Onboard individuals - Anchorage Digital

This flow supports opening the following account types for individual end clients:

INDIVIDUAL_TAXABLE
INSTITUTIONAL_TAXABLE
IRA — may contain an optional CONVERSION or ROLLOVER sub-type
ROTH — may contain an optional CONVERSION or ROLLOVER sub-type
JOINT
CUSTODIAL

Key differences from the existing individual onboarding flow:

physicalStateUS must be the 2-letter USPS state code when physicalCountry is US.
physicalStateOther must contain alphabetical characters when physicalCountry is not US.
New idType field: GOVERNMENT_ISSUED_ID_CARD or PASSPORT.
- GOVERNMENT_ISSUED_ID_CARD requires uploading idCardFront and idCardBack.
- PASSPORT requires uploading passportDocument.
Removed fields: initialFundingMethod, sourceOfWealth, initialFundingWalletGroup.

Integration steps

Create an individual application

POST /v2/onboarding/customers

applicationType: RIA_PC_INDIVIDUAL
externalId: unique identifier used by the wealth platform to identify this end client
entries: see table below

If the given externalId has already been tied to another end client, an external_id already in use error will be returned.

Tag	Description	Required	Type	Value restrictions
legalEntityName	legal entity name	Yes	String
programCustomer	list of end clients	Yes	Array	1 entry
programCustomer/firstName	end client first name	Yes	String	limited to 36 characters
programCustomer/lastName	end client last name	Yes	String	limited to 48 characters
programCustomer/middleName	end client middle name	No	String
programCustomer/dateOfBirth	end client date of birth	Yes	Date	ISO 8601 date (without time)
programCustomer/email	end client email address	Yes	String	valid e-mail address
programCustomer/ssn	end client social security number	Yes (this or `governmentId` required)	String	9-digit number
programCustomer/governmentId	end client government-specific ID	Yes (this or `ssn` required)	String
programCustomer/physicalCountry	end client country	Yes	String	ISO 3166-1 alpha-2 country code
programCustomer/physicalStreetAddress	end client street address	Yes	String
programCustomer/physicalCity	end client city name	Yes	String
programCustomer/physicalStateUS	end client US state	Yes, for US country	String	2-character USPS state code
programCustomer/physicalStateOther	end client non-US state or province	Yes, for non-US countries	String
programCustomer/physicalPostalCode	end client zip code or postal code	Yes	String
programCustomer/idType	end client type of ID uploaded	Yes	Enum	`GOVERNMENT_ISSUED_ID_CARD` or `PASSPORT`
certifiedW9	customer has signed W-9 certification	Yes if `programCustomer/ssn` is provided (US individuals)	Boolean	`true` or `false`
certifiedW8	customer has signed W-8 certification	Yes if `programCustomer/governmentId` is provided (non-US individuals)	Boolean	`true` or `false`

A unique customerId is returned, which will be used in all future calls to identify this end client at Anchorage Digital.Sample — non-US individual (W-8):

{
  "applicationType": "RIA_PC_INDIVIDUAL",
  "entries": [
    { "key": "legalEntityName", "value": "RIA PC Inv 1 Test" },
    {
      "key": "programCustomer",
      "value": {
        "firstName": "Kevin",
        "lastName": "Flynn_1",
        "dateOfBirth": "01/01/1970",
        "email": "kevin.flynn_1@test.com",
        "governmentId": "123456789",
        "physicalCity": "city",
        "physicalCountry": "FRANCE",
        "physicalPostalCode": "7500",
        "physicalStateOther": "Paris",
        "physicalStreetAddress": "123 Lightcycle Way",
        "idType": "GOVERNMENT_ISSUED_ID_CARD"
      }
    },
    { "key": "certifiedW8", "value": true }
  ]
}

Sample — US individual (W-9):

{
  "applicationType": "RIA_PC_INDIVIDUAL",
  "entries": [
    { "key": "legalEntityName", "value": "RIA PC Inv 1 Test" },
    {
      "key": "programCustomer",
      "value": {
        "firstName": "Kevin",
        "lastName": "Flynn_1",
        "dateOfBirth": "01/01/1970",
        "email": "kevin.flynn_1@test.com",
        "ssn": "123456789",
        "physicalCity": "city",
        "physicalCountry": "US",
        "physicalPostalCode": "94104",
        "physicalStateUS": "CA",
        "physicalStreetAddress": "123 Lightcycle Way",
        "idType": "GOVERNMENT_ISSUED_ID_CARD"
      }
    },
    { "key": "certifiedW9", "value": true }
  ]
}

Response:

{
  "data": {
    "customerId": "c78e4bbd8f346e1f314f160ef3c84e69d2d1cbc878e569137eba688a1cf56ea1",
    "status": "IN_PROGRESS"
  }
}

Upload required document images

POST /v2/onboarding/customers/{{customerId}}/document

Tag	Description	Required	Type	Value restrictions
documentType	passport	Yes, if ID card is not provided	Upload	GIF, JPEG, PNG, or PDF — max 25 MB
documentType	government-issued ID card front	Yes, if passport is not provided	Upload	GIF, JPEG, PNG, or PDF — max 25 MB
documentType	government-issued ID card back	Yes, if passport is not provided	Upload	GIF, JPEG, PNG, or PDF — max 25 MB

Upload a single image file (GIF, JPEG, PNG, or PDF). If a second file is uploaded, the latest replaces the first. Multi-file archives are rejected. A signed upload URL is returned and accepts the document via a PUT request. The URL is valid for 15 minutes — if it expires, request a new one by calling this endpoint again.

Sample request:

{
  "documentType": "programCustomer.idCardFront"
}

Sample response:

{
  "data": {
    "url": "https://storage.googleapis.com/staging-191601-bio-default/anchorage/pii/v1/64626bc421f36808f99fa9542a2075ce67d0466a019f31aefa22f84f31a3adb2/ID_CARD_FRONT/55c7e1dc053fdd522470040e59a448cb3ad9593dd169729cee27660ae95466c4?X-Goog-Algorithm=GOOG4-RSA-SHA256&X-Goog-Credential=kyc-default%40staging-191601.iam.gserviceaccount.com%2F20250409%2Fauto%2Fstorage%2Fgoog4_request&X-Goog-Date=20250409T042548Z&X-Goog-Expires=899&X-Goog-Signature=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&X-Goog-SignedHeaders=host"
  }
}

Upload the image:

curl -X PUT -H 'Content-Type: application/octet-stream' --data-binary @image.png {{step2url.response.body.data.url}}

Check the status of the application

GET /v2/onboarding/customers/{{customerId}}Any errors or missing documents are listed in the errors section of the response.Sample response:

{
  "data": {
    "customerId": "c78e4bbd8f346e1f314f160ef3c84e69d2d1cbc878e569137eba688a1cf56ea1",
    "entries": [
      {
        "key": "programCustomer",
        "value": [
          {
            "dateOfBirth": "01/01/1970",
            "email": "kevin.flynn_1@test.com",
            "firstName": "Kevin",
            "idCardBack": "866b68b4a99de75dd9bca11d231041a7bd4e2469bc488abf5d6614283917b34c",
            "idCardFront": "55c7e1dc053fdd522470040e59a448cb3ad9593dd169729cee27660ae95466c4",
            "idType": "GOVERNMENT_ISSUED_ID_CARD",
            "lastName": "Flynn_1",
            "physicalCity": "city",
            "physicalCountry": "US",
            "physicalPostalCode": "94104",
            "physicalStateUS": "CA",
            "physicalStreetAddress": "123 Lightcycle Way",
            "ssn": "123456789"
          }
        ]
      },
      {
        "key": "legalEntityName",
        "value": "RIA PC Inv 1 Test"
      }
    ],
    "errors": [
      {
        "key": "programCustomer.idCardFront",
        "status": "MISSING",
        "value": "expected 1 answer for non-void triggered question, instead got 0"
      },
      {
        "key": "programCustomer.idCardBack",
        "status": "MISSING",
        "value": "expected 1 answer for non-void triggered question, instead got 0"
      }
    ],
    "status": "IN_PROGRESS"
  }
}

Submit the application

POST /v2/onboarding/customers/{{customerId}}/submitOnce successfully submitted, you may submit another end client application or a linked subaccount application.

You do not need to wait for approval before submitting linked subaccount applications.

Check the approval status

GET /v2/onboarding/customers/{{customerId}}Upon successful submission, status changes from IN_PROGRESS to IN_REVIEW. Once fully approved, status changes to COMPLETE.To receive asynchronous notification when approval is complete, register for webhooks. See Configure webhooks.Sample response:

{
  "data": {
    "customerId": "c78e4bbd8f346e1f314f160ef3c84e69d2d1cbc878e569137eba688a1cf56ea1",
    "entries": [
      {
        "key": "programCustomer",
        "value": [
          {
            "dateOfBirth": "01/01/1970",
            "email": "kevin.flynn_1@test.com",
            "firstName": "Kevin",
            "idCardBack": "866b68b4a99de75dd9bca11d231041a7bd4e2469bc488abf5d6614283917b34c",
            "idCardFront": "55c7e1dc053fdd522470040e59a448cb3ad9593dd169729cee27660ae95466c4",
            "idType": "GOVERNMENT_ISSUED_ID_CARD",
            "lastName": "Flynn_1",
            "physicalCity": "city",
            "physicalCountry": "US",
            "physicalPostalCode": "94104",
            "physicalStateUS": "CA",
            "physicalStreetAddress": "123 Lightcycle Way",
            "ssn": "123456789"
          }
        ]
      },
      {
        "key": "legalEntityName",
        "value": "RIA PC Inv 1 Test"
      }
    ],
    "errors": [],
    "status": "COMPLETE"
  }
}

Reliance only: edit customer information

RIAs with full or partial KYC reliance have access to a flow in which program customers are auto-approved. For these RIAs, select fields remain editable even after application status is COMPLETE.

Tag	Description	Required	Can edit	Type	Value restrictions
legalEntityName	legal entity name	Yes	No	String
programCustomer	list of end clients	Yes	Yes	Array	1 entry
programCustomer/firstName	end client first name	Yes	Yes	String	limited to 36 characters
programCustomer/lastName	end client last name	Yes	Yes	String	limited to 48 characters
programCustomer/middleName	end client middle name	No	Yes	String
programCustomer/dateOfBirth	end client date of birth	Yes	No	Date	ISO 8601 date (without time)
programCustomer/email	end client email address	Yes	Yes	String	valid e-mail address
programCustomer/ssn	end client social security number	Yes (this or `governmentId` required)	No	String	9-digit number
programCustomer/governmentId	end client government-specific ID	Yes (this or `ssn` required)	No	String
programCustomer/physicalCountry	end client country	Yes	Yes	String	ISO 3166-1 alpha-2 country code
programCustomer/physicalStreetAddress	end client street address	Yes	Yes	String
programCustomer/physicalCity	end client city name	Yes	Yes	String
programCustomer/physicalStateUS	end client US state	Yes, for US country	Yes	String	2-character USPS state code
programCustomer/physicalStateOther	end client non-US state or province	Yes, for non-US countries	Yes	String
programCustomer/physicalPostalCode	end client zip code or postal code	Yes	Yes	String
programCustomer/idType	end client type of ID uploaded	Yes	No	Enum	`GOVERNMENT_ISSUED_ID_CARD` or `PASSPORT`
certifiedW9	customer has signed W-9 certification	Yes if `programCustomer/ssn` is provided	No	Boolean	`true` or `false`
certifiedW8	customer has signed W-8 certification	Yes if `programCustomer/governmentId` is provided	No	Boolean	`true` or `false`

Changelog

Date	Change
December 4, 2025	Updates for new onboarding API fields related to 1099-DA requirements: W-8/W-9 collection to avoid backup withholding. New fields added for Country of Citizenship and Tax Reporting Certification.
June 10, 2025	Updates for new onboarding API payloads and flows
May 1, 2025	Initial version

​Integration steps

​Reliance only: edit customer information

​Changelog

Integration steps

Reliance only: edit customer information

Changelog