Customers And Onboarding

Customer Model

A Customer is the partner's end user in Oceafin.

External identifiers:

partnerCustomerRef: partner-owned stable customer reference.

customerId: Oceafin-generated public id returned by the Partner API.

Partners must not send:

tenant id

business id

merchant id

internal processing identifiers

internal file identifiers

raw processing payload fields

Customer Statuses

Status	Meaning
`DRAFT`	Customer exists but onboarding has not been submitted.
`SUBMITTED`	Onboarding was accepted by Oceafin for processing.
`PROCESSING`	Onboarding or product processing is in progress.
`MISSING_INFO_REQUIRED`	Additional data or files are required.
`APPROVED`	Customer is approved for enabled product workflows.
`REJECTED`	Customer onboarding was rejected.
`SUSPENDED`	Customer is suspended by platform controls.
`CLOSED`	Customer relationship is closed.

Create Customer

Request:

{
  "partnerCustomerRef": "cust-100001",
  "customerType": "INDIVIDUAL",
  "displayName": "Jane Partner",
  "metadata": {
    "sourceSystem": "partner-crm"
  }
}

customerType is INDIVIDUAL or CORPORATE.

Creating a Customer does not submit KYC or KYB. It creates the partner-visible
customer record used by later onboarding and product calls.

Upload Or Link Files

The endpoint accepts either:

multipart/form-data with a binary file.

application/json linking an existing file asset id returned by an approved
file flow.

Partners must reference the returned fileAssetId in onboarding submissions.
Partners must not send internal file identifiers.

Submit KYC Or KYB

Common request sections:

customerType

consentEvidence

partnerAttestation

fileAssetIds

submission

For individual KYC, submission includes:

personalDetails

additionalPersonalDetails

supportingDocuments

For corporate KYB, submission includes:

corporationDetails

additionalCorporationDetails

supportingDocuments

Each supporting document must reference a fileAssetId that was uploaded or
linked through the Partner file endpoint.

Consent evidence records what the partner displayed and captured from the end
user. Recommended fields:

termsVersion

privacyVersion

dataSharingVersion

displayedAt

acceptedAt

acceptedByPartnerUserRef

ipAddress

userAgent

locale

evidenceHash

Partner Attestation

Partner attestation records that the partner collected the data and is authorized
to submit it to Oceafin. Recommended fields:

attestedAt

attestedByClientId

collectionChannel

sourceSystem

sourceRecordRef

dataHash

fileBundleHash

attestedByClientId must match X-Partner-Client-Id.

Customers And Onboarding

Customer Model#

Customer Statuses#

Create Customer#

Upload Or Link Files#

Submit KYC Or KYB#

Consent Evidence#