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Individual Customer APIs (B2C)

Complete API reference for individual customer lifecycle management, from registration through account activation and beyond.
Base URL: https://sandbox.finhub.cloud/api/v2.1/customer/individual
For complete details on authentication and headers, refer to the Standard HTTP Headers reference documentation.

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Complete Customer Journey

The individual customer onboarding flow consists of 7 phases:
PhaseEndpointTimePrerequisitesStatus After
1. CategorizationGET /categorization/hierarchy< 1 minAPI credentialsCategory selected
2. RegistrationPOST /registration< 1 minCategory IDCustomer created, wallet created (INACTIVE)
3. SessionPOST /{customerId}/users/{userId}/sessionsInstantValid credentialsJWT token obtained
4. VerificationPOST /{customerId}/verification1-3 daysDocuments uploadedVerification submitted
5. DocumentsPOST /{customerId}/documents< 5 minIdentity docs readyDocuments submitted for review
6. ConsentsPOST /{customerId}/consents/*< 5 minT&C, Privacy, DPAAll 3 consents accepted
7. ActivationPOST /{customerId}/activationInstantAll above completeAccount ACTIVE, wallet ACTIVE
Total Time: 1-3 business days (mostly verification wait time)

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Quick Start Guide

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Step 1: Get Categorization

curl -X GET "https://sandbox.finhub.cloud/api/v2.1/customer/categorization/hierarchy" \
  -H "X-Tenant-ID: YOUR_TENANT_ID"

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Step 2: Register Customer

curl -X POST "https://sandbox.finhub.cloud/api/v2.1/customer/individual/registration" \
  -H "X-Tenant-ID: YOUR_TENANT_ID" \
  -H "Content-Type: application/json" \
  -d '{ "email": "[email protected]", "categoryId": "cat_123", ... }'

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Step 3-7: Complete Flow

See individual endpoint documentation below.

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API Endpoints by Phase

Categorization

Get category hierarchy and features (Required first step)

Registration

Register new individual customers

Sessions

Manage customer authentication sessions

Verification

Initiate and manage identity verification

Activation

Activate verified customer accounts

Documents

Upload and manage customer documents

Consents

Manage terms, privacy, and data processing consents

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Prerequisites Before Starting

  • API credentials obtained (Tenant ID, API keys)
  • Understanding of customer categorization (risk levels)
  • Customer information collected (KYC data)
  • Identity documents ready (passport/ID, proof of address)

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Customer Lifecycle Flow

Standard Headers

Required HTTP headers for all endpoints

API Schema Mapping

Complete OpenAPI specifications

Organization APIs

B2B customer management

Financial Operations

Wallet and payment operations

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Changelog

VersionDateChanges
v1.02026-01-13Enhanced individual customer API overview