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.

📘
If you don't have all of the required information yet, create the legal entity with "status": "draft" and update it as you collect more information. Only legal_entity_type is required while a legal entity is a draft. The required fields are checked when you submit it, and any fields you include are still validated. A draft isn't submitted for verification until you update it with "status": "pending". See Draft legal entities.

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:

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 identification type passport, please provide an image of the main page of the passport with a document_type of identification_front.
For the type drivers_license, include an image of the front with document_type of identification_front. The back (identification_back) is optional.
For the type national_id, include an image of the front with document_type of identification_front.
Non-U.S. individuals without a tax ID must include an identification_front image for a passport or national_id.

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,
          "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": "suspended",
          "suffix": null,
          "website": null,
          "metadata": {},
          "addresses": [
            {
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              "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": "denied",
  "data": {
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    "email": "[email protected]",
    "object": "legal_entity",
    "prefix": null,
    "status": "denied",
    "suffix": null,
    "website": "http://www.hogwarts.com",
    "metadata": {},
    "addresses": [
      {
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        "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": [
      {
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        },
        "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"
      },
      {
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        "file": {
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          "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,
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    "identifications": [
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        "id_type": "us_ein",
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        "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",
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              "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,
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          "identifications": [
            {
              "id": "4431a2ab-5a29-45a7-b59a-b2fafbcfa7f6",
              "object": "identification",
              "id_type": "drivers_license",
              "documents": [
                {
                  "id": "347a28d0-34b7-496a-bcde-6c0b674c023a",
                  "file": {
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                    "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": "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
  }
    
}

Respond to Requests for Additional Information

When an automated compliance check fails during individual onboarding, Modern Treasury opens a Case on the Legal Entity with one or more pending requested_actions. Cases are read-only.

Subscribe to case webhooks to receive case.opened, case.updated, and case.resolved events. Fetch open Cases for a Legal Entity with GET /api/cases?subject_type=legal_entity&subject_id=..., or retrieve a specific Case with GET /api/cases/{id}.

Read each pending requested action's category, field, instructions, and reasons to determine what information to provide. Resolve the requested action by updating the Legal Entity with PATCH /api/legal_entities/{id} or by uploading the named document with POST /api/documents and documentable_type=legal_entity. Modern Treasury automatically re-runs the compliance evaluation after either call. When all requested actions are resolved, the Case moves to resolved. See Compliance Cases for the complete object and category details.

You can also view a Legal Entity's Cases and their requested actions in the Cases tab of the Legal Entity page in the Modern Treasury dashboard.

The individual-relevant requested action categories are:

Category	Field	Check
`onboarding_ssn_check_failure`	`legal_entity_details`	SSN check

{
  "id": "e8f4a6c3-9b0d-4f32-a157-3c4d5e6f7a89",
  "object": "case",
  "live_mode": false,
  "status": "open",
  "subject_type": "legal_entity",
  "subject_id": "9b2c3d4e-5f60-789a-bc12-de345f678901",
  "requested_actions": [
    {
      "id": "f9a5b7d4-0c1e-4a43-b268-4d5e6f7a8b90",
      "object": "requested_action",
      "live_mode": false,
      "category": "onboarding_ssn_check_failure",
      "field": "legal_entity_details",
      "instructions": "Confirm the legal name and social security number are correct.",
      "reasons": [
        "identity_unverified"
      ],
      "created_at": "2026-08-20T20:13:46Z",
      "updated_at": "2026-08-20T20:13:46Z"
    }
  ],
  "resolved_actions": [],
  "created_at": "2026-08-20T20:13:46Z",
  "updated_at": "2026-08-20T20:13:46Z"
}

Link a Counterparty to the Legal Entity

You can link a Legal Entity to a Counterparty by passing legal_entity_id when creating the Counterparty:

{
  "name": "Harry Potter",
  "legal_entity_id": "<legal_entity_id>"
}

If the Counterparty already exists, you can link it by passing counterparty_id when creating the Legal Entity:

{
  "legal_entity_type": "individual",
  "first_name": "Harry",
  "last_name": "Potter",
  "counterparty_id": "<counterparty_id>"
}

You can also create both in a single API call — see Creating a Counterparty with a Legal Entity.

Open an Account for the Individual

After legal entity activation you can open an account and move money on behalf of your individual customer. See Provisioning Accounts for step-by-step instructions on creating an Internal Account, listening for account activation via webhooks, and provisioning stablecoin wallets.