202610 API Version: Legal Entities (Individuals)

Onboard and retrieve Individuals (as Legal Entities) with a composite identity document, due diligence checks, and product capabilities. Send a signup short link by SMS. Holder verification responses now include destination bank details.

Legal Entities API

We're introducing Legal Entities for individuals. Register a person once with contact details and a government-issued identifier, then reference them by a stable lei_ ID while KYC and product access progress.

What's new

Create individuals — POST /v1/legal_entities/individuals. Requires name, phone_number, email, locale, company_reference, and identifier (type, value, country_code). The individual starts in status created with product capabilities disabled.
Retrieve individuals — GET /v1/legal_entities/individuals/{id}. Returns identifier, unresolved_checks, and capabilities (accounts, payments, incoming_payments). Capabilities become enabled once verification reaches the basic level.
Signup link — POST /v1/legal_entities/individuals/{id}/signup. Creates a signup short link, SMSes it to the individual, and returns { "link": "…" }. A new link is created on every call.

These endpoints are available from API version 202610. Company and sole trader onboarding continues via Account Holders. See the Legal Entities guide for request examples and identifier types.

Account Holder Verifications

Holder verification responses now include the destination bank (name and bic) of the verified account. This field is also present in holder verification webhooks and in the preview endpoint.

{
  "holder_verification": {
    "id": "vhv_4b2araZSZ1TVyK8DaYzjW8",
    ...
    "account": {
      "type": "iban",
      "iban": "ES0269409999050993310101"
    },
    "bank": {
      "name": "Devengo S.L.",
      "bic": "DEVNESM2XXX"
    }
  }
}

Breaking changes

None. This release adds Legal Entities routes and an additive bank field on Account Holder Verifications; existing Account Holder and Counterparty contracts are unchanged.