This document outlines the required steps to create an Individual or Business customer in the Lumx platform. The following steps apply for a workflow using the API but you can also use the dashboard.
We have a link available provided by our compliance partner, enabling easier interactions and better rate of approval. It’s available to use via API or via dashboard.

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1. Create a customer

Endpoint: POST /customers Registers a new customer on the platform. Customers can be of type Individual or Business. The response includes an id, which is required for subsequent operations.
When creating a Business customer, it is mandatory to provide information about any beneficiaries holding more than 20% ownership. These beneficiaries will be automatically linked to the Business customer — there is no need to create an Individual customer separately to associate them.

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2. Upload required documents

Endpoint: POST /customers/:id/documents Allows you to upload the documents required for identity and/or business verification. This API endpoint uses FormData to handle uploads.

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Requirements by customer type

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Individual customers

The following documents are mandatory:
  • One identity document (digital version also accepted):
    • id_card (e.g., RG)
    • drivers_license (e.g., CNH)
    • passport
  • One proof_of_address (proof of address)
If your document is double-sided, you should send first the front side, then the back side.

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Business customers

The following documents are mandatory:
  • Legal incorporation document:
    • incorporation_articles (e.g., articles of incorporation, certificate of formation, or state business registration extract)
    • incumbency_cert
    • shareholder_registry
  • Documents of all beneficiaries (same as required for Individual customers, in this case you should also send the beneficiaryId on the request)
  • One proof_of_address (dated within the last 3 months), such as:
    • Valid lease agreement
    • Utility bill (water, electricity, internet, etc.)
    • Bank statement
Notes:
  • Accepted file formats: PDF, PNG, or JPEG
  • Maximum file size per document: 50MB
  • All documents must be clearly legible and fully visible

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Common examples of valid proof of address (individuals)

  • Property tax bill (valid for up to 1 year)
  • Mortgage agreement
  • Landline phone bill
  • Utility bills (water, electricity, gas, internet)
  • Rental agreement signed by both landlord and tenant
  • Bank-issued credit card statement
Documents must include the customer’s full name and residential address. Both physical (scanned) and digital (PDF) documents are accepted.

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3. Start customer verification

Endpoint: POST /customers/:id/verifications Initiates the KYC/KYB verification process for the customer.
To execute this operation, all required documents for the respective customer type must have been previously uploaded using the Upload Documents API, including beneficiaries if applicable.

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4. Check verification status

Endpoint: GET /customers/:id/verifications Returns the current verification status of the customer: approved, temporary_rejection, final_rejection, pending. This API allows you to monitor the status of the verification process initiated via the Start Customer Verification endpoint. The response includes:
  • Overall customer verification status
  • Status of each submitted document
  • Details on any pending or rejected documents
It can take up to a day for a KYB to be processed, for a KYC it should only take a couple minutes.