> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# Organization Customer (B2B) Flow

> Complete lifecycle guide for Organization customer onboarding and operations

# Organization Customer (B2B) Flow

Complete end-to-end guide for onboarding organization (B2B) customers - from registration through to active transaction operations.

## Flow Overview

The Organization Customer flow is more complex than individual customers, involving multiple stakeholders (employees, directors, shareholders) and additional compliance requirements.

```mermaid theme={null}
flowchart LR
    A[Registration] --> B[Personnel]
    B --> C[Verification]
    C --> D[Consents]
    D --> E[Activation]
    E --> F[Beneficiaries]
    F --> G[Payment Consent]
    G --> H[Transactions]
    
    style A fill:#e3f2fd
    style B fill:#e3f2fd
    style C fill:#fff8e1
    style D fill:#fff8e1
    style E fill:#e8f5e9
    style F fill:#e8f5e9
    style G fill:#e8f5e9
    style H fill:#e8f5e9
```

## Timeline

```
Registration → Personnel → Verification → Consent → Activation → Operations
   (10 min)     (20 min)    (2-5 days)    (10 min)   (instant)    (ongoing)
```

## Key Characteristics

| Characteristic                  | Description                                             |
| ------------------------------- | ------------------------------------------------------- |
| **Multi-Stakeholder**           | Employees, Directors, Shareholders                      |
| **Role-Based Access**           | COMPLIANCE\_OFFICER, TRANSACTION\_APPROVER, ADMIN\_USER |
| **Dual Record Creation**        | Organization + Individual records for personnel         |
| **Enhanced Verification**       | KYB (Know Your Business) + UBO verification             |
| **Categorization-Based Limits** | Transaction limits based on risk category               |
| **Tenant-Level Approval**       | Medium-risk approved by tenant admin                    |

***

## The 8 Phases

<Steps>
  <Step title="Phase 1: Organization Registration">
    Create organization record with legal information, addresses, and representatives.

    **Key Endpoint:** `POST /api/v2.1/customer/organization/registration`

    **Duration:** \~10 minutes
  </Step>

  <Step title="Phase 2: Personnel Management">
    Add directors, shareholders, and employees. Each creates an individual customer record.

    **Key Endpoints:**

    * `POST /api/v2.1/customer/organization/{orgId}/director`
    * `POST /api/v2.1/customer/organization/{orgId}/shareholders`
    * `POST /api/v2.1/customer/organization/{orgId}/employee`

    **Duration:** \~20 minutes
  </Step>

  <Step title="Phase 3: Organization Verification">
    KYB verification with business documents and UBO verification.

    **Key Endpoint:** `POST /api/v2.1/customer/organization/{orgId}/verify`

    **Duration:** 2-5 business days
  </Step>

  <Step title="Phase 4: Consent Management">
    Accept organization-level consents with authorized signatory details.

    **Key Endpoint:** `POST /api/v2.1/customer/organization/{orgId}/consents/{type}`

    **Duration:** \~10 minutes
  </Step>

  <Step title="Phase 5: Organization Activation">
    Validate roles, activate organization, generate IBAN and wallet.

    **Key Endpoint:** `POST /api/v2.1/customer/organization/{orgId}/activation`

    **Duration:** Instant
  </Step>

  <Step title="Phase 6: Beneficiary Management">
    Add business beneficiaries with enhanced due diligence.

    **Key Endpoint:** `POST /api/v2.1/fintrans/{accountId}/beneficiaries`

    **Duration:** Ongoing
  </Step>

  <Step title="Phase 7: Payment Consent Setup">
    Create payment consents with limits and beneficiary restrictions.

    **Key Endpoint:** `POST /api/v2.1/fintrans/{walletId}/payment-consents/types/transfer`

    **Duration:** \~5 minutes
  </Step>

  <Step title="Phase 8: Transaction Operations">
    Fund wallet, prepare transfers, execute payments with document requirements.

    **Key Endpoint:** `POST /api/v2.1/fintrans/{accountId}/types/transfer/execute`

    **Duration:** Ongoing
  </Step>
</Steps>

***

## Critical Prerequisites

### For Registration

* Legal documents (registration number, tax ID)
* Registered address
* Contact person details
* Representatives information

### For Personnel

* Organization must be registered
* Valid admin session

### For Activation

<Warning>
  **ALL prerequisites must be met:**

  1. User has `COMPLIANCE_OFFICER` or `ADMIN_USER` role
  2. Organization status: Not already `ACTIVE`
  3. Verification: `APPROVED`
  4. Role requirements met for business type
  5. Organization consents: All three `ACCEPTED`
</Warning>

### For Transactions

* Active wallet
* Payment consents in place
* Pre-registered beneficiaries
* Supporting documents (for high-value)

***

## B2B vs B2C Key Differences

| Aspect             | Organization (B2B)                          | Individual (B2C)      |
| ------------------ | ------------------------------------------- | --------------------- |
| **Registration**   | Requires separate personnel endpoints       | Single endpoint       |
| **Personnel**      | Directors, Shareholders, Employees          | N/A                   |
| **First Employee** | Must have `ADMIN_USER` role                 | N/A                   |
| **Verification**   | KYB (Business + UBO)                        | KYC (Identity)        |
| **Consent Format** | Requires `acceptedBy` + `acceptedDate`      | `accepted: true` only |
| **Activation**     | Requires `activationReason` + admin headers | Simple code           |
| **Documents**      | Additional metadata fields                  | Basic fields          |

***

## Phase Navigation

<CardGroup cols={2}>
  <Card title="Phase 1: Registration" icon="building" href="/baas/api/integration/flows/organization-customer/registration">
    Organization registration with legal details
  </Card>

  <Card title="Phase 2: Personnel" icon="users" href="/baas/api/integration/flows/organization-customer/personnel-management">
    Directors, shareholders, employees
  </Card>

  <Card title="Phase 3: Verification" icon="file-check" href="/baas/api/integration/flows/organization-customer/verification">
    KYB verification process
  </Card>

  <Card title="Phase 4: Consents" icon="file-signature" href="/baas/api/integration/flows/organization-customer/consent-management">
    Organization consent acceptance
  </Card>

  <Card title="Phase 5: Activation" icon="check-circle" href="/baas/api/integration/flows/organization-customer/activation">
    Role validation & activation
  </Card>

  <Card title="Phase 6: Beneficiaries" icon="address-book" href="/baas/api/integration/flows/organization-customer/beneficiary-management">
    Business beneficiary management
  </Card>

  <Card title="Phase 7: Payment Consent" icon="credit-card" href="/baas/api/integration/flows/organization-customer/payment-consent-setup">
    Payment consent with restrictions
  </Card>

  <Card title="Phase 8: Transactions" icon="money-bill-transfer" href="/baas/api/integration/flows/organization-customer/transaction-operations">
    Transfers and payments
  </Card>
</CardGroup>

***

## Quick Reference: All Endpoints

| Phase | Endpoint                                                           | Method | Description              |
| ----- | ------------------------------------------------------------------ | ------ | ------------------------ |
| 1     | `/api/v2.1/customer/organization/registration`                     | POST   | Register organization    |
| 1     | `/api/v2.1/customer/organization/{orgId}`                          | GET    | Get organization details |
| 2     | `/api/v2.1/customer/organization/{orgId}/director`                 | POST   | Add director             |
| 2     | `/api/v2.1/customer/organization/{orgId}/shareholders`             | POST   | Add shareholders (bulk)  |
| 2     | `/api/v2.1/customer/organization/{orgId}/employee`                 | POST   | Add employee             |
| 3     | `/api/v2.1/customer/organization/{orgId}/verify`                   | POST   | Initiate verification    |
| 3     | `/api/v2.1/verifications/{id}/documents`                           | POST   | Upload documents         |
| 3     | `/api/v2.1/verifications/{id}/approve`                             | POST   | Approve verification     |
| 4     | `/api/v2.1/customer/organization/{orgId}/consents/terms`           | POST   | Accept terms             |
| 4     | `/api/v2.1/customer/organization/{orgId}/consents/privacy`         | POST   | Accept privacy           |
| 4     | `/api/v2.1/customer/organization/{orgId}/consents/data-processing` | POST   | Accept data processing   |
| 5     | `/api/v2.1/customer/organization/{orgId}/activation`               | POST   | Activate organization    |
| 6     | `/api/v2.1/fintrans/{accountId}/beneficiaries`                     | POST   | Add beneficiary          |
| 6     | `/api/v2.1/fintrans/{accountId}/beneficiaries`                     | GET    | List beneficiaries       |
| 7     | `/api/v2.1/fintrans/{walletId}/payment-consents/types/transfer`    | POST   | Create payment consent   |
| 8     | `/api/v2.1/fintrans/{accountId}/types/topup/prepare`               | POST   | Prepare topup            |
| 8     | `/api/v2.1/fintrans/{accountId}/types/transfer/prepare`            | POST   | Prepare transfer         |
| 8     | `/api/v2.1/fintrans/{accountId}/types/transfer/execute`            | POST   | Execute transfer         |