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Account Holders qualify for all Authorized Signer and Authorized User use-cases. Authorized Signers qualify for all Authorized User use-cases. To ensure that an entity meets role requirements during a Create or Update entity request, you must pass the intended_roles parameter. To check role eligibility for an entity, you may observe the role_details parameter of the GET entity request. Allowed roles:
  • Account Holder: Entity with full control and legal responsibility for the account.
  • Authorized Signer: Individual authorized to sign on behalf of the account holder, without legal responsibility. Common for business accounts.
  • Authorized User: Individual with restricted account access, without legal responsibility.
An entity may be eligible for more than 1 role. In this case, you can specify multiple roles in intended_roles (e.g., authorized signer, account holder) when creating an entity. However, all roles included in intended_roles must successfully pass validation for the entity to be created. See the next sections for more details on types of entities and how to use intended_roles and data requirements on intended roles.

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Role Use Cases

Account Holder Role
  • Necessary for provisioning and using Account Numbers.
  • Necessary for designating an entity as an account_holder in the Account file .
  • Allows for provisioning Cards to an entity — if the entity is also listed as an Account Holder for the Account under which the card is provisioned.
Authorized Signer Role
  • Necessary for listing an entity as a beneficial owner or control person for a business entity.
  • Necessary for designating an entity as an authorized_signer in the Account file.
Authorized User Role
  • Necessary for designating an entity as an authorized_user in the Account file.
  • Allows for provisioning Cards to an entity — if the entity is also listed as an Authorized User for the Account under which the card is provisioned.

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Data Requirements

IndividualBusinessSole Proprietorship
Authorized User- First name - Last name - Contact method (email or phone number)N/AN/A
Authorized Signer- First name - Last name - Contact method (email or phone number) - Physical address3 - Date of birth (18 or older) - Government verified identification4 - OFAC passed & valid - KYC passed & validN/AN/A
Account Holder- First name - Last name - Contact method (email or phone number) - Physical address3 - Date of birth (18 or older) - Government verified identification4 - OFAC passed & valid - KYC passed & valid - Risk score- Business name - Business type - Business industry - Contact method (email or phone number) - Government verified identification4 - Physical address3 - KYC passed & valid - OFAC passed & valid - Risk score - Control person(s)5 and title of control person(s) - Applicable beneficial owner(s)5- Business name - Business type - Business industry - Contact method (email or phone number) - Government verified identification4 - Physical address3 - KYC passed & valid - OFAC passed & valid - Risk score - Sole proprietor(s)6
1. An entity is a US entity if they have a US tax identification number.
2. Full KYC means name, date of birth (applies to individual entity only), physical address, government verified id.
3. Address must not be registered agent address, PO box or in prohibited countries.
4. For a government verified identification, if the entity is a US entity, it must be a tax ID. Otherwise, for a non-US entity, other forms of government verified identification is required.
5. Data requirements for beneficial owners/control persons match those of authorized_signer roles. You are expected to capture and submit accurate beneficial ownership data; however, in instances with no beneficial owners, an empty array is a valid submission.
6. Data requirements for sole proprietors match those of authorized_signer roles.