Individual Account Creation and Onboarding

Account Creation and Onboarding

You must integrate these calls onto your platform. Additionally, refer to the API reference document to identify the mandatory parameters for implementation.

Individual Account Creation and Onboarding for KYC (Know Your Customer) is the process through which Lemonway collects and verifies the identity and other relevant information of a new customer before allowing them to open an account. This process is crucial for ensuring compliance with regulatory requirements, preventing fraud, and managing risk. It typically involves gathering personal details, such as name, address, date of birth, and identification documents, and may include additional steps like biometric verification or credit checks.

Account Creation endpoint

POST /accounts/individual

RESPONSE: Id , status and profileStatusWhen an account is created using the /accounts/individual endpoint. If an individual has not been previously onboarded and needs to go through a complete onboarding process, the status returned is WAITING_INFORMATION

Description: This method provides the minimum necessary information required to create an individual account at Lemonway. This is the first step for any onboarding of a new user. With this information, we can initiate the onboarding process. If a KYC onboarding is required, you can generate an Onboarding page link associated with this account. This link can then be sent to your user to submit the essential data and documents needed for legal onboarding.

Example:

{
    "individual": {
        "firstName":  "Johnathan",
        "lastName": "Lamary",
        "birthDate": "1973-06-01T10:10:57.870Z",
        "email": "JLamry55@gmail.com",
        "birthCity": "Paris",
        "birthCountry": "FR",
        "phoneNumber": "+33675869559",
        "nationalities": [
            "FR",
            "GB"
        ],
        "address": {
            "street": "24 rue des peupliers",
            "complementaryStreetInfo": "bis",
            "postalCode": "92130",
            "city": "Issy",
            "residenceCountry": "FR"
        },
  },
 			 "profile": "PROJECT_HOLDER",
  		"walletId": "f2470b35-4dd4-4fe1-bab2-f8c763ebcef5" "solutionName": "lemonway"
}

Onboarding endpoint

If an individual has not previously set up an account, you will need to call the onboardings endpoint. This will c

POST /onboardings/individual

RESPONSE: Generates a unique id and urlthat corresponds to the individual account. You can add this URL to a redirect page, enabling the individual to finalise the onboarding process.

Information Box

Description: This call is required when an individual has created an account and the status returned is onboarding required. The information required by the individual enables Lemonway to assess the information and verify it.

Example:

{
    "individual": {
        "firstName":  "Johnathan",
        "lastName": "Lamary",
        "birthDate": "1973-06-01T10:10:57.870Z",
        "email": "JLamry55@gmail.com",
        "birthCity": "Paris",
        "birthCountry": "FR",
        "phoneNumber": "+33675869559",
        "nationalities": [
            "FR",
            "GB"
        ],
        "address": {
            "street": "24 rue des peupliers",
            "complementaryStreetInfo": "bis",
            "postalCode": "92130",
            "city": "Issy",
            "residenceCountry": "FR"
        },
        "politicalExposure": {
            "startDate": "2023-06-01T10:10:57.870Z",
            "endDate": "2029-06-01T10:10:57.870Z",
            "position": "POLITICAL_LEADER",
            "status": "YES"
        },
        "financialSituation": {
            "annualRevenue": "FIRST_TIER",
            "estimatedWealth": "FIRST_TIER",
            "hasIFItax": true,
            "taxCode": "235 6376"
        },
        "legalCapacity": {
            "type": "PROTECTED_ADULT"
        },
        "professionalSituation": {
            "activity": "69"
        }
    },
    "project": {
        "type": "WEDDING",
        "weddingRelation": "BRIDE_GROOM",
        "description": "project description",
        "website": "project.url"
    }
}

Resume endpoint

During the onboarding process a user's progress is automatically backed-up, there is also a save feature if the user wants to manually save their progress. The resume endpoint allows an individual to pick up right where they left off.

GET GET/onboardings/{id}/resume

RESPONSE: Generates a unique urlthat corresponds to the individual's online onboarding progress.

{
    "url": "https://onboarding.lemonway.com/t2/e35ffdb3-b185-42fe-8413-06ecba7b2d30/welcome"
}