Onboard your first customer

A Stables Customer represents an end user of your business who can send and receive money across fiat and stablecoin rails.

Customers are at the core of the Stables platform. Every action is tied to the customer, making customer creation the first step before value can move.

There are two types of customers:

• Individual – A natural person transacting in their own capacity
• Business – A legal entity transacting on behalf of an organisation

Key TermsCopy Anchor Link

• KYC/KYB (Know Your Customer/Business): Identity verification process required for compliance
• Entitlements: Represent an approval for a customer to transact on a specific rail.

Create a customer via the Customers APICopy Anchor Link

Create your first customer by sending a request to the Customers API.

A customer can be created with minimal information, such as a name and email address. However, to enable the customer to transact, you must request the appropriate entitlement and provide the required KYC/KYB data.

In the example below, we request the base_payout entitlement and include the necessary verification details, such as date of birth and identity document information. This will submit the customer for review and enable them for payouts once approved.

See the request example below:

curl -X POST "https://api.stables.money/api/v1/customer" \
  -H "Authorization: Bearer YOUR_JWT_OR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \ # or any UUID v4
  -d '{
    "customer_type": "individual",
    "external_customer_id": "your",
    "email": "[email protected]",
    "phone": "+14155552671",
    "entitlements": ["base_payout", "virtual_account"],
    "metadata": {
      "source": "api",
      "ref": "order-123"
    },
    "first_name": "John",
    "last_name": "Doe",
    "middle_name": "Michael",
    "dob": "1990-01-15",
    "nationality": "US",
    "address": {
      "line1": "123 Main Street",
      "line2": "Apt 4B",
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94105",
      "country": "US"
    },
    "id_documents": [
      {
        "document_type": "PASSPORT",
        "front_image_data": "BASE64_ENCODED_FRONT_IMAGE_DATA",
        "back_image_data": "BASE64_ENCODED_BACK_IMAGE_DATA",
        "country": "US"
      }
    ],
    "selfie_photo": {
      "data": "BASE64_ENCODED_SELFIE_IMAGE_DATA"
    }
  }'

Next StepsCopy Anchor Link

After creating your first customer:

1. Test the complete flow in your development environment
2. Handle edge cases like rejections and additional requirements
3. Set up webhooks to receive real-time status updates for customers
4. Review security practices to protect customer data