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Customers

Create a new business customer

Create a business customer record without sending a polymorphic customer type in the request body. Use this endpoint to create BUSINESS customers.

post/v1/customers/businesses

Headers

X-API-Keystring

API key

Idempotency-Keystring

Idempotency key for preventing duplicate requests

Request body

customerNamestring required

Customer name

emailstring email

Business email address. Use an email on the company domain when available; personal email domains such as Gmail may require additional due diligence.

countryCode'AD' | 'AE' | 'AF' | 'AG' | 'AI' | 'AL' | 'AM' | 'AO' | 'AR' | 'AS' | 'AT' | 'AU' | 'AW' | 'AZ' | 'BA' | 'BB' | 'BD' | 'BE' | 'BF' | 'BG' | 'BH' | 'BI' | 'BJ' | 'BL' | 'BM' | 'BN' | 'BO' | 'BR' | 'BS' | 'BT' | 'BW' | 'BY' | 'BZ' | 'CA' | 'CC' | 'CD' | 'CF' | 'CG' | 'CH' | 'CI' | 'CK' | 'CL' | 'CM' | 'CN' | 'CO' | 'CR' | 'CU' | 'CV' | 'CW' | 'CX' | 'CY' | 'CZ' | 'DE' | 'DJ' | 'DK' | 'DM' | 'DO' | 'DZ' | 'EC' | 'EE' | 'EG' | 'EH' | 'ER' | 'ES' | 'ET' | 'EU' | 'FI' | 'FJ' | 'FK' | 'FM' | 'FO' | 'FR' | 'GA' | 'GB' | 'GD' | 'GE' | 'GH' | 'GI' | 'GL' | 'GM' | 'GN' | 'GP' | 'GQ' | 'GR' | 'GS' | 'GT' | 'GU' | 'GW' | 'GY' | 'HK' | 'HN' | 'HR' | 'HT' | 'HU' | 'ID' | 'IE' | 'IL' | 'IM' | 'IN' | 'IQ' | 'IR' | 'IS' | 'IT' | 'JE' | 'JM' | 'JO' | 'JP' | 'KE' | 'KG' | 'KH' | 'KI' | 'KM' | 'KN' | 'KP' | 'KR' | 'KW' | 'KY' | 'KZ' | 'LA' | 'LB' | 'LC' | 'LI' | 'LK' | 'LR' | 'LS' | 'LT' | 'LU' | 'LV' | 'LY' | 'MA' | 'MC' | 'MD' | 'ME' | 'MF' | 'MG' | 'MH' | 'MK' | 'ML' | 'MM' | 'MN' | 'MO' | 'MP' | 'MQ' | 'MR' | 'MS' | 'MT' | 'MU' | 'MV' | 'MW' | 'MX' | 'MY' | 'MZ' | 'NA' | 'NC' | 'NE' | 'NF' | 'NG' | 'NI' | 'NL' | 'NO' | 'NP' | 'NR' | 'NU' | 'NZ' | 'OM' | 'PA' | 'PE' | 'PF' | 'PG' | 'PH' | 'PK' | 'PL' | 'PM' | 'PN' | 'PR' | 'PS' | 'PT' | 'PW' | 'PY' | 'QA' | 'RE' | 'RO' | 'RS' | 'RU' | 'RW' | 'SA' | 'SB' | 'SC' | 'SD' | 'SE' | 'SG' | 'SH' | 'SI' | 'SJ' | 'SK' | 'SL' | 'SM' | 'SN' | 'SO' | 'SR' | 'SS' | 'ST' | 'SV' | 'SY' | 'SZ' | 'TC' | 'TD' | 'TG' | 'TH' | 'TJ' | 'TK' | 'TL' | 'TM' | 'TN' | 'TO' | 'TR' | 'TT' | 'TV' | 'TW' | 'TZ' | 'UA' | 'UG' | 'UM' | 'US' | 'UY' | 'UZ' | 'VA' | 'VC' | 'VE' | 'VG' | 'VI' | 'VN' | 'VU' | 'WF' | 'WS' | 'YE' | 'YT' | 'ZA' | 'ZM' | 'ZW'

Country code (ISO 3166-2)

requestedCapabilitiesstring[]

Capabilities requested by the customer

businessNamestring

Legal business name

businessType'CORPORATION' | 'LLC' | 'PARTNERSHIP' | 'GEN_PARTNERSHIP' | 'LLP' | 'LP' | 'SOLE_PROPRIETORSHIP' | 'NON_PROFIT' | 'TRUST' | 'COOPERATIVE' | 'PRIVATE_LIMITED_COMPANY' | 'SPV' | 'JOINT_VENTURE'

Business legal structure

taxIdentificationNumberstring

Tax identification number issued by the tax authority (e.g., EIN in the US, VAT number in EU). This is different from the business registration number.

Validated against country-specific formats when countryCode is provided. Accepts NOT_APPLICABLE when no tax ID is available. If the value does not match the expected format, prefix with OVERRIDE: (e.g. OVERRIDE:12-3456789) to store it as-is. These should be used sparingly; missing or overridden tax IDs may trigger additional customer due diligence.

websitestring uri

Business website URL

industrystring

6-digit NAICS industry classification code

isCryptoboolean

Set true if the business operates in crypto or digital assets.

isRemoteCompanyboolean

Set true when the business operates remotely from an owner or director address.

industryCryptoSubtype'PROTOCOL' | 'EXCHANGE' | 'INVESTMENT' | 'LENDER' | 'MARKET_MAKER' | 'SAAS' | 'MINER'

Crypto-specific industry subtype. Required when isCrypto is true.

yearEstablishednumber

Year the business was established

numberOfEmployeesnumber

Number of employees

tradeNamestring

Business trade name (DBA). Separate multiple names with semicolons.

descriptionstring

Business description

phonestring

Business phone number in E.164 format

registrationDatestring

Business registration date in ISO 8601 format (YYYY-MM-DD)

registrationNumberstring

Business registration number issued by the state/authority when the business was registered (e.g., LLC filing number, corporation charter number). This is different from the tax identification number.

hasMaterialIntermediaryOwnershipboolean

Whether the business has material intermediary ownership (25%+ owned by another entity)

accountPurpose'PAYROLL' | 'VENDOR_PAYMENTS' | 'TREASURY' | 'OPERATIONS' | 'CAPITAL_DEPLOYMENT' | 'CROSS_BORDER_PAYMENTS' | 'STABLECOIN_CONVERSION' | 'ECOMMERCE' | 'OTHER'

Purpose of the account

accountPurposeExplanationstring

Detailed explanation of account purpose

sourceOfFunds'BUSINESS_REVENUE' | 'INVESTMENT' | 'OWNER_CAPITAL' | 'LOAN' | 'GRANTS' | 'EQUITY' | 'INHERITANCE' | 'GIFT' | 'OTHER'

Source of funds for the business

sourceOfFundsDescriptionstring

Detailed description of source of funds

estimatedAnnualRevenueUsd'PRE_REVENUE' | 'LESS_THAN_10K' | '10K_TO_50K' | '50K_TO_100K' | '100K_TO_500K' | '500K_TO_1M' | '1M_TO_5M' | '5M_TO_10M' | '10M_TO_50M' | '50M_TO_250M' | 'MORE_THAN_250M' | 'LESS_THAN_100K'

Estimated annual revenue in USD

expectedMonthlyPaymentsUsdnumber

Expected monthly fiat payment volume in USD-equivalent

primaryTargetMarket'RETAIL' | 'COMMERCIAL' | 'GOVERNMENT' | 'OTHER'

Primary target market. RETAIL = B2C (consumers), COMMERCIAL = B2B (businesses), GOVERNMENT = B2G (government entities), OTHER = another market not covered by the standard options.

operatesInProhibitedCountriesboolean

Whether the business operates in prohibited countries

highRiskActivitiesstring[]

List of high-risk activities the business engages in

highRiskActivitiesExplanationstring

Explanation of high-risk activities

signedAgreementIdstring

Signed agreement ID

Example request

{
  "email": "contact@acme.com",
  "businessName": "Acme Corporation",
  "businessType": "LLC",
  "taxIdentificationNumber": "12-3456789",
  "website": "https://acme.com",
  "industry": "522320",
  "yearEstablished": 2010,
  "numberOfEmployees": 50,
  "tradeName": "Acme Services; Acme Pay",
  "description": "Cloud software services provider",
  "phone": "+14155551234",
  "registrationDate": "2020-01-15",
  "registrationNumber": "123456789",
  "accountPurpose": "OPERATIONS",
  "accountPurposeExplanation": "Operating expenses and customer settlements",
  "sourceOfFunds": "BUSINESS_REVENUE",
  "sourceOfFundsDescription": "Revenue from software services",
  "expectedMonthlyPaymentsUsd": 50000,
  "primaryTargetMarket": "COMMERCIAL",
  "highRiskActivities": [
    "MONEY_SERVICES"
  ],
  "highRiskActivitiesExplanation": "Cryptocurrency exchange services",
  "signedAgreementId": "tos_abc123"
}

Response

Customer created successfully

idstring required

Customer ID

customerNamestring required

Customer name

organizationIdstring required

Organization ID

type'INDIVIDUAL' | 'BUSINESS' required

Customer type

status'DRAFT' | 'IN_REVIEW' | 'NEED_ACTIONS' | 'REJECTED' | 'ACTIVE' | 'INACTIVE' | 'SUSPENDED' required

Customer status

emailstring

Customer email address

countryCode'AD' | 'AE' | 'AF' | 'AG' | 'AI' | 'AL' | 'AM' | 'AO' | 'AR' | 'AS' | 'AT' | 'AU' | 'AW' | 'AZ' | 'BA' | 'BB' | 'BD' | 'BE' | 'BF' | 'BG' | 'BH' | 'BI' | 'BJ' | 'BL' | 'BM' | 'BN' | 'BO' | 'BR' | 'BS' | 'BT' | 'BW' | 'BY' | 'BZ' | 'CA' | 'CC' | 'CD' | 'CF' | 'CG' | 'CH' | 'CI' | 'CK' | 'CL' | 'CM' | 'CN' | 'CO' | 'CR' | 'CU' | 'CV' | 'CW' | 'CX' | 'CY' | 'CZ' | 'DE' | 'DJ' | 'DK' | 'DM' | 'DO' | 'DZ' | 'EC' | 'EE' | 'EG' | 'EH' | 'ER' | 'ES' | 'ET' | 'EU' | 'FI' | 'FJ' | 'FK' | 'FM' | 'FO' | 'FR' | 'GA' | 'GB' | 'GD' | 'GE' | 'GH' | 'GI' | 'GL' | 'GM' | 'GN' | 'GP' | 'GQ' | 'GR' | 'GS' | 'GT' | 'GU' | 'GW' | 'GY' | 'HK' | 'HN' | 'HR' | 'HT' | 'HU' | 'ID' | 'IE' | 'IL' | 'IM' | 'IN' | 'IQ' | 'IR' | 'IS' | 'IT' | 'JE' | 'JM' | 'JO' | 'JP' | 'KE' | 'KG' | 'KH' | 'KI' | 'KM' | 'KN' | 'KP' | 'KR' | 'KW' | 'KY' | 'KZ' | 'LA' | 'LB' | 'LC' | 'LI' | 'LK' | 'LR' | 'LS' | 'LT' | 'LU' | 'LV' | 'LY' | 'MA' | 'MC' | 'MD' | 'ME' | 'MF' | 'MG' | 'MH' | 'MK' | 'ML' | 'MM' | 'MN' | 'MO' | 'MP' | 'MQ' | 'MR' | 'MS' | 'MT' | 'MU' | 'MV' | 'MW' | 'MX' | 'MY' | 'MZ' | 'NA' | 'NC' | 'NE' | 'NF' | 'NG' | 'NI' | 'NL' | 'NO' | 'NP' | 'NR' | 'NU' | 'NZ' | 'OM' | 'PA' | 'PE' | 'PF' | 'PG' | 'PH' | 'PK' | 'PL' | 'PM' | 'PN' | 'PR' | 'PS' | 'PT' | 'PW' | 'PY' | 'QA' | 'RE' | 'RO' | 'RS' | 'RU' | 'RW' | 'SA' | 'SB' | 'SC' | 'SD' | 'SE' | 'SG' | 'SH' | 'SI' | 'SJ' | 'SK' | 'SL' | 'SM' | 'SN' | 'SO' | 'SR' | 'SS' | 'ST' | 'SV' | 'SY' | 'SZ' | 'TC' | 'TD' | 'TG' | 'TH' | 'TJ' | 'TK' | 'TL' | 'TM' | 'TN' | 'TO' | 'TR' | 'TT' | 'TV' | 'TW' | 'TZ' | 'UA' | 'UG' | 'UM' | 'US' | 'UY' | 'UZ' | 'VA' | 'VC' | 'VE' | 'VG' | 'VI' | 'VN' | 'VU' | 'WF' | 'WS' | 'YE' | 'YT' | 'ZA' | 'ZM' | 'ZW'

Country code (ISO 3166-2)

imageUrlstring

Customer image URL

requestedCapabilitiesstring[] nullable

Capabilities requested by the customer

createdAtstring date-time required

Customer creation date

updatedAtstring date-time required

Customer last update date

Example response

{
  "createdAt": "2026-01-15T10:00:00Z",
  "updatedAt": "2026-01-15T10:00:00Z",
  "customerDetails": {
    "firstName": "John",
    "lastName": "Smith",
    "middleName": "Michael",
    "transliteratedFirstName": "Li Ming",
    "transliteratedMiddleName": "Wen",
    "transliteratedLastName": "Wang",
    "dateOfBirth": "1990-01-15",
    "nationality": "US",
    "phone": "+14155551234",
    "occupation": "151252",
    "sourceOfIncome": "SALARY"
  },
  "associatedEntities": [
    {
      "id": "asp_abc123",
      "createdAt": "2026-01-15T10:30:00Z",
      "updatedAt": "2026-01-15T10:30:00Z",
      "entityType": "BUSINESS",
      "parentEntityId": "asp_parent123",
      "details": {
        "firstName": "John",
        "nickname": "Johnny",
        "lastName": "Doe",
        "middleName": "Michael",
        "dateOfBirth": "1985-03-15",
        "taxIdentificationDocumentType": "UTR"
      },
      "countryCode": "US",
      "email": "contact@acmeholdings.com",
      "phone": "+14155551234",
      "address": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 4B",
        "city": "San Francisco",
        "state": "CA",
        "postalCode": "94102",
        "country": "US",
        "transliterated": {
          "addressLine1": "123 Main Street",
          "addressLine2": "Apt 4B",
          "city": "Beijing",
          "state": "Hebei"
        }
      },
      "hasOwnership": true,
      "hasControl": true,
      "ownershipPercentage": 51,
      "title": "Managing Director",
      "documents": [
        "doc_abc123"
      ],
      "attestedOwnershipStructureAt": "2026-01-15T10:30:00Z",
      "displayName": "Acme Holdings LLC",
      "verificationLink": {
        "sessionId": "vsess_abc123",
        "verificationUrl": "https://verify.infinite.dev/?sessionId=vsess_abc123",
        "expiresAt": "2026-01-09T10:30:00Z",
        "status": "ACTIVE"
      }
    }
  ],
  "addresses": [
    {
      "addressLine1": "123 Main Street",
      "addressLine2": "Apt 4B",
      "city": "San Francisco",
      "state": "CA",
      "postalCode": "94102",
      "country": "US",
      "transliterated": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 4B",
        "city": "Beijing",
        "state": "Hebei"
      },
      "label": "HOME",
      "isDefault": true
    }
  ],
  "missingRequirements": [
    {
      "requirementType": "FIELD",
      "key": "businessData.taxIdentificationNumber",
      "displayName": "Tax Identification Number"
    },
    {
      "requirementType": "DOCUMENT",
      "key": "ownership.ownership_structure",
      "displayName": "Ownership Information"
    }
  ],
  "accounts": [
    [
      {
        "id": "vba_1234567890abcdef",
        "customerId": "cust_abc123",
        "type": "VIRTUAL_BANK",
        "externalReference": "550e8400-e29b-41d4-a716-446655440000",
        "bankDetails": {
          "accountNumber": "1234567890",
          "routingNumber": "021000021",
          "iban": "GB82WEST12345698765432",
          "swiftCode": "CHASUS33",
          "bankName": "JPMorgan Chase Bank",
          "bankCountryCode": "US",
          "bankAddress": {
            "addressLine1": "270 Park Avenue",
            "addressLine2": "Floor 10",
            "city": "New York",
            "state": "NY",
            "postalCode": "10017",
            "country": "US"
          },
          "beneficiaryName": "John Smith",
          "beneficiaryPhone": "+14155550123",
          "beneficiaryAddress": {
            "addressLine1": "123 Main Street",
            "addressLine2": "Suite 100",
            "city": "New York",
            "state": "NY",
            "postalCode": "10001",
            "country": "US"
          },
          "supportedNetworks": [
            "ACH",
            "WIRE"
          ]
        },
        "walletDetails": {
          "walletAddress": "0x1234567890abcdef1234567890abcdef12345678",
          "addressType": "EVM",
          "chains": [
            "ETHEREUM",
            "BASE"
          ],
          "walletType": "TREASURY"
        },
        "status": "ACTIVE",
        "currencyCodes": [
          "USD",
          "USDC"
        ],
        "virtualBankAccount": {
          "id": "vba_1234567890abcdef",
          "depositInstructions": {
            "bankName": "JPMorgan Chase Bank",
            "bankAddress": {
              "addressLine1": "270 Park Avenue",
              "addressLine2": "Floor 10",
              "city": "New York",
              "state": "NY",
              "postalCode": "10017",
              "country": "US"
            },
            "accountNumber": "1234567890",
            "routingNumber": "021000021",
            "iban": "GB82WEST12345698765432",
            "swiftBic": "CHASUS33",
            "bankCountryCode": "US",
            "beneficiaryName": "John Doe"
          },
          "developerFeeFixed": "100000",
          "developerFeePercent": 0.01,
          "sourceRail": "ACH",
          "sourceCurrency": "USD",
          "destinationRail": "BASE",
          "destinationCurrency": "USDC",
          "sweepTargetAccountId": "ewa_1234567890abcdef",
          "originCapable": true,
          "originAccountId": "vba_1234567890abcdef"
        },
        "virtualWallet": {
          "id": "vw_1234567890abcdef",
          "state": "ACTIVE",
          "destinationCurrency": "USD",
          "destinationRail": "ACH",
          "sweepTargetAccountId": "eba_1234567890abcdef",
          "originAccountId": "vwa_1234567890abcdef"
        },
        "proxyDetails": {
          "aliasType": "phone",
          "aliasValue": "+5511912345678",
          "paymentRail": "pix",
          "beneficiaryName": "John Smith",
          "beneficiaryType": "INDIVIDUAL"
        },
        "counterpartyId": "cp_abc123",
        "referenceId": "550e8400-e29b-41d4-a716-446655440000",
        "originCapable": true,
        "originAccountId": "vba_1234567890abcdef",
        "metadata": {
          "nickname": "Main Checking Account",
          "purpose": "Business operations",
          "tags": [
            "primary",
            "operations"
          ]
        },
        "createdAt": "2026-01-15T10:00:00Z",
        "updatedAt": "2026-01-15T10:00:00Z",
        "created": true,
        "holdsBalance": true,
        "paymentRail": "ETHEREUM",
        "lastSentAt": "2024-01-15T10:30:00Z",
        "lastReceivedAt": "2024-01-15T10:30:00Z",
        "counterparty": {
          "id": "cp_abc123",
          "name": "Jane Doe",
          "beneficiaryType": "INDIVIDUAL",
          "address": {
            "addressLine1": "123 Main Street",
            "addressLine2": "Apt 4B",
            "city": "San Francisco",
            "state": "CA",
            "postalCode": "94102",
            "country": "US",
            "transliterated": {
              "addressLine1": "123 Main Street",
              "addressLine2": "Apt 4B",
              "city": "Beijing",
              "state": "Hebei"
            }
          }
        }
      }
    ]
  ],
  "documents": [
    {
      "id": "doc_abc123",
      "organizationId": "org_xyz789",
      "customerId": "cus_abc123",
      "transferId": "txn_xyz789",
      "documentType": "INVOICE",
      "documentSubtype": "BANK_STATEMENT",
      "fileName": "invoice-2026-001.pdf",
      "contentType": "application/pdf",
      "sizeBytes": 1024000,
      "status": "UPLOADED"
    }
  ],
  "treasury": {
    "customerId": "cus_abc123",
    "treasuries": [
      {
        "id": "trs_abc123",
        "name": "Main Treasury",
        "provider": "INFINITE",
        "fundingMethods": [
          {
            "id": "vba_abc123",
            "type": "BANK_ACCOUNT",
            "provider": "INFINITE",
            "currency": "USD",
            "currencyCodes": [
              "USDC"
            ],
            "rail": "ACH",
            "rails": [
              "ACH",
              "WIRE"
            ],
            "bankName": "Infinite Bank",
            "beneficiaryName": "Acme Treasury",
            "accountNumber": "1234567890",
            "routingNumber": "021000021",
            "iban": "GB82WEST12345698765432",
            "swiftBic": "CHASUS33",
            "address": "0x1234567890abcdef1234567890abcdef12345678",
            "addressType": "EVM",
            "chains": [
              "ETHEREUM",
              "BASE"
            ]
          }
        ],
        "wallets": [
          {
            "address": "0x1234567890abcdef1234567890abcdef12345678",
            "addressType": "EVM",
            "balances": [
              {
                "currency": "USDC",
                "balance": {
                  "currency": "USD",
                  "exponent": 2,
                  "value": "12345",
                  "displayValue": "123.45"
                },
                "chain": "ETHEREUM"
              }
            ]
          }
        ]
      }
    ]
  },
  "verificationSessions": [
    {
      "id": "vs_abc123",
      "status": "COMPLETED",
      "createdAt": "2026-01-15T10:30:00Z",
      "completedAt": "2026-01-15T11:00:00Z",
      "progressPercentage": 100
    }
  ]
}

Changes

No recorded changes to this endpoint across all 3 revisions of this API.