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Submit KYC (Know Your Customer) data for an individual customer. The customer must already exist in your account. After submission, the status will be submitted and move to approved after review. 
POST https://kyc.yativo.com/api/individual-kyc/submit
This endpoint is on the KYC platform (https://kyc.yativo.com), not the main API base URL. Requires Idempotency-Key header.

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Identity fields

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customer_id
string
required
The customer UUID from POST /customer.
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type
string
required
Must be "individual".
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signed_agreement_id
string
Optional agreement UUID. If omitted, it is auto-generated by Yativo.
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first_name
string
required
Customer’s first name.
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last_name
string
required
Customer’s last name.
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middle_name
string
Customer’s middle name (optional).
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email
string
required
Customer’s email address.
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phone
string
required
Phone number without country code.
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calling_code
string
required
Country calling code, e.g. "+1", "+44", "+55".
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gender
string
required
One of: "male", "female", "other".
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birth_date
string
required
Date of birth in YYYY-MM-DD format.
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nationality
string
required
ISO 3166-1 alpha-2 country code (e.g. "US", "BR", "GB").
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taxId
string
required
Tax identification number for the customer.
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selfie_image
string
required
URL or base64-encoded selfie image of the customer.

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Residential address

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residential_address
object
required

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Identifying information

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identifying_information
array
required
Minimum 1 government-issued ID document required.

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Financial information

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employment_status
string
required
One of: "Employed", "self_employed", "unemployed", "retired", "student".
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most_recent_occupation_code
string
required
Occupation code from GET /auth/occupation-codes.
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expected_monthly_payments_usd
string
required
"LessThan5K", "5KTo50K", or "MoreThan50K".
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source_of_funds
string
required
Source of funds: "Salary", "Business", "Investment", "Savings", etc.
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account_purpose
string
required
Purpose for the account, e.g. "ReceiveSalary".
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account_purpose_other
string
Required when account_purpose is "other".
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acting_as_intermediary
boolean
required
Whether the customer acts as an intermediary for third parties.

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Virtual account preferences

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usd_virtual_account
boolean
Request a USD virtual account.
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eur_virtual_account
boolean
Request a EUR virtual account.
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eurde_virtual_account
boolean
Request a EUR/DE virtual account. If true, usd_virtual_account and eur_virtual_account must be false.
​
gbp_virtual_account
boolean
Request a GBP virtual account.

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Optional fields

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uploaded_documents
array
Additional supporting documents.
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sumsub_token
string
Optional Sumsub token for submissions that include liveness checks.
curl -X POST 'https://kyc.yativo.com/api/individual-kyc/submit' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: kyc-alex-smith-2026' \
  -d '{
    "customer_id": "c586066b-0f29-468f-b775-15483871a202",
    "type": "individual",
    "first_name": "Alex",
    "last_name": "Smith",
    "email": "alex.smith@example.com",
    "phone": "5551234567",
    "calling_code": "+1",
    "gender": "male",
    "nationality": "US",
    "birth_date": "1990-01-01",
    "taxId": "998877665",
    "selfie_image": "https://example.com/docs/selfie.jpg",
    "residential_address": {
      "street_line_1": "123 Main Street",
      "city": "Anytown",
      "state": "CA",
      "postal_code": "90210",
      "country": "US",
      "proof_of_address_file": "https://example.com/docs/proof.jpg"
    },
    "identifying_information": [
      {
        "type": "passport",
        "issuing_country": "US",
        "number": "P00012345",
        "date_issued": "2020-01-01",
        "expiration_date": "2030-01-01",
        "image_front_file": "https://example.com/docs/front.jpg"
      }
    ],
    "employment_status": "Employed",
    "most_recent_occupation_code": "132011",
    "expected_monthly_payments_usd": "LessThan5K",
    "source_of_funds": "Salary",
    "account_purpose": "ReceiveSalary",
    "acting_as_intermediary": false,
    "eur_virtual_account": false,
    "usd_virtual_account": true,
    "eurde_virtual_account": false,
    "gbp_virtual_account": false
  }'

{
  "success": true,
  "message": "KYC submission received successfully",
  "errors": {
    "submission": {
      "id": "sub_8f3b2a1c-4d5e-6f7a-8b9c-0d1e2f3a4b5c",
      "type": "individual",
      "status": "submitted",
      "customer_id": "c586066b-0f29-468f-b775-15483871a202",
      "first_name": "Alex",
      "last_name": "Smith",
      "email": "alex.smith@example.com",
      "endorsements": [
        {
          "service": "base",
          "status": "pending",
          "link": "https://kyc.yativo.com/endorsement/base/c586066b-0f29-468f-b775-15483871a202"
        }
      ],
      "created_at": "2026-04-02T10:00:00.000000Z"
    }
  }
}