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Individual Customer (B2C) Flow

Complete end-to-end guide for onboarding individual (B2C) customers - from registration through to active payment operations.

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Flow Overview

The Individual Customer flow encompasses the complete customer journey from initial registration through to active wallet operations and payments. This is a LINEAR FLOW with strict prerequisites at each stage.

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Timeline

Registration → Verification → Consent → Activation → Operations
   (5 min)      (1-3 days)    (5 min)   (instant)    (ongoing)

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Key Characteristics

CharacteristicDescription
Risk-Based ProcessingHigh-risk customers require power tenant approval
Consent-DrivenOperations blocked until required consents accepted
Smart CategorizationFeature-based customer categorization
State MachineStrict state transitions with no backward movement
Tenant IsolationComplete tenant-level data isolation

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The 7 Phases

1

Phase 1: Registration & Onboarding

Create customer record, user credentials, and default inactive wallet with optional categorization assignment.Key Endpoint: POST /api/v2.1/customer/individual/registrationDuration: ~5 minutes
2

Phase 2: Session Management

Authenticate user and generate JWT token for subsequent API calls.Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/users/{userId}/sessionsDuration: Instant
3

Phase 3: Verification Process

Submit identity documents and await approval. High-risk customers require POWER_TENANT approval.Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/verificationDuration: 1-3 business days
4

Phase 4: Consent Management

Accept three mandatory consents: Terms & Conditions, Privacy Policy, Data Processing.Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/consents/{type}Duration: ~5 minutes
5

Phase 5: Account Activation

Activate customer account, generate IBAN, and activate wallet.Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/activationDuration: Instant
6

Phase 6: Wallet Operations

Query balance, check allowed operations, and view transaction limits.Key Endpoint: GET /api/v2.1/fintrans/{accountId}/balanceDuration: Ongoing
7

Phase 7: Payment Operations

Add beneficiaries, prepare orders, and execute transfers.Key Endpoint: POST /api/v2.1/fintrans/{accountId}/types/transfer/executeDuration: Ongoing

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Critical Prerequisites

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For Registration

  • Valid email address
  • Strong password (min 8 chars, mixed case, numbers, special chars)
  • Tenant access credentials

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For Verification

  • Customer record created
  • Valid session token

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For Activation

ALL prerequisites must be met:
  1. Verification status: APPROVED
  2. Terms & Conditions: ACCEPTED
  3. Privacy Policy: ACCEPTED
  4. Data Processing: ACCEPTED
  5. Customer status: Not already ACTIVE

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For Operations

  • Active wallet
  • Valid payment consents
  • Pre-registered beneficiaries

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Phase Navigation

Phase 1: Registration

Customer registration with categorization

Phase 2: Session Management

Authentication and JWT tokens

Phase 3: Verification

KYC verification process

Phase 4: Consent Management

Mandatory consent acceptance

Phase 5: Activation

Account activation & IBAN generation

Phase 6: Wallet Operations

Balance and allowed operations

Phase 7: Payment Operations

Beneficiaries and transfers

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Quick Reference: All Endpoints

PhaseEndpointMethodDescription
1/api/v2.1/customer/individual/categorization/hierarchy/{tenantId}GETGet categorization options
1/api/v2.1/customer/individual/registrationPOSTRegister customer
2/api/v2.1/customer/individual/{customerId}/users/{userId}/sessionsPOSTCreate session (login)
2/api/v2.1/customer/individual/{customerId}/users/{userId}/sessions/{sessionId}DELETEDelete session (logout)
3/api/v2.1/customer/individual/{customerId}/verification/initiatePOSTInitiate verification
3/api/v2.1/customer/individual/{customerId}/verificationPOSTSubmit verification
3/api/v2.1/verifications/{verificationId}GETCheck verification status
4/api/v2.1/customer/individual/{customerId}/consents/termsPOSTAccept terms
4/api/v2.1/customer/individual/{customerId}/consents/privacyPOSTAccept privacy
4/api/v2.1/customer/individual/{customerId}/consents/data-processingPOSTAccept data processing
5/api/v2.1/customer/individual/{customerId}/activationPOSTActivate customer
6/api/v2.1/fintrans/{accountId}/balanceGETGet balance
6/api/v2.1/fintrans/{accountId}/allowed-operationsGETGet allowed operations
7/api/v2.1/fintrans/{accountId}/beneficiariesPOSTAdd beneficiary
7/api/v2.1/fintrans/{accountId}/types/transfer/preparePOSTPrepare transfer
7/api/v2.1/fintrans/{accountId}/types/transfer/executePOSTExecute transfer