{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "#/components/schemas/AccountHolder",
"title": "AccountHolder",
"properties": {
"account_token": {
"description": "Globally unique identifier for the account.",
"format": "uuid",
"type": "string"
},
"beneficial_owner_individuals": {
"description": "Only present when user_type == \"BUSINESS\".\nYou 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.\nSee [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.",
"items": {
"$ref": "#/components/schemas/AccountHolderIndividualResponse"
},
"minItems": 0,
"type": "array"
},
"business_account_token": {
"description": "Only applicable for customers using the KYC-Exempt workflow to enroll authorized users of businesses. Pass the account_token of the enrolled business associated with the AUTHORIZED_USER in this field.",
"format": "uuid",
"type": "string"
},
"business_entity": {
"$ref": "#/components/schemas/AccountHolderBusinessResponse",
"description": "Only present when user_type == \"BUSINESS\". Information about the business for which the account is being opened and KYB is being run."
},
"control_person": {
"$ref": "#/components/schemas/AccountHolderIndividualResponse",
"description": "Only present when user_type == \"BUSINESS\".\nAn individual with significant responsibility for managing the legal entity (e.g., a Chief Executive Officer, Chief Financial Officer, Chief Operating Officer,\nManaging Member, General Partner, President, Vice President, or Treasurer). This can be an executive, or someone who will have program-wide access\nto the cards that Lithic will provide. In some cases, this individual could also be a beneficial owner listed above.\n"
},
"created": {
"description": "Timestamp of when the account holder was created.",
"format": "date-time",
"type": "string"
},
"email": {
"description": "(Deprecated. Use control_person.email when user_type == \"BUSINESS\". Use individual.phone_number when user_type == \"INDIVIDUAL\".)\nPrimary email of Account Holder.\n",
"example": "+15555555555",
"type": "string"
},
"exemption_type": {
"description": "The type of KYC exemption for a KYC-Exempt Account Holder.",
"enum": [
"AUTHORIZED_USER",
"PREPAID_CARD_USER"
],
"type": "string"
},
"external_id": {
"description": "Customer-provided token that indicates a relationship with an object outside of the Lithic ecosystem.",
"type": "string"
},
"individual": {
"$ref": "#/components/schemas/AccountHolderIndividualResponse",
"description": "Only present when user_type == \"INDIVIDUAL\". Information about the individual for which the account is being opened and KYC is being run."
},
"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"
},
"phone_number": {
"description": "(Deprecated. Use control_person.phone_number when user_type == \"BUSINESS\". Use individual.phone_number when user_type == \"INDIVIDUAL\".)\nPrimary phone of Account Holder, entered in E.164 format.\n",
"example": "+15555555555",
"type": "string"
},
"status": {
"description": "(Deprecated. Use verification_application.status instead)\n\nKYC and KYB evaluation states.\n\nNote:\n* `PENDING_REVIEW` is only applicable for the `KYB_BASIC` workflow.\n",
"enum": [
"ACCEPTED",
"PENDING_REVIEW",
"PENDING_DOCUMENT",
"PENDING_RESUBMIT",
"REJECTED"
],
"type": "string"
},
"status_reasons": {
"description": "(Deprecated. Use verification_application.status_reasons)\n\nReason for the evaluation status.\n",
"items": {
"enum": [
"ADDRESS_VERIFICATION_FAILURE",
"AGE_THRESHOLD_FAILURE",
"COMPLETE_VERIFICATION_FAILURE",
"DOB_VERIFICATION_FAILURE",
"ID_VERIFICATION_FAILURE",
"MAX_DOCUMENT_ATTEMPTS",
"MAX_RESUBMISSION_ATTEMPTS",
"NAME_VERIFICATION_FAILURE",
"OTHER_VERIFICATION_FAILURE",
"RISK_THRESHOLD_FAILURE",
"WATCHLIST_ALERT_FAILURE"
],
"type": "string"
},
"type": "array"
},
"token": {
"description": "Globally unique identifier for the account holder.",
"format": "uuid",
"type": "string"
},
"user_type": {
"description": "The type of Account Holder. If the type is \"INDIVIDUAL\", the \"individual\" attribute will be present.\nIf the type is \"BUSINESS\" then the \"business_entity\", \"control_person\", \"beneficial_owner_individuals\", \"naics_code\", \"nature_of_business\", and \"website_url\" attributes will be present.",
"enum": [
"BUSINESS",
"INDIVIDUAL"
],
"type": "string"
},
"verification_application": {
"$ref": "#/components/schemas/AccountHolderVerificationApplication",
"description": "Information about the most recent identity verification attempt"
},
"required_documents": {
"description": "Only present for \"KYB_BASIC\" workflow. A list of documents required for the account holder to be approved.",
"type": "array",
"items": {
"$ref": "#/components/schemas/required-document"
}
},
"website_url": {
"description": "Only present when user_type == \"BUSINESS\". Business's primary website.",
"type": "string"
}
},
"required": [
"token",
"created"
],
"type": "object"
}