Customers

The Customers section provides details on managing end-user accounts. Learn how to create, update, and archive customer records and onboard them to financial products while meeting KYC/AML requirements.

Endpoints:

• GET List Customers: GET /customers
• POST Create a new Customer: POST /customers
• GET Get a single Customer: GET /customers/{uid}
• PUT Adjust Customer Data: PUT /customers/{uid}
• DELETE Archive a Customer: DELETE /customers/{uid}

A Customer on the Newline Platform is the end user of your application. Customers are unique to each Program, and managing 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. Clients will also be precluded from creating new Customers.

Client-initiated Customers

Customer Onboarding Process for Clients
When managing customer onboarding, follow the outlined steps and key considerations below.

Steps for Onboarding Customers:

1. Initial Submission:
   1. Submit the external_uid and email using the Customers Endpoint.
2. Provide Personally Identifiable Information (PII):
   1. After the initial submission, supply the remaining PII for the customer.
   2. Ensure that all required PII fields are complete. Requests with complete or missing fields will be accepted.
3. Edit PII (Optional):
   1. PII can be updated until a valid request is sent to onboard the customer to a product using the Customer Product Endpoint.
4. Submit Profile Responses:
   1. Provide profile responses to meet the product's profile requirements.
   2. Profile Requirements can include data such as:
      1. Risk tolerance
      2. Income level
      3. Other product-specific information
5. Verify Profile Requirements:
   1. Use the Product Endpoint to access the Profile Requirements and ensure the customer satisfies all prerequisites for onboarding.
6. Initiate Onboarding Request:
   1. Submit a valid onboarding request for the customer using the Customer Products Endpoint.

Additional Considerations:

KYC/AML Verification:

• To join a program, customers must pass Know Your Customer (KYC) and Anti-Money Laundering (AML) identity verification as required by Fifth Third Bank.
• KYC_status on the customer record will indicate the current state of the KYC/AML workflow.

Once a valid onboarding request is received, Newline initiates KYC/AML verification using the customer's PII.
Verification statuses include:

• Approved
• Manual Review
• Documents Required
• Denied

Newline will work with clients to define these states.

Program-Specific Records:

• A new customer record must be created for each program, even if an identical customer exists in another program.
• Customer records are not accessible outside of their associated program.

Customer Management Functions:

The Customers Endpoint can also be used to perform management actions such as:

• Freezing or unfreezing a customer
• Archiving a customer