This document outlines the required steps to create an Individual or Business customer in the Lumx platform. The following steps apply for a workflow using the API but you can also use the dashboard.
We have a link available provided by our compliance partner, enabling easier interactions and better rate of approval. It’s available to use via API or via dashboard.
Endpoint: POST /customers
Registers a new customer on the platform. Customers can be of type Individual or Business. The response includes an id
, which is required for subsequent operations.
When creating a Business customer, it is mandatory to provide information about any beneficiaries holding more than 20% ownership. These beneficiaries will be automatically linked to the Business customer — there is no need to create an Individual customer separately to associate them.
Endpoint: POST /customers/:id/documents
Allows you to upload the documents required for identity and/or business verification. This API endpoint uses FormData to handle uploads.
The following documents are mandatory:
id_card
(e.g., RG)drivers_license
(e.g., CNH)passport
proof_of_address
(proof of address)If your document is double-sided, you should send first the front side, then the back side.
The following documents are mandatory:
incorporation_articles
(e.g., articles of incorporation, certificate of formation, or state business registration extract)incumbency_cert
shareholder_registry
proof_of_address
(dated within the last 3 months), such as:
Notes:
PDF
, PNG
, or JPEG
Documents must include the customer’s full name and residential address. Both physical (scanned) and digital (PDF) documents are accepted.
Endpoint: POST /customers/:id/verifications
Initiates the KYC/KYB verification process for the customer.
To execute this operation, all required documents for the respective customer type must have been previously uploaded using the Upload Documents API, including beneficiaries if applicable.
Endpoint: GET /customers/:id/verifications
Returns the current verification status of the customer: approved
, temporary_rejection
, final_rejection
, pending
.
This API allows you to monitor the status of the verification process initiated via the Start Customer Verification endpoint. The response includes:
It can take up to a day for a KYB to be processed, for a KYC it should only take a couple minutes.