Step 1- Creating a Individual Lender Account

The Account Object

Before you start the onboarding and verification process, you must first create an individual account and assign it a LENDER profile with a CROWDLENDING activity.

This step covers:

Creating an individual seller account
Retrieving the account information (so you can display or store key fields on your side)

Method	Endpoint	Purpose
POST	/accounts/individual	create an individual account and assign it a LENDER profile with a CROWDLENDING activity.
GET	/accounts/{id}	Retrieve the individual account information.

1) Create an individual lender account

The /accounts/individual endpoint creates an individual lender account for a user who will lend funds to another individual.

Request

POST https://onboarding-api.lemonway.com/accounts/individual

Payload

📘
Note
It is essential to configure properties profile as "LENDER" and the activity as "CROWDLENDING".

{
    "individual": {
        "firstName": "Lucas",
        "lastName": "Moreau",
        "birthDate": "1992-06-01",
        "email": "[email protected]",
        "address": {
            "country": "FR"
        },
        "birthCountry": "FR",
        "nationalities": [
            "FR"
        ]
    },
    "profile": "LENDER",
    "walletId": "7b2e3a1d-8f9c-4e5b-bc6a-2d1f0e3a4b5c",
    "activity": "CROWDLENDING"
}

Response

Store the returned.id as the accountId.

{
    "id": "9d406f61-ddb1-437a-9b06-29291ca3b3c0",
    "status": "CREATED",
    "profileStatus": "AWAITING_INFORMATION"
}

Conceptual View 1: The Lender's Journey

To help you understand how to integrate our endpoints, we’re providing a conceptual view of what the lender's journey can look like, what the lender should expect, and how you can present this information on your platform. From the lender's perspective, it could look like the example shown.