Core Integration Flows

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.

flowchart LR
    A[Registration] --> B[Session]
    B --> C[Verification]
    C --> D[Consents]
    D --> E[Activation]
    E --> F[Operations]
    
    style A fill:#e1f5fe
    style B fill:#e1f5fe
    style C fill:#fff3e0
    style D fill:#fff3e0
    style E fill:#e8f5e9
    style F fill:#e8f5e9

Flow Timeline Comparison

Phase	Individual (B2C)	Organization (B2B)
Registration	5 minutes	10 minutes
Personnel Setup	N/A	20 minutes
Verification	1-3 days (KYC)	2-5 days (KYB)
Consent Acceptance	5 minutes	10 minutes
Activation	Instant	Instant
Operations	Ongoing	Ongoing
Total	~1-3 days	~2-5 days

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Individual Customer (B2C) - 7 Phases

Complete lifecycle for personal/individual customers.

flowchart TD
    subgraph Phase1[Phase 1: Registration]
        A1[Get Categorization Hierarchy]
        A2[POST /customer/individual/registration]
        A1 --> A2
    end
    
    subgraph Phase2[Phase 2: Session]
        B1[POST /sessions - Login]
        B2[JWT Token Generated]
        B1 --> B2
    end
    
    subgraph Phase3[Phase 3: Verification]
        C1[Initiate Verification]
        C2[Submit Documents]
        C3[Await Approval]
        C1 --> C2 --> C3
    end
    
    subgraph Phase4[Phase 4: Consents]
        D1[Terms & Conditions]
        D2[Privacy Policy]
        D3[Data Processing]
        D1 --> D2 --> D3
    end
    
    subgraph Phase5[Phase 5: Activation]
        E1[POST /activation]
        E2[IBAN + Wallet Created]
        E1 --> E2
    end
    
    subgraph Phase6[Phase 6: Wallet Ops]
        F1[Get Balance]
        F2[Allowed Operations]
        F1 --> F2
    end
    
    subgraph Phase7[Phase 7: Payments]
        G1[Add Beneficiaries]
        G2[Prepare Order]
        G3[Execute Order]
        G1 --> G2 --> G3
    end
    
    Phase1 --> Phase2 --> Phase3 --> Phase4 --> Phase5 --> Phase6 --> Phase7

---

Organization Customer (B2B) - 8 Phases

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

flowchart TD
    subgraph Phase1[Phase 1: Registration]
        A1[POST /customer/organization/registration]
        A2[Organization Record Created]
        A1 --> A2
    end
    
    subgraph Phase2[Phase 2: Personnel]
        B1[Add Directors]
        B2[Add Shareholders]
        B3[Add Employees]
        B1 --> B2 --> B3
    end
    
    subgraph Phase3[Phase 3: Verification]
        C1[Initiate KYB]
        C2[Upload Documents]
        C3[Await Approval]
        C1 --> C2 --> C3
    end
    
    subgraph Phase4[Phase 4: Consents]
        D1[Org Terms]
        D2[Privacy Policy]
        D3[Data Processing]
        D1 --> D2 --> D3
    end
    
    subgraph Phase5[Phase 5: Activation]
        E1[Role Validation]
        E2[POST /activation]
        E3[IBAN + Wallet Created]
        E1 --> E2 --> E3
    end
    
    subgraph Phase6[Phase 6: Beneficiaries]
        F1[Add Business Beneficiaries]
        F2[PEP/Sanctions Check]
        F1 --> F2
    end
    
    subgraph Phase7[Phase 7: Payment Consent]
        G1[Create Payment Consent]
        G2[Set Limits & Restrictions]
        G1 --> G2
    end
    
    subgraph Phase8[Phase 8: Transactions]
        H1[Fund Wallet]
        H2[Prepare Transfer]
        H3[Execute Transfer]
        H1 --> H2 --> H3
    end
    
    Phase1 --> Phase2 --> Phase3 --> Phase4 --> Phase5 --> Phase6 --> Phase7 --> Phase8

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Key Differences: B2C vs B2B

Aspect	Individual (B2C)	Organization (B2B)
Registration	Single endpoint	Requires separate personnel endpoints
Personnel	N/A	Directors, Shareholders, Employees
First Employee	N/A	Must have ADMIN_USER role
Verification	KYC (Identity)	KYB (Business + UBO)
Approval Level	TENANT or POWER_TENANT	TENANT (medium-risk)
Consent Format	accepted: true	Requires acceptedBy + acceptedDate
Activation	Simple code	Requires activationReason + admin headers
Document Upload	Basic fields	Additional metadata (customerId, accountId, etc.)

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Critical Prerequisites

For Activation

For Transactions

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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

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Common Resources

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Quick Reference

Individual Customer Endpoints

Phase	Endpoint	Method
Registration	/api/v2.1/customer/individual/registration	POST
Categorization	/api/v2.1/customer/individual/categorization/hierarchy/{tenantId}	GET
Session	/api/v2.1/customer/individual/{customerId}/users/{userId}/sessions	POST
Verification	/api/v2.1/customer/individual/{customerId}/verification	POST
Consents	/api/v2.1/customer/individual/{customerId}/consents/{type}	POST
Activation	/api/v2.1/customer/individual/{customerId}/activation	POST
Balance	/api/v2.1/fintrans/{accountId}/balance	GET
Beneficiaries	/api/v2.1/fintrans/{accountId}/beneficiaries	POST
Transfer	/api/v2.1/fintrans/{accountId}/types/transfer/prepare	POST

Organization Customer Endpoints

Phase	Endpoint	Method
Registration	/api/v2.1/customer/organization/registration	POST
Add Director	/api/v2.1/customer/organization/{orgId}/director	POST
Add Shareholders	/api/v2.1/customer/organization/{orgId}/shareholders	POST
Add Employee	/api/v2.1/customer/organization/{orgId}/employee	POST
Verification	/api/v2.1/customer/organization/{orgId}/verify	POST
Consents	/api/v2.1/customer/organization/{orgId}/consents/{type}	POST
Activation	/api/v2.1/customer/organization/{orgId}/activation	POST
Beneficiaries	/api/v2.1/fintrans/{accountId}/beneficiaries	POST
Payment Consent	/api/v2.1/fintrans/{walletId}/payment-consents/types/transfer	POST
Transfer	/api/v2.1/fintrans/{accountId}/types/transfer/prepare	POST