/customers/{id}/tier2-verification")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customer_type\": \"<string>\",\n  \"residential_address\": {\n    \"residential_address.street_line_1\": \"<string>\",\n    \"residential_address.city\": \"<string>\",\n    \"residential_address.subdivision\": \"<string>\",\n    \"residential_address.postal_code\": \"<string>\",\n    \"residential_address.country\": \"<string>\"\n  },\n  \"nationality\": \"<string>\",\n  \"birth_date\": \"<string>\",\n  \"identifying_information\": [\n    {}\n  ],\n  \"source_of_funds\": \"<string>\",\n  \"account_purpose\": \"<string>\",\n  \"expected_monthly_payments_usd\": \"<string>\",\n  \"acting_as_intermediary\": true,\n  \"employment_status\": \"<string>\",\n  \"most_recent_occupation\": \"<string>\",\n  \"documents\": [\n    {}\n  ],\n  \"business_legal_name\": \"<string>\",\n  \"business_description\": \"<string>\",\n  \"business_type\": \"<string>\",\n  \"registered_address\": {},\n  \"physical_address\": {},\n  \"is_dao\": true,\n  \"associated_persons\": [\n    {\n      \"associated_persons[].first_name\": \"<string>\",\n      \"associated_persons[].last_name\": \"<string>\",\n      \"associated_persons[].email\": \"<string>\",\n      \"associated_persons[].residential_address\": {},\n      \"associated_persons[].birth_date\": \"<string>\",\n      \"associated_persons[].has_ownership\": true,\n      \"associated_persons[].has_control\": true,\n      \"associated_persons[].is_signer\": true,\n      \"associated_persons[].title\": \"<string>\",\n      \"associated_persons[].nationality\": \"<string>\",\n      \"associated_persons[].identifying_information\": [\n        {}\n      ]\n    }\n  ],\n  \"estimated_annual_revenue_usd\": \"<string>\",\n  \"operates_in_prohibited_countries\": true,\n  \"conducts_money_services\": true\n}"

response = http.request(request)
puts response.read_body

{
  "id": "650e8400-e29b-41d4-a716-446655440000",
  "email": "customer@example.com",
  "first_name": "John",
  "last_name": "Doe",
  "is_verified": false,
  "tier_1_kyc_complete": true,
  "tier_2_kyc_complete": false,
  "capabilities": [
    { "name": "base", "status": "approved" },
    { "name": "usd_banking", "status": "pending" }
  ],
  "rejection_reasons": [],
  "created_at": "2026-01-05T15:04:05Z",
  "updated_at": "2026-01-05T16:00:00Z"
}

{
  "error": {
    "code": "TIER2_ALREADY_PENDING",
    "message": "Tier 2 verification is already pending",
    "request_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

{
  "error": {
    "code": "TIER2_ALREADY_VERIFIED",
    "message": "Customer has already completed tier 2 verification",
    "request_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

POST

customers

{id}

tier2-verification

Submit tier 2 verification

curl --request POST \
  --url https://api.daya.co/v1/customers/{id}/tier2-verification \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "customer_type": "<string>",
  "residential_address": {
    "residential_address.street_line_1": "<string>",
    "residential_address.city": "<string>",
    "residential_address.subdivision": "<string>",
    "residential_address.postal_code": "<string>",
    "residential_address.country": "<string>"
  },
  "nationality": "<string>",
  "birth_date": "<string>",
  "identifying_information": [
    {}
  ],
  "source_of_funds": "<string>",
  "account_purpose": "<string>",
  "expected_monthly_payments_usd": "<string>",
  "acting_as_intermediary": true,
  "employment_status": "<string>",
  "most_recent_occupation": "<string>",
  "documents": [
    {}
  ],
  "business_legal_name": "<string>",
  "business_description": "<string>",
  "business_type": "<string>",
  "registered_address": {},
  "physical_address": {},
  "is_dao": true,
  "associated_persons": [
    {
      "associated_persons[].first_name": "<string>",
      "associated_persons[].last_name": "<string>",
      "associated_persons[].email": "<string>",
      "associated_persons[].residential_address": {},
      "associated_persons[].birth_date": "<string>",
      "associated_persons[].has_ownership": true,
      "associated_persons[].has_control": true,
      "associated_persons[].is_signer": true,
      "associated_persons[].title": "<string>",
      "associated_persons[].nationality": "<string>",
      "associated_persons[].identifying_information": [
        {}
      ]
    }
  ],
  "estimated_annual_revenue_usd": "<string>",
  "operates_in_prohibited_countries": true,
  "conducts_money_services": true
}
'

import requests

url = "https://api.daya.co/v1/customers/{id}/tier2-verification"

payload = {
    "customer_type": "<string>",
    "residential_address": {
        "residential_address.street_line_1": "<string>",
        "residential_address.city": "<string>",
        "residential_address.subdivision": "<string>",
        "residential_address.postal_code": "<string>",
        "residential_address.country": "<string>"
    },
    "nationality": "<string>",
    "birth_date": "<string>",
    "identifying_information": [{}],
    "source_of_funds": "<string>",
    "account_purpose": "<string>",
    "expected_monthly_payments_usd": "<string>",
    "acting_as_intermediary": True,
    "employment_status": "<string>",
    "most_recent_occupation": "<string>",
    "documents": [{}],
    "business_legal_name": "<string>",
    "business_description": "<string>",
    "business_type": "<string>",
    "registered_address": {},
    "physical_address": {},
    "is_dao": True,
    "associated_persons": [
        {
            "associated_persons[].first_name": "<string>",
            "associated_persons[].last_name": "<string>",
            "associated_persons[].email": "<string>",
            "associated_persons[].residential_address": {},
            "associated_persons[].birth_date": "<string>",
            "associated_persons[].has_ownership": True,
            "associated_persons[].has_control": True,
            "associated_persons[].is_signer": True,
            "associated_persons[].title": "<string>",
            "associated_persons[].nationality": "<string>",
            "associated_persons[].identifying_information": [{}]
        }
    ],
    "estimated_annual_revenue_usd": "<string>",
    "operates_in_prohibited_countries": True,
    "conducts_money_services": True
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    customer_type: '<string>',
    residential_address: {
      'residential_address.street_line_1': '<string>',
      'residential_address.city': '<string>',
      'residential_address.subdivision': '<string>',
      'residential_address.postal_code': '<string>',
      'residential_address.country': '<string>'
    },
    nationality: '<string>',
    birth_date: '<string>',
    identifying_information: [{}],
    source_of_funds: '<string>',
    account_purpose: '<string>',
    expected_monthly_payments_usd: '<string>',
    acting_as_intermediary: true,
    employment_status: '<string>',
    most_recent_occupation: '<string>',
    documents: [{}],
    business_legal_name: '<string>',
    business_description: '<string>',
    business_type: '<string>',
    registered_address: {},
    physical_address: {},
    is_dao: true,
    associated_persons: [
      {
        'associated_persons[].first_name': '<string>',
        'associated_persons[].last_name': '<string>',
        'associated_persons[].email': '<string>',
        'associated_persons[].residential_address': {},
        'associated_persons[].birth_date': '<string>',
        'associated_persons[].has_ownership': true,
        'associated_persons[].has_control': true,
        'associated_persons[].is_signer': true,
        'associated_persons[].title': '<string>',
        'associated_persons[].nationality': '<string>',
        'associated_persons[].identifying_information': [{}]
      }
    ],
    estimated_annual_revenue_usd: '<string>',
    operates_in_prohibited_countries: true,
    conducts_money_services: true
  })
};

fetch('https://api.daya.co/v1/customers/{id}/tier2-verification', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/customers/{id}/tier2-verification",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'customer_type' => '<string>',
    'residential_address' => [
        'residential_address.street_line_1' => '<string>',
        'residential_address.city' => '<string>',
        'residential_address.subdivision' => '<string>',
        'residential_address.postal_code' => '<string>',
        'residential_address.country' => '<string>'
    ],
    'nationality' => '<string>',
    'birth_date' => '<string>',
    'identifying_information' => [
        [
                
        ]
    ],
    'source_of_funds' => '<string>',
    'account_purpose' => '<string>',
    'expected_monthly_payments_usd' => '<string>',
    'acting_as_intermediary' => true,
    'employment_status' => '<string>',
    'most_recent_occupation' => '<string>',
    'documents' => [
        [
                
        ]
    ],
    'business_legal_name' => '<string>',
    'business_description' => '<string>',
    'business_type' => '<string>',
    'registered_address' => [
        
    ],
    'physical_address' => [
        
    ],
    'is_dao' => true,
    'associated_persons' => [
        [
                'associated_persons[].first_name' => '<string>',
                'associated_persons[].last_name' => '<string>',
                'associated_persons[].email' => '<string>',
                'associated_persons[].residential_address' => [
                                
                ],
                'associated_persons[].birth_date' => '<string>',
                'associated_persons[].has_ownership' => true,
                'associated_persons[].has_control' => true,
                'associated_persons[].is_signer' => true,
                'associated_persons[].title' => '<string>',
                'associated_persons[].nationality' => '<string>',
                'associated_persons[].identifying_information' => [
                                [
                                                                
                                ]
                ]
        ]
    ],
    'estimated_annual_revenue_usd' => '<string>',
    'operates_in_prohibited_countries' => true,
    'conducts_money_services' => true
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/customers/{id}/tier2-verification"

	payload := strings.NewReader("{\n  \"customer_type\": \"<string>\",\n  \"residential_address\": {\n    \"residential_address.street_line_1\": \"<string>\",\n    \"residential_address.city\": \"<string>\",\n    \"residential_address.subdivision\": \"<string>\",\n    \"residential_address.postal_code\": \"<string>\",\n    \"residential_address.country\": \"<string>\"\n  },\n  \"nationality\": \"<string>\",\n  \"birth_date\": \"<string>\",\n  \"identifying_information\": [\n    {}\n  ],\n  \"source_of_funds\": \"<string>\",\n  \"account_purpose\": \"<string>\",\n  \"expected_monthly_payments_usd\": \"<string>\",\n  \"acting_as_intermediary\": true,\n  \"employment_status\": \"<string>\",\n  \"most_recent_occupation\": \"<string>\",\n  \"documents\": [\n    {}\n  ],\n  \"business_legal_name\": \"<string>\",\n  \"business_description\": \"<string>\",\n  \"business_type\": \"<string>\",\n  \"registered_address\": {},\n  \"physical_address\": {},\n  \"is_dao\": true,\n  \"associated_persons\": [\n    {\n      \"associated_persons[].first_name\": \"<string>\",\n      \"associated_persons[].last_name\": \"<string>\",\n      \"associated_persons[].email\": \"<string>\",\n      \"associated_persons[].residential_address\": {},\n      \"associated_persons[].birth_date\": \"<string>\",\n      \"associated_persons[].has_ownership\": true,\n      \"associated_persons[].has_control\": true,\n      \"associated_persons[].is_signer\": true,\n      \"associated_persons[].title\": \"<string>\",\n      \"associated_persons[].nationality\": \"<string>\",\n      \"associated_persons[].identifying_information\": [\n        {}\n      ]\n    }\n  ],\n  \"estimated_annual_revenue_usd\": \"<string>\",\n  \"operates_in_prohibited_countries\": true,\n  \"conducts_money_services\": true\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/customers/{id}/tier2-verification")
  .header("X-Api-Key", "<x-api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customer_type\": \"<string>\",\n  \"residential_address\": {\n    \"residential_address.street_line_1\": \"<string>\",\n    \"residential_address.city\": \"<string>\",\n    \"residential_address.subdivision\": \"<string>\",\n    \"residential_address.postal_code\": \"<string>\",\n    \"residential_address.country\": \"<string>\"\n  },\n  \"nationality\": \"<string>\",\n  \"birth_date\": \"<string>\",\n  \"identifying_information\": [\n    {}\n  ],\n  \"source_of_funds\": \"<string>\",\n  \"account_purpose\": \"<string>\",\n  \"expected_monthly_payments_usd\": \"<string>\",\n  \"acting_as_intermediary\": true,\n  \"employment_status\": \"<string>\",\n  \"most_recent_occupation\": \"<string>\",\n  \"documents\": [\n    {}\n  ],\n  \"business_legal_name\": \"<string>\",\n  \"business_description\": \"<string>\",\n  \"business_type\": \"<string>\",\n  \"registered_address\": {},\n  \"physical_address\": {},\n  \"is_dao\": true,\n  \"associated_persons\": [\n    {\n      \"associated_persons[].first_name\": \"<string>\",\n      \"associated_persons[].last_name\": \"<string>\",\n      \"associated_persons[].email\": \"<string>\",\n      \"associated_persons[].residential_address\": {},\n      \"associated_persons[].birth_date\": \"<string>\",\n      \"associated_persons[].has_ownership\": true,\n      \"associated_persons[].has_control\": true,\n      \"associated_persons[].is_signer\": true,\n      \"associated_persons[].title\": \"<string>\",\n      \"associated_persons[].nationality\": \"<string>\",\n      \"associated_persons[].identifying_information\": [\n        {}\n      ]\n    }\n  ],\n  \"estimated_annual_revenue_usd\": \"<string>\",\n  \"operates_in_prohibited_countries\": true,\n  \"conducts_money_services\": true\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/customers/{id}/tier2-verification")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customer_type\": \"<string>\",\n  \"residential_address\": {\n    \"residential_address.street_line_1\": \"<string>\",\n    \"residential_address.city\": \"<string>\",\n    \"residential_address.subdivision\": \"<string>\",\n    \"residential_address.postal_code\": \"<string>\",\n    \"residential_address.country\": \"<string>\"\n  },\n  \"nationality\": \"<string>\",\n  \"birth_date\": \"<string>\",\n  \"identifying_information\": [\n    {}\n  ],\n  \"source_of_funds\": \"<string>\",\n  \"account_purpose\": \"<string>\",\n  \"expected_monthly_payments_usd\": \"<string>\",\n  \"acting_as_intermediary\": true,\n  \"employment_status\": \"<string>\",\n  \"most_recent_occupation\": \"<string>\",\n  \"documents\": [\n    {}\n  ],\n  \"business_legal_name\": \"<string>\",\n  \"business_description\": \"<string>\",\n  \"business_type\": \"<string>\",\n  \"registered_address\": {},\n  \"physical_address\": {},\n  \"is_dao\": true,\n  \"associated_persons\": [\n    {\n      \"associated_persons[].first_name\": \"<string>\",\n      \"associated_persons[].last_name\": \"<string>\",\n      \"associated_persons[].email\": \"<string>\",\n      \"associated_persons[].residential_address\": {},\n      \"associated_persons[].birth_date\": \"<string>\",\n      \"associated_persons[].has_ownership\": true,\n      \"associated_persons[].has_control\": true,\n      \"associated_persons[].is_signer\": true,\n      \"associated_persons[].title\": \"<string>\",\n      \"associated_persons[].nationality\": \"<string>\",\n      \"associated_persons[].identifying_information\": [\n        {}\n      ]\n    }\n  ],\n  \"estimated_annual_revenue_usd\": \"<string>\",\n  \"operates_in_prohibited_countries\": true,\n  \"conducts_money_services\": true\n}"

response = http.request(request)
puts response.read_body

{
  "id": "650e8400-e29b-41d4-a716-446655440000",
  "email": "customer@example.com",
  "first_name": "John",
  "last_name": "Doe",
  "is_verified": false,
  "tier_1_kyc_complete": true,
  "tier_2_kyc_complete": false,
  "capabilities": [
    { "name": "base", "status": "approved" },
    { "name": "usd_banking", "status": "pending" }
  ],
  "rejection_reasons": [],
  "created_at": "2026-01-05T15:04:05Z",
  "updated_at": "2026-01-05T16:00:00Z"
}

{
  "error": {
    "code": "TIER2_ALREADY_PENDING",
    "message": "Tier 2 verification is already pending",
    "request_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

{
  "error": {
    "code": "TIER2_ALREADY_VERIFIED",
    "message": "Customer has already completed tier 2 verification",
    "request_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

Overview

Submits tier 2 verification for an existing customer. Use the individual KYC payload for people, or pass customer_type: "business" with business KYB fields for an entity customer. Tier 2 verification is required before the customer can use Bridge-backed banking features.

Business KYB can also be submitted through the compatibility route POST /v1/customers/{id}/business-verification. New integrations should prefer this tier 2 endpoint with customer_type: "business".

Tier 2 verification is required for:

Creating USD virtual accounts
Creating US_BANK_ACCOUNT or SWIFT_BANK_ACCOUNT recipients
Sending USD transfers to ACH, wire, or SWIFT recipients

Idempotency behavior:

If tier 2 status is already PENDING, resubmission is blocked.
If tier 2 status is already VERIFIED, resubmission is blocked.

Authentication

X-Api-Key

string

required

Your merchant API key

Path Parameters

string

required

Customer ID (UUID format)Example: 650e8400-e29b-41d4-a716-446655440000

Request Body

customer_type

string

Verification subject type. Omit this field or use individual for individual KYC. Use business for business/entity KYB.Allowed values: individual | business

Individual KYC fields

Use these fields when customer_type is omitted or set to individual.

residential_address

object

required

Customer’s residential address.

Show residential_address properties

residential_address.street_line_1

string

required

Street address line 1Example: 123 Main St

residential_address.city

string

required

CityExample: Lagos

residential_address.subdivision

string

required

Short state or subdivision code. Must be 10 characters or fewer.Example: LA

residential_address.postal_code

string

required

Postal codeExample: 100001

residential_address.country

string

required

ISO 3166-1 alpha-3 country codeExample: NGA

nationality

string

required

ISO 3166-1 alpha-3 country code for the customer’s nationality.Example: NGA

birth_date

string

required

Date of birth in YYYY-MM-DD format.Example: 1990-05-15

identifying_information

array

required

Array of identity documents and tax IDs. Non-US customers should include at least one government photo ID (passport, drivers_license, or national_id) with image_front. Add tin when Daya or the verification provider asks for a tax identification number.

Show identifying_information item properties

identifying_information[].type

string

required

Identification type. Use tin when Daya or the verification provider asks for the customer’s tax identification number.Allowed values: passport | drivers_license | national_id | tin

identifying_information[].issuing_country

string

required

ISO 3166-1 alpha-3 country code of the issuing country.Example: NGA

identifying_information[].number

string

Document or tax identification number. Required when type is tin.Example: A12345678

identifying_information[].expiration

string

Document expiration date in YYYY-MM-DD format.Example: 2030-01-01

identifying_information[].image_front

string

Front image of the document. Required for government photo ID types: passport, drivers_license, and national_id. Not required for tin when you are only submitting the tax identification number. If Daya specifically asks for a tax document image, send it as a base64 data URL up to 1 MiB decoded. Compress large camera images before encoding.Example: data:image/png;base64,iVBORw0KGgo...

identifying_information[].image_back

string

Back image of the document. Must be a base64 data URL up to 1 MiB decoded when provided.Example: data:image/png;base64,iVBORw0KGgo...

Tax ID is not required for every customer. Some higher-risk customers or provider follow-up reviews may require it. For non-US customers, tin is additional information and should be sent alongside a government photo ID. Send type: "tin" in Daya’s API; Daya maps it to the provider’s country-specific tax identifier type before submission.

source_of_funds

string

required

account_purpose

string

required

expected_monthly_payments_usd

string

required

Expected monthly payment volume bracket.Allowed values: 0_4999 | 5000_9999 | 10000_49999 | 50000_plus

acting_as_intermediary

boolean

required

Whether the customer is acting as an intermediary for a third party.Example: false

employment_status

string

required

most_recent_occupation

string

required

documents

array

Supporting documents. Optional at the schema level, but conditionally required when expected_monthly_payments_usd is above the 0_4999 bucket. For 5000_9999, 10000_49999, and 50000_plus buckets, supporting documents should be provided.

Show documents item properties

documents[].file

string

required

Document file. Must be a base64 data URL up to 5 MiB decoded.Example: data:image/png;base64,iVBORw0KGgo...

documents[].purposes

array

required

Document purposes (at least one required).Allowed values: proof_of_address | proof_of_source_of_funds

Business KYB fields

Use these fields when customer_type is business. Daya will submit the customer to the business verification provider flow and update the same customer object.

business_legal_name

string

required

Legal name of the business or entity. Daya also uses this as the trade name when submitting to the verification provider.Example: Ada Labs Ltd

business_description

string

required

Short description of what the business does.

business_type

string

required

Provider-supported business type, such as corporation, llc, or another type approved for your use case.

registered_address

object

required

Registered business address using the same address shape as residential_address.

physical_address

object

Physical operating address using the same address shape as residential_address. If omitted, Daya uses registered_address as the physical address.

is_dao

boolean

required

Whether the entity is a DAO.

associated_persons

array

required

Directors, signers, controllers, and beneficial owners associated with the business. At least one associated person is required. At least one associated person must have has_control: true, and at least one must have is_signer: true.

Show associated_persons item properties

associated_persons[].first_name

string

required

First name.

associated_persons[].last_name

string

required

Last name.

associated_persons[].email

string

required

Email address.

associated_persons[].residential_address

object

required

Residential address using the same address shape as residential_address.

associated_persons[].birth_date

string

required

Date of birth in YYYY-MM-DD format.

associated_persons[].has_ownership

boolean

required

Whether the person is a beneficial owner.

associated_persons[].has_control

boolean

required

Whether the person has control over the entity. At least one associated person must be a control person.

associated_persons[].is_signer

boolean

required

Whether the person is authorized to sign for the entity. At least one associated person must be a signer.

associated_persons[].title

string

The person’s title at the entity. Required when has_control is true.

associated_persons[].nationality

string

required

ISO 3166-1 alpha-3 nationality code.

associated_persons[].identifying_information

array

required

Government ID and tax identification details for the associated person.

estimated_annual_revenue_usd

string

required

Estimated annual revenue bracket.Example: 1000000_4999999

expected_monthly_payments_usd

string

required

Expected monthly payment volume bracket.Allowed values: 0_4999 | 5000_9999 | 10000_49999 | 50000_plus

operates_in_prohibited_countries

boolean

required

Whether the business operates in prohibited countries.

account_purpose

string

required

Purpose of the account.Example: operating_a_company

source_of_funds

string

required

Source of business funds.Example: company_funds

conducts_money_services

boolean

required

Whether the business conducts money services.

identifying_information

array

required

Business identifying information. Include the business tax ID as an item with type: "tin" and number.

documents

array

required

Business supporting documents. Include at least one proof_of_address document and one proof_of_source_of_funds document.

For business KYB, associated persons carry the required government ID documents. A non-US business tax ID does not require the business itself to submit a passport.

Request Example

Individual KYC example

curl --request POST \
  --url https://api.daya.co/v1/customers/650e8400-e29b-41d4-a716-446655440000/tier2-verification \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "residential_address": {
      "street_line_1": "123 Main St",
      "city": "Lagos",
      "subdivision": "LA",
      "postal_code": "100001",
      "country": "NGA"
    },
    "nationality": "NGA",
    "birth_date": "1990-05-15",
    "identifying_information": [
      {
        "type": "passport",
        "issuing_country": "NGA",
        "number": "A12345678",
        "expiration": "2030-01-01",
        "image_front": "data:image/png;base64,iVBORw0KGgo..."
      }
    ],
    "source_of_funds": "salary",
    "account_purpose": "personal_or_living_expenses",
    "expected_monthly_payments_usd": "0_4999",
    "acting_as_intermediary": false,
    "employment_status": "employed",
    "most_recent_occupation": "BUSINESS_ADMIN"
  }'

Business KYB example

curl --request POST \
  --url https://api.daya.co/v1/customers/650e8400-e29b-41d4-a716-446655440000/tier2-verification \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "customer_type": "business",
    "business_legal_name": "Ada Labs Ltd",
    "business_description": "Cross-border collection and treasury operations",
    "business_type": "corporation",
    "registered_address": {
      "street_line_1": "10 Market Street",
      "city": "London",
      "subdivision": "LDN",
      "postal_code": "EC1A 1AA",
      "country": "GBR"
    },
    "is_dao": false,
    "associated_persons": [
      {
        "first_name": "Jane",
        "last_name": "Doe",
        "email": "jane@example.com",
        "residential_address": {
          "street_line_1": "10 Market Street",
          "city": "London",
          "subdivision": "LDN",
          "postal_code": "EC1A 1AA",
          "country": "GBR"
        },
        "birth_date": "1990-05-15",
        "has_ownership": true,
        "has_control": true,
        "is_signer": true,
        "is_director": true,
        "ownership_percentage": 50,
        "relationship_established_at": "2020-01-01",
        "nationality": "GBR",
        "identifying_information": [
          {
            "type": "passport",
            "issuing_country": "GBR",
            "number": "123456789",
            "expiration": "2030-01-01",
            "image_front": "data:image/png;base64,iVBORw0KGgo..."
          }
        ]
      }
    ],
    "estimated_annual_revenue_usd": "1000000_4999999",
    "expected_monthly_payments_usd": "50000_plus",
    "operates_in_prohibited_countries": false,
    "account_purpose": "operating_a_company",
    "source_of_funds": "company_funds",
    "conducts_money_services": false,
    "identifying_information": [
      {
        "type": "tin",
        "issuing_country": "GBR",
        "number": "GB123456789"
      }
    ],
    "documents": [
      {
        "purposes": ["proof_of_address"],
        "file": "data:image/png;base64,iVBORw0KGgo..."
      },
      {
        "purposes": ["proof_of_source_of_funds"],
        "file": "data:image/png;base64,iVBORw0KGgo..."
      }
    ]
  }'

Add a tax ID when requested

If Daya or the verification provider asks for the customer’s tax identification number, add a tin item to identifying_information and resubmit Tier 2 verification:

{
  "identifying_information": [
    {
      "type": "passport",
      "issuing_country": "NGA",
      "number": "A12345678",
      "expiration": "2030-01-01",
      "image_front": "data:image/png;base64,iVBORw0KGgo..."
    },
    {
      "type": "tin",
      "issuing_country": "NGA",
      "number": "1234567890"
    }
  ]
}

Response

Returns the updated customer object with verification status.

string

required

Customer ID (UUID)

string

required

Customer email address

first_name

string

Customer first name

last_name

string

Customer last name

is_verified

boolean

required

Whether the customer has passed verification

tier_1_kyc_complete

boolean

required

Whether tier 1 KYC has been completed.

tier_2_kyc_complete

boolean

required

Whether tier 2 KYC has been completed. true once Bridge approves the submitted data.

capabilities

array

required

Customer capabilities and their current status.

Show capability properties

capabilities[].name

string

Capability name. Current values: base, usd_banking.

capabilities[].status

string

Capability status: approved, pending, rejected, or missing.

rejection_reasons

array

required

Current blocking verification/capability issues. Empty array when the customer is approved for the relevant capability.

created_at

string

required

When the customer was created (ISO 8601)

updated_at

string

required

When the customer was last updated (ISO 8601)

{
  "id": "650e8400-e29b-41d4-a716-446655440000",
  "email": "customer@example.com",
  "first_name": "John",
  "last_name": "Doe",
  "is_verified": false,
  "tier_1_kyc_complete": true,
  "tier_2_kyc_complete": false,
  "capabilities": [
    { "name": "base", "status": "approved" },
    { "name": "usd_banking", "status": "pending" }
  ],
  "rejection_reasons": [],
  "created_at": "2026-01-05T15:04:05Z",
  "updated_at": "2026-01-05T16:00:00Z"
}

{
  "error": {
    "code": "TIER2_ALREADY_PENDING",
    "message": "Tier 2 verification is already pending",
    "request_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

{
  "error": {
    "code": "TIER2_ALREADY_VERIFIED",
    "message": "Customer has already completed tier 2 verification",
    "request_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

Submit Tier 1 verification Create a funding account

Getting Started

Core Concepts

Guides

Rates & Chains

Customers

Funding Accounts

Transfers

Deposits

Recipients

Banks

USD Virtual Accounts

USD Virtual Account Deposits

Merchant Balance

Merchant Funding

Webhooks

Legacy API

Submit tier 2 verification

Overview

Authentication

Path Parameters

Request Body

Individual KYC fields

Business KYB fields

Request Example

Individual KYC example

Business KYB example

Add a tax ID when requested

Response

​Overview

​Authentication

​Path Parameters

​Request Body

​Individual KYC fields

​Business KYB fields

​Request Example

​Individual KYC example

​Business KYB example

​Add a tax ID when requested

​Response

Overview

Authentication

Path Parameters

Request Body

Individual KYC fields

Business KYB fields

Request Example

Individual KYC example

Business KYB example

Add a tax ID when requested

Response