Overview
The Customers API enables you to register your end users with Stables and submit them for verification.
Stables manages the full KYC (Know Your Customer) and KYB (Know Your Business) verification process on your behalf, reviewing the required information to ensure your users meet compliance requirements before transacting.
Key Concepts
Customers: Represents the end user of your platform, which could be either an individual or business
KYC/KYB: Mandatory verification process of individuals (KYC) and businesses (KYB) to ensure global regulatory compliance standards are met.
Entitlements: Used to verify if a customer is eligible to transact on specific rails or services
Customer Registration
To register a user, use the Customers API or the Customer Verification Links. On registration:
Customers must provide some basic information such as:
- Full name
- Email address
- Date of Birth
This is sufficient to register a customer within the Stables platform. However in order to transact further verification details may be required such as:
- Id Documents
- Nationality
To learn more about the requirements please refer to our Compliance documentation
Checking Customer Eligibility (Entitlements)
Use Entitlements to verify whether a specific customer is eligible to interact with a particular service, rail, or transaction type.This step ensures the customer has passed all necessary checks before you attempt any transactions via Stables
High Level Customer Flow
Customer onboarding in Stables combines customer creation, verification, and entitlement requests into a single flow.
- The integrator creates a new customer, submitting customer data and any requested entitlements to the
POST /api/v1/customerendpoint. - Stables creates the customer and sends a
customer.createdwebhook. - If entitlements are requested, Stables validates that all required data has been provided.
- If verification is required, Stables submits the customer for KYC or KYB review.
- When verification is approved, Stables sends a
kyc_link.updated.status_transitionedwebhook. - Once approved, Stables grants the requested entitlements based on the approved KYC or KYB level.
Once an entitlement is granted then the customer is able to transact on that rail.