A Customer on the Newline Platform is the end user of your application. Customers are unique to each Program and the management of all accounts, and identifying information is handled on a Program-by-Program basis.

The ability to create new Customers is also a preset condition of your Program at Newline. Please see the below sections for more details.

Newline preset-Customers

In cases where the Client also serves as the Customer (i.e., the Client is both the end-user and the managing entity over any financial products), Newline will create Customers upon Program onboarding; in addition, Clients will then be precluded from creating new Customers.

Client-initiated Customers

In the case where Clients are managing Customer onboarding, Customer creation follows the below steps.

After your initial submission supplying external uid and email, the Customers endpoint will accept the remaining personally identifiable information (PII) and Profile Responses for each Customer. The PII for a Customer must be submitted in full. Newline will not accept your request if any field is incomplete or missing. PII can be edited for a Customer up until a valid request to onboard a Customer to a Product is sent to the Customer Product endpoint.

Profile Responses are submitted in response to Profile Requirements. The Profile Requirements a Customer must be satisfied before onboarding onto a Product are available on the Products endpoint. Profile Responses may be risk tolerance, income level, or other profile related data required from a Customer before they can onboard onto the Product.

To join a Program, a Customer must pass the Know Your Customer/Anti-Money Laundering (KYC/AML) identity verification requirements set by Fifth Third Bank. The KYC_status on the Customer record indicates the Customer’s current state within the KYC/AML verification workflow. Newline will initiate KYC/AML verification using the Customer PII on record after a valid request for onboarding is sent to the Customer Products endpoint. Examples of verification statuses include Approved, Manual Review, Documents Required, and Denied. Newline will work with you to define these states. A new Customer record must be created for each Program even when an identical Customer already exists on a different Program.

At no point will a Customer record be accessible outside of its Program.

This endpoint is also used for Customer management functions such as freezing or unfreezing a Customer, or archiving a Customer.