> ## Documentation Index > Fetch the complete documentation index at: https://docs.stablestack.com/llms.txt > Use this file to discover all available pages before exploring further. # Create Individual > API reference for creating individual customer accounts Creates a new individual customer account with comprehensive KYC processing. ### Key Features: * Comprehensive personal information collection * Individual-specific validation rules * Email and phone uniqueness validation * Document upload for compliance * Returns complete personal profile with financial info ### Request Body: ```json theme={null} { "customer_type": "individual", "first_name": "john", "middle_name": "Oluwaseun", "last_name": "ola", "email": "olajohn3@gmail.com", "phone": "+2348918945668", "birth_date": "1990-01-15", "account_purpose": "PERSONAL_OR_LIVING_EXPENSES", "employment_status": "EMPLOYED", "expected_monthly_income": 500000, "most_recent_occupation": "151211", "source_of_funds": "SALARY", "phone_country_code": "+234", "account_purpose_explanation": "To save money for future investments and handle personal transactions", "expected_monthly_payments_usd": 1000, "acting_as_intermediary": false, "tax_identification_number": "TIN987654321", "user_documents": [ { "doc_type": "valid_ids", "sub_type": "front", "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...", "doc_country": "NG" }, { "doc_type": "utility_bill", "doc_image": "data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ...", "doc_country": "NG" } ] } ``` ### Enhanced Individual Fields: * **phone\_country\_code**: Country code for phone number * **account\_purpose\_explanation**: Detailed explanation of account purpose * **expected\_monthly\_payments\_usd**: Expected monthly payments in USD * **acting\_as\_intermediary**: Whether acting as an intermediary for third parties * **tax\_identification\_number**: Tax identification number * **most\_recent\_occupation**: SOC occupation code (e.g., "151211" for Computer Systems Analyst) * **documents**: Array of supporting documents for KYC ### Document Requirements: Common document types for individual customers: * `valid_ids` (passport, driver's license, national ID) * `utility_bill` (proof of address) * `BANK_STATEMENT` * `PROOF_OF_ADDRESS` * `OTHER` (additional supporting documents) ### Validation Notes: * All monetary amounts can be provided in local currency * Phone numbers should include country codes * Document images can be provided as base64 strings or URLs * Address information is required for compliance ## OpenAPI ````yaml POST /individual-customers openapi: 3.0.0 info: title: 'StableStack: API Service' description: "# Overview\n\n## Introduction\n\nStableStack offers an API first, last mile payment orchestration + liquidity router built with stablecoins. Stablecoin layer integrated into your existing payment flow, with smart accounts and blockchain abstraction. Go between digital and fiat currencies in minutes.\n\n## Getting Help\n\nWe're excited to have you build with us! If you're integrating, we will set up a communication channel. This will enable our teams to easily collaborate and ensure you launch as quickly as possible.\n\nPlease reach out to us at\_[hello@stablestack.xyz](https://mailto:hello@stablestack.xyz)\_for any questions or concerns." version: 1.0.0 servers: - url: https://api-staging.stablestack.com/api description: StableStack API security: [] tags: - name: customers - name: customers > kyc - name: payouts - name: banks - name: transactions - name: wallets - name: assets - name: swap paths: /individual-customers: post: tags: - individual customers summary: Create individual customer parameters: - name: x-api-key in: header schema: type: string required: true example: '' requestBody: description: Create a new individual customer account required: true content: application/json: schema: $ref: '#/components/schemas/IndividualCustomer' responses: '201': description: Created content: application/json: schema: $ref: '#/components/schemas/IndividualCustomerResponse' components: schemas: IndividualCustomer: type: object required: - customer_type - first_name - last_name - email - phone - birth_date - account_purpose - employment_status - expected_monthly_income - most_recent_occupation - source_of_funds - registered_address properties: customer_type: type: string enum: - individual default: individual first_name: type: string minLength: 1 maxLength: 50 example: John description: First name of the individual middle_name: type: string maxLength: 50 example: Oluwaseun description: Middle name of the individual (optional) last_name: type: string minLength: 1 maxLength: 50 example: Ola description: Last name of the individual email: type: string format: email example: olajohn3@gmail.com description: Email address of the individual phone: type: string pattern: ^\+[1-9]\d{1,14}$ example: '+2348918945668' description: Phone number with country code birth_date: type: string format: date example: '1990-01-15' description: Date of birth (must be 18+ years old) account_purpose: type: string enum: - CHARITABLE_DONATIONS - ECOMMERCE_RETAIL_PAYMENTS - INVESTMENT_PURPOSES - PAYMENTS_TO_FRIENDS_OR_FAMILY_ABROAD - OTHER - PAYROLL - PERSONAL_OR_LIVING_EXPENSES - PROTECT_WEALTH - PURCHASE_GOODS_AND_SERVICES - RECEIVE_PAYMENT_FOR_FREELANCING - RECEIVE_SALARY - TAX_OPTIMIZATION - THIRD_PARTY_MONEY_TRANSMISSION - TREASURY_MANAGEMENT example: PERSONAL_OR_LIVING_EXPENSES description: Primary purpose for using the account employment_status: type: string enum: - EMPLOYED - SELF_EMPLOYED - UNEMPLOYED - STUDENT - RETIRED - OTHER example: EMPLOYED description: Current employment status expected_monthly_income: type: number minimum: 0 example: 500000 description: Expected monthly income in local currency most_recent_occupation: type: string enum: - '132011' - '272011' - '152011' - '291291' - '519191' - '113012' - '112011' - '413011' - '172011' - '131011' - '194010' - '191010' - '172021' - '452011' - '532020' - '493011' - '532010' - '512011' - '533011' - '452021' - '392021' - '339011' - '392011' - '171011' - '173011' - '119041' - '254010' - '271010' - '192010' - '272021' - '192021' - '291181' - '492097' - '493021' - '493022' - '493023' - '492091' - '396010' - '333011' - '513011' - '395011' - '353011' - '433011' - '433021' - '172031' - '191020' - '194021' - '472011' - '433031' - '472020' - '273011' - '274010' - '434011' - '132031' - '493031' - '131199' - '513020' - '131021' - '517011' - '292031' - '435011' - '472031' - '472040' - '412010' - '472050' - '351011' - '172041' - '519010' - '194031' - '192030' - '111011' - '211021' - '399011' - '291011' - '172051' - '131030' - '537061' - '212011' - '193033' - '292010' - '272022' - '499091' - '271021' - '499092' - '432099' - '113111' - '131141' - '131041' - '151221' - '113021' - '172061' - '151241' - '519160' - '151299' - '151251' - '151230' - '151211' - '492011' - '191030' - '474011' - '472070' - '472061' - '119021' - '499010' - 5370XX - '352010' - '333012' - '434021' - '131051' - '211019' - '412021' - '435021' - '273092' - '434031' - '537021' - '132041' - '434041' - '132070' - '339091' - '519020' - '434051' - '519030' - '514031' - '272030' - '439021' - 15124X - '519080' - '319091' - '291292' - '291020' - '475010' - '439031' - '333021' - '292032' - 29205X - '291031' - '359011' - '212021' - '272091' - '359021' - '435032' - '419091' - '533030' - '472080' - '475023' - '193011' - '273041' - '119030' - '211012' - '492092' - '173023' - '172070' - '492093' - 49209X - '499051' - '512020' - '472111' - '492096' - '252020' - '474021' - '434061' - 3940XX - '119161' - '292042' - '291214' - '512031' - '172199' - '272099' - '119070' - '172081' - '194040' - '192041' - '519194' - '475022' - '436011' - '291128' - '399031' - '475032' - '519041' - '113013' - '119013' - '271022' - '353023' - '474031' - '434071' - '132051' - '433099' - '132061' - '113031' - '332020' - '332011' - '552010' - '471011' - '331011' - '451011' - '331021' - '351012' - '371011' - '371012' - '491011' - '411012' - '431011' - '331012' - '511011' - '331099' - '411011' - '331091' - '333031' - '453031' - '532031' - '271023' - '513091' - '513092' - '513093' - '359099' - '352021' - '513099' - '353041' - '119051' - '454011' - '514020' - '131131' - '119171' - '519051' - '517021' - '433041' - '393010' - '111021' - 19204X - '472121' - '452041' - '271024' - '514033' - '395012' - '474041' - '291299' - '211022' - '499021' - '493040' - '499098' - '519198' - '473010' - '474051' - '499031' - '311121' - '359031' - '434081' - '434161' - '113121' - '131070' - 49904X - '172110' - '113051' - '537051' - '434199' - '151212' - '519061' - '472130' - '439041' - '413021' - '132053' - '271025' - '273091' - '434111' - 37201X - '519071' - '231020' - '231012' - '537062' - '171012' - '373011' - '516011' - '231011' - '436012' - '232099' - '111031' - '254022' - '434121' - '254031' - '292061' - '191099' - '434131' - '499094' - '534010' - '119081' - '454020' - '131081' - '537063' - '514041' - '292035' - '372012' - '439051' - '499071' - '499043' - '131111' - '119199' - '395092' - '499095' - '172121' - '131161' - '112021' - '211013' - '319011' - '172131' - '152021' - '172141' - '274099' - '273099' - '119111' - '319092' - '292072' - '191040' - '436013' - '319094' - '131121' - '211023' - '211014' - '271026' - '514050' - '435041' - '553010' - '551010' - '554010' - '499044' - '172151' - '452090' - '474090' - '292090' - '518090' - '193090' - '493090' - '514060' - '419010' - '514070' - '519195' - '394031' - '533099' - '272041' - '272042' - '119121' - '151244' - '434141' - '273023' - '172161' - 29203X - '194051' - '291151' - '291161' - '291171' - '311131' - '195010' - '291122' - '312010' - '439199' - '439061' - '439071' - '152031' - '292081' - '291041' - '434151' - 31113X - 5120XX - 21109X - 27102X - 17301X - 2590XX - 17302X - 3930XX - 4750XX - 1320XX - 37301X - '299000' - 31909X - 49909X - 1940XX example: '151211' description: >- Most recent occupation based on SOC codes - use the code value for API requests source_of_funds: type: string enum: - BUSINESS_LOANS - GRANTS - INTER_COMPANY_FUNDS - INVESTMENT_PROCEEDS - LEGAL_SETTLEMENT - OWNERS_CAPITAL - PENSION_RETIREMENT - SALE_OF_ASSETS - SALES_OF_GOODS_AND_SERVICES - TAX_REFUND - THIRD_PARTY_FUNDS - TREASURY_RESERVES - ASSETS_SALE - BUSINESS_INCOME - CASH_DEPOSITS - COMPANY_FUNDS - ECOMMERCE_RESELLER - GAMBLING_PROCEEDS - GIFTS - GOVERNMENT_BENEFITS - INHERITANCE - INVESTMENTS_LOANS - SALARY - SALE_OF_ASSETS_REAL_ESTATE - SAVINGS - SOMEONE_ELSES_FUNDS example: SALARY description: Primary source of funds registered_address: $ref: '#/components/schemas/RegisteredAddress' phone_country_code: type: string pattern: ^\+[1-9]\d{0,3}$ example: '+234' description: Country code for phone number account_purpose_explanation: type: string maxLength: 1000 example: >- To save money for future investments and handle personal international transactions description: Detailed explanation of account purpose expected_monthly_payments_usd: type: number minimum: 0 example: 1000 description: Expected monthly payments in USD acting_as_intermediary: type: boolean default: false description: Whether acting as an intermediary for third parties tax_identification_number: type: string example: TIN987654321 description: Tax identification number (optional) documents: type: array description: Array of supporting documents for KYC verification items: $ref: '#/components/schemas/UserDocument' IndividualCustomerResponse: type: object properties: status: type: string example: success data: $ref: '#/components/schemas/IndividualCustomerData' RegisteredAddress: type: object description: Address information (used for both individual and business customers) required: - street1 - city - state - postal_code - country properties: street1: type: string minLength: 1 maxLength: 100 example: 123 Main St description: Primary address line street2: type: string maxLength: 100 example: Suite 456 description: Secondary address line (optional) city: type: string minLength: 1 maxLength: 50 example: Lagos description: City name state: type: string minLength: 1 maxLength: 50 example: DE description: >- State or province code with country prefix (e.g., DE for Delware, LA for Lagos) postal_code: type: string minLength: 1 maxLength: 20 example: '214578' description: Postal or ZIP code country: type: string enum: - AF - AL - DZ - AD - AO - AG - AR - AM - AU - AT - AZ - BS - BH - BD - BB - BY - BE - BZ - BJ - BT - BO - BA - BW - BR - BN - BG - BF - BI - CV - KH - CM - CA - CF - TD - CL - CN - CO - KM - CG - CR - HR - CU - CY - CZ - CD - DK - DJ - DM - DO - EC - EG - SV - GQ - ER - EE - SZ - ET - FJ - FI - FR - GA - GM - GE - DE - GH - GR - GD - GT - GN - GW - GY - HT - HN - HU - IS - IN - ID - IR - IQ - IE - IL - IT - JM - JP - JO - KZ - KE - KI - KW - KG - LA - LV - LB - LS - LR - LY - LI - LT - LU - MG - MW - MY - MV - ML - MT - MH - MR - MU - MX - FM - MD - MC - MN - ME - MA - MZ - MM - NA - NR - NP - NL - NZ - NI - NE - NG - KP - MK - 'NO' - OM - PK - PW - PS - PA - PG - PY - PE - PH - PL - PT - QA - RO - RU - RW - KN - LC - VC - WS - SM - ST - SA - SN - RS - SC - SL - SG - SK - SI - SB - SO - ZA - KR - SS - ES - LK - SD - SR - SE - CH - SY - TW - TJ - TZ - TH - TL - TG - TO - TT - TN - TR - TM - TV - UG - UA - AE - GB - US - UY - UZ - VU - VA - VE - VN - YE - ZM - ZW example: NG description: ISO 3166-1 alpha-2 country code UserDocument: type: object description: Supporting document for KYC verification required: - doc_type - doc_image - doc_country properties: doc_type: type: string enum: - AML_COMFORT_LETTER - BUSINESS_FORMATION - DIRECTORS_REGISTRY - E_SIGNATURE_CERTIFICATE - EVIDENCE_OF_GOOD_STANDING - FLOW_OF_FUNDS - MARKETING_MATERIALS - OWNERSHIP_CHART - OWNERSHIP_INFORMATION - PROOF_OF_ACCOUNT_PURPOSE - BANK_STATEMENT - PROOF_OF_ADDRESS - PROOF_OF_INDIVIDUAL_NAME_CHANGE - PROOF_OF_ENTITY_NAME_CHANGE - PROOF_OF_NATURE_OF_BUSINESS - PROOF_OF_RELATIONSHIP - PROOF_OF_SIGNATORY_AUTHORITY - PROOF_OF_SOURCE_OF_FUNDS - PROOF_OF_SOURCE_OF_WEALTH - PROOF_OF_TAX_IDENTIFICATION - LIVENESS_CHECK - SELFIE - SHAREHOLDER_REGISTER - OTHER example: valid_ids description: >- Type of document being submitted - supports both individual and business KYC requirements sub_type: type: string enum: - UTILITY_BILL - BANK_STATEMENT - TAX_DOCUMENT - GOVERNMENT_CORRESPONDENCE - RENTAL_AGREEMENT example: front description: Sub-type of document if applicable (e.g., front/back of ID) doc_image: type: string format: byte example: data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQ... description: Base64 encoded image data or URL to document image doc_country: type: string enum: - AF - AL - DZ - AD - AO - AG - AR - AM - AU - AT - AZ - BS - BH - BD - BB - BY - BE - BZ - BJ - BT - BO - BA - BW - BR - BN - BG - BF - BI - CV - KH - CM - CA - CF - TD - CL - CN - CO - KM - CG - CR - HR - CU - CY - CZ - CD - DK - DJ - DM - DO - EC - EG - SV - GQ - ER - EE - SZ - ET - FJ - FI - FR - GA - GM - GE - DE - GH - GR - GD - GT - GN - GW - GY - HT - HN - HU - IS - IN - ID - IR - IQ - IE - IL - IT - JM - JP - JO - KZ - KE - KI - KW - KG - LA - LV - LB - LS - LR - LY - LI - LT - LU - MG - MW - MY - MV - ML - MT - MH - MR - MU - MX - FM - MD - MC - MN - ME - MA - MZ - MM - NA - NR - NP - NL - NZ - NI - NE - NG - KP - MK - 'NO' - OM - PK - PW - PS - PA - PG - PY - PE - PH - PL - PT - QA - RO - RU - RW - KN - LC - VC - WS - SM - ST - SA - SN - RS - SC - SL - SG - SK - SI - SB - SO - ZA - KR - SS - ES - LK - SD - SR - SE - CH - SY - TW - TJ - TZ - TH - TL - TG - TO - TT - TN - TR - TM - TV - UG - UA - AE - GB - US - UY - UZ - VU - VA - VE - VN - YE - ZM - ZW example: NG description: ISO 3166-1 alpha-2 country code where document was issued IndividualCustomerData: type: object properties: id: type: string format: uuid example: 11a3c37f-06bb-4e7c-9813-0e47d47e9e2d customer_type: type: string example: individual email: type: string example: olajohn3@gmail.com phone: type: string example: '+2348918945668' created_at: type: string format: date-time example: '2025-05-09T16:33:57.844Z' updated_at: type: string format: date-time example: '2025-05-09T16:33:57.844Z' status: type: string example: active address: $ref: '#/components/schemas/RegisteredAddress' personal_info: type: object properties: first_name: type: string example: john middle_name: type: string example: Oluwaseun last_name: type: string example: ola birth_date: type: string format: date-time example: '1990-01-14T23:00:00.000Z' financial_info: type: object properties: account_purpose: type: string example: personal savings employment_status: type: string example: employed expected_monthly_income: type: string example: '500000.00' most_recent_occupation: type: string example: Software Engineer source_of_funds: type: string example: salary ````