Create Account (KYC, Individual)

Requests onboarding of an individual account whose KYC Crown runs itself.

The body carries the holder’s profile plus the identity document captured in the partner’s liveness session. Its pages travel as ids: upload each one with POST /v1/accounts/files, then reference the returned id here.

Request-first: the response describes a creation request, not an account. The request enters compliance review and the account is provisioned on approval.

Every country code in the body is ISO 3166-1 alpha-3, read regardless of case: bra is read as BRA.

Validated on this request — every rule below is answered before anything is created, so no valid body needs a round trip to discover a condition:

• The parent account must onboard accounts in kyc mode. A parent that onboards in reliance mode is refused with 403 and must use POST /v1/accounts/reliance.
• The parent must hold the subaccounts-<tier>-tier capability matching reward-tier, or the request is refused with 403.
• identifier.country must be BRA exactly when tax-residence is BRA. A BRA identifier is a CPF and must be a valid one; any other country identifies the holder by the passport that country issued.
• date-of-birth must be the birth date of someone at least 18 years old.
• address.state is required when address.country is BRA, where it must be the two-letter federal unit code (SP, RJ, MG, …). Elsewhere it is free text and optional.
• document is required. Its type must be passport for any tax residence other than BRA. back-file-id is required when type is rg, and rejected for cnh and passport, which are each read from a single page.
• When pep.declared is true, pep.full-name, pep.role and pep.relationship are all required.
• When representative is sent, its identifier must not be the holder’s.
• representative.identifier.country must be BRA exactly when representative.tax-residence is BRA, under the same rule as the holder’s. The representative’s identifier and residence are read on their own, not against the holder’s.
• representative.document, representative.address and representative.pep follow the same rules as the holder’s document, address and pep.
• Every file id referenced in document, representative.document and representative.power-of-attorney-file-id must have been uploaded by this same parent account via POST /v1/accounts/files.
• Addresses in external-wallets must be unique within the request, and none may already be registered to another account.

Idempotency: a request under the same parent with the same identifier number, whether pending, approved or active, is returned as-is with 200, instead of a second request being created.

POST /api/v1/accounts/kyc/individual

Create an individual account (kyc)

cURL

curl --request POST \
  --url https://app.crown-brlv.com/api/v1/accounts/kyc/individual \
  --header 'Content-Type: application/json' \
  --data '
{
  "identifier": {
    "value": "07051368923",
    "country": "BRA"
  },
  "tax-residence": "BRA",
  "reward-tier": 97,
  "first-name": "Maria",
  "last-name": "Silva",
  "date-of-birth": "1990-04-12",
  "address": {
    "postal-code": "01310-100",
    "line1": "Avenida Paulista, 1000",
    "city": "Sao Paulo",
    "country": "BRA",
    "line2": "<string>",
    "state": "SP"
  },
  "document": {
    "front-file-id": "ev_019712CFC86D703F85B8BDAA4FC8D254",
    "back-file-id": "ev_019712CFC86D703F85B8BDAA4FC8D254"
  },
  "liveness": {
    "id": "<string>",
    "provider": "idwall"
  },
  "pep": {
    "declared": true,
    "full-name": "<string>",
    "role": "<string>"
  },
  "financial-profile": {
    "sector": "other",
    "currency": "BRL",
    "monthly-income": 12000,
    "net-worth": 850000,
    "source-of-funds": []
  },
  "email": "[e-mail]",
  "phone": "[phone]",
  "mother-full-name": "Ana Silva",
  "external-wallets": [
    {
      "address": "0xabc...",
      "custody-country": "BRA",
      "custodian-name": "<string>"
    }
  ]
}
'

200

{
  "account": {
    "id": "019712cf-c86d-703f-85b8-bdaa4fc8d254",
    "alias": "Trading account",
    "status": "active",
    "external-id": "ext-12345",
    "created-at": "2024-01-15T10:30:00Z",
    "parent-id": "3c90c3cc-0d44-4b50-8888-8dd25736052a"
  }
}

Body

application/json

identifier · object · required

How the holder is identified. A BRA tax residence is identified by CPF, every other residence by passport

Show child attributes

tax-residence · string · required

Tax residence country, ISO-3

Example:

"BRA"

reward-tier · enum<number> · required

CDI reward tier (%) for the account. The parent account must hold the matching subaccounts--tier capability.

Available options: 93.5, 90, 97

Example:

97

first-name · string · required

Account holder's given name

Example:

"Maria"

last-name · string · required

Account holder's family name

Example:

"Silva"

date-of-birth · string<date> · required

Must be the birth date of someone at least 18 years old

Example:

"1990-04-12"

address · object · required

Show child attributes

document · object · required

The holder's identity document. Referenced ids come from POST /v1/accounts/files

Show child attributes

liveness · object · required

Show child attributes

pep · object · required

Show child attributes

financial-profile · object · required

What the holder does, earns and owns. A declaration that informs compliance review

Show child attributes

email · string<email>

Example:

"[e-mail]"

phone · string

At most 32 characters

Example:

"[phone]"

mother-full-name · string

Example:

"Ana Silva"

representative · object

The person acting for the holder under a power of attorney. Sent only when the holder does not act for themselves

Show child attributes

external-wallets · object[]

Show child attributes

Response

200

application/json

An equivalent non-terminal request already exists

account · object · required

Show child attributes