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These are complete example payloads for POST /v2/onboarding/subaccounts, covering every account type and subtype supported for individual and institutional end clients. Each account type is shown twice: once for signers who already hold a termsAgreementId, and once for signers who still need to accept terms during onboarding. See Terms and conditions for how a termsAgreementId is issued, and the Step 6 field tables on Onboard individuals and Onboard businesses for what each field means.

With termsAgreementId

Use these examples when every program signer has already agreed to terms and conditions and holds a termsAgreementId.

Without termsAgreementId

Use these examples when program signers still need to accept terms and conditions during onboarding.