For individual customers

• 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. Requirements differ by onboarding model:

• BVNK-Managed: You submit structured data and raw identity documents (ID front/back, selfie, proof of address). BVNK performs identity verification (ID&V) via partner services.
• Partner-managed: Available to regulated partners with an appropriate AML programme. You perform ID&V on your side and pass verification metadata (document type, number, expiry, liveness timestamp, address verification type) plus a risk score and EDD attestation to BVNK. No ID documents, selfies, or proofs of address are uploaded.

BVNK-Managed

Required personal information

Personal information

Field / Type	Required	Notes / Conditions	Example
First Name individual.firstName	✅		John
Last Name individual.lastName	✅		Syme
Date of Birth individual.dateOfBirth	✅		1990-05-15
Nationality individual.nationality	✅	ISO 3166-1 Alpha-2	US
Country of Birth individual.birthCountryCode	✅	ISO 3166-1 Alpha-2	US

Contact information

Field / Type	Required	Notes / Conditions	Example
Email Address individual.emailAddress	✅		user@example.com

Address information

Field / Type	Required	Notes / Conditions	Example
Street Address individual.address.addressLine1	✅		221B Baker Street
City individual.address.city	✅		Syracuse
Postal Code individual.address.postalCode	✅		12345
State individual.address.stateCode	☑️ Conditional	Mandatory for US residents	New York
Country individual.address.countryCode	✅	ISO 3166-1 Alpha-2	US

Tax identification

Field / Type	Required	Notes / Conditions	Example
Tax ID Number individual.taxIdentification.number	✅	Social Security Number (SSN) or ITIN for the US residents. tax number for rest of the world	123-45-6789

Customer Due Diligence Information (CDD)

Field / Type	Required	Notes / Conditions	Example
Intended Use of Account individual.cdd.intendedUseOfAccount	✅	See the API reference for the list of supported values.	INVESTMENTS
Employment Status individual.cdd.employmentStatus	✅	See the API reference for the list of supported values.	SALARIED
Source of Funds individual.cdd.sourceOfFunds	✅	See the API reference for the list of supported values.	SALARY
PEP Status individual.cdd.pepStatus	✅	See the API reference for the list of supported values.	NOT_PEP
Estimated Yearly Income individual.cdd.estimatedYearlyIncome	☑️ Conditional	Mandatory for US residents. See the API reference for the list of supported values.	INCOME_0_TO_50K
Employment Industry Sector individual.cdd.employmentIndustrySector	☑️ Conditional	Mandatory for US residents. See the Industry references for the complete list.	AGRICULTURE_FORESTRY_FISHING_HUNTING

{
  "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"
}

Identity verification

BVNK routes each customer to the appropriate identity verification path automatically. You do not need to determine which path applies.

SSN holders (US residents)

BVNK first attempts non-documentary identity verification of holders of a Social Security Number (SSN). No document is required from the customer at this stage.

• If the check passes, identity verification is complete. No identity document or selfie is required.
• If the check fails, the customer is placed in the INFO_REQUIRED status. An identity document and selfie are required to proceed.
• If Enhanced Due Diligence (EDD) is triggered automatically, an identity document and selfie are required regardless of the non-documentary outcome.

Non-SSN holders

Documentary verification is performed. An identity document and selfie are always required.

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	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, all submitted documents must meet the following standards:

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 and validity details: issue or expiry date.

If the document contains information on both sides, images of both the front and back must be provided.

Photo requirements:

• The document image must be a high-quality original photo or scan. Screenshots or images from social media are not allowed.
• Accepted formats: JPG, JPEG, PNG, or PDF.
• 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:

  • Austria
  • Belgium
  • Denmark
  • Finland
  • France
  • Germany
  • Italy
  • Netherlands
  • 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 (or sometimes 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).

Partner-managed

Under the Partner-managed model, you perform identity verification on your side and submit verification metadata to BVNK together with the customer's personal and CDD data. No ID documents, selfies, or proofs of address are uploaded.

Required personal information

Personal information

Field / Type	Required	Notes / Conditions	Example
First Name individual.firstName	✅		Walton
Last Name individual.lastName	✅		Simmons
Date of Birth individual.dateOfBirth	✅		1985-08-15
Nationality individual.nationality	☑️ Conditional	Mandatory for EU. ISO 3166-1 Alpha-2.	AT
Country of Birth individual.birthCountryCode	☑️ Conditional	Mandatory for EU. ISO 3166-1 Alpha-2.	IT

Contact information

Field / Type	Required	Notes / Conditions	Example
Email Address individual.emailAddress	✅		wsimmons@example.com
Phone Number individual.phoneNumber	✅		+1234567890

Address information

Field / Type	Required	Notes / Conditions	Example
Street Address individual.address.addressLine1	✅		123 Main Street
City individual.address.city	✅		New York
Postal Code individual.address.postalCode	✅		10001
State individual.address.stateCode	☑️ Conditional	Mandatory for US residents	NY
Country individual.address.countryCode	✅	ISO 3166-1 Alpha-2	US

Tax identification

Field / Type	Required	Notes / Conditions	Example
Tax ID Number individual.taxIdentification.number	✅	Social Security Number (SSN) or ITIN for the US residents. tax number for rest of the world	123-45-6789

Customer Due Diligence Information (CDD)

Field / Type	Required	Notes / Conditions	Example
Intended Use of Account individual.cdd.intendedUseOfAccount	✅	See the API reference for the list of supported values.	GOODS_SERVICES
Employment Status individual.cdd.employmentStatus	✅	See the API reference for the list of supported values.	SALARIED
Source of Funds individual.cdd.sourceOfFunds	✅	See the API reference for the list of supported values.	SALARY
PEP Status individual.cdd.pepStatus	✅	See the API reference for the list of supported values.	NOT_PEP
Expected Monthly Volume individual.cdd.expectedMonthlyVolume	☑️ Conditional	Object { amount, currency }. Mandatory for EU residents.	{ "amount": "10000.01", "currency": "USD" }
Estimated Yearly Income individual.cdd.estimatedYearlyIncome	☑️ Conditional	Mandatory for US residents. See the API reference for the list of supported values.	INCOME_0_TO_50K
Employment Industry Sector individual.cdd.employmentIndustrySector	☑️ Conditional	Mandatory for US residents. See the Industry references for the complete list.	AGRICULTURE_FORESTRY_FISHING_HUNTING

Reliance metadata

The reliance object transmits pre-verified ID&V outcomes and the risk attestation to BVNK in place of raw documents.

Identity document metadata

Field	Required	Notes / Conditions
Type reliance.identityDocumentMetadata.type	✅	Not required for US residents when SSN is provided. See the API reference for the list of supported values.
Number reliance.identityDocumentMetadata.number	✅	Document number.
Expiry Date reliance.identityDocumentMetadata.expiryDate	☑️ Conditional	Format YYYY-MM-DD. Mandatory for all document types except ID_CARD and OTHER.
Issue Date reliance.identityDocumentMetadata.issueDate	❌	Format YYYY-MM-DD.
Issuing Country Code reliance.identityDocumentMetadata.issuingCountryCode	✅	ISO 3166-1 Alpha-2.
KYC Timestamp reliance.identityDocumentMetadata.kycTimestamp	✅	ISO 8601 timestamp of the KYC identity verification.

Biometric / liveness

Field	Required	Notes / Conditions
Liveness Timestamp reliance.biometricLiveness.livenessTimestamp	☑️ Conditional	ISO 8601. Mandatory for EU residents.

Address verification

Field	Required	Notes / Conditions
Type reliance.addressVerification.type	✅	See the API reference for the list of supported values.

Attestation

Field	Required	Notes / Conditions
Risk Score reliance.attestation.riskScore	✅	Your internal risk rating for this customer. See the API reference for the list of supported values.
EDD Completed reliance.attestation.eddCompleted	✅	Boolean (true, false). Confirms EDD has been performed where required. BVNK doesn't verify attestations in this flow.

{
  "type": "individual",
  "individual": {
    "description": "Investments",
    "firstName": "Walton",
    "lastName": "Simmons",
    "dateOfBirth": "1985-08-15",
    "nationality": "AT",
    "birthCountryCode": "IT",
    "emailAddress": "wsimmons@example.com",
    "phoneNumber": "+1234567890",
    "address": {
      "addressLine1": "123 Main Street",
      "postalCode": "10001",
      "city": "New York",
      "countryCode": "US"
    },
    "taxIdentification": {
      "number": "123-45-6789",
      "taxResidenceCountryCode": "US"
    },
    "cdd": {
      "employmentStatus": "SALARIED",
      "sourceOfFunds": "SALARY",
      "pepStatus": "NOT_PEP",
      "intendedUseOfAccount": "GOODS_SERVICES",
      "expectedMonthlyVolume": {
        "amount": "10000.01",
        "currency": "USD"
      },
      "estimatedYearlyIncome": "INCOME_0_TO_50K",
      "employmentIndustrySector": "AGRICULTURE_FORESTRY_FISHING_HUNTING"
    },
    "reliance": {
      "identityDocumentMetadata": {
        "type": "PASSPORT",
        "number": "AB1234567",
        "issueDate": "2015-10-01",
        "expiryDate": "2030-12-31",
        "issuingCountryCode": "DE",
        "kycTimestamp": "2025-11-20T15:30:45.123Z"
      },
      "biometricLiveness": {
        "livenessTimestamp": "2025-11-20T15:30:45.123Z"
      },
      "addressVerification": {
        "type": "NON_DOC"
      },
      "attestation": {
        "riskScore": "LOW",
        "eddCompleted": true
      }
    }
  },
  "signedAgreementSessionReference": "78eedde1-2402-4a59-8bbd-ccecb6d612d1"
}

warning

Any attempt to upload customer documents via POST /platform/v1/customers/{customerReference}/documents is rejected under the Partner-managed model — identity verification has already been performed on your side.

Appendix

Non-MTL US States

Additional mandatory requirements apply to Social Security Number (SSN) holders whose state of domicile is not covered by BVNK's Money Transmitter License (MTL).

Field	Allowed values
estimated_yearly_income	INCOME_0_TO_50K, INCOME_50K_TO_100K, INCOME_100K_TO_250K, INCOME_250K_TO_500K, INCOME_500K_TO_750K, INCOME_750K_TO_1M, INCOME_ABOVE_1M
employment_industry_sector	INVESTMENT, HEDGE_FUND, MONEY_SERVICE_BUSINESS, STO_ISSUER, PRECIOUS_METALS, NON_PROFIT, REGISTERED_INVESTMENT_ADVISOR, AGRICULTURE_FORESTRY_FISHING_HUNTING, MINING, UTILITIES, CONSTRUCTION, MANUFACTURING, WHOLESALE_TRADE, RETAIL_TRADE, TRANSPORTATION_WAREHOUSING, INFORMATION, FINANCE_INSURANCE, REAL_ESTATE_RENTAL_LEASING, PROFESSIONAL_SCIENTIFIC_TECHNICAL_SERVICES, MANAGEMENT_OF_COMPANIES_ENTERPRISES, ADMINISTRATIVE_SUPPORT_WASTE_MANAGEMENT_REMEDIATION_SERVICES, EDUCATIONAL_SERVICES, HEALTH_CARE_SOCIAL_ASSISTANCE, ARTS_ENTERTAINMENT_RECREATION, ACCOMMODATION_FOOD_SERVICES, OTHER_SERVICES, PUBLIC_ADMINISTRATION, NOT_CLASSIFIED, ADULT_ENTERTAINMENT, AUCTIONS, AUTOMOBILES, BLOCKCHAIN, CRYPTO, DRUGS, EXPORT_IMPORT, E_COMMERCE, FINANCIAL_INSTITUTION, GAMBLING, INSURANCE, MARKET_MAKER, SHELL_BANK, TRAVEL_TRANSPORT, WEAPONS

BVNK's onboarding orchestration surfaces these fields at the point of the customer creation where applicable. You do not need to determine eligibility in your integration.