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.

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

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The 8 Phases

1. 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

2. 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

3. 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

4. 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

5. Phase 5: Organization Activation

   Validate roles, activate organization, generate IBAN and wallet.

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

   Duration: Instant

6. Phase 6: Beneficiary Management

   Add business beneficiaries with enhanced due diligence.

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

   Duration: Ongoing

7. 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

8. 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

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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

For Transactions

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

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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

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Phase Navigation

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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