Individual Customer (B2C) Flow

Complete end-to-end guide for onboarding individual (B2C) customers - from registration through to active payment operations.

Flow Overview

The Individual Customer flow encompasses the complete customer journey from initial registration through to active wallet operations and payments. This is a LINEAR FLOW with strict prerequisites at each stage.

flowchart LR
    A[Registration] --> B[Session]
    B --> C[Verification]
    C --> D[Consents]
    D --> E[Activation]
    E --> F[Wallet Ops]
    F --> G[Payments]
    
    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

Timeline

Registration → Verification → Consent → Activation → Operations
   (5 min)      (1-3 days)    (5 min)   (instant)    (ongoing)

Key Characteristics

Characteristic	Description
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
Tenant Isolation	Complete tenant-level data isolation

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The 7 Phases

1. Phase 1: Registration & Onboarding

   Create customer record, user credentials, and default inactive wallet with optional categorization assignment.

   Key Endpoint: POST /api/v2.1/customer/individual/registration

   Duration: ~5 minutes

2. Phase 2: Session Management

   Authenticate user and generate JWT token for subsequent API calls.

   Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/users/{userId}/sessions

   Duration: Instant

3. Phase 3: Verification Process

   Submit identity documents and await approval. High-risk customers require POWER_TENANT approval.

   Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/verification

   Duration: 1-3 business days

4. Phase 4: Consent Management

   Accept three mandatory consents: Terms & Conditions, Privacy Policy, Data Processing.

   Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/consents/{type}

   Duration: ~5 minutes

5. Phase 5: Account Activation

   Activate customer account, generate IBAN, and activate wallet.

   Key Endpoint: POST /api/v2.1/customer/individual/{customerId}/activation

   Duration: Instant

6. Phase 6: Wallet Operations

   Query balance, check allowed operations, and view transaction limits.

   Key Endpoint: GET /api/v2.1/fintrans/{accountId}/balance

   Duration: Ongoing

7. Phase 7: Payment Operations

   Add beneficiaries, prepare orders, and execute transfers.

   Key Endpoint: POST /api/v2.1/fintrans/{accountId}/types/transfer/execute

   Duration: Ongoing

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Critical Prerequisites

For Registration

• Valid email address
• Strong password (min 8 chars, mixed case, numbers, special chars)
• Tenant access credentials

For Verification

• Customer record created
• Valid session token

For Activation

For Operations

• Active wallet
• Valid payment consents
• Pre-registered beneficiaries

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Phase Navigation

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Quick Reference: All Endpoints

Phase	Endpoint	Method	Description
1	/api/v2.1/customer/individual/categorization/hierarchy/{tenantId}	GET	Get categorization options
1	/api/v2.1/customer/individual/registration	POST	Register customer
2	/api/v2.1/customer/individual/{customerId}/users/{userId}/sessions	POST	Create session (login)
2	/api/v2.1/customer/individual/{customerId}/users/{userId}/sessions/{sessionId}	DELETE	Delete session (logout)
3	/api/v2.1/customer/individual/{customerId}/verification/initiate	POST	Initiate verification
3	/api/v2.1/customer/individual/{customerId}/verification	POST	Submit verification
3	/api/v2.1/verifications/{verificationId}	GET	Check verification status
4	/api/v2.1/customer/individual/{customerId}/consents/terms	POST	Accept terms
4	/api/v2.1/customer/individual/{customerId}/consents/privacy	POST	Accept privacy
4	/api/v2.1/customer/individual/{customerId}/consents/data-processing	POST	Accept data processing
5	/api/v2.1/customer/individual/{customerId}/activation	POST	Activate customer
6	/api/v2.1/fintrans/{accountId}/balance	GET	Get balance
6	/api/v2.1/fintrans/{accountId}/allowed-operations	GET	Get allowed operations
7	/api/v2.1/fintrans/{accountId}/beneficiaries	POST	Add beneficiary
7	/api/v2.1/fintrans/{accountId}/types/transfer/prepare	POST	Prepare transfer
7	/api/v2.1/fintrans/{accountId}/types/transfer/execute	POST	Execute transfer