Individual requirements

• Embedded model

This article provides a comprehensive summary of the required fields, document types, and applicable conditions for onboarding individual customers to our platform.

To onboard an individual to the BVNK platform, submit the following information.

Required personal information

Category	Field / Type	Required	Format / Supported values	Notes / Conditions	Example
Personal Information	First Name	✅	String		John
	Last Name	✅	String		Syme
	Date of Birth	✅	YYYY-MM-DD		1990-05-15
	Nationality	✅	ISO 3166-1 Alpha-2		US
	Country of Residence	✅	ISO 3166-1 Alpha-2		US
Contact Information	Email Address	✅	Valid email address		user@example.com
Address Information	Street Address	✅	String		221B Baker Street
	City	✅	String		Syracuse
	Postal Code	✅	String		12345
	State	⚠️ Conditional	String	Mandatory for US residents	New York
	Country	✅	ISO 3166-1 Alpha-2		US
Tax Identification	Tax ID Number	✅	String	Mandatory for US residents	123-45-6789
Customer Due Diligence Information (CDD)	Intended Use of Account	✅	TRANSFERS_OWN_WALLET, TRANSFERS_FAMILY_FRIENDS, INVESTMENTS, GOODS_SERVICES, DONATIONS		INVESTMENTS
	Employment Status	✅	SELF-EMPLOYED, SALARIED, UNEMPLOYED, RETIRED, NOT_PROVIDED		SALARIED
	Source of Funds	✅	SALARY, PENSION, SAVINGS, SELF_EMPLOYMENT, CRYPTO_TRADING, GAMBLING, REAL_ESTATE		SALARY
	PEP Status	✅	NOT_PEP, FORMER_PEP_2_YEARS (within 2 years), FORMER_PEP_OLDER (older than 2 years), DOMESTIC_PEP, FOREIGN_PEP, CLOSE_ASSOCIATES, FAMILY_MEMBERS		NOT_PEP

{
  "type": "INDIVIDUAL",
  "individual": {
    "description": "My First Embedded Customer",
    "firstName": "John",
    "lastName": "Doe",
    "dateOfBirth": "1990-05-12",
    "nationality": "GR",//Mandatory for EU
    "birthCountryCode": "GR",
    "emailAddress": "john.doe@example.com",
    "address": {
      "addressLine1": "123 Main St",
      "city": "Amsterdam",
      "postalCode": "1095AS",
      // "stateCode": "NY", - Mandatory for US
      "countryCode": "NL"
    },
    "taxIdentification": {
      "number": "123456789",
      "taxResidenceCountryCode": "NL"
    },
    "cdd": {
      "employmentStatus": "SALARIED",
      "sourceOfFunds": "SALARY",
      "pepStatus": "NOT_PEP",
      "intendedUseOfAccount": "TRANSFERS_OWN_WALLET",
      "expectedMonthlyVolume": {
        "amount": "5000",
        "currency": "EUR"
      }
    }
  },
  "signedAgreementSessionReference": "XYZ"
}

Required documents

Each individual onboarding requires three documents:

• Identity document
• Selfie
• Proof of Address document, where applicable

Identity documents

Submit one of the following document types together with a selfie.

Document	API value	subType required	Notes
Passport	PASSPORT	FRONT_SIDE only	Single-sided
National ID card	ID_CARD	FRONT_SIDE + BACK_SIDE	Both sides required
Driver's licence	DRIVERS	FRONT_SIDE + BACK_SIDE	Both sides required
Residence permit	RESIDENCE_PERMIT	FRONT_SIDE + BACK_SIDE	Both sides required
Selfie	SELFIE		Must be added to every submission

warning

Include a selfie image as SELFIE together with the identity document.

Important

For double-sided documents, always upload "subType": "FRONT_SIDE" first, then "subType": "BACK_SIDE". Verification can only be completed once both sides are submitted.

To ensure a smooth onboarding process, identity documents must meet the following requirements:

Document requirements:

• The document must be valid and not expired.
• It must be free from visible damage such as scratches, stains, or tears.
• The applicant's full name, date of birth, MRZ (Machine Readable Zone), and other key details must be clearly visible.
• The document must belong to the individual being onboarded.

An ID document must include:

• Full name, date of birth, a clear photograph, and (if applicable) a signature.
• A unique document number.
• Validity details such as the issue date or expiry date.

Photo requirements:

• The document image must be a high-quality original photo or scan (not a screenshot or an image from social media), in JPG, JPEG, PNG, or PDF format.
• If the document has information on both sides, images of both sides must be provided.
• The image must be in color, with a minimum resolution of 300 DPI or file size of at least 100 KB.
• All document details must be readable.
• The entire document, including all corners, must be visible—no cropping, obstructions, or foreign elements.
• The image must not be digitally altered or edited.
• Digital documents are not accepted unless explicitly allowed.

Address verification

BVNK automatically verifies addresses during onboarding. The verification method depends on the customer's country of residence:

• Non-documentary automatic check: BVNK attempts to verify the customer's address using data sources for supported countries. No document is required from the customer. This check is triggered automatically when you submit the KYC pack: the personal and CDD information described earlier.

  The following EU countries support non-documentary address verification:

  • Norway
  • Poland
  • Portugal
  • Spain
  • Sweden
  • Switzerland

  Individuals from all other EU/EEA countries require a Proof of Address document.

• Proof of Address document (PoA): If non-documentary verification is unavailable or fails, BVNK requires a Proof of Address document and provides a WebSDK link for document collection.

BVNK selects the verification method automatically; you do not need to choose the process.

warning

If your customers reside outside the EU/EEA, contact your BVNK integration manager to confirm the address verification behaviour for your programme.

Collect a Proof of Address document

If a PoA document is required and not provided, BVNK returns a WebSDK link in the API response. You have two options:

• Option A: Redirect the customer to the BVNK WebSDK URL provided in the API response. The customer uploads their PoA document using BVNK's hosted interface. No further API calls are required.
• Option B: Collect the document in your interface and submit it to BVNK using the document upload API endpoint.

Proof of Address documents

Proof of Address and Proof of Residence refer to the same requirement. When submitting a PoA document via the API (Option B), use one of the following documentType values:

documentType value	Document category	Accepted examples
UTILITY_BILL	Utility provider documents	Electricity, water, gas, heating, or sewerage bill; home phone or internet bill (not mobile or wireless); TV bill (not satellite)
BANK_STATEMENT	Bank documents	Bank statement; bank letter or correspondence; mortgage payment document; passbook

warning

When submitting a PoA document via the API, do not use "documentType": "PROOF_OF_RESIDENCE". This value won't be accepted by the API.

Your customers may provide additional document types, including government-issued statements, employer letters, and lease agreements via the BVNK WebSDK (Option A). Note that these types are not available as direct API enum values.

All PoA documents must:

• Be issued within the last 3 months.
• Clearly show the customer's full name and residential address.
• Not use a PO box address.
• Be submitted in JPG, PNG, or PDF format (max 50 MB).