> ## 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 businesses
> Onboard business end clients and open their accounts via the Anchorage Digital API.
Open a crypto account for a business end client. If they're new to your platform, onboard them first, then open their account. If they already have a `customerId`, skip straight to opening the account.
## How it works
Look up whether this business already has a `customerId` with Anchorage Digital. Existing clients can open additional accounts without repeating onboarding.
Submit the business's KYB information and documentation, and collect their agreement to your terms and conditions. Anchorage Digital performs due diligence and returns a `customerId`.
Create an account (subaccount) for the client, specifying the account type and linking it to their `customerId` — either the one just created, or an existing one.
Check the account's status, or subscribe to the `subaccount.opened` webhook, to know when it's active.
You don't need to wait for a new client's onboarding to be fully approved before opening their account — you can submit the account application right after receiving their `customerId`. Client onboarding and account opening are approved together.
This flow supports opening a business taxable account (e.g., LLC, C Corp, Trust, etc.) for business end clients.
Before onboarding your first client, decide how you'll deliver terms and conditions and whether you're using a KYC reliance model — see [Terms and conditions](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-terms-types).
***
## Integration steps
If this client already has a `customerId`, skip ahead to [Step 6: Create the account](#step-6-create-the-account).
### Step 1: Onboard the client
**`POST /v2/onboarding/customers`**
* `applicationType`: `RIA_PC_INSTITUTION`
* `externalId`: unique identifier used by the wealth platform to identify this end client
* `entries`: see tables below
**Sandbox:** applications must use mock data and reviews are expedited. **Production:** actual client information is required and a more thorough review process applies — no mock data is permitted in production.
**General entries:**
| **Tag** | **Description** | **Required** | **Type** | **Value restrictions** |
| :------------------------- | :------------------------------------------------------- | :-------------------------------------------------- | :------- | :---------------------------------------------------------------------------------- |
| legalEntityName | legal entity name | Yes | String | |
| hasDbaName | does the organization have a registered DBA name? | Yes | Boolean | `true` or `false` |
| dbaNames | DBA name | Yes, if `hasDbaName` is `true` | String | |
| businessRegistrationNumber | business registration number | Yes (this or `taxId` required) | String | |
| taxId | EIN | Yes (this or `businessRegistrationNumber` required) | Number | 9-digit number |
| proofOfAddressContext | explanation when `hasProofOfAddress` is `false` | No | String | |
| legalStructure | legal structure of the business | No | Enum | `C_CORP`; `LLC`; `LLP`; `LP`; `S_CORP`; `SOLE_PROP`; `TRUST`; `NON_PROFIT`; `OTHER` |
| legalStructureOther | legal structure when `legalStructure` is `OTHER` | No | String | |
| physicalCountry | country | Yes | String | ISO 3166-1 alpha-2 country code |
| physicalStreetAddress | street address | Yes | String | |
| physicalCity | city name | Yes | String | |
| physicalStateUS | US state | Yes, for US country | String | 2-character USPS state code |
| physicalStateOther | non-US state or province | Yes, for non-US countries | String | |
| physicalPostalCode | zip code or postal code | Yes | String | |
| hasProofOfAddress | can you provide a proof of address? | Yes | Boolean | `true` or `false` |
| hasProofOfAddressContext | additional context if unable to provide proof of address | No | String | |
**Additional entries for IRS reporting requirements (US and non-US entities):**
| **Tag** | **Description** | **Required** | **Type** | **Value restrictions** |
| :-------------------------- | :---------------------------------------------------------------- | :----------------------------------------------------------------------------------------------------------------------- | :------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **US entity** | | | | |
| taxClassificationUs | tax classification (entity type) | Yes if `taxId` is provided | Enum | See [tax classification values](#tax-classification-and-fatca-values) below |
| taxExemptionPayeeCode | exempt payee code | No | Enum | `TAX_EXEMPT_PAYEE_CODE_1` through `TAX_EXEMPT_PAYEE_CODE_13`. [Values](https://www.sec.gov/Archives/edgar/data/896923/000120677416006118/exhibit99_a1-vi.htm) |
| fatcaExemptionReportingCode | exemption from FATCA reporting code | No | Enum | See [FATCA values](#tax-classification-and-fatca-values) below |
| certifiedW9 | customer has signed W-9 certification | Yes if `taxId` is provided | Boolean | `true` or `false` |
| **Non-US entity** | | | | |
| taxClassificationNonUs | tax classification (entity type) | Yes if `businessRegistrationNumber` is provided | Enum | See [tax classification values](#tax-classification-and-fatca-values) below |
| disregardedEntityName | disregarded entity name | Yes if `taxClassificationNonUs` is `DISREGARDED_ENTITY` | String | |
| fatcaEntityType | FATCA entity type | Yes if `taxClassificationNonUs` is `DISREGARDED_ENTITY` | Enum | See [FATCA values](#tax-classification-and-fatca-values) below |
| fatcaStatusFfi | FATCA status | Yes if `fatcaEntityType` is `FFI` | Enum | See [FATCA values](#tax-classification-and-fatca-values) below |
| fatcaStatusNffe | FATCA status | Yes if `fatcaEntityType` is `NFFE` | Enum | See [FATCA values](#tax-classification-and-fatca-values) below |
| fatcaStatusExemptBO | FATCA status | Yes if `fatcaEntityType` is `EXEMPTBO` | Enum | See [FATCA values](#tax-classification-and-fatca-values) below |
| giin | GIIN | Yes if `fatcaStatusFfi` is `REPORTING_MODEL_1`, `REPORTING_MODEL_2`, or `REGISTERED_DEEMED_COMPLIANT_OTHER_THAN_MODEL_1` | String | See [GIIN composition](https://www.irs.gov/businesses/corporations/fatca-registration-and-ffi-list-giin-composition-information) |
| beneficialOwnersRequired | any individuals directly or indirectly owning ≥25% of the entity? | Yes if `fatcaStatusNffe` is `PASSIVE` | Boolean | |
| beneficiaryFirstName | beneficiary's legal first name | Yes if `beneficialOwnersRequired` is `true` | String | |
| beneficiaryLastName | beneficiary's legal last name | Yes if `beneficialOwnersRequired` is `true` | String | |
| beneficiaryTaxId | beneficiary's US taxpayer ID number | Yes if `beneficialOwnersRequired` is `true` | String | 9-digit number |
| beneficiaryAllocation | beneficiary's percentage of ownership | Yes if `beneficialOwnersRequired` is `true` | String | 1–100, no percentage sign or spaces (e.g., `35`) |
| beneficiaryCountry | beneficiary's residential country | Yes if `beneficialOwnersRequired` is `true` | String | ISO 3166-1 alpha-2 country code |
| beneficiaryStreetAddress | beneficiary's residential street address | Yes if `beneficialOwnersRequired` is `true` | String | |
| beneficiaryCity | beneficiary's residential city | Yes if `beneficialOwnersRequired` is `true` | String | |
| beneficiaryStateUS | beneficiary's residential state | Yes, for US country | String | 2-character USPS state code |
| beneficiaryStateOther | beneficiary's residential state/province | Yes, for non-US countries | String | |
| beneficiaryPostalCode | beneficiary's zip code or postal code | Yes if `beneficialOwnersRequired` is `true` | String | |
| certifiedW8 | customer has signed W-8 certification | Yes if `businessRegistrationNumber` is provided | Boolean | `true` or `false` |
### Tax classification and FATCA values
| Code | Label |
| :---------------- | :------------------ |
| `C_CORP` | C Corporation |
| `LLC_C_CORP` | LLC - C Corporation |
| `LLC_PARTNERSHIP` | LLC - Partnership |
| `LLC_S_CORP` | LLC - S Corporation |
| `PARTNERSHIP` | Partnership |
| `S_CORP` | S Corporation |
| `TRUST_ESTATE` | Trust/Estate |
| `OTHER` | Other |
| Code | Label |
| :------------------------------------- | :------------------------------------- |
| `CENTRAL_BANK` | Central bank of issue |
| `COMPLEX_TRUST` | Complex trust |
| `CORP` | Corporation |
| `DISREGARDED_ENTITY` | Disregarded entity |
| `ESTATE` | Estate |
| `FOREIGN_GOVERNMENT_CONTROLLED_ENTITY` | Foreign government – controlled entity |
| `FOREIGN_GOVERNMENT_INTEGRAL_PART` | Foreign government – integral part |
| `GRANTOR_TRUST` | Grantor trust |
| `INTERNATIONAL_ORGANIZATION` | International organization |
| `PARTNERSHIP` | Partnership |
| `PRIVATE_FOUNDATION` | Private foundation |
| `SIMPLE_TRUST` | Simple trust |
| `TAX_EXEMPT_ORGANIZATION` | Tax-exempt organization |
| Code | Description |
| :------------------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `FATCA_EXEMPT_REPORTING_CODE_A` | An organization exempt from tax under section 501(a) or any individual retirement plan as defined in section 701(a)(37) |
| `FATCA_EXEMPT_REPORTING_CODE_B` | The United States or any of its agencies or instrumentalities |
| `FATCA_EXEMPT_REPORTING_CODE_C` | A state, the District of Columbia, a U.S. commonwealth or territory, or any of their political subdivisions or instrumentalities |
| `FATCA_EXEMPT_REPORTING_CODE_D` | A corporation the stock of which is regularly traded on one or more established securities markets, as described in Regulations section 1.1472-1(c)(1)(i) |
| `FATCA_EXEMPT_REPORTING_CODE_E` | A corporation that is a member of the same expanded affiliated group as a corporation described in Regulations section 1.1472-1(c)(1)(i) |
| `FATCA_EXEMPT_REPORTING_CODE_F` | A dealer in securities, commodities, or derivative financial instruments (including notional principal contracts, futures, forwards, and options) that is registered as such under the laws of the United States or any state |
| `FATCA_EXEMPT_REPORTING_CODE_G` | A real estate investment trust |
| `FATCA_EXEMPT_REPORTING_CODE_H` | A regulated investment company as defined in section 851 or an entity registered at all times during the tax year under the Investment Company Act of 1940 |
| `FATCA_EXEMPT_REPORTING_CODE_I` | A common trust fund as defined in section 584(a) |
| `FATCA_EXEMPT_REPORTING_CODE_J` | A bank as defined in section 581 |
| `FATCA_EXEMPT_REPORTING_CODE_K` | A broker |
| `FATCA_EXEMPT_REPORTING_CODE_L` | A trust exempt from tax under section 664 or described in section 4947(a)(1) |
| `FATCA_EXEMPT_REPORTING_CODE_M` | A tax-exempt trust under a section 403(b) plan or section 457(g) plan |
| Code | Label | Description |
| :--------- | :------------------------------------- | :---------------------------------------------------------------------------------------------------------------------------------------------- |
| `EXEMPTBO` | Exempt beneficial owners | Entities generally exempt from FATCA, including foreign governments, central banks, and certain retirement funds or international organizations |
| `FFI` | Foreign Financial Institutions (FFIs) | Non-US entities that hold financial accounts or act as financial intermediaries, such as banks, investment funds, or custodians |
| `NFFE` | Non-Financial Foreign Entities (NFFEs) | Non-US entities that are not financial institutions, typically operating businesses engaged in trade, manufacturing, or services |
| `OTHER` | Other statuses | Accounts not considered financial accounts for FATCA purposes, which do not fall into the FFI, NFFE, or exempt categories |
| Code | Label |
| :--------------------------------------------------------------------- | :-------------------------------------------------------------------- |
| `CERTIFIED_DEEMED_COMPLIANT_INVESTMENT_ADVISERS_MANAGERS` | Certified deemed-compliant investment advisers/managers |
| `CERTIFIED_DEEMED_COMPLIANT_LIMITED_LIFE_DEBT_INVESTMENT_ENTITY` | Certified deemed-compliant limited-life debt investment entity |
| `CERTIFIED_DEEMED_COMPLIANT_LOCAL_BANK` | Certified deemed-compliant local bank |
| `CERTIFIED_DEEMED_COMPLIANT_LOW_VALUE_ACCOUNTS` | Certified deemed-compliant low-value accounts |
| `CERTIFIED_DEEMED_COMPLIANT_SPONSORED_CLOSELY_HELD_INVESTMENT_VEHICLE` | Certified deemed-compliant sponsored, closely held investment vehicle |
| `EXCEPTED_INTER_AFFILIATE` | Excepted inter-affiliate |
| `NONPARTICIPATING` | Nonparticipating |
| `NONREPORTING_IGA` | Nonreporting IGA |
| `OWNER_DOCUMENTED` | Owner-documented |
| `PARTICIPATING` | Participating |
| `REGISTERED_DEEMED_COMPLIANT_OTHER_THAN_MODEL_1` | Registered deemed-compliant (other than model 1) |
| `REPORTING_MODEL_1` | Reporting model 1 |
| `REPORTING_MODEL_2` | Reporting model 2 |
| `RESTRICTED_DISTRIBUTOR` | Restricted distributor |
| `SPONSORED_WITHOUT_GIIN` | Sponsored (without GIIN) |
| `TERRITORY_FINANCIAL_INSTITUTION` | Territory financial institution |
| Code | Label |
| :-------------------------------------------------------------- | :------------------------------------------------------------ |
| `501C_ORGANIZATION` | 501(c) organization |
| `ACTIVE` | Active |
| `DIRECT_REPORTING` | Direct reporting |
| `EXCEPTED_NONFINANCIAL_ENTITY_IN_LIQUIDATION_OR_BANKRUPTCY` | Excepted nonfinancial entity in liquidation or bankruptcy |
| `EXCEPTED_NONFINANCIAL_GROUP_ENTITY` | Excepted nonfinancial group entity |
| `EXCEPTED_NONFINANCIAL_STARTUP_COMPANY` | Excepted nonfinancial start-up company |
| `EXCEPTED_TERRITORY` | Excepted territory |
| `NONPROFIT_ORGANIZATION` | Nonprofit organization |
| `PASSIVE` | Passive |
| `PUBLICLY_TRADED_OR_AFFILIATE_OF_A_PUBLICLY_TRADED_CORPORATION` | Publicly traded or affiliate of a publicly traded corporation |
| `SPONSORED_DIRECT_REPORTING` | Sponsored direct reporting |
| Code | Label |
| :------------------------------------------------------- | :--------------------------------------------------------- |
| `ENTITY_WHOLLY_OWNED_BY_EXEMPT_BENEFICIAL_OWNERS` | Entity wholly owned by exempt beneficial owners |
| `EXEMPT_RETIREMENT_PLAN` | Exempt retirement plan |
| `FOREIGN_GOVERNMENT_US_POSSESSION_CENTRAL_BANK_OF_ISSUE` | Foreign government / US possession / central bank of issue |
| `INTERNATIONAL_ORGANIZATION` | International organization |
A unique `customerId` is returned, which is used in all future calls to identify this end client.
```json Request — US entity theme={null}
{
"applicationType": "RIA_PC_INSTITUTION",
"entries": [
{ "key": "legalEntityName", "value": "Encom LLC" },
{ "key": "hasDbaName", "value": true },
{ "key": "dbaNames", "value": "Encom Video Games" },
{ "key": "taxId", "value": "123456789" },
{ "key": "physicalCountry", "value": "US" },
{ "key": "physicalStreetAddress", "value": "123 Lightcycle Way" },
{ "key": "physicalCity", "value": "San Francisco" },
{ "key": "physicalStateUS", "value": "CA" },
{ "key": "physicalPostalCode", "value": "94104" },
{ "key": "hasProofOfAddress", "value": true },
{ "key": "taxClassificationUs", "value": "C_CORP" },
{ "key": "taxExemptionPayeeCode", "value": "TAX_EXEMPT_PAYEE_CODE_5" },
{ "key": "fatcaExemptionReportingCode", "value": "FATCA_EXEMPT_REPORTING_CODE_D" },
{ "key": "certifiedW9", "value": true }
]
}
```
```json Request — non-US entity theme={null}
{
"applicationType": "RIA_PC_INSTITUTION",
"entries": [
{ "key": "legalEntityName", "value": "Encom LLC" },
{ "key": "hasDbaName", "value": true },
{ "key": "dbaNames", "value": "Encom Video Games" },
{ "key": "businessRegistrationNumber", "value": "123456789" },
{ "key": "physicalCountry", "value": "GB" },
{ "key": "physicalStreetAddress", "value": "123 Lightcycle Way" },
{ "key": "physicalCity", "value": "London" },
{ "key": "physicalStateOther", "value": "London" },
{ "key": "physicalPostalCode", "value": "94104" },
{ "key": "hasProofOfAddress", "value": true },
{ "key": "taxClassificationNonUs", "value": "CORP" },
{ "key": "fatcaEntityType", "value": "NFFE" },
{ "key": "fatcaStatusNffe", "value": "PASSIVE" },
{ "key": "beneficialOwnersRequired", "value": true },
{
"key": "beneficiaryGroup",
"value": [
{
"beneficiaryFirstName": "John",
"beneficiaryLastName": "Smith",
"beneficiaryTaxId": "123456789",
"beneficiaryAllocation": "60",
"beneficiaryCountry": "GB",
"beneficiaryStreetAddress": "10 Downing Street",
"beneficiaryCity": "London",
"beneficiaryStateOther": "England",
"beneficiaryPostalCode": "SW1A 1AA"
},
{
"beneficiaryFirstName": "Jane",
"beneficiaryLastName": "Doe",
"beneficiaryTaxId": "987654321",
"beneficiaryAllocation": "40",
"beneficiaryCountry": "GB",
"beneficiaryStreetAddress": "221B Baker Street",
"beneficiaryCity": "London",
"beneficiaryStateOther": "England",
"beneficiaryPostalCode": "NW1 6XE"
}
]
},
{ "key": "certifiedW8", "value": true }
]
}
```
```json Response theme={null}
{
"data": {
"customerId": "d6f81b1563687f326ac9e3d4a00f9a0949e4ca81158cc47674846d27094b2503",
"status": "IN_PROGRESS"
}
}
```
### Step 2: Upload required documents
**`POST /v2/onboarding/customers/{{customerId}}/document`**
| **Tag** | **Description** | **Required** | **Type** | **Value restrictions** |
| :------------------- | :---------------------- | :------------------------------------ | :------- | :--------------------------------- |
| constitutionDocument | constitutional document | Yes | Upload | GIF, JPEG, PNG, or PDF — max 25 MB |
| proofOfAddress | proof of address | Yes, if `hasProofOfAddress` is `true` | 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.
```json Request theme={null}
{
"documentType": "constitutionDocument"
}
```
```json Response theme={null}
{
"data": {
"url": "https://storage.googleapis.com/anchorage/pii/v1/{{customerId}}/CONSTITUTION_DOCUMENT/{{documentId}}?X-Goog-Algorithm=GOOG4-RSA-SHA256&X-Goog-Expires=899&X-Goog-Signature={{signature}}"
}
}
```
Upload the image to the returned URL:
```bash theme={null}
curl -X PUT -H 'Content-Type: application/octet-stream' --data-binary @image.png {{step4url.response.body.data.url}}
```
### Step 3: Check onboarding status
**`GET /v2/onboarding/customers/{{customerId}}`**
Any errors or missing documents are listed in the `errors` section of the response.
```json Response theme={null}
{
"data": {
"customerId": "26c014539bd34e8e441e34381d9d5dad9434bb3645dbbf27d8267304e7ad0584",
"entries": [
{ "key": "legalEntityName", "value": "ACME Corp - 2025-04-11T11:08:11.771Z" },
{ "key": "dbaNames", "value": "Encom Video Games" },
{ "key": "taxId", "value": "123456789" },
{ "key": "hasProofOfAddress", "value": "Yes" },
{ "key": "physicalCity", "value": "San Francisco" },
{ "key": "physicalCountry", "value": "United States" },
{ "key": "physicalStateUS", "value": "California" },
{ "key": "physicalStreetAddress", "value": "123 Lightcycle Way" },
{ "key": "physicalPostalCode", "value": "94104" },
{ "key": "hasDbaName", "value": "Yes" }
],
"errors": [
{ "key": "constitutionDocument", "status": "MISSING", "value": "expected 1 answer for non-void triggered question, instead got 0" },
{ "key": "proofOfAddress", "status": "MISSING", "value": "expected 1 answer for non-void triggered question, instead got 0" }
],
"status": "IN_PROGRESS"
}
}
```
### Step 4: Submit the client application
**`POST /v2/onboarding/customers/{{customerId}}/submit`**
Once submitted, you can move on to opening the account — you don't need to wait for approval first (see the note above).
### Step 5: Check client 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 completes, register for webhooks — see [Configure webhooks](/knowledge-base/platform/developers/webhooks/webhooks-configure).
### Step 6: Create the account
**`POST /v2/onboarding/subaccounts`**
Supported business account type:
| Account type | Subtype | End client(s) |
| :---------------------- | :------ | :------------ |
| `INSTITUTIONAL_TAXABLE` | — | 1 |
Expected program signers:
| Account type | Expected program signers |
| :---------------------- | :----------------------------------- |
| `INSTITUTIONAL_TAXABLE` | Initial set of named program signers |
Key fields:
| Field | Description | Required | Type | Restrictions |
| :------------------------------------------ | :----------------------------------------------- | :---------------------------------------- | :------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `legalEntityName` | Legal entity name | Yes | String | |
| `accountType` | Account type | Yes | Enum | `INSTITUTIONAL_TAXABLE` |
| `programSignerGroup` | List of program signers | Yes | Array | |
| `programSignerGroup/programSignerFirstName` | First name | Yes | String | |
| `programSignerGroup/programSignerLastName` | Last name | Yes | String | |
| `programSignerGroup/programSignerEmail` | Email | Yes | String | Valid email |
| `documentPreferenceAddressDefaultEmail` | Statement delivery email(s) | Yes | String | Comma-separated valid emails |
| `termsAgreementID` | Terms agreement ID | If T\&Cs enabled | String | ID from `/v2/onboarding/agreements/terms` — see [Terms and conditions](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-terms-types) |
| `beneficiaryGroup` | Beneficiaries | No | Array | |
| `beneficiaryGroup/beneficiaryType` | Type | Yes | Enum | `SPOUSE`, `FAMILY_OR_FRIEND`, `CHARITY`, `TRUST`, `ESTATE` |
| `beneficiaryGroup/beneficiaryName` | Name | Yes | String | |
| `beneficiaryGroup/beneficiaryAllocation` | Allocation % | Yes, must sum to 100 | Number | 1–100 |
| `contingencyBeneficiaryGroup` | Contingency beneficiaries | No | Array | Same structure as `beneficiaryGroup` |
| `fees` | Fee configuration | No | Array | See [fee types](/knowledge-base/platform/developers/wealth/wealth-management-subaccounts#fee-types) |
| `isSegregated` | Wallet structure (omnibus or segregated wallets) | No, defaults to `false` (omnibus wallets) | Boolean | Org must opt into feature |
| `programCustomers` | Linked end clients | Yes | Array | |
| `programCustomers/programCustomerId` | End client ID | Yes | String | The `customerId` from Step 1 — or an existing client's `customerId` if you skipped onboarding |
| `programCustomers/programCustomerRole` | Role | Yes | Enum | `PRIMARY` or `SECONDARY` |
| `submit` | Submit immediately | No, defaults to `false` | Boolean | |
Each account requires a signer who can represent the client. The initial set of named program signers acts on the business's behalf.
```json Example request theme={null}
{
"name": "{{name}}",
"externalId": "{{externalId}}",
"submit": true,
"entries": [
{ "key": "legalEntityName", "value": "SubAccount INSTITUTIONAL_TAXABLE" },
{ "key": "accountType", "value": "INSTITUTIONAL_TAXABLE" },
{ "key": "isSegregated", "value": true },
{ "key": "documentPreferenceAddressDefaultEmail", "value": "kevin.flynn_4@test.com" },
{ "key": "programSignerGroup", "value": [
{ "programSignerFirstName": "Kevin", "programSignerLastName": "Flynn_5", "programSignerEmail": "kevin.flynn_5@test.com" },
{ "programSignerFirstName": "Kevin", "programSignerLastName": "Flynn_6", "programSignerEmail": "kevin.flynn_6@test.com" }
]
},
{ "key": "programCustomers", "value": [
{ "programCustomerId": "{{customerId1}}", "programCustomerRole": "PRIMARY" }
]
},
{ "key": "fees", "value": [
{ "feeType": "ADVISORY", "feeRate": "0.1" },
{ "feeType": "MANAGEMENT", "feeRate": "0.25", "feeIsBillable": true }
]
}
]
}
```
A unique `subaccountId` is returned for all future references to this account.
Add `termsAgreementId` to a program signer's entry only if [terms and conditions delivery](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-terms-types) requires their explicit agreement. See [Onboarding examples](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-examples) for complete request payloads, with and without a `termsAgreementId`, for every account type.
### Step 7: List account applications
**`GET /v2/onboarding/subaccounts`**
Returns all account onboarding applications associated with this API key. Supports `afterId` and `limit` for cursor pagination.
### Step 8: Check account status
**`GET /v2/onboarding/subaccounts/{subaccountId}`**
Errors and missing documents are listed in the `errors` array of the response.
### Step 9: Update the account application (if errors are present)
**`PUT /v2/onboarding/subaccounts/{subaccountId}`**
Uses the same `entries` array shape as Step 6. Only include the entries you want to change — omitted fields keep their existing value.
```json Example request theme={null}
{
"entries": [
{ "key": "documentPreferenceAddressDefaultEmail", "value": "kevin.flynn_4-updated@test.com" }
]
}
```
Any change to a client's data, or a request to terminate their account, is authenticated by Anchorage Digital Bank with the end client via DocuSign before processing.
### Step 10: Submit the account application (if `submit: false`)
**`POST /v2/onboarding/subaccounts/{subaccountId}/submit`**
### Step 11: Check account approval status
**`GET /v2/subaccounts/customers/accounts?subaccountIds={subaccountId}`**
Status values: `PENDING` (received, awaiting approval) → `OPEN` (approved and active). Alternatively, subscribe to the `subaccount.opened` webhook event for asynchronous notification.
***
## Reliance only: edit client 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 | |
| hasDbaName | does the organization have a registered DBA name? | Yes | Yes | Boolean | `true` or `false` |
| dbaNames | DBA name | Yes, if `hasDbaName` is `true` | Yes | String | |
| taxId | EIN | Yes (this or `businessRegistrationNumber` required) | No | Number | 9-digit number |
| businessRegistrationNumber | business registration number | Yes (this or `taxId` required) | No | String | |
| proofOfAddressContext | explanation when `hasProofOfAddress` is `false` | No | Yes | String | |
| legalStructure | legal structure of the business | No | No | Enum | `C_CORP`; `LLC`; `LLP`; `LP`; `S_CORP`; `SOLE_PROP`; `TRUST`; `NON_PROFIT`; `OTHER` |
| legalStructureOther | legal structure when `legalStructure` is `OTHER` | No | Yes | String | |
| physicalCountry | country | Yes | Yes | String | ISO 3166-1 alpha-2 country code |
| physicalStreetAddress | street address | Yes | Yes | String | |
| physicalCity | city name | Yes | Yes | String | |
| physicalStateUS | US state | Yes, for US country | Yes | String | 2-character USPS state code |
| physicalStateOther | non-US state or province | Yes, for non-US countries | Yes | String | |
| physicalPostalCode | zip code or postal code | Yes | Yes | String | |
| hasProofOfAddress | can you provide a proof of address? | Yes | Yes | Boolean | `true` or `false` |
| hasProofOfAddressContext | additional context if unable to provide proof of address | No | Yes | String | |
## Related topics
- [Onboarding examples](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-examples.md)
- [Overview](/knowledge-base/platform/developers/wealth/wealth-management-overview.md)
- [Account hierarchy](/knowledge-base/platform/developers/account-hierarchy.md)
- [Onboard individuals](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-individuals.md)