POST /customers

Create an individual or business customer. Every field below is accepted. Some are forwarded to verification. Some are stored verbatim and echoed on GET but don't influence onboarding decisions. Those are listed under Accepted but ignored (individual) and Accepted but ignored (business).

Request: Individual (type: "individual")

account_purpose (individual)

• charitable_donations
• ecommerce_retail_payments
• investment_purposes
• operating_a_company
• other
• payments_to_friends_or_family_abroad
• personal_or_living_expenses
• protect_wealth
• purchase_goods_and_services
• receive_payment_for_freelancing
• receive_salary

source_of_funds (individual)

• company_funds
• ecommerce_reseller
• gambling_proceeds
• gifts
• government_benefits
• inheritance
• investments_loans
• pension_retirement
• salary
• sale_of_assets_real_estate
• savings
• someone_elses_funds

Example: Individual

{
  "type": "individual",
  "first_name": "Alice",
  "last_name": "Zhang",
  "email": "alice@example.com",
  "phone": "+14155550100",
  "birth_date": "1990-04-01",
  "residential_address": {
    "street_line_1": "1 Market St",
    "city": "San Francisco",
    "subdivision": "US-CA",
    "postal_code": "94105",
    "country": "USA"
  },
  "account_purpose": "purchase_goods_and_services",
  "employment_status": "employed",
  "expected_monthly_payments_usd": "5000_9999",
  "source_of_funds": "salary",
  "nationality": "USA",
  "endorsements": ["base"],
  "identifying_information": [
    {
      "type": "ssn",
      "issuing_country": "USA",
      "number": "111-22-3333"
    }
  ]
}

curl -X POST "$BASE_URL/customers" \
  -H "Api-Key: $SEISMIC_ORCHESTRATION_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "individual",
    "first_name": "Alice",
    "last_name": "Zhang",
    "email": "alice@example.com",
    "birth_date": "1990-04-01",
    "residential_address": {
      "street_line_1": "1 Market St",
      "city": "San Francisco",
      "subdivision": "US-CA",
      "postal_code": "94105",
      "country": "USA"
    },
    "account_purpose": "purchase_goods_and_services",
    "employment_status": "employed",
    "expected_monthly_payments_usd": "5000_9999",
    "source_of_funds": "salary"
  }'

Accepted but ignored (individual)

Stored on the customer row and echoed on GET. Not forwarded to verification and not used for onboarding decisions.

Request: Business (type: "business")

account_purpose (business)

• charitable_donations
• ecommerce_retail_payments
• investment_purposes
• other
• payments_to_friends_or_family_abroad
• payroll
• personal_or_living_expenses
• protect_wealth
• purchase_goods_and_services
• receive_payments_for_goods_and_services
• tax_optimization
• third_party_money_transmission
• treasury_management

high_risk_activities

• adult_entertainment
• gambling
• hold_client_funds
• investment_services
• lending_banking
• marijuana_or_related_services
• money_services
• nicotine_tobacco_or_related_services
• operate_foreign_exchange_virtual_currencies_brokerage_otc
• pharmaceuticals
• precious_metals_precious_stones_jewelry
• safe_deposit_box_rentals
• third_party_payment_processing
• weapons_firearms_and_explosives
• none_of_the_above

source_of_funds (business)

• business_loans
• grants
• inter_company_funds
• investment_proceeds
• legal_settlement
• owners_capital
• pension_retirement
• sale_of_assets
• sales_of_goods_and_services
• third_party_funds
• treasury_reserves

Example: Business

{
  "type": "business",
  "business_legal_name": "Seismic Systems Inc.",
  "business_description": "Stablecoin payment infrastructure.",
  "email": "ops@example.com",
  "business_type": "corporation",
  "primary_website": "https://seismic.systems",
  "registered_address": {
    "street_line_1": "1 Market St",
    "city": "San Francisco",
    "subdivision": "US-CA",
    "postal_code": "94105",
    "country": "USA"
  },
  "business_industry": ["522320"],
  "estimated_annual_revenue_usd": "1000000_9999999",
  "expected_monthly_payments_usd": 500000,
  "account_purpose": "treasury_management",
  "high_risk_activities": ["none_of_the_above"],
  "source_of_funds": "owners_capital",
  "ownership_threshold": 25,
  "endorsements": ["base"],
  "associated_persons": [
    {
      "first_name": "Alice",
      "last_name": "Zhang",
      "email": "alice@example.com",
      "birth_date": "1990-04-01",
      "residential_address": {
        "street_line_1": "1 Market St",
        "city": "San Francisco",
        "subdivision": "US-CA",
        "postal_code": "94105",
        "country": "USA"
      },
      "has_ownership": true,
      "has_control": true,
      "is_signer": true,
      "title": "CEO",
      "ownership_percentage": 60
    }
  ]
}

Accepted but ignored (business)

Stored on the customer row and echoed on GET. Not forwarded to verification and not used for onboarding decisions.

What we forward vs. store

The compat layer accepts every Bridge field and stores it. What's forwarded to verification is a narrower core: identity, address, birth_date, email, endorsements, account_purpose, source_of_funds, employment_status (individual), business_type / business_industry / estimated_annual_revenue_usd (business), identifying_information, documents, and the full associated_persons array for businesses. Everything outside that set is listed above under Accepted but ignored.

Response (201)

Returns the Customer object. The response shape is the same as GET /customers/{id}.