---
updatedAt: 2026-10-07T15:47:38.000Z
agentTools:
  projectIndex: https://docs.moderntreasury.com/payments/llms.txt
---

# 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](https://docs.moderntreasury.com/payments/docs/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.

<Callout icon="📘" theme="info">
  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](https://docs.moderntreasury.com/platform/reference/create-legal-entity#draft-legal-entities).
</Callout>

# 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.

<Callout icon="⚠️" theme="warning">
  A legal entity cannot be both a beneficial owner (UBO) child and a service customer. These relationship types are mutually exclusive.
</Callout>

```json Service Provider Association
{
    "service_provider_legal_entity_id": "<id of the parent service provider legal entity>"
}
```

```curl Legal Entity with SSN
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": "harry.potter@hogwarts.com",
    "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 ](https://docs.moderntreasury.com/payments/docs/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.

<Callout icon="📘" theme="info">
  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
</Callout>

* 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.

Examples of both can be seen in the code block below:

```json Identifications
"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](https://docs.moderntreasury.com/platform/reference/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 `denied`webhook. 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 `suspended`and a `suspended` webhook event will be emitted.

See below for example webhook payloads for legal entity status updates:

```json Sample Activated Legal Entity Webhook
{
  "event": "activated",
  "data": {
    "id": "15815c3a-7367-4505-a0a1-d0296359c32a",
    "email": "hogwarts@wizardy.com",
    "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": "dumbledore@hogwarts.com",
          "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": "harry.potter@hogwarts.com",
          "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
  }
    
}
```
```json Sample Suspended Legal Entity Webhook
{
  "event": "suspended",
  "data": {
    "id": "15815c3a-7367-4505-a0a1-d0296359c32a",
    "email": "hogwarts@wizardy.com",
    "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": "dumbledore@hogwarts.com",
          "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": "harry.potter@hogwarts.com",
          "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,
          "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
  }
    
}
```
```json Sample Denied Legal Entity Webhook
{
  "event": "denied",
  "data": {
    "id": "15815c3a-7367-4505-a0a1-d0296359c32a",
    "email": "hogwarts@wizardy.com",
    "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": "dumbledore@hogwarts.com",
          "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,
              "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": "harry.potter@hogwarts.com",
          "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](https://docs.moderntreasury.com/payments/reference/cases) 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](https://docs.moderntreasury.com/payments/reference/case-object) 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 |

```json Sample Open Case
{
  "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](https://docs.moderntreasury.com/payments/docs/counterparty-management-overview) by passing `legal_entity_id` when creating the Counterparty:

```json Create Counterparty linked to Legal Entity
{
  "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:

```json Link existing Counterparty when creating 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](https://docs.moderntreasury.com/payments/docs/create-a-counterparty#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](https://docs.moderntreasury.com/payments/docs/provisioning-accounts) for step-by-step instructions on creating an Internal Account, listening for account activation via webhooks, and provisioning stablecoin wallets.