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This requires an outsourcing agreement with Iron.

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Onboarding Lifecycle

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Optimizing Customer Identification

Leverage existing customer identity data to streamline onboarding. In optimal scenarios, this eliminates the need for redirects or third-party verification flows.

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Regulatory Framework and Data Usage

The outsourcing agreement establishes a framework for sharing customer identification data with Iron for KYC/KYB purposes. However, data collected prior to the agreement falls outside its scope. Regulatory requirements mandate that we independently verify critical identification elements through our authorized KYC providers.

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Data Collection Timeline

Example: Outsourcing agreement executed at 13:00 (UTC) on January 1, 2025:
Data TypeCollection TimeStatus
Post-AgreementAfter 13:00, Jan 1, 2025Fully compliant for Iron’s approval process
Pre-AgreementBefore 13:00, Jan 1, 2025Requires supplementary verification

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Technical Details

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Onboarding via API

The process mirrors the standard onboarding flow, with one exception: when creating an Identification, a body must be provided.

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KYC

curl --request POST \
     --header 'accept: application/json; charset=utf-8' \
     --header 'idempotency-key: <unique-request-id>' \
     --header 'x-api-key: <your-api-key>' \
     --url 'https://api.sandbox.iron.xyz/api/customers/<customer_id>/identifications' \
     --data-raw '{
       "Person": {
         "first_name": "John",
         "last_name": "Smith",
         "full_name": "John Smith",
         "date_of_birth": "1990-01-01",
         "address": {
           "address_street_1": "123 Main St",
           "address_street_2": "Apartment 1",
           "address_city": "Anytown",
           "address_state": "CA",
           "address_zip_code": "12345",
           "address_country": "US"
         },
         "email_address": "[email protected]",
         "phone_number": "+491234567899",
         "documents": [
           {
             "name": "proof_of_address.pdf",
             "file": "base64_document_without_prefix",
             "type": "ProofOfAddress"
           }
         ],
         "identity": {
           "identity_country_code": "US",
           "identity_number": "1234567894",
           "identity_document_type": "Passport",
           "identity_document_front": "base64_document_without_prefix",
           "identity_document_back": "base64_document_without_prefix",
           "selfie": "base64_document_without_prefix",
           "selfie_collected_at": "2025-04-03T13:11:02.263587+00:00",
           "ip_address": "127.0.0.1"
         },
         "person_questions": {
           "employment_status": "Employed",
           "intended_account_usage": ["EverydayPayments", "CrossBorderTransfers"],
           "monthly_income": "Between1000And2000",
           "employer_name": "Acme Inc",
           "source_of_funds": "SalaryAndWages",
           "expected_monthly_transaction_volume": "Between1000And5000",
           "pep_relationships": ["President of a country"]
         },
         "sharing_consent": true,
         "consent_collected_at": "2025-04-01T13:11:02.263655+00:00"
       }
     }'

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KYB

curl --request POST \
     --header 'accept: application/json; charset=utf-8' \
     --header 'idempotency-key: <unique-request-id>' \
     --header 'x-api-key: <your-api-key>' \
     --url 'https://api.sandbox.iron.xyz/api/customers/<customer_id>/identifications' \
     --data-raw '{
       "Business": {
         "name": "Some Business",
         "tax_identification_number": "1234567899",
         "website": "https://www.my_business.com",
         "formation_date": "2021-01-01",
         "country_code": "US",
         "state_code": "AZ",
         "business_entity_id": "1231239",
         "addresses": [
           {
             "address_street_1": "123 Main St",
             "address_street_2": "Apartment 1",
             "address_city": "Anytown",
             "address_state": "CA",
             "address_zip_code": "12345",
             "address_country": "US"
           }
         ],
         "phone_numbers": [
           "+491234567989"
         ],
         "email_addresses": [
           "info@some_business.com"
         ],
         "current_activities": {
           "primary_business_activities": "AgricultureAndForestry",
           "business_details": "Agricultural products and services",
           "main_business_countries": "US",
           "source_of_funds": [
             "RevenueFromBusinessOperations"
           ],
           "last_year_turnover": "HundredKToTwoFiftyK",
           "planned_turnover_this_year": "HundredKToTwoFiftyK",
           "regulated_or_supervised": null
         },
         "planned_activities": {
           "estimated_monthly_turnover": "HundredKToTwoFiftyK",
           "estimated_monthly_transactions": "LessThanTen",
           "source_and_destination_countries": "US"
         },
         "business_officers": [
           {
             "first_name": "John",
             "last_name": "Smith",
             "full_name": "John Smith",
             "birth_date": "1990-01-01",
             "ownership_percent": 50,
             "shares_allocated": 100,
             "roles": [
               "Director",
               "BeneficiaryOwner"
             ],
             "email": "john@my_business.com",
             "identity": {
               "identity_country_code": "US",
               "identity_number": "1234567899",
               "identity_document_type": "Passport",
               "identity_document_front": "base64_document_without_prefix",
               "identity_document_back": "base64_document_without_prefix",
               "selfie": "base64_selfie_without_prefix",
               "selfie_collected_at": "2025-04-02T13:11:02.263587+00:00",
               "ip_address": "127.0.0.1"
             },
             "address": {
               "address_street_1": "123 Main St",
               "address_street_2": "Apartment 1",
               "address_city": "Anytown",
               "address_state": "CA",
               "address_zip_code": "12345",
               "address_country": "US"
             },
             "phone_number": "+1234567897",
             "pep_relationships": [
               "President of some Nation"
             ],
             "initiator": true,
             "consent_given": true,
             "consent_collected_at": "2025-04-01T13:11:02.263655+00:00"
           }
         ],
         "documents": [
           {
             "name": "red.png",
             "file": "base64_document_without_prefix",
             "type": "BusinessRegistrationDocument"
           },
           {
             "name": "blue.png",
             "file": "base64_document_without_prefix",
             "type": "MemorandumOfAssociation"
           },
           {
             "name": "green.png",
             "file": "base64_document_without_prefix",
             "type": "ShareholdersRegistry"
           }
         ],
         "related_companies": [],
         "ip_address": "127.0.0.1"
       }
     }'
See the createCustomerIdentification endpoint for more details on each parameter.