Onboard an Individual
The steps below detail how to onboard an individual by creating the representative legal entity and linked account.
Collect Required Information for Individual Onboarding
To determine the information required for onboarding an individual please review the required fields for individuals guide. This information can be collected via your application or platform processes and must be submitted to Modern Treasury via API, in a single request as detailed below.
Creating the Individual's Legal Entity
To submit the individual for verification you will send a single legal entity creation request that includes all required information for onboarding. Once the legal entity request is processed it will be submitted for verification.
The below examples model how to create the legal entity request:
Service Provider Legal Entity (Optional)
If the individual being onboarded is a service customer of another legal entity (e.g., a C2 onboarded under a C1), you can associate it to its service provider by including the service_provider_legal_entity_id field in the legal entity creation request. This field accepts the id of an existing legal entity that serves as the parent in the service provider tree.
When provided, this establishes a direct parent-child relationship in the service provider hierarchy. The legal entity will be treated as a service customer of the referenced service provider, and compliance will be handled independently from the service provider's own verification.
A legal entity cannot be both a beneficial owner (UBO) child and a service customer. These relationship types are mutually exclusive.
{
"service_provider_legal_entity_id": "<id of the parent service provider legal entity>"
}curl --request POST \
--url https://app.moderntreasury.com/api/legal_entities \
--header 'content-type: application/json' \
--data '
'{
"legal_entity_type": "individual",
"first_name": "Harry",
"middle_name": "James",
"last_name": "Potter",
"date_of_birth": "1990-02-06",
"email": "[email protected]",
"phone_numbers": [
{ "phone_number": "+12125551234"}
],
"addresses": [
{
"line1": "119 5th Ave",
"line2": "Suite 600",
"locality": "New York",
"region": "NY",
"postal_code": "10003",
"country": "US",
"address_types": ["residential"],
"primary": true
}
],
"identifications": [
{
"id_number": "111222333",
"id_type": "us_ssn",
"issuing_country": "US"
}
]
}'Providing Additional Information
The required fields for individuals guide documents the minimum fields required to onboard individual Legal Entities. However, providing more information ensures less friction during onboarding, and Modern Treasury may request more information to verify users.
Identification Documents
The Legal Entity request body supports inline document upload. identifications can include a documents array that allows for images and documents to be included in the request.
Identification Documents included in the creation of Individual Legal Entities must have a size prior to encoding that is greater than 10KB and less than 15MB
- For the
identificationtypepassport, please provide an image of the main page of the passport with adocument_typeofidentification_front. - For the type
drivers_license, include an image of the front withdocument_typeofidentification_front. The back (identification_back) is optional.
Examples of both can be seen in the code block below:
"identifications": [
{
"id_number": "111111111",
"id_type": "passport",
"issuing_country": "US",
"documents": [
{
"document_type": "identification_front",
"file_data": "dGVzdA==\n",
"filename": "passport.pdf"
}
]
},
{
"id_number": "DL123456789",
"id_type": "drivers_license",
"issuing_country": "US",
"documents":[
{
"document_type": "identification_front",
"file_data": "dGVzdA==\n",
"filename": "license_front.pdf"
},
{
"document_type": "identification_back",
"file_data": "dGVzdA==\n",
"filename": "license_back.pdf"
}
]
}
]Monitor the Legal Entity's Status
After successful creation, the legal entity will be submitted to Modern Treasury for review. During review the legal entity will have a status of pending. After successful verification the legal entity's status will be updated to active representing that the legal entity can be utilized to create an account and move money.
To programmatically action on the status field we recommend subscribing to legal entity webhooks for each status update event (activated, suspended, denied). Upon legal entity approval you will receive an activated webhook. If the legal entity is denied after review you will receive a deniedwebhook. Modern Treasury performs recurring reviews of all legal entity's and as such if an active legal entity is flagged for investigation the status will be changed to suspendedand a suspended webhook event will be emitted.
See below for example webhook payloads for legal entity status updates:
{
"event": "activated",
"data": {
"id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "active",
"suffix": null,
"website": "http://www.hogwarts.com",
"metadata": {},
"addresses": [
{
"id": "306ed6a3-7173-4ca9-a0d1-5999e8423ae7",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10011",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [
{
"id": "deeeef25-5d02-4eb1-9511-e547c26f3f0b",
"file": {
"size": 4,
"filename": "articles_of_incorporation.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "articles_of_incorporation",
"documentable_id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"document_details": [],
"documentable_type": "legal_entity"
},
{
"id": "b793b681-d909-481a-8576-97d7ce32eba5",
"file": {
"size": 4,
"filename": "proof_of_address.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "proof_of_address",
"documentable_id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"document_details": [],
"documentable_type": "legal_entity"
}
],
"last_name": null,
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"first_name": null,
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": "1800-01-01",
"external_id": null,
"middle_name": null,
"risk_rating": null,
"discarded_at": null,
"intended_use": "Payment operations and treasury management",
"bank_settings": null,
"business_name": "Hogwarts",
"date_of_birth": null,
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "42176f51-633a-4bd7-87e6-47e907ffadfb",
"object": "identification",
"id_type": "us_ein",
"documents": [],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": "corporation",
"listed_exchange": null,
"legal_entity_type": "business",
"compliance_details": null,
"citizenship_country": null,
"business_description": null,
"doing_business_as_names": [],
"operating_jurisdictions": [
"USA"
],
"country_of_incorporation": "US",
"expected_activity_volume": 1000000000,
"industry_classifications": [],
"third_party_verification": null,
"legal_entity_associations": [
{
"id": "4e8ffc4c-0977-4189-8ae7-362fd13a2a02",
"title": null,
"object": "legal_entity_association",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"child_legal_entity": {
"id": "420ad384-ae2e-4f4d-84b6-427f8f673bae",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "active",
"suffix": null,
"website": null,
"metadata": {},
"addresses": [
{
"id": "62366852-8a15-43e1-b286-8c8d8cbdb136",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10003",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [],
"last_name": "Dumbledore",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"first_name": "Albus",
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": null,
"external_id": null,
"middle_name": "Percival",
"risk_rating": null,
"discarded_at": null,
"intended_use": null,
"bank_settings": null,
"business_name": null,
"date_of_birth": "1881-07-01",
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"object": "identification",
"id_type": "drivers_license",
"documents": [
{
"id": "347a28d0-34b7-496a-bcde-6c0b674c023a",
"file": {
"size": 4,
"filename": "license_front.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_front",
"documentable_id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"document_details": [],
"documentable_type": "identification"
},
{
"id": "5c6e3ddb-d76d-44b4-81d3-72439fe44429",
"file": {
"size": 4,
"filename": "license_back.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_back",
"documentable_id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"document_details": [],
"documentable_type": "identification"
}
],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
},
{
"id": "6b464f15-12fe-40f1-9c79-1866d9359da1",
"object": "identification",
"id_type": "us_ssn",
"documents": [],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": null,
"listed_exchange": null,
"legal_entity_type": "individual",
"compliance_details": null,
"citizenship_country": null,
"business_description": null,
"doing_business_as_names": [],
"operating_jurisdictions": [],
"country_of_incorporation": null,
"expected_activity_volume": null,
"industry_classifications": [],
"third_party_verification": null,
"legal_entity_associations": [],
"politically_exposed_person": null,
"primary_social_media_sites": [],
"wealth_and_employment_details": null
},
"relationship_types": [
"beneficial_owner"
],
"ownership_percentage": null,
"parent_legal_entity_id": "15815c3a-7367-4505-a0a1-d0296359c32a"
},
{
"id": "dfc4d9ca-d971-4577-8d97-7224754ff556",
"title": null,
"object": "legal_entity_association",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"child_legal_entity": {
"id": "539c02a0-94b9-47e3-828a-13b394f91151",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "active",
"suffix": null,
"website": null,
"metadata": {},
"addresses": [
{
"id": "c6748074-7af5-4594-ac81-0a89870995d6",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10003",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [],
"last_name": "Potter",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"first_name": "Harry",
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": null,
"external_id": null,
"middle_name": "James",
"risk_rating": null,
"discarded_at": null,
"intended_use": null,
"bank_settings": null,
"business_name": null,
"date_of_birth": "1990-02-06",
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "3d8e5b6d-ea8e-4bf1-8007-154d9275cd90",
"object": "identification",
"id_type": "passport",
"documents": [
{
"id": "bb039389-27f3-4386-b530-2dacf3a1deba",
"file": {
"size": 4,
"filename": "passport.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_front",
"documentable_id": "3d8e5b6d-ea8e-4bf1-8007-154d9275cd90",
"document_details": [],
"documentable_type": "identification"
}
],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": null,
"listed_exchange": null,
"legal_entity_type": "individual",
"compliance_details": null,
"citizenship_country": null,
"business_description": null,
"doing_business_as_names": [],
"operating_jurisdictions": [],
"country_of_incorporation": null,
"expected_activity_volume": null,
"industry_classifications": [],
"third_party_verification": null,
"legal_entity_associations": [],
"politically_exposed_person": null,
"primary_social_media_sites": [],
"wealth_and_employment_details": null
},
"relationship_types": [
"control_person"
],
"ownership_percentage": null,
"parent_legal_entity_id": "15815c3a-7367-4505-a0a1-d0296359c32a"
}
],
"politically_exposed_person": null,
"primary_social_media_sites": [],
"wealth_and_employment_details": null
}
}{
"event": "suspended",
"data": {
"id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "suspended",
"suffix": null,
"website": "http://www.hogwarts.com",
"metadata": {},
"addresses": [
{
"id": "306ed6a3-7173-4ca9-a0d1-5999e8423ae7",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10011",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [
{
"id": "deeeef25-5d02-4eb1-9511-e547c26f3f0b",
"file": {
"size": 4,
"filename": "articles_of_incorporation.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "articles_of_incorporation",
"documentable_id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"document_details": [],
"documentable_type": "legal_entity"
},
{
"id": "b793b681-d909-481a-8576-97d7ce32eba5",
"file": {
"size": 4,
"filename": "proof_of_address.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "proof_of_address",
"documentable_id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"document_details": [],
"documentable_type": "legal_entity"
}
],
"last_name": null,
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"first_name": null,
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": "1800-01-01",
"external_id": null,
"middle_name": null,
"risk_rating": null,
"discarded_at": null,
"intended_use": "Payment operations and treasury management",
"bank_settings": null,
"business_name": "Hogwarts",
"date_of_birth": null,
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "42176f51-633a-4bd7-87e6-47e907ffadfb",
"object": "identification",
"id_type": "us_ein",
"documents": [],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": "corporation",
"listed_exchange": null,
"legal_entity_type": "business",
"compliance_details": null,
"citizenship_country": null,
"business_description": null,
"doing_business_as_names": [],
"operating_jurisdictions": [
"USA"
],
"country_of_incorporation": "US",
"expected_activity_volume": 1000000000,
"industry_classifications": [],
"third_party_verification": null,
"legal_entity_associations": [
{
"id": "4e8ffc4c-0977-4189-8ae7-362fd13a2a02",
"title": null,
"object": "legal_entity_association",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"child_legal_entity": {
"id": "420ad384-ae2e-4f4d-84b6-427f8f673bae",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "suspended",
"suffix": null,
"website": null,
"metadata": {},
"addresses": [
{
"id": "62366852-8a15-43e1-b286-8c8d8cbdb136",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10003",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [],
"last_name": "Dumbledore",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"first_name": "Albus",
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": null,
"external_id": null,
"middle_name": "Percival",
"risk_rating": null,
"discarded_at": null,
"intended_use": null,
"bank_settings": null,
"business_name": null,
"date_of_birth": "1881-07-01",
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"object": "identification",
"id_type": "drivers_license",
"documents": [
{
"id": "347a28d0-34b7-496a-bcde-6c0b674c023a",
"file": {
"size": 4,
"filename": "license_front.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_front",
"documentable_id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"document_details": [],
"documentable_type": "identification"
},
{
"id": "5c6e3ddb-d76d-44b4-81d3-72439fe44429",
"file": {
"size": 4,
"filename": "license_back.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_back",
"documentable_id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"document_details": [],
"documentable_type": "identification"
}
],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
},
{
"id": "6b464f15-12fe-40f1-9c79-1866d9359da1",
"object": "identification",
"id_type": "us_ssn",
"documents": [],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": null,
"listed_exchange": null,
"legal_entity_type": "individual",
"compliance_details": null,
"citizenship_country": null,
"business_description": null,
"doing_business_as_names": [],
"operating_jurisdictions": [],
"country_of_incorporation": null,
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"primary_social_media_sites": [],
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},
"relationship_types": [
"beneficial_owner"
],
"ownership_percentage": null,
"parent_legal_entity_id": "15815c3a-7367-4505-a0a1-d0296359c32a"
},
{
"id": "dfc4d9ca-d971-4577-8d97-7224754ff556",
"title": null,
"object": "legal_entity_association",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"child_legal_entity": {
"id": "539c02a0-94b9-47e3-828a-13b394f91151",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "suspended",
"suffix": null,
"website": null,
"metadata": {},
"addresses": [
{
"id": "c6748074-7af5-4594-ac81-0a89870995d6",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10003",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [],
"last_name": "Potter",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"first_name": "Harry",
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": null,
"external_id": null,
"middle_name": "James",
"risk_rating": null,
"discarded_at": null,
"intended_use": null,
"bank_settings": null,
"business_name": null,
"date_of_birth": "1990-02-06",
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "3d8e5b6d-ea8e-4bf1-8007-154d9275cd90",
"object": "identification",
"id_type": "passport",
"documents": [
{
"id": "bb039389-27f3-4386-b530-2dacf3a1deba",
"file": {
"size": 4,
"filename": "passport.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_front",
"documentable_id": "3d8e5b6d-ea8e-4bf1-8007-154d9275cd90",
"document_details": [],
"documentable_type": "identification"
}
],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": null,
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"legal_entity_type": "individual",
"compliance_details": null,
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"operating_jurisdictions": [],
"country_of_incorporation": null,
"expected_activity_volume": null,
"industry_classifications": [],
"third_party_verification": null,
"legal_entity_associations": [],
"politically_exposed_person": null,
"primary_social_media_sites": [],
"wealth_and_employment_details": null
},
"relationship_types": [
"control_person"
],
"ownership_percentage": null,
"parent_legal_entity_id": "15815c3a-7367-4505-a0a1-d0296359c32a"
}
],
"politically_exposed_person": null,
"primary_social_media_sites": [],
"wealth_and_employment_details": null
}
}{
"event": "denied",
"data": {
"id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "denied",
"suffix": null,
"website": "http://www.hogwarts.com",
"metadata": {},
"addresses": [
{
"id": "306ed6a3-7173-4ca9-a0d1-5999e8423ae7",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10011",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [
{
"id": "deeeef25-5d02-4eb1-9511-e547c26f3f0b",
"file": {
"size": 4,
"filename": "articles_of_incorporation.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "articles_of_incorporation",
"documentable_id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"document_details": [],
"documentable_type": "legal_entity"
},
{
"id": "b793b681-d909-481a-8576-97d7ce32eba5",
"file": {
"size": 4,
"filename": "proof_of_address.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "proof_of_address",
"documentable_id": "15815c3a-7367-4505-a0a1-d0296359c32a",
"document_details": [],
"documentable_type": "legal_entity"
}
],
"last_name": null,
"live_mode": false,
"created_at": "2026-02-24T18:57:25Z",
"first_name": null,
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": "1800-01-01",
"external_id": null,
"middle_name": null,
"risk_rating": null,
"discarded_at": null,
"intended_use": "Payment operations and treasury management",
"bank_settings": null,
"business_name": "Hogwarts",
"date_of_birth": null,
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "42176f51-633a-4bd7-87e6-47e907ffadfb",
"object": "identification",
"id_type": "us_ein",
"documents": [],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": "corporation",
"listed_exchange": null,
"legal_entity_type": "business",
"compliance_details": null,
"citizenship_country": null,
"business_description": null,
"doing_business_as_names": [],
"operating_jurisdictions": [
"USA"
],
"country_of_incorporation": "US",
"expected_activity_volume": 1000000000,
"industry_classifications": [],
"third_party_verification": null,
"legal_entity_associations": [
{
"id": "4e8ffc4c-0977-4189-8ae7-362fd13a2a02",
"title": null,
"object": "legal_entity_association",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"child_legal_entity": {
"id": "420ad384-ae2e-4f4d-84b6-427f8f673bae",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "denied",
"suffix": null,
"website": null,
"metadata": {},
"addresses": [
{
"id": "62366852-8a15-43e1-b286-8c8d8cbdb136",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10003",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [],
"last_name": "Dumbledore",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"first_name": "Albus",
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": null,
"external_id": null,
"middle_name": "Percival",
"risk_rating": null,
"discarded_at": null,
"intended_use": null,
"bank_settings": null,
"business_name": null,
"date_of_birth": "1881-07-01",
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"object": "identification",
"id_type": "drivers_license",
"documents": [
{
"id": "347a28d0-34b7-496a-bcde-6c0b674c023a",
"file": {
"size": 4,
"filename": "license_front.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_front",
"documentable_id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"document_details": [],
"documentable_type": "identification"
},
{
"id": "5c6e3ddb-d76d-44b4-81d3-72439fe44429",
"file": {
"size": 4,
"filename": "license_back.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_back",
"documentable_id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
"document_details": [],
"documentable_type": "identification"
}
],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
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"issuing_country": "US"
},
{
"id": "6b464f15-12fe-40f1-9c79-1866d9359da1",
"object": "identification",
"id_type": "us_ssn",
"documents": [],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
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"issuing_country": "US"
}
],
"legal_structure": null,
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},
"relationship_types": [
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],
"ownership_percentage": null,
"parent_legal_entity_id": "15815c3a-7367-4505-a0a1-d0296359c32a"
},
{
"id": "dfc4d9ca-d971-4577-8d97-7224754ff556",
"title": null,
"object": "legal_entity_association",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"child_legal_entity": {
"id": "539c02a0-94b9-47e3-828a-13b394f91151",
"email": "[email protected]",
"object": "legal_entity",
"prefix": null,
"status": "denied",
"suffix": null,
"website": null,
"metadata": {},
"addresses": [
{
"id": "c6748074-7af5-4594-ac81-0a89870995d6",
"line1": "119 5th Ave",
"line2": "Suite 600",
"object": "legal_entity_address",
"region": "NY",
"country": "US",
"locality": "New York",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"postal_code": "10003",
"discarded_at": null,
"address_types": [
"residential"
]
}
],
"documents": [],
"last_name": "Potter",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"first_name": "Harry",
"regulators": [],
"updated_at": "2026-02-24T18:57:31Z",
"date_formed": null,
"external_id": null,
"middle_name": "James",
"risk_rating": null,
"discarded_at": null,
"intended_use": null,
"bank_settings": null,
"business_name": null,
"date_of_birth": "1990-02-06",
"phone_numbers": [
{
"phone_number": "+14185438090"
}
],
"ticker_symbol": null,
"preferred_name": null,
"identifications": [
{
"id": "3d8e5b6d-ea8e-4bf1-8007-154d9275cd90",
"object": "identification",
"id_type": "passport",
"documents": [
{
"id": "bb039389-27f3-4386-b530-2dacf3a1deba",
"file": {
"size": 4,
"filename": "passport.pdf",
"content_type": "application/pdf"
},
"object": "document",
"source": "customer",
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:27Z",
"discarded_at": null,
"document_type": "identification_front",
"documentable_id": "3d8e5b6d-ea8e-4bf1-8007-154d9275cd90",
"document_details": [],
"documentable_type": "identification"
}
],
"live_mode": false,
"created_at": "2026-02-24T18:57:26Z",
"updated_at": "2026-02-24T18:57:26Z",
"discarded_at": null,
"issuing_region": null,
"expiration_date": null,
"issuing_country": "US"
}
],
"legal_structure": null,
"listed_exchange": null,
"legal_entity_type": "individual",
"compliance_details": null,
"citizenship_country": null,
"business_description": null,
"doing_business_as_names": [],
"operating_jurisdictions": [],
"country_of_incorporation": null,
"expected_activity_volume": null,
"industry_classifications": [],
"third_party_verification": null,
"legal_entity_associations": [],
"politically_exposed_person": null,
"primary_social_media_sites": [],
"wealth_and_employment_details": null
},
"relationship_types": [
"control_person"
],
"ownership_percentage": null,
"parent_legal_entity_id": "15815c3a-7367-4505-a0a1-d0296359c32a"
}
],
"politically_exposed_person": null,
"primary_social_media_sites": [],
"wealth_and_employment_details": null
}
}Open an Account for the Individual
After legal entity activation you can open an account and move money on behalf of your individual customer. This is done by creating an Internal Account and including the legal_entity_id as a part of the payload. After account creation your customer will be able to transact directly out of their dedicated account.
See below for an example request to create the account:
curl --request POST \
-u ORGANIZATION_ID:API_KEY \
--url https://app.moderntreasury.com/api/internal_accounts \
-H 'content-type: application/json' \
-d '{
"name": "Harry Potter Payment Account",
"currency": "USD",
"legal_entity_id": "7d885cb7-6cad-42ab-ae01-d61bb90b4780"
}'Updated 8 days ago