> ## Documentation Index > Fetch the complete documentation index at: https://docs.anchorage.com/llms.txt > Use this file to discover all available pages before exploring further. # Onboard individuals > Submit, upload, and approve individual end client onboarding applications via the Anchorage Digital onboarding API. 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 **`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):** ```json theme={null} { "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):** ```json theme={null} { "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:** ```json theme={null} { "data": { "customerId": "c78e4bbd8f346e1f314f160ef3c84e69d2d1cbc878e569137eba688a1cf56ea1", "status": "IN_PROGRESS" } } ``` **`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:** ```json theme={null} { "documentType": "programCustomer.idCardFront" } ``` **Sample response:** ```json theme={null} { "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:** ```bash theme={null} curl -X PUT -H 'Content-Type: application/octet-stream' --data-binary @image.png {{step2url.response.body.data.url}} ``` **`GET /v2/onboarding/customers/{{customerId}}`** Any errors or missing documents are listed in the `errors` section of the response. **Sample response:** ```json theme={null} { "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" } } ``` **`POST /v2/onboarding/customers/{{customerId}}/submit`** Once 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. **`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](/knowledge-base/platform/developers/webhooks/webhooks-configure). **Sample response:** ```json theme={null} { "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 |