> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lumx.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Customers

> Understand customer entities and verification workflows

A customer is the legal owner of wallets, balances, and transaction history. Customers can be one of the following:

* Your own business entity, when moving funds for your own operations.
* The end users (individuals or businesses) onboarded through your platform. Each customer carries its own compliance status, wallets, and transaction history.

## Verification

Before a customer can transact, they complete identity verification (KYC). The flow has five statuses:

| **Status**           | **Description**                                                                                  |
| :------------------- | :----------------------------------------------------------------------------------------------- |
| `NOT_STARTED`        | Customer created, verification pending.                                                          |
| `UNDER_VERIFICATION` | Documents submitted, under review.                                                               |
| `APPROVED`           | Verification complete, customer can transact.                                                    |
| `RFI`                | Submitted information is invalid or inconsistent. The customer can resubmit corrected documents. |
| `FINAL_REJECTION`    | Customer permanently rejected.                                                                   |

<Info>
  If a customer moves to `RFI`, you'll be notified of the specific documents needed. Resubmit them to continue verification.
</Info>

For supported documents and compliance requirements by jurisdiction, see [Identity Verification](/compliance/identity-verification).

## Stablecoin wallet

Creating a customer provisions a wallet on every supported blockchain. Wallets are enabled for use once the customer reaches `APPROVED`. Once active, they hold stablecoin balances, send and receive crypto payments, and power instant payouts via [prefunded balances](/concepts/wallets#prefunded-wallets). See [Stablecoin Wallets](/concepts/wallets) for the full schema and lifecycle.

<Info>
  The `wallets` array is only returned on customer responses once verification reaches `APPROVED`.
</Info>

## Virtual accounts

A customer can also hold virtual fiat accounts to send and receive local fiat. Each account is tied to one payment rail and currency, with its own verification status independent from the customer's. See [Accounts](/concepts/accounts) for the full schema and lifecycle.