Individual Account Creation and Onboarding

Updated November 08, 2024 15:50

KYC (Know Your Customer) Integration

You must integrate these calls onto your platform. Additionally, refer to the API reference document to identify the mandatory parameters for implementation.

Individual Account Creation and Onboarding for KYC (Know Your Customer) is the process through which Lemonway collects and verifies the identity and other relevant information of a new customer before allowing them to open an account. This process is crucial for ensuring compliance with regulatory requirements, preventing fraud, and managing risk. It typically involves gathering personal details, such as name, address, date of birth, and identification documents, and may include additional steps like biometric verification or credit checks.

Account Creation Endpoint

POST /accounts/individual

Response: The account creation endpoint returns the Id and status of the created account. If onboarding is required, the response will indicate awaiting information.

Description: This method provides the minimum necessary information required to create an individual account at Lemonway. With this information, we can initiate the onboarding process. If a KYC onboarding is required, you can generate an Onboarding link associated with this account. This link can then be sent to your user to submit the essential data and documents needed for legal onboarding.

Example:

{
  "individual": {
    "firstName": "Johnathan",
    "lastName": "Lamary",
    "birthDate": "1973-06-01T10:10:57.870Z",
    "email": "JLamry55@gmail.com",
    "birthCity": "Paris",
    "birthCountry": "FR",
    "phoneNumber": "+33675869559",
    "nationalities": ["FR", "GB"],
    "address": {
      "street": "24 rue des peupliers",
      "complementaryStreetInfo": "bis",
      "postalCode": "92130",
      "city": "Issy",
      "residenceCountry": "FR"
    }
  },
  "profile": "PROJECT_HOLDER",
  "walletId": "f2470b35-4dd4-4fe1-bab2-f8c763ebcef5",
  "solutionName": "lemonway"
}

Onboarding Endpoint

If an individual has not previously set up an account, you will need to call the onboardings endpoint. This call will generate a unique id and url that corresponds to the individual account.

POST /onboardings/individual

Description: This call is required when an individual has created an account and the status returned is onboarding required. The information required by the individual enables Lemonway to assess the information and verify it.

Example:

{
  "individual": {
    "firstName": "Johnathan",
    "lastName": "Lamary",
    "birthDate": "1973-06-01T10:10:57.870Z",
    "email": "JLamry55@gmail.com",
    "birthCity": "Paris",
    "birthCountry": "FR",
    "phoneNumber": "+33675869559",
    "nationalities": ["FR", "GB"],
    "address": {
      "street": "24 rue des peupliers",
      "complementaryStreetInfo": "bis",
      "postalCode": "92130",
      "city": "Issy",
      "residenceCountry": "FR"
    },
    "politicalExposure": {
      "startDate": "2023-06-01T10:10:57.870Z",
      "endDate": "2029-06-01T10:10:57.870Z",
      "position": "POLITICAL_LEADER",
      "status": "YES"
    },
    "financialSituation": {
      "annualRevenue": "FIRST_TIER",
      "estimatedWealth": "FIRST_TIER",
      "hasIFItax": true,
      "taxCode": "235 6376"
    },
    "legalCapacity": {
      "type": "PROTECTED_ADULT"
    },
    "professionalSituation": {
      "activity": "69"
    }
  },
  "project": {
    "type": "WEDDING",
    "weddingRelation": "BRIDE_GROOM",
    "description": "project description",
    "website": "project.url"
  }
}

Resume Endpoint

The resume endpoint lets an individual continue their online onboarding where they last finished. This endpoint generates a unique url corresponding to the individual's online onboarding progress.

GET /onboardings/{accountId}/resume

{
  "url": "https://onboarding.lemonway.com/t2/e35ffdb3-b185-42fe-8413-06ecba7b2d30/welcome"
}