> ## 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 institutions > Submit, upload, and approve institutional end client onboarding applications via the Anchorage Digital onboarding API. This flow supports opening the following account types for institutional 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 institution 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 `hasDbaName` boolean field. * New `dbaNames` field — required when `hasDbaName` is `true`. * New upload field `constitutionDocument` — required. * New upload field `proofOfAddress` — required when `hasProofOfAddress` is `true`. * Removed fields: `legalStructure`, `customerType`, `countryOfIncorporation`, `legalRegistAddrDifPrincPlace` and all related legal address fields, `initialFundingWalletGroup`, `sourceOfWealth`. *** ## Integration steps **`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 If the given `externalId` has already been tied to another end client, an `external_id already in use` error will be returned. **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 institution | 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 classifications](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-tax-classifications) | | 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](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-fatca) | | 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 classifications](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-tax-classifications) | | disregardedEntityName | disregarded entity name | Yes if `taxClassificationNonUs` is `DISREGARDED_ENTITY` | String | | | fatcaEntityType | FATCA entity type | Yes if `taxClassificationNonUs` is `DISREGARDED_ENTITY` | Enum | See [FATCA](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-fatca) | | fatcaStatusFfi | FATCA status | Yes if `fatcaEntityType` is `FFI` | Enum | See [FATCA](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-fatca) | | fatcaStatusNffe | FATCA status | Yes if `fatcaEntityType` is `NFFE` | Enum | See [FATCA](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-fatca) | | fatcaStatusExemptBO | FATCA status | Yes if `fatcaEntityType` is `EXEMPTBO` | Enum | See [FATCA](/knowledge-base/platform/developers/wealth/wealth-management-onboarding-fatca) | | 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` | A unique `customerId` is returned, which will be used in all future calls to identify this end client at Anchorage Digital. **Sample — US entity:** ```json 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 } ] } ``` **Sample — non-US entity:** ```json 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 } ] } ``` **Response:** ```json theme={null} { "data": { "customerId": "d6f81b1563687f326ac9e3d4a00f9a0949e4ca81158cc47674846d27094b2503", "status": "IN_PROGRESS" } } ``` **`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. **Sample request:** ```json theme={null} { "documentType": "constitutionDocument" } ``` **Sample response:** ```json theme={null} { "data": { "url": "https://storage.googleapis.com/staging-191601-bio-default/anchorage/pii/v1/d6f81b1563687f326ac9e3d4a00f9a0949e4ca81158cc47674846d27094b2503/CONSTITUTION_DOCUMENT/994c0115e0f5cd3c0bd17f82c93bd63aec1f3f919a9e7e431ce62aa564ea2c3d?X-Goog-Algorithm=GOOG4-RSA-SHA256&X-Goog-Credential=kyc-default%40staging-191601.iam.gserviceaccount.com%2F20250409%2Fauto%2Fstorage%2Fgoog4_request&X-Goog-Date=20250409T043734Z&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 {{step4url.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": "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" } } ``` **`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": "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" } ], "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 | | | 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 institution | 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 | | *** ## 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 **Tax Classification**. | | June 10, 2025 | Updates for new onboarding API payloads and flows | | May 1, 2025 | Initial version |