Onboarding overview

Onboarding is the set of verification gates an account passes before it can use a fiat rail. Stablecoin movement needs none of them, and creating an account starts no verification. Each gate is a resource you read, never a state you infer from a wallet, a payment or another account.

Onboarding by account type

subjectType, fixed when the account is created, decides which path an account takes. See Universal Payment Account.

Step	`individual`	`business`	Crypto only
1	`POST /v2/accounts` with `subjectType: "individual"`	`POST /v2/accounts` with `subjectType: "business"`	`POST /v2/accounts`, either type
2	Verify the email	Not used	Not used
3	Individual KYC on a provider-hosted page	Not used	Not used
4	Activate a capability: the customer completes a Stableyard-hosted form	Activate a capability with `business.legalName`: the company’s representative completes a provider-hosted business verification	Not used
Opens	The bank rails your app is entitled to	US bank rails only: a linked US bank, a USD on-ramp account and payouts to that bank	Stablecoin rails only

The steps run in this order. A KYC session without a verified email is refused, and an individual’s capability activation without current identity eligibility is refused. A crypto-only integration stops at step 1. Crypto rails depend only on your app’s product access and work whether or not anyone has been verified.

The gates

Gate	Who passes it	Read it from
Partner KYB	Your organization, once	`compliance.partnerKyb.status` in `GET /v2/partners/config`
Email	Each `individual` account	`GET /v2/accounts/{accountId}/email`
Identity (KYC)	Each `individual` account	`GET /v2/accounts/{accountId}/kyc`
Business verification	Each `business` account	`GET /v2/accounts/{accountId}/capabilities`
Capability	Each account, per capability	`GET /v2/accounts/{accountId}/capabilities`

Partner KYB gates all fiat

Until your organization’s KYB is approved, no fiat product works for you or for any of your accounts. You complete it with Stableyard, not through the Partner API. Read its standing at runtime:

curl https://staging-api-v2.stableyard.fi/v2/partners/config \
  -u "$APP_ID:$APP_SECRET"

{
  "compliance": {
    "partnerKyb": { "status": "approved", "updatedAt": "2026-09-30T09:00:00Z" },
    "requirements": {
      "partnerFiatAccess": "kyb",
      "individualUpaFiatAccess": "kyc",
      "businessUpaFiatAccess": "kyb"
    }
  }
}

`compliance.partnerKyb.status`	Meaning
`not_started`	Nothing submitted yet
`pending`	Under review
`approved`	Fiat can open for your accounts, subject to each account’s own verification
`action_required`	Stableyard needs something from you

compliance.requirements states what each party passes:

Field	Value	Who passes it
`partnerFiatAccess`	`kyb`	Your organization
`individualUpaFiatAccess`	`kyc`	Each `individual` account
`businessUpaFiatAccess`	`kyb`	Each `business` account that represents one of your customers

Your organization’s KYB also covers Your Business UPA, the one business account you designate as your own operating identity. It needs no separate verification.

What each flow needs

Flow	Account	Needs first	Page
Verify an email	`individual`	The account. Your app environment’s email policy decides how	Email verification
Verify identity	`individual`	A verified email	Individual KYC
Verify a business	`business`	Business verification enabled for your banking program	Business KYB
Activate a capability	Either	Partner KYB approved, the account’s own verification, your app entitled to the capability, and one banking program covering the country, currency, rail and account type	Capability activation
Move stablecoin	Either	Your app’s product access only	Universal Payment Account

An account created before explicit classification may report subjectType: "unclassified". It remains usable for non-regulated activity, but cannot start verification: those calls return 422 account_subject_unclassified.

Email verification

Verify an individual’s email with a Stableyard code, or assert one you already verified.

Individual KYC

Send the customer to a provider-hosted page and read the result.

Business KYB

Verify a business for US bank rails through a hosted application.

Capability activation

Turn a verified customer into one who can use a bank rail.

Concepts

Onboarding

Money movement

Automation

Webhooks

Reference data

Onboarding by account type

The gates

Partner KYB gates all fiat

What each flow needs

Email verification

Individual KYC

Business KYB

Capability activation

​Onboarding by account type

​The gates

​Partner KYB gates all fiat

​What each flow needs

​Related

Email verification

Individual KYC

Business KYB

Capability activation

Onboarding by account type

The gates

Partner KYB gates all fiat

What each flow needs

Related