Before creating the individual account, the user must accept the required terms. See Terms and Conditions.
1. Create the individual account
The creation of the individual account is done by calling this API endpoint:Create an individual account
userInfo— the person being verified. They are the KYC subject and the account’s customer.rootUsers— the signer(s) who control the account. Each root user holds their own passkey and can sign transactions, exactly like the root users of an entity account. Every entry carries its ownfirstName,lastName,email, andauthenticators.
userInfo and rootUsers, using the same email.
Only the following fields are required to create the account:
firstName,lastName,email(inuserInfo)- one signer in
rootUsers(firstName,lastName,email) byzantineTermsSignedAt
accountId, and every person on it gets their own userId: one for the verified customer in userInfo, and one for each signer in rootUsers. In a standard self-created account, userInfo and the single root user are the same person, so there is just one userId.
An individual account can have more than one signer, and you can create an account on behalf of a client (for example as a wealth manager / CGP) by verifying one person in
userInfo while a different person signs via rootUsers. See Multi-users account.2. Complete the application
Once the account is created, use the update endpoint to progressively provide the remaining information needed for KYC verification:Update an individual account
- Personal data (date of birth, nationality, address, phone number, etc.)
- ID documents (passport or national ID card). See the list of accepted documents
- Proof of address. See the list of accepted documents
The response of both the create and update endpoints will include a
missingDocuments field listing any remaining required documents that have not yet been submitted.3. KYC verification
Byzantine and Bridge will verify the individual’s identity and address. Both Bridge and Byzantine may ask for additional details during this process. Throughout the KYC process, the user receives email notifications at every stage with updates on their status.The KYC process usually takes only a few minutes.

