Applications

Note

To enable testing this Applications API on Sandbox, please contact Unit.

Unit offers a short, low-friction, non-documentary application process - most applications will be approved in under five seconds. In some cases Unit detects an exception in the application process (e.g. a phone number mismatch), and certain documents are required in order to make a decision.

Unit will let you know exactly what documents to require from the customer, and once they are provided (via an API call), the application will either be approved automatically or manually reviewed by us (under an SLA of two business hours).

For more information on applications including specific details about application statuses and flow, see our End-Customer Applications Guide

Create Individual Application

Create an application for an individual end-customer.

Suggestion

The SSN (or passport number, for non US citizens) is used as the unique identifier for an individual on Unit. The same identifier cannot be used to submit multiple applications. If an application for a certain individual has been denied, canceled or archived, they may use their SSN/passport number to reapply. Otherwise, duplicate applications will result in an HTTP error (400).

This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.

Verb	`POST`
URL	`https://api.s.unit.sh/applications`
Required Scope	`applications-write`
Data Type	`individualApplication`
Timeout (Seconds)	`120`

Attributes

Name	Type	Description
ssn	string	SSN (or ITIN) of the individual (numbers only). Either an `ssn` or `passport` is required.
passport	string	Passport number of the individual. Valid only for non-US persons. Either an `ssn` or `passport` number is required.
nationality	ISO31661-Alpha2 string	Required if a `passport` is used as the main ID and optional when `ssn` is used. Two letters representing the individual's nationality. (e.g. "US").
fullName Required	FullName	Full name of the individual.
dateOfBirth Required	RFC3339 Date string	Date only (e.g. `"2001-08-15"`).
address Required	Address	Address of the individual. Must be a US address.
phone Required	Phone	Phone number of the individual.
email Required	string	Email address of the individual.
evaluationParams Optional	EvaluationParams	Evaluation Params for this entity.
ip Optional	string	IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application.
tags Optional	object	See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance).
idempotencyKey Optional	string	See Idempotency.
deviceFingerprints Optional	Array of Device Fingerprint	A list of device fingerprints for fraud and risk prevention (See Device Fingerprints).
jwtSubject Optional	string	See this section for more information.
banks Optional	Array of Bank names	The name of the bank or banks that should be associated with this application. If not specified, the application will be associated with the Org's default bank (visible via Org Settings in the Dashboard).
accountPurpose Required	accountPurpose	The primary purpose of the account.
accountPurposeDetail	string	Required if `accountPurpose` is one of `Cryptocurrency`,`CashHeavyPersonalIncome`,`InternationalRemittances`
sourceOfFunds Required	sourceOfFunds	The primary source of funds of the business. One of `SalaryOrWages`,`BusinessIncome`,`InvestmentIncome`,`RetirementSavings`,`Inheritance`,`Gift`,`SaleOfAssets`,`LegalSettlement`,`LoanProceeds`
transactionVolume Required	transactionVolume	The expected monthly transaction volume of the business. One of `Between1KAnd5K`,`Between5KAnd15K`,`Between15KAnd30K`,`Between30KAnd60K`,`GreaterThan60K`
transactionVolumeDescription	string	Required when `transactionVolume` is $30,001 or higher. Further detail around transaction volume selection.
profession Required	profession	The occupation of the individual.

Example Request:

curl -X POST 'https://api.s.unit.sh/applications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualApplication",
    "attributes": {
      "ssn": "721074426",
      "fullName": {
        "first": "Peter",
        "last": "Parker"
      },
      "dateOfBirth": "2001-08-10",
      "address": {
        "street": "20 Ingram St",
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "email": "peter@oscorp.com",
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "ip": "127.0.0.2",
      "profession": "Farmer",
      "transactionVolume": "Between1KAnd5K",
      "sourceOfFunds": "SalaryOrWages",
      "accountPurpose": "PayrollOrDirectDeposit",
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data Required	IndividualApplication	The newly created resource.
included	Array of ApplicationDocument Resource	Required documents for this application. Each document resource includes the document status.

Example Response:
{
  "data": {
    "type": "individualApplication",
    "id": "53",
    "attributes": {
      "createdAt": "2020-01-14T14:05:04.718Z",
      "fullName": {
        "first": "Peter",
        "last": "Parker"
      },
      "ssn": "721074426",
      "address": {
        "street": "20 Ingram St",
        "street2": null,
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "dateOfBirth": "2001-08-10",
      "email": "peter@oscorp.com",
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "status": "AwaitingDocuments",
      "ip": "127.0.0.2",
      "profession": "Farmer",
      "transactionVolume": "Between1KAnd5K",
      "sourceOfFunds": "SalaryOrWages",
      "accountPurpose": "PayrollOrDirectDeposit",
      "soleProprietorship": false,
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "archived": false
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "documents": {
        "data": [
          {
            "type": "document",
            "id": "1"
          },
          {
            "type": "document",
            "id": "2"
          }
        ]
      }
    }
  },
  "included": [
    {
      "type": "document",
      "id": "1",
      "attributes": {
        "documentType": "AddressVerification",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
        "address": {
          "street": "20 Ingram St",
          "street2": null,
          "city": "Forest Hills",
          "state": "NY",
          "postalCode": "11375",
          "country": "US"
        }
      }
    },
    {
      "type": "document",
      "id": "2",
      "attributes": {
        "documentType": "IdDocument",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.",
        "dateOfBirth": "2001-08-10"
      }
    }
  ]
}

Create Sole Proprietor Application

Create an application for a sole proprietor.

Suggestion

A sole proprietorship is a type of enterprise owned and run by one person, and in which there is no legal distinction between the owner and the business entity. As such, it is evaluated as an individual, with the soleProprietorship attribute set to true

Suggestion

This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.

Verb	`POST`
URL	`https://api.s.unit.sh/applications`
Required Scope	`applications-write`
Data Type	`individualApplication`
Timeout (Seconds)	`120`

Attributes

Name	Type	Description
ssn	string	SSN (or ITIN) of the individual (numbers only). Either an `ssn` or `passport` is required.
passport	string	Passport number of the individual. Valid only for non-US persons. Either an `ssn` or `passport` number is required.
nationality	ISO31661-Alpha2 string	Required if a `passport` is used as the main ID and optional when `ssn` is used. Two letters representing the individual's nationality. (e.g. "US").
fullName Required	FullName	Full name of the individual.
dateOfBirth Required	RFC3339 Date string	Date only (e.g. `"2001-08-15"`).
address Required	Address	Address of the individual. Must be a US address.
phone Required	Phone	Phone number of the individual.
email Required	string	Email address of the individual.
soleProprietorship Required	boolean	Set this to `true` in order to indicate that the individual is a sole proprietor.
ein Optional	string	If the individual is a sole proprietor who has an Employer Identification Number, specify it here. Not all sole proprietors have an EIN, so this attribute is optional, even when `soleProprietorship` is set to `true`.
dba Optional	string	If the individual is a sole proprietor who is doing business under a different name, specify it here. This attribute is optional, even when `soleProprietorship` is set to `true`.
evaluationParams Optional	EvaluationParams	Evaluation Params for this entity.
website Required	string	A Valid website URL. Providing a `null` value is indicative of the business customer attesting that they do not have a website.
ip Optional	string	IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application.
tags Optional	object	See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance).
idempotencyKey Optional	string	See Idempotency.
deviceFingerprints Optional	Array of Device Fingerprint	A list of device fingerprints for fraud and risk prevention (See Device Fingerprints).
jwtSubject Optional	string	See this section for more information.
banks Optional	Array of Bank names	The name of the bank or banks that should be associated with this application. If not specified, the application will be associated with the Org's default bank (visible via Org Settings in the Dashboard).
sourceOfFunds Required	sourceOfFunds	The primary source of funds of the business.
sourceOfFundsDescription	string	Required if `sourceOfFunds` is one of `governmentContractsOrGrants`,`donationsOrFundraising`,`importExportRevenue`
businessIndustry Required	businessIndustry	The industry of the sole propriotor
businessDescription Required	string	A brief description of the business, including its main products or services and the customers.
isIncorporated Required	boolean	Is the business incorporated
stateOfIncorporation	string	Required if `isIncorporated` is `true`. Two letters representing a US state.
yearOfIncorporation	Year string	Required if `isIncorporated` is `true`. Year of incorporation of the business.
countriesOfOperation Required	Array of ISO31661-Alpha2 strings
usNexus Required	array of usNexus	A list of the nature of the business's ties to the U.S.
transactionVolume Required	transactionVolume	The expected monthly transaction volume of the business.
transactionVolumeDescription	string	Required when `transactionVolume` is $150,001 or higher. Further detail around transaction volume selection.
accountPurpose Required	accountPurpose	The primary purpose of the account.
accountPurposeDetail	string	Required if `accountPurpose` is one of `CashHeavyIncomeAndOperations`,`ProfessionalServicesHandlingFunds`,`CharitableOrNonProfitOrganizationOperations`,`CommercialCashOperations`,`ThirdPartyPaymentProcessing`.

Example Request:

curl -X POST 'https://api.s.unit.sh/applications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualApplication",
    "attributes": {
      "ssn": "721074426",
      "fullName": {
        "first": "Peter",
        "last": "Parker"
      },
      "dateOfBirth": "2001-08-10",
      "address": {
        "street": "20 Ingram St",
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "email": "peter@oscorp.com",
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "ip": "127.0.0.2",
      "soleProprietorship": true,
      "ein": "123456789",
      "dba": "Piedpiper Inc",
      "website": "https://www.piedpiper.com",
      "accountPurpose": "EcommerceSales",
      "transactionVolume": "LessThan5K",
      "usNexus": [
        "NotAvailable"
      ],
      "countriesOfOperation": [
        "US",
        "CA"
      ],
      "isIncorporated": false,
      "businessIndustry": "GroceryStoresOrSupermarkets",
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data Required	IndividualApplication	The newly created resource.
included	Array of ApplicationDocument Resource	Required documents for this application. Each document resource includes the document status.

Example Response:
{
  "data": {
    "type": "individualApplication",
    "id": "53",
    "attributes": {
      "createdAt": "2020-01-14T14:05:04.718Z",
      "fullName": {
        "first": "Peter",
        "last": "Parker"
      },
      "ssn": "721074426",
      "address": {
        "street": "20 Ingram St",
        "street2": null,
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "dateOfBirth": "2001-08-10",
      "email": "peter@oscorp.com",
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "status": "AwaitingDocuments",
      "ip": "127.0.0.2",
      "soleProprietorship": true,
      "ein": "123456789",
      "dba": "Piedpiper Inc",
      "website": "https://www.piedpiper.com",
      "accountPurpose": "EcommerceSales",
      "transactionVolume": "LessThan5K",
      "usNexus": [
        "NotAvailable"
      ],
      "countriesOfOperation": [
        "US",
        "CA"
      ],
      "isIncorporated": false,
      "businessIndustry": "GroceryStoresOrSupermarkets",
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "archived": false
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "documents": {
        "data": [
          {
            "type": "document",
            "id": "1"
          },
          {
            "type": "document",
            "id": "2"
          }
        ]
      }
    }
  },
  "included": [
    {
      "type": "document",
      "id": "1",
      "attributes": {
        "documentType": "AddressVerification",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
        "address": {
          "street": "20 Ingram St",
          "street2": null,
          "city": "Forest Hills",
          "state": "NY",
          "postalCode": "11375",
          "country": "US"
        }
      }
    },
    {
      "type": "document",
      "id": "2",
      "attributes": {
        "documentType": "IdDocument",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.",
        "dateOfBirth": "2001-08-10"
      }
    }
  ]
}

Create Business Application

Create an application for a business end-customer.

Suggestion

Companies that are publicly traded in a major US stock exchange are subject to lighter onboarding requirements. If your customer base includes publicly traded companies, please reach out to Unit for additional information.

Verb	`POST`
URL	`https://api.s.unit.sh/applications`
Required Scope	`applications-write`
Data Type	`businessApplication`
Timeout (Seconds)	`120`

Attributes

Name	Type	Description
name Required	string	Name of the business.
dba Optional	string	"Doing business as".
address Required	Address	Address of the business. Must be a US address
operatingAddress	Address	Optional. The physical location of the business. Required if `address` is associated with a registered agent (see Detecting Operating Address Required), or if a beneficial owner or officer is non-US.
phone Required	Phone	Phone number of the business.
stateOfIncorporation Required	string	Two letters representing a US state.
ein Required	string	Business EIN (numbers only).
website Required	string	A Valid website URL. Providing a `null` value is indicative of the business customer attesting that they do not have a website.
contact Required	BusinessContact	Primary contact of the business. This person is the one that will have access to the account.
officer Required	Officer	Officer representing the business (must be the `CEO`, `COO`, `CFO`, `President`, `BenefitsAdministrationOfficer`, `CIO`, `VP`, `AVP`, `Treasurer`, `Secretary`, `Controller`, `Manager`, `Partner` or `Member`). To successfully onboard a business, provide the officer's personal details.
beneficialOwners Required	Array of BeneficialOwner	Array of beneficial owners in the business. A beneficial owner is anyone who owns at least 25% of the business. To successfully onboard a business, provide each beneficial owner's personal details. If the business has no beneficial owners, the array should be empty.
attestedNoBeneficialOwners Required	boolean	`true` if no beneficial owners are provided; otherwise - `false` .
ip Optional	string	IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application.
tags Optional	object	See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance).
idempotencyKey Optional	string	See Idempotency.
deviceFingerprints Optional	Array of Device Fingerprint	A list of device fingerprints for fraud and risk prevention (See Device Fingerprints).
banks Optional	Array of Bank names	The name of the bank or banks that should be associated with this application. If not specified, the application will be associated with the Org's default bank (visible via Org Settings in the Dashboard).
sourceOfFunds Required	sourceOfFunds	The primary source of funds of the business.
sourceOfFundsDescription	string	Required if `sourceOfFunds` is one of `governmentContractsOrGrants`,`donationsOrFundraising`,`importExportRevenue`.
businessIndustry Required	businessIndustry	The industry of the business
businessDescription Required	string	A brief description of the business, including its main products or services and the customers.
isRegulated Required	boolean	Is the business regulated by a government agency or financial regulator?
regulatorName	string	Required if `isRegulated` is `true`. The name of the regulator if the business is regulated.
usNexus Required	array of usNexus	The nature of the business's ties to the U.S. Either `NotAvailable` or one or more of the other options.
accountPurpose Required	accountPurpose	The primary purpose of the account.
accountPurposeDetail	string	Required if `accountPurpose` is one of `CashHeavyIncomeAndOperations`,`ProfessionalServicesHandlingFunds`,`CharitableOrNonProfitOrganizationOperations`,`CommercialCashOperations`,`ThirdPartyPaymentProcessing`.
transactionVolume Required	transactionVolume	The expected monthly transaction volume of the business.
transactionVolumeDescription	string	Required when `transactionVolume` is $1,000,001 or higher. Further detail around transaction volume selection.
stockExchangeName	string	Required if `entityType` is `PubliclyTradedCorporation`. The name of the stock exchange where the business's stock is traded.
stockSymbol	string	Required if `entityType` is `PubliclyTradedCorporation` . The stock symbol (ticker) of the business.
countriesOfOperation Required	Array of ISO31661-Alpha2 strings
yearOfIncorporation Required	Year string	Year of incorporation of the business.
entityType Required	string	One of `LLC`, `Partnership`, `PubliclyTradedCorporation`, `PrivatelyHeldCorporation` or `NotForProfitOrganization`, `Estate`, `Trust`,`ForeignFinancialInstitution`, `DomesticFinancialInstitution`, `GovernmentEntityOrAgency`, `ReligiousOrganization`, `Charity`.

Example Request:

curl -X POST 'https://api.s.unit.sh/applications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "businessApplication",
    "attributes": {
      "name": "Pied Piper",
      "address": {
        "street": "5230 Newell Rd",
        "city": "Palo Alto",
        "state": "CA",
        "postalCode": "94303",
        "country": "US"
      },
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "stateOfIncorporation": "DE",
      "businessIndustry": "TechnologyMediaOrTelecom",
      "website": "www.piedpiper.com",
      "accountPurpose": "RetailSalesInPerson",
      "sourceOfFunds": "salesOfGoods",
      "transactionVolume": "Between1KAnd5K",
      "usNexus": [
        "NotAvailable"
      ],
      "countriesOfOperation": [
        "US",
        "CA"
      ],
      "yearOfIncorporation": "2014",
      "entityType": "Corporation",
      "isRegulated": false,
      "businessDescription": "We are a technology company that sells technology products to our customers.",
      "ein": "123456789",
      "ip": "127.0.0.2",
      "contact": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        }
      },
      "officer": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "dateOfBirth": "2001-08-10",
        "title": "CEO",
        "ssn": "721074426",
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        },
        "address": {
          "street": "5230 Newell Rd",
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        }
      },
      "beneficialOwners": [
        {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "dateOfBirth": "2001-08-10",
          "ssn": "123456789",
          "email": "richard@piedpiper.com",
          "percentage": 75,
          "phone": {
            "countryCode": "1",
            "number": "5555555555"
          },
          "address": {
            "street": "5230 Newell Rd",
            "city": "Palo Alto",
            "state": "CA",
            "postalCode": "94303",
            "country": "US"
          }
        }
      ],
      "tags": {
        "userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data Required	BusinessApplication	The newly created resource.
relationships Required	JSON:API Relationships	Describes relationships between the application resource and other resources (beneficial owners).
included	Array of ApplicationDocument Resource or BeneficialOwner Resource	Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners.

Example Response:
{
  "data": {
    "type": "businessApplication",
    "id": "50",
    "attributes": {
      "createdAt": "2020-01-13T16:01:19.346Z",
      "name": "Pied Piper",
      "dba": null,
      "address": {
        "street": "5230 Newell Rd",
        "street2": null,
        "city": "Palo Alto",
        "state": "CA",
        "postalCode": "94303",
        "country": "US"
      },
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "isIncorporated": true,
      "stateOfIncorporation": "DE",
      "yearOfIncorporation": "2014",
      "businessIndustry": "TechnologyMediaOrTelecom",
      "accountPurpose": "RetailSalesInPerson",
      "sourceOfFunds": "SalesOfGoods",
      "transactionVolume": "Between1KAnd5K",
      "usNexus": [
        "NotAvailable"
      ],
      "countriesOfOperation": [
        "US",
        "CA"
      ],
      "entityType": "Corporation",
      "isRegulated": false,
      "website": "www.piedpiper.com",
      "businessDescription": "We are a technology company that sells technology products to our customers.",
      "contact": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        }
      },
      "officer": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "ssn": "123456789",
        "address": {
          "street": "5230 Newell Rd",
          "street2": null,
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        },
        "dateOfBirth": "2001-08-10",
        "title": "CEO",
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        },
        "status": "Approved"
      },
      "beneficialOwners": [
        {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "ssn": "123456789",
          "address": {
            "street": "5230 Newell Rd",
            "street2": null,
            "city": "Palo Alto",
            "state": "CA",
            "postalCode": "94303",
            "country": "US"
          },
          "dateOfBirth": "2001-08-10",
          "phone": {
            "countryCode": "1",
            "number": "5555555555"
          },
          "email": "richard@piedpiper.com",
          "percentage": 75,
          "status": "Approved"
        }
      ],
      "attestedNoBeneficialOwners": false,
      "tags": {
        "userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
      },
      "archived": false,
      "status": "AwaitingDocuments"
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "documents": {
        "data": [
          {
            "type": "document",
            "id": "1"
          },
          {
            "type": "document",
            "id": "2"
          },
          {
            "type": "document",
            "id": "3"
          }
        ]
      }
    }
  },
  "included": [
    {
      "type": "document",
      "id": "1",
      "attributes": {
        "documentType": "CertificateOfIncorporation",
        "status": "Required",
        "name": "Pied Piper",
        "description": "For Corporation: Please provide a certified copy of the Articles of Incorporation or Certificate of Incorporation..."
      }
    },
    {
      "type": "document",
      "id": "2",
      "attributes": {
        "documentType": "AddressVerification",
        "status": "Required",
        "name": "Richard Hendricks",
        "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
        "address": {
          "street": "5230 Newell Rd",
          "street2": null,
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        }
      }
    },
    {
      "type": "document",
      "id": "3",
      "attributes": {
        "documentType": "IdDocument",
        "status": "Required",
        "name": "Richard Hendricks",
        "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID."
      }
    }
  ]
}

Detecting Operating Address Required

When submitting a business application, the operatingAddress field may be required depending on the business address and the nationality of the officer and beneficial owners.

Registered agent address

A registered agent address is a third-party address used as a business's official address for legal correspondence, rather than the business's actual physical location. Before submitting a business application, call the Check Registered Agent Address endpoint with the business address to determine whether it is a registered agent address.

If the response indicates the address is a registered agent address, you must include operatingAddress in the Create Business Application request to provide the actual physical location of the business.

Non-US officer or beneficial owner

If the officer or any of the beneficial owners are non-US persons, operatingAddress is also required regardless of the business address.

Suggestion

Both conditions are validated at application creation time — if operatingAddress is required but not provided, the API returns a 400 Bad Request error.

Check Registered Agent Address

Checks if an address is a registered agent address.

Verb	`POST`
URL	`https://api.s.unit.sh/applications/check-registered-agent-address`
Data Type	`checkRegisteredAgentAddress`
Timeout (Seconds)	`120`

Attributes

Name	Type	Description
address Required	Address	The address to check. Must be a US address

Example Request:

curl -X POST 'https://api.s.unit.sh/applications/check-registered-agent-address'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "checkRegisteredAgentAddress",
    "attributes": {
      "address": {
        "street": "13 Jewel Avenue",
        "city": "New York",
        "state": "NY",
        "postalCode": "12345",
        "country": "US"
      }
    }
  }
}'

Response

Response is a JSON:API document.

200 OK

Name	Type	Description
data Required	Check Registered Agent Address	Checks whether an address is a Registered Agent address.

Example Response:
{
  "data": {
    "type": "checkRegisteredAgentAddress",
    "attributes": {
      "isRegisteredAgentAddress": false
    }
  }
}

Update Business

Update a business application.

Note

Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.

Verb	`PATCH`
URL	`https://api.s.unit.sh/applications/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags Required	object	See Updating Tags.
operatingAddress Optional	Address	The physical location of the business.
sourceOfFunds Optional	sourceOfFunds	The primary source of funds of the business.
sourceOfFundsDescription	string	Optional. Required if `sourceOfFunds` is one of `governmentContractsOrGrants`,`donationsOrFundraising`,`importExportRevenue`.
businessIndustry Optional	businessIndustry	The industry of the business.
businessDescription Optional	string	A brief description of the business, including its main products or services and the customers.
isRegulated Optional	boolean	Is the business regulated by a government agency or financial regulator?
regulatorName	string	Optional. Required if `isRegulated` is `true`. The name of the regulator if the business is regulated.
usNexus Optional	array of usNexus	The nature of the business's ties to the U.S. Either `NotAvailable` or one or more of the other options.
accountPurpose Optional	accountPurpose	The primary purpose of the account.
accountPurposeDetail	string	Optional. Required if `accountPurpose` is one of `CashHeavyIncomeAndOperations`,`ProfessionalServicesHandlingFunds`,`CharitableOrNonProfitOrganizationOperations`,`CommercialCashOperations`,`ThirdPartyPaymentProcessing`.
transactionVolume Optional	transactionVolume	The expected monthly transaction volume of the business.
transactionVolumeDescription	string	Optional. Required when `transactionVolume` is $1,000,001 or higher. Further detail around transaction volume selection.
countriesOfOperation Optional	Array of ISO31661-Alpha2 strings	The countries in which business is conducted.
yearOfIncorporation Optional	Year string	Year of incorporation of the business.
website Optional	string	A Valid website URL. Providing a `null` value is indicative of the business customer attesting that they do not have a website.
stockExchangeName	string	Optional. Required if `entityType` is `PubliclyTradedCorporation`. The name of the stock exchange where the business's stock is traded.
stockSymbol	string	Optional. Required if `entityType` is `PubliclyTradedCorporation`. The stock symbol (ticker) of the business.

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data Required	BusinessApplication	The updated BusinessApplication resource.
relationships Required	JSON:API Relationships	Describes relationships between the application resource and other resources (beneficial owners).
included	Array of ApplicationDocument Resource or BeneficialOwner Resource	Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners.

Update business application:

curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "businessApplication",
    "attributes": {
      "tags": {
        "by": "Richard Hendricks",
        "id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
      },
      "usNexus": [
        "NotAvailable"
      ]
    }
  }
}'

Update Individual

Update an individual application.

Note

Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.

Verb	`PATCH`
URL	`https://api.s.unit.sh/applications/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags Required	object	See Updating Tags.
accountPurpose Optional	accountPurpose	The primary purpose of the account.
accountPurposeDetail	string	Optional. Required if `accountPurpose` is one of `Cryptocurrency`,`CashHeavyPersonalIncome`,`InternationalRemittances`
sourceOfFunds Optional	sourceOfFunds	The primary source of funds. One of `SalaryOrWages`,`BusinessIncome`,`InvestmentIncome`,`RetirementSavings`,`Inheritance`,`Gift`,`SaleOfAssets`,`LegalSettlement`,`LoanProceeds`
transactionVolume Optional	transactionVolume	The expected monthly transaction volume. One of `Between1KAnd5K`,`Between5KAnd15K`,`Between15KAnd30K`,`Between30KAnd60K`,`GreaterThan60K`
transactionVolumeDescription	string	Optional. Required when `transactionVolume` is $30,001 or higher. Further detail around transaction volume selection.
profession Optional	profession	The occupation of the individual.

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data Required	IndividualApplication	The updated IndividualApplication resource.

Update individual application:

curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualApplication",
    "attributes": {
      "tags": {
        "by": "Richard Hendricks",
        "id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
      },
      "profession": "Lawyer"
    }
  }
}'

Update Sole Proprietor

Update a sole-proprietorship application.

Note

Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.

Verb	`PATCH`
URL	`https://api.s.unit.sh/applications/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags Required	object	See Updating Tags.
website Optional	string	A Valid website URL. Providing a `null` value is indicative of the business customer attesting that they do not have a website.
sourceOfFunds Optional	sourceOfFunds	The primary source of funds of the business.
sourceOfFundsDescription	string	Optional. Required if `sourceOfFunds` is one of `governmentContractsOrGrants`,`donationsOrFundraising`,`importExportRevenue`.
businessIndustry Optional	businessIndustry	The industry of the sole proprietor.
businessDescription Optional	string	A brief description of the business, including its main products or services and the customers.
isIncorporated Optional	boolean	Is the business incorporated.
stateOfIncorporation	string	Optional. Required if `isIncorporated` is `true`. Two letters representing a US state.
yearOfIncorporation	Year string	Optional. Required if `isIncorporated` is `true`. Year of incorporation of the business.
countriesOfOperation Optional	Array of ISO31661-Alpha2 strings	The countries in which business is conducted.
usNexus Optional	array of usNexus	The nature of the business's ties to the U.S. Either `NotAvailable` or one or more of the other options.
transactionVolume Optional	transactionVolume	The expected monthly transaction volume of the business.
transactionVolumeDescription	string	Optional. Required when `transactionVolume` is $150,001 or higher. Further detail around transaction volume selection.
accountPurpose Optional	accountPurpose	The primary purpose of the account.
accountPurposeDetail	string	Optional. Required if `accountPurpose` is one of `CashHeavyIncomeAndOperations`,`ProfessionalServicesHandlingFunds`,`CharitableOrNonProfitOrganizationOperations`,`CommercialCashOperations`,`ThirdPartyPaymentProcessing`.

Response

Response is a JSON:API document.

201 Created

Name	Type	Description
data Required	IndividualApplication	The updated IndividualApplication resource.

Update sole-proprietor application:

curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualApplication",
    "attributes": {
      "tags": {
        "by": "Richard Hendricks",
        "id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
      },
      "website": "https://unit.co"
    }
  }
}'

Create Individual Application​

Attributes​

Response​

201 Created​

Create Sole Proprietor Application​

Attributes​

Response​

201 Created​

Create Business Application​

Attributes​

Response​

201 Created​

Detecting Operating Address Required​

Registered agent address​

Non-US officer or beneficial owner​

Check Registered Agent Address​

Attributes​

Response​

200 OK​

Update Business​

Attributes​

Response​

201 Created​

Update Individual​

Attributes​

Response​

201 Created​

Update Sole Proprietor​

Attributes​

Response​

201 Created​

Create Individual Application

Attributes

Response

201 Created

Create Sole Proprietor Application

Attributes

Response

201 Created

Create Business Application

Attributes

Response

201 Created

Detecting Operating Address Required

Registered agent address

Non-US officer or beneficial owner

Check Registered Agent Address

Attributes

Response

200 OK

Update Business

Attributes

Response

201 Created

Update Individual

Attributes

Response

201 Created

Update Sole Proprietor

Attributes

Response

201 Created