Core Integration Flows

Complete customer lifecycle flows for Individual (B2C) and Organization (B2B) customers

This section provides comprehensive guides for implementing the complete customer lifecycle - from registration through to active payment operations.

Customer Lifecycle Overview

Both Individual (B2C) and Organization (B2B) customers follow a linear flow with strict prerequisites at each phase. Operations are blocked until all requirements are met.

Flow Timeline Comparison

Individual Customer (B2C) - 7 Phases

Complete lifecycle for personal/individual customers.

Organization Customer (B2B) - 8 Phases

Complete lifecycle for business/organization customers with multi-stakeholder management.

Key Differences: B2C vs B2B

Critical Prerequisites

For Activation

All prerequisites must be met before activation:

Verification status: APPROVED
Terms & Conditions: ACCEPTED
Privacy Policy: ACCEPTED
Data Processing: ACCEPTED
Customer status: Not already ACTIVE

For Transactions

Required before payment operations:

Account status: ACTIVE
Wallet status: ACTIVE
Valid payment consent (for transfers)
Pre-registered beneficiaries

Key Characteristics

Individual Customer (B2C)

Risk-Based Processing: High-risk customers require power tenant approval
Consent-Driven: Operations blocked until required consents accepted
Smart Categorization: Feature-based customer categorization
State Machine: Strict state transitions with no backward movement

Organization Customer (B2B)

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 + UBO verification

Common Resources

Quick Reference

Individual Customer Endpoints

Organization Customer Endpoints

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