URL: /baas/api/reference/customer-apis/individual

---
title: 'Individual Customer APIs (B2C)'
description: 'Complete API reference for individual customer onboarding and lifecycle management'
---

# Individual Customer APIs (B2C)

End-to-end API reference for individual customer lifecycle management — from categorization and registration through identity verification, consent collection, and account activation.

<Info>
  **Base URL:** `https://sandbox.finhub.cloud/api/v2.1/customer/individual`
</Info>

<Note>
  Verification, document upload, and consent acceptance are handled through the [Verification & Compliance](/baas/api/reference/verification-compliance) APIs. This section covers the customer-specific endpoints only.
</Note>

---

## Onboarding Journey

The individual customer onboarding flow follows **5 customer API phases**, plus verification and consent steps handled by the Verification & Compliance APIs:

| Phase | API Section | Endpoint | Description |
|-------|-------------|----------|-------------|
| **1. Categorization** | Customer | `GET /categorization/hierarchy/{tenantId}` | Retrieve available customer categories and risk tiers |
| **2. Registration** | Customer | `POST /registration` | Create a new individual customer with personal details |
| **3. Session** | Customer | `POST /{customerId}/users/{userId}/sessions` | Authenticate and obtain a JWT access token |
| **4. Verification** | Customer | `POST /{customerId}/verification` | Initiate identity verification for the customer |
| **5. KYC Documents** | Verification | `POST /verifications/{verificationId}/documents` | Upload identity and address documents |
| **6. KYC Approval** | Verification | `POST /verifications/{verificationId}/approve` | Admin approves the verification submission |
| **7. Consents** | Verification | `POST /{customerId}/consents/{consentType}` | Accept terms, privacy, and data-processing consents |
| **8. Activation** | Customer | `POST /{customerId}/activation` | Activate the customer account and wallet |

<Tip>
  Steps 5-7 use endpoints from the **Verification & Compliance** section. See the [Verification & Compliance overview](/baas/api/reference/verification-compliance) for details.
</Tip>

---

## API Endpoints

<CardGroup cols={2}>
  <Card title="Categorization" icon="sitemap" href="/baas/api/reference/customer-apis/individual/categorization">
    Retrieve the category hierarchy to determine available customer tiers and features
  </Card>
  <Card title="Registration" icon="user-plus" href="/baas/api/reference/customer-apis/individual/registration">
    Register a new individual customer with personal and contact information
  </Card>
  <Card title="Sessions" icon="key" href="/baas/api/integration/flows/individual-customer/session-management">
    Create authenticated sessions and obtain JWT tokens
  </Card>
  <Card title="Verification" icon="shield-check" href="/baas/api/reference/verification-compliance">
    Initiate identity verification (KYC) for a registered customer
  </Card>
  <Card title="Activation" icon="circle-check" href="/baas/api/reference/customer-apis/individual/activation">
    Activate the customer account once all prerequisites are met
  </Card>
</CardGroup>

---

## Quick Start

### 1. Retrieve Categories

```bash
curl -X GET "https://sandbox.finhub.cloud/api/v2.1/customer/individual/categorization/hierarchy/{tenantId}" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "X-Tenant-ID: YOUR_TENANT_ID"
```

### 2. Register Customer

```bash
curl -X POST "https://sandbox.finhub.cloud/api/v2.1/customer/individual/registration" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "X-Tenant-ID: YOUR_TENANT_ID" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "user@example.com",
    "password": "SecurePass123!",
    "customerCategory": { "id": "fs-cat-b2c-low-001" },
    ...
  }'
```

### 3. Create Session

```bash
curl -X POST "https://sandbox.finhub.cloud/api/v2.1/customer/individual/{customerId}/users/{userId}/sessions" \
  -H "X-Tenant-ID: YOUR_TENANT_ID" \
  -H "Content-Type: application/json" \
  -d '{ "username": "user@example.com", "password": "SecurePass123!" }'
```

### 4-8. Complete Verification, Consents & Activation

See the [Verification & Compliance](/baas/api/reference/verification-compliance) section for document upload, approval, and consent endpoints, then return to the **Activation** endpoint to complete onboarding.

---

## Prerequisites

- API credentials obtained (Tenant ID, API keys, admin session token)
- Customer categorization selected from the hierarchy
- Customer personal information collected (name, email, date of birth, nationality)
- Identity documents ready (passport or national ID, proof of address)

---

## Customer Lifecycle

```mermaid
stateDiagram-v2
    [*] --> Categorization: Get category hierarchy
    Categorization --> Registration: Select category
    Registration --> Session: Customer created
    Session --> Verification: JWT obtained
    Verification --> Documents: KYC initiated
    Documents --> Approval: Documents uploaded
    Approval --> Consents: KYC approved
    Consents --> Activation: All 3 consents accepted
    Activation --> [*]: Account ACTIVE

    note right of Verification
        Uses Verification &
        Compliance APIs
    end note

    note right of Approval
        Admin review required
        (1-3 business days)
    end note

    note right of Activation
        Requires:
        ✓ KYC approved
        ✓ All consents accepted
    end note
```

---

## Related Resources

<CardGroup cols={2}>
  <Card title="Verification & Compliance" icon="shield-check" href="/baas/api/reference/verification-compliance">
    KYC document upload, approval, and consent management
  </Card>
  <Card title="Organization APIs (B2B)" icon="building" href="/baas/api/reference/customer-apis/organization">
    Business customer onboarding and management
  </Card>
  <Card title="Financial Operations" icon="banknote" href="/baas/api/reference/financial-operations">
    Wallet balances, transfers, and payment operations
  </Card>
  <Card title="Administration" icon="gear" href="/baas/api/reference/administration">
    Admin sessions, roles, and platform management
  </Card>
</CardGroup>