{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "#/components/schemas/account-holder-response",
"title": "Account Holder",
"type": "object",
"properties": {
"token": {
"description": "Globally unique identifier for the account holder.",
"type": "string",
"format": "uuid"
},
"account_token": {
"description": "Globally unique identifier for the account.",
"type": "string",
"format": "uuid"
},
"business_account_token": {
"description": "Only applicable for customers using the KYC-Exempt workflow to enroll authorized users of businesses. Pass the account_token of the enrolled business associated with the AUTHORIZED_USER in this field.",
"type": [
"string",
"null"
],
"format": "uuid"
},
"created": {
"description": "Timestamp of when the account holder was created.",
"type": "string",
"format": "date-time"
},
"exemption_type": {
"description": "The type of KYC exemption for a KYC-Exempt Account Holder. `null` if the account holder is not KYC-Exempt.",
"type": [
"string",
"null"
],
"enum": [
"AUTHORIZED_USER",
"PREPAID_CARD_USER"
]
},
"external_id": {
"description": "Customer-provided token that indicates a relationship with an object outside of the Lithic ecosystem.",
"type": "string"
},
"user_type": {
"description": "The type of Account Holder. If the type is \"INDIVIDUAL\", the \"individual\" attribute will be present.\n\nIf the type is \"BUSINESS\" then the \"business_entity\", \"control_person\", \"beneficial_owner_individuals\",\n\"naics_code\", \"nature_of_business\", and \"website_url\" attributes will be present.",
"type": "string",
"enum": [
"BUSINESS",
"INDIVIDUAL"
]
},
"verification_application": {
"$ref": "#/components/schemas/verification-application",
"description": "Information about the most recent identity verification attempt"
},
"individual": {
"$ref": "#/components/schemas/individual",
"description": "Only present when user_type == \"INDIVIDUAL\". Information about the individual for which the account is being opened and KYC is being run."
},
"business_entity": {
"$ref": "#/components/schemas/kyb-business-entity",
"description": "Only present when user_type == \"BUSINESS\". Information about the business for which the account is being opened and KYB is being run."
},
"beneficial_owner_individuals": {
"description": "Only present when user_type == \"BUSINESS\". You must submit a list of all direct and indirect individuals with 25% or more ownership in the company. A maximum of 4 beneficial owners can be submitted. If no individual owns 25% of the company you do not need to send beneficial owner information. See [FinCEN requirements](https://www.fincen.gov/sites/default/files/shared/CDD_Rev6.7_Sept_2017_Certificate.pdf) (Section I) for more background on individuals that should be included.",
"type": "array",
"items": {
"$ref": "#/components/schemas/individual"
},
"minItems": 0
},
"control_person": {
"$ref": "#/components/schemas/individual",
"description": "Only present when user_type == \"BUSINESS\".\n\nAn individual with significant responsibility for managing the legal entity (e.g., a Chief Executive Officer, Chief Financial Officer, Chief Operating Officer,\n\nManaging Member, General Partner, President, Vice President, or Treasurer). This can be an executive, or someone who will have program-wide access\n\nto the cards that Lithic will provide. In some cases, this individual could also be a beneficial owner listed above."
},
"naics_code": {
"description": "Only present when user_type == \"BUSINESS\". 6-digit North American Industry Classification System (NAICS) code for the business.",
"type": "string"
},
"nature_of_business": {
"description": "Only present when user_type == \"BUSINESS\". User-submitted description of the business.",
"type": "string"
},
"website_url": {
"description": "Only present when user_type == \"BUSINESS\". Business's primary website.",
"type": "string"
},
"email": {
"description": "(Deprecated. Use control_person.email when user_type == \"BUSINESS\".\nUse individual.phone_number when user_type == \"INDIVIDUAL\".)\nPrimary email of Account Holder.\n",
"type": "string"
},
"phone_number": {
"description": "(Deprecated. Use control_person.phone_number when user_type == \"BUSINESS\".\nUse individual.phone_number when user_type == \"INDIVIDUAL\".)\nPrimary phone of Account Holder, entered in E.164 format.\n",
"type": "string"
},
"status": {
"description": "(Deprecated. Use verification_application.status instead)\nKYC and KYB evaluation states.\n\nNote: `PENDING_RESUBMIT` and `PENDING_DOCUMENT` are only applicable for the `ADVANCED` workflow.\n\n",
"$ref": "#/components/schemas/status"
},
"status_reasons": {
"description": "(Deprecated. Use verification_application.status_reasons)\nReason for the evaluation status.",
"type": "array",
"items": {
"$ref": "#/components/schemas/status-reasons"
}
},
"required_documents": {
"description": "Only present for \"KYB_BASIC\" and \"KYC_ADVANCED\" workflows. A list of documents required for the account holder to be approved.",
"type": "array",
"items": {
"$ref": "#/components/schemas/required-document"
}
}
}
}