Creating a Customer

Overview

Use the POST /api/customers endpoint to create a new customer. If using Cybrid Platform for KYC, specify only the customer type (individual or business).

⚠️

Customer GUID is tied to a legal entity

A Cybrid customer GUID represents a specific legal entity and its verified compliance record. If there is a change in ownership or the legal entity, you must create a new customer (new GUID) and complete a full KYB workflow for the new entity. Reusing an existing customer GUID for a new owner or legal entity is not permitted, as compliance records and risk assessments are tied to the original entity.

Creating an Individual Customer

All individual customers must complete Cybrid's KYC process.

{
  "type": "individual"
}

To verify the customer exists, call GET /api/customers to list all customers attached to your bank. The response includes:

{
  "total": 0,
  "page": 0,
  "per_page": 0,
  "objects": [
    {
      "guid": "customer_guid",
      "bank_guid": "bank_guid",
      "type": "individual",
      "created_at": "2022-05-13T13:55:08.460Z",
      "state": "unverified"
    }]
}

Creating a Business Customer

All business customers must complete Cybrid's KYB process.

{
  "type": "business"
}

To verify the customer exists, call GET /api/customers. The response includes:

{
  "total": 0,
  "page": 0,
  "per_page": 0,
  "objects": [
    {
      "guid": "customer_guid",
      "bank_guid": "bank_guid",
      "type": "business",
      "created_at": "2022-05-13T13:55:08.460Z",
      "state": "unverified"
    }]
}

Customer States

A customer progresses through these states:

• storing -- The platform is still storing the customer record.
• unverified -- The customer has been stored and is ready for identity verification.
• verified -- The customer has passed identity verification.
• rejected -- The customer failed identity verification.
• frozen -- The customer account has been frozen.

After creating a customer, proceed to identity verification.