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

# Onboard Your Customers

> Create, verify, and activate accounts for your customers through the API

Every customer on your platform is a full Rolla account, created and verified through the [Account Onboarding API](/api-reference/endpoint/accounts/overview). This guide walks the journey at a high level; the reference pages carry every field.

An application moves through five statuses:

```
draft ──▶ submitted ──▶ approved
              │
              ├──▶ changes_requested ──▶ (edit & resubmit)
              └──▶ rejected
```

You'll hear about every move via [webhooks](/api-reference/webhooks/events#account-events): `account.submitted`, `account.approved`, `account.changes_requested`, `account.rejected`.

## Business customers

<Steps>
  <Step title="Create the account">
    [Create Account](/api-reference/endpoint/accounts/create) with `type: "business"`, the business name, and a unique email (`email` is required). The response carries the new account's `id` under `data.account`, plus a draft application.
  </Step>

  <Step title="Fill in business details">
    [Update Business Details](/api-reference/endpoint/accounts/update-business) with `business_info`, `business_address`, `contact_info`, and optionally `banking_info`. Sections merge, so you can save progress across calls.
  </Step>

  <Step title="Upload documents">
    [Upload Document](/api-reference/endpoint/accounts/upload-document) for each requirement — incorporation certificate, articles, proof of address, director and shareholder registers, bank statement.
  </Step>

  <Step title="Verify related persons">
    [Add each beneficial owner and director](/api-reference/endpoint/accounts/add-related-person), then get each verified — see [KYC options](#kyc-options) below.
  </Step>

  <Step title="Submit">
    Poll [Get Requirements](/api-reference/endpoint/accounts/requirements) until `readyToSubmit: true`, then [Submit](/api-reference/endpoint/accounts/submit).
  </Step>
</Steps>

## Individual customers

Same shape, shorter path: [create](/api-reference/endpoint/accounts/create) with `type: "individual"`, fill in [personal details](/api-reference/endpoint/accounts/update-individual), upload proof of address, complete [identity verification](#kyc-options), and [submit](/api-reference/endpoint/accounts/submit) once requirements are clear.

## KYC options

You choose how identity verification happens, per account and per related person:

| Option                     | How it works                                                                                                                                                                                                                                     | Use when                                                                           |
| -------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------- |
| **Hosted KYC link**        | [Generate a link](/api-reference/endpoint/accounts/individual-kyc-link) ([per related person](/api-reference/endpoint/accounts/kyc-link) for businesses) and send it to the person — they complete ID upload and liveness on a Rolla-hosted page | You don't run your own KYC                                                         |
| **Verification SDK token** | [Create a verification token](/api-reference/endpoint/accounts/verification) and embed the verification flow in your own app; [poll the status](/api-reference/endpoint/accounts/verification-status)                                            | You want the flow inside your product                                              |
| **KYC reliance**           | [Submit the passport and liveness capture you already collected](/api-reference/endpoint/accounts/kyc-reliance) ([per related person](/api-reference/endpoint/accounts/related-person-kyc-reliance))                                             | You're a licensed entity running your own KYC — so customers aren't verified twice |

<Note>
  KYC reliance is gated per partner — ask Rolla to enable it for your tenancy.
</Note>

The `account.verification.completed` webhook fires as each person passes, with `ready_to_submit` telling you whether the application is now complete.

## After approval

Approval provisions the account's wallets (and fires `account.approved`). From there:

1. **Issue deposit accounts** — [NGN instantly, USD after provider review](/api-reference/endpoint/accounts/issue-bank-account); share details from [Funding Instructions](/api-reference/endpoint/accounts/funding-instructions).
2. **Operate the account** — every wallet, payout, and transaction endpoint, scoped with `X-Account-Id`. See [Operate customer accounts](/platform/operate-accounts).

If review comes back `changes_requested` instead, the webhook and [Get Account](/api-reference/endpoint/accounts/get) carry the reason — fix and resubmit.

## Testing the journey

In sandbox, [Approve Account](/api-reference/endpoint/accounts/approve-account) lets you self-approve a submitted application and run the whole flow — onboarding to payout — without waiting on compliance review. It is sandbox-only, so call it against the staging host; in production it returns `404`. The [Platform Quickstart](/platform/quickstart) does exactly that.