US Public Companies Required Fields

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NOTE

The below sections do not include all the fields from the API. They are only those that are relevant for this region. See API Reference for the full payload.

For other entity types, see:

PropertyDescriptionNeeded?
regionThe country/region from where the end-customer (corporate customer) is located and thus getting onboarded. For the US based customers to be onboarded, use the value US.Required

businessDetails Object

Object to accept the Business Details.

PropertyDescriptionNeeded?
referenceIdThe unique reference ID for the Business Entity. Clients can pass a unique UUID value that Nium Platform uses as to identify the businessDetails entity. If not provided, Nium Platform will generate one. This unique reference Id can later be used to respond to RFI or to upload required documents for the business entity.Optional
businessNameRegistered Business NameRequired
businessRegistrationNumberBusiness Registration Number. Note: For US, this field accepts the tax identification number of the business.Required
tradeNameTrading Name / Doing Business As / DBA
(In case the entity is doing business with a different name than the registered business name)
Optional
businessTypeLegal entity type of the business. See Enum Values for valid set of values.Required
descriptionThis field accepts the brief overview of the business.Required
stockSymbolStock/Ticker symbol of the business.
Optional for Public Companies and n/a for all other entities.
Conditional

legalDetails Object

Object within the businessDetails object to accept the legal details.

PropertyDescriptionNeeded?
registeredDateDate of incorporationRequired
registeredCountryCountry of registration/incorporationRequired
listedExchangeThe Exchange where the business is publicly listed. See Enum Values for valid set of values.Required

regulatoryDetails Object

Object within the businessDetails object to accept regulatory status of the Client.

PropertyDescriptionNeeded?
unregulatedTrustTypeUnregulated Trust Type Detail.  See Enum Values for valid set of values. This is an array, and hence can pass more than one value to this field.
This is required for Trusts and n/a for all other entities.
Conditional

RegisteredAddress Object

Object within the businessDetails object to accept the address details where the company is registered.

PropertyDescriptionNeeded?
registeredAddressAddress where business was registeredRequired
  addressLine1Address Line 1Required
  addressLine2Address Line 2Optional
  cityCity / suburbRequired
  stateStateRequired
  countryCountryRequired
  postcodePost CodeRequired

businessAddress Object

Object within the businessDetails object to accept the address details where the company does business.

NOTE: These fields are used only if the principal place of business is different than the registered address.

NOTE: These fields are conditional where if isSameBusinessAddress = NO.

PropertyDescriptionNeeded?
businessAddressIf the principal place of Business is different than the registered addressConditional
addressLine1Address Line 1Conditional
addressLine2Address Line 2Conditional
cityCity /suburbConditional
stateStateConditional
countryCountryConditional
postcodePost CodeConditional

documentDetails Object

Object within the businessDetails object to accept the one or many documents sent via the API.

PropertyDescriptionNeeded?
documentTypeSee Enum Values for valid set of values.Required
documentDocument fileRequired
  fileNameFile nameRequired
  fileTypeFile typeRequired
  documentRequired

stakeholders Object

The array of object to accept multiple stakeholders information. For every stakeholder object sent in the API, the Nium Clients must send either 'stakeholderDetails' or 'businessPartner'.

PropertyDescriptionNeeded?
referenceIdUnique referenceId associated with the stakeholder. Clients can pass a unique UUID value and Nium Platform can use the given value to identify the given stakeholder object (which could be either a stakeholderDetails object or a businessPartner object), and if not provided, Nium Platform will generate one. This unique reference Id can later be used to respond to RFI or to upload required documents for the given stakeholder object.Optional
stakeholderDetailsDetails of individual stakeholder (at least one natural person)Required
kycModeMode for KYC verification: E_KYC or MANUAL_KYCRequired
firstNameFirst NameRequired
middleNameMiddle NameOptional
lastNameLast NameRequired
nationalityNationalityRequired
dateOfBirthDate of birthRequired
professionalDetailsProfessional details of the stakeholderRequired
positionPosition of the stakeholder.
At least one of the individual stakeholder (natural person) should have a position as CONTROL_PRONG. See Enum Values for valid set of values.
Required
sharePercentageShare percentage of the stakeholder in the company.
If the stakeholder’s position is Ultimate Beneficial Owner (UBO), then the share percentage is a required input parameter, that is if position = UBO)
Conditional
addressDetailsResidential address of the stakeholder.Required
addressLine1Address Line 1 of the stakeholder.Required
addressLine2Address Line 2 of the stakeholder.Optional
cityCity or suburb of the stakeholder.Required
stateState of the stakeholder.Required
countryCountry of the stakeholder.Required
postcodePost Code of the stakeholder.Required
contactDetailsContact details of the stakeholder.Optional
emailEmail of the stakeholder.Optional
contactNoContact Number of the stakeholder.Optional
documentDetailsDocument details of stakeholderRequired
documentTypeSee Enum Values for valid set of values.Required
documentNumberDocument NumberRequired
businessPartnerDetails of business partnerConditional
businessNameBusiness NameRequired
businessRegistrationNumberBusiness Registration NumberRequired
businessEntityTypePosition of the business partner in the company. See Enum Values for valid set of values.Required
sharePercentageShare percentage (if position = UBO)Conditional
registeredCountryCountry of IncorporationRequired

applicantDetails Object

This object contains details about the person, ways to identify them, contact them, documents, etc.

PropertyDescriptionNeeded?
referenceIdUnique referenceId associated with the applicant. Clients can pass a unique UUID value and Nium Platform can use the given value to identify the given applicant object, and if not provided, Nium Platform will generate one. This unique reference Id can later be used to respond to RFI or to upload required documents for the given applicant.Optional
kycModeKYC Mode of the applicant. Applicable values: E_KYC / MANUAL_KYCRequired
firstNameFirst NameRequired
middleNameMiddle NameOptional
lastNameLast NameRequired
nationalityNationalityRequired
dateOfBirthDate of BirthRequired
professionalDetails.Professional details of the applicantRequired
positionPosition of the applicant. See Enum Values for valid set of values.Required
sharePercentageShare percentage (if position = UBO)Conditional
addressResidential address of the applicantRequired
addressLine1Address Line 1 of the applicantRequired
addressLine2Address Line 2 of the applicantOptional
cityCity or Suburb of the applicantRequired
stateState of the applicantRequired
countryCountry of the applicantRequired
postcodePost Code or zip code of the applicantRequired
contactDetailsContact details of applicantRequired
emailEmail of the applicantRequired
countryCode.Country code of mobile numberRequired
contactNoMobile number of the applicantRequired
documentDetailsDocument details of applicantRequired
documentTypeSee Enum Values for valid set of values.Required
documentNumberDocument NumberRequired
Conditional

additionalInfo Object

This object contains edge-case information about the business.

PropertyDescriptionNeeded?
isSameBusinessAddressThis field accepts Yes or No to indicate if the principal place of business is same or different from the registered address for the business entity.Conditional

riskAssessmentInfo Object

Details required for determining Risk Profile.

PropertyDescriptionNeeded?
totalEmployeesSize of the business (No of employees).
See Enum Values for valid values.
Required
annualTurnoverSize of the business (Annual Turnover).
See Enum Values for valid values.
Required
industrySectorIndustry Sector.
See Enum Values for valid values.
Required
countryOfOperationList of countries where business operation exist apart from the registered countryRequired
transactionCountriesWhere could we expect the transaction activities of the business customer to occur i.e. send to/receive from/spend in.Required
intendedUseOfAccountCustomer's intended use of account. See Enum Values for valid values.Required

productDetails Object

This Object accepts the product details.

PropertyDescriptionNeeded?
segmentNium Platform supports configurations of fee-templates for a list of customer-segments (i.e., Gold, Silver, Bronze, etc.,), and Nium Platform Clients can onboard a Customer with the configured Segment (as configured with the fee-template setup). This will enable the Nium Platform Client to charge differential fees to its Customers.Optional
productTypeOne or more product types offered by the platform. Acceptable values - Cards, Send and Receive. For the US - please just pass Send and Receive. Cards is NOT supported in the US Nium One Platform (for now).Required
programThe acceptable value is SME.Required

tags Object

This object contains the user defined key-value pairs provided by the client.

PropertyDescriptionNeeded?
keyThe name of the tag. Maximum key length limit is 128 characters.Optional
valueThe value of the tag.Optional

KYC

With respect to onboarding the Business/Corporate Customers that are located in the US: Nium's Platform Clients can use the Nium's One Platform's APIs to onboard Business Customers (Corporate Customers). For the US based customers onboarding, Nium will perform the due diligence using a combination of automated checks and manual verification.

US-ResidentNon-Resident
If the Stakeholder or applicant is a natural person and is a resident of the US, then Nium can perform E-KYC of the person using his/her SSN. We advise the Client (i.e., Nium's Platform Client) to indicate E_KYC in the kycMode field (in the stakeholderDetails)If the Stakeholder or applicant is a natural person and is NOT a resident of the US, then Nium can perform Manual-KYC of the person. We advise the Client (i.e., Nium's Platform Client) to indicate Manual_KYC in the kycMode field (in the stakeholderDetails)

For the documentType document, refer to Stakeholer_Applicant Doc tab for details about the right data elements to be passed for the document types.

KYC Type

NOTE: For stakeholders, documents are needed only for natural persons, not for legal entities.

TypeRemarks
E_KYCIf the stakeholder or applicant is a resident of the US, SSN to be passed as National ID.
MANUAL_KYCIf the stakeholder or applicant is NOT a resident of the US, need documents to support Proof of Address (POA) and Proof of Identity (POI), so they can send their passport details or Driver License or National ID (as issued by their residence country).

Stakeholder-Applicant Docs

DocumentKYC ModedocumentTypedocumentNumberdocumentIssuanceCountrydocumentExpiryDatedocument.fileNamedocument.fileTypedocument.document
PassportMANUAL_KYC (for non-US)PASSPORTYes (PP Number)YesYesYesYesYes
Drivers LicenseMANUAL_KYC (for non-US)DRIVER_LICENCEYes (DL Number)YesYesYesYesYes
National IDE_KYC (for US)NATIONAL_IDYes (9-digit SSN)-----
National IDMANUAL_KYC (for Non-US)NATIONAL_IDYesYes-YesYesYes