URL: /baas/api/integration/flows/individual-customer

---
title: 'Individual Customer (B2C) Flow'
description: 'Complete lifecycle guide for Individual customer onboarding and operations'
---

# 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.

```mermaid
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 |

---

## The 7 Phases

<Steps>
  <Step title="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
  </Step>
  
  <Step title="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
  </Step>
  
  <Step title="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
  </Step>
  
  <Step title="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
  </Step>
  
  <Step title="Phase 5: Account Activation">
    Activate customer account, generate IBAN, and activate wallet.
    
    **Key Endpoint:** `POST /api/v2.1/customer/individual/{customerId}/activation`
    
    **Duration:** Instant
  </Step>
  
  <Step title="Phase 6: Wallet Operations">
    Query balance, check allowed operations, and view transaction limits.
    
    **Key Endpoint:** `GET /api/v2.1/fintrans/{accountId}/balance`
    
    **Duration:** Ongoing
  </Step>
  
  <Step title="Phase 7: Payment Operations">
    Add beneficiaries, prepare orders, and execute transfers.
    
    **Key Endpoint:** `POST /api/v2.1/fintrans/{accountId}/types/transfer/execute`
    
    **Duration:** Ongoing
  </Step>
</Steps>

---

## 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

<Warning>
  **ALL prerequisites must be met:**
  1. Verification status: `APPROVED`
  2. Terms & Conditions: `ACCEPTED`
  3. Privacy Policy: `ACCEPTED`
  4. Data Processing: `ACCEPTED`
  5. Customer status: Not already `ACTIVE`
</Warning>

### For Operations
- Active wallet
- Valid payment consents
- Pre-registered beneficiaries

---

## Phase Navigation

<CardGroup cols={2}>
  <Card title="Phase 1: Registration" icon="user-plus" href="/baas/api/integration/flows/individual-customer/registration">
    Customer registration with categorization
  </Card>
  <Card title="Phase 2: Session Management" icon="key" href="/baas/api/integration/flows/individual-customer/session-management">
    Authentication and JWT tokens
  </Card>
  <Card title="Phase 3: Verification" icon="shield-check" href="/baas/api/integration/flows/individual-customer/verification">
    KYC verification process
  </Card>
  <Card title="Phase 4: Consent Management" icon="file-signature" href="/baas/api/integration/flows/individual-customer/consent-management">
    Mandatory consent acceptance
  </Card>
  <Card title="Phase 5: Activation" icon="check-circle" href="/baas/api/integration/flows/individual-customer/activation">
    Account activation & IBAN generation
  </Card>
  <Card title="Phase 6: Wallet Operations" icon="wallet" href="/baas/api/integration/flows/individual-customer/wallet-operations">
    Balance and allowed operations
  </Card>
  <Card title="Phase 7: Payment Operations" icon="banknote" href="/baas/api/integration/flows/individual-customer/payment-operations">
    Beneficiaries and transfers
  </Card>
</CardGroup>

---

## 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 |