USD onboarding is asynchronous and requires document uploads. Individual customers follow a 3-step flow; business customers follow a 4-step flow and must have at least one USD-onboarded individual shareholder before starting.

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Webhook: To receive onboarding status updates through webhooks, enable the Onboarding event category in the Lorum portal under Settings → App. Once enabled, your integration will receive webhook notifications when onboarding statuses change.

Provide Currency-Specific Data (Both Customer Types)

New individual - include USD-specific fields in Add Individual:

POST /v1/customers/individuals

New business - include USD-specific fields in Add Business:

POST /v1/customers/businesses

Existing customer (either type) - update via Update Customer:

PATCH /v1/customers/{customer_id}

Individual Customer

Follow the steps below to onboard an individual customer to USD.

Upload & Link Required Documents

Upload each document via Upload Document :

POST /v1/documents

Link it to the customer via Link Document:

POST /v1/customers/{customer_id}/documents

For a complete list of required documents, see Individual Customer Onboarding Requirements.

Trigger Onboarding

Once all documents are uploaded and linked, initiate onboarding via Onboard Customer:

POST /v1/customers/{customer_id}/onboarding/usd

Business Customer

Follow the steps below to onboard an business customer to USD.

Prerequisites: Identify and Onboard Ultimate Beneficiary Owners

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Before starting, identify all individuals who collectively hold 51% or more ownership of the business. Each must be fully USD-onboarded as an individual (steps 1–3 above) before being added as a shareholder.

Add USD-Onboarded Shareholder(s)

Each shareholder must be created in Lorum as an Individual Customer, approved and onboarded to USD.

Add each UBO via Add Shareholder

POST /v2/customers/businesses/{business_id}/shareholders

Upload and Link Required Documents

Upload each document via Upload Document :

POST /v1/documents

Link it to the customer via Link Document:

POST /v1/customers/{customer_id}/documents

For a complete list of required documents, see Business Customer Onboarding Requirements.

Trigger Onboarding

Once all documents are uploaded and linked, initiate onboarding via Onboard Customer:

POST /v1/customers/{customer_id}/onboarding/usd

Verification & Approval (Both Customer Types)

USD onboarding is reviewed asynchronously. Once approved, you will receive an onboarding.completed webhook and the customer's onboarding status will update to completed.

You can confirm the status via Get Customer Onboarding Status:

GET /v1/customers/{customer_id}/onboarding/usd