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USD onboarding guide

This guide provides step-by-step instructions for onboarding customers to create and use USD accounts through the Fuse platform.

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Overview

Note: Before starting the onboarding make sure that the Customer is Approved/Auto-approved by Fuse first

The USD account onboarding process differs based on customer type:

  • Individual Customers: 5-step process
  • Business Customers: 6-step process (requires at least one onboarded shareholder as individual customer)

Individual Customer Onboarding


Step 1: Provide Currency-Specific Data

For New Customers

Create a new individual customer with USD-specific information using the Add Individual API:

Documentation: https://docs.fuse.me/reference/add_individual

Include all required fields along with USD-specific data in your request.

For Existing Customers

Update existing customer profiles with USD-specific data using the Update Customer API.

Documentation: https://docs.fuse.me/reference/update_customer

Step 2: Upload Required Documents

Documentation: https://docs.fuse.me/reference/upload_document

Upload the following documents using the Upload Document API:

1. Identity Verification Biometrics

  • Document Type: identity_verification_biometrics
  • Description: Biometric identity verification document

2. Proof of Address

Must be dated within the last 90 days. Acceptable documents include:

  • Utility Bill
    • Document Type: proof_of_address
  • Bank Statement
    • Document Type: bank_statement
  • Government-Issued Document
    • Document Type: proof_of_address

Step 3: Link Documents to Customer

Link the uploaded documents to the customer profile.

Documentation: https://docs.fuse.me/reference/link_document

Step 4: Trigger Onboarding Process

Once all documents are uploaded and linked, initiate the onboarding process using the Onboarding API.

Documentation: https://docs.fuse.me/reference/onboard_customer

Step 5: Verification & Approval

Wait for the verification process to complete. You'll receive notification once the USD onboarding is approved and ready for use.

Note: To receive onboarding status notifications, the organization admin must enable the Onboarding webhook category in in the Fuse portal, under Settings > App.

Business Customer Onboarding


Prerequisites

You must identify the individual(s) who collectively hold 51% or more ownership in the business. This may be:

  • A single individual UBO (Ultimate Beneficial Owner) with at least 51% ownership, OR
  • Multiple individual UBOs whose combined ownership meets or exceeds 51%

All identified UBOs must be fully onboarded for USD (following the Individual Customer process above) before being added as shareholders.

Step 1: Provide Currency-Specific Data

For New Business Customers

Create a new business customer with USD-specific information using the Add Business API:

Documentation: https://docs.fuse.me/reference/add_business

Important: Registration date is required for USD onboarding.

For Existing Business Customers

Update existing business profiles with USD-specific data using the Update Customer API.

Documentation: https://docs.fuse.me/reference/update_customer

Step 2: Add USD-Onboarded Shareholder(s)

Add the USD-onboarded individual(s) as shareholder(s) to meet the ownership requirement:

Documentation: https://docs.fuse.me/reference/add_shareholder_v2

Requirements:

  • All shareholders must be fully onboarded for USD as individuals
  • The total ownership of USD-onboarded shareholders must be 51% or greater
  • You may add:
    • Single shareholder: One individual with ≥51% ownership
    • Multiple shareholders: Multiple individuals whose combined ownership ≥51%

Example Scenarios:

  • One shareholder with 60% ownership ✓
  • Two shareholders with 30% + 25% ownership (55% total) ✓
  • Three shareholders with 20% + 20% + 15% ownership (55% total) ✓

Step 3: Upload Business Proof of Address

Documentation: https://docs.fuse.me/reference/upload_document

Upload proof of address for the business location. Document must be dated within the last 90 days.

Acceptable documents include:

  • Utility Bill
    • Document Type: proof_of_address
  • Bank Statement
    • Document Type: bank_statement
  • Government-Issued Document
    • Document Type: proof_of_address

Step 4: Link Document to Customer

Link the uploaded business proof of address to the business customer profile.

Documentation: https://docs.fuse.me/reference/link_document

Step 5: Trigger Onboarding Process

Once all requirements are met, initiate the business onboarding process using the Onboarding API.

Documentation: https://docs.fuse.me/reference/onboard_customer

Step 6: Verification & Approval

Wait for the verification process to complete. You'll receive notification once the business USD onboarding is approved and ready for use.

Note: To receive onboarding status notifications, the organization admin must enable the Onboarding webhook category in in the Fuse portal, under Settings > App.

Important Notes

Document Requirements

  • All proof of address documents must be dated within the last 90 days
  • Documents must be clear, legible, and show complete information
  • Accepted formats typically include PDF, JPEG
  • File size limit is 10 MB

Support

For additional assistance or questions about the USD onboarding process:

  • Consult the full API documentation at https://docs.fuse.me
  • Contact technical support for integration issues

Updated 2 days ago