Trade Finance — KYC / KYB

Field requirements when a business sends or receives a cross-border trade settlement. Individual participants are not supported — only registered businesses can transact under this flow.

Use the create-customer flow with type: 'business' and purpose: 'trade_finance'. Both supported (type, party) combinations require the same company documents and UBO array.

Document fields under documents reference document_id values returned by a prior uploadCustomerDocument call. Each id is single-use, project-scoped, and expires 24h after upload if not attached.

India-only documents

Most trade-finance documents (Udyam, GST, IEC, ITR, company PAN) are India-specific. The current trade-finance rail accepts only India-incorporated companies; non-IN incorporations should use crypto-offramp instead.

Individual — sender

Not supported

Individuals are not permitted on the trade-finance flow. The createCustomer API rejects type = 'individual' + purpose = 'trade_finance' with INVALID_CUSTOMER_COMBINATION. Only registered businesses can transact under this flow.

Individual — receiver

Not supported

Business — sender

Apply when type = 'business' and party = 'sender'. The sender business is the entity initiating the cross-border trade settlement. Requires the full company-document set plus a UBO array.

Field	Type	Required	Description
country_of_incorporation	string (ISO 3166-1 alpha-2)	Yes	Two-letter country code for the company's country of incorporation. The trade-finance rail currently accepts only India-incorporated companies (IN).
documents.certificate_of_incorporation	document_id (PDF)	Yes	Certificate of Incorporation (COI) issued by the company's home jurisdiction.
documents.gst_certificate	document_id (PDF)	Yes	GST registration certificate.
documents.company_pan	document_id (PDF)	Yes	Company PAN card.
documents.memorandum_of_association	document_id (PDF)	Yes	Memorandum of Association (MoA).
documents.articles_of_association	document_id (PDF)	Yes	Articles of Association (AoA).
documents.udyam_certificate	document_id (PDF)	Yes	Udyam Registration certificate (formerly MSME) issued by the Government of India.
documents.importer_exporter_code	document_id (PDF)	Yes	Importer-Exporter Code (IEC) issued by the DGFT, required for cross-border trade.
documents.audited_financial_statement	document_id (PDF)	Yes	Audited financial statement for the most recent year.
documents.itr	document_id (PDF)	Yes	Income Tax Return (ITR) for the most recent year.
documents.proof_of_address	document_id (PDF \| JPEG \| PNG)	Yes	Proof of business address — typically an electricity bill or phone bill. Accepts PDF, JPEG, or PNG up to 4 MB.
ubos	array (1–5 entries)	Yes	Ultimate Beneficial Owners. Provide between 1 and 5 entries. Each UBO carries identity, tax document type, and uploaded supporting documents.
ubos[].tax_document_type	string	Yes	Tax document type for the UBO (typically 'pan' for India, 'tin' otherwise).
ubos[].identity_document_type	passport \| national_id \| ssn	Yes	Identity document type for the UBO.
ubos[].identity_document_number	string	Yes	Identity document number for the UBO matching its identity_document_type.
documents.ubo_{index}_identity_document	document_id (PDF)	Yes	Per-UBO identity document upload (e.g. Aadhaar card scan). One per UBO; substitute {index} with the 0-based UBO position.
documents.ubo_{index}_tax_document	document_id (PDF)	Yes	Per-UBO tax document upload (e.g. UBO PAN card). One per UBO; substitute {index} with the 0-based UBO position.

Business — receiver

Apply when type = 'business' and party = 'receiver'. The receiver business is the settlement beneficiary. Carries the same company-document set and UBO array as the sender — there are no role-specific field deltas.

Field	Type	Required	Description
country_of_incorporation	string (ISO 3166-1 alpha-2)	Yes	Two-letter country code for the company's country of incorporation. The trade-finance rail currently accepts only India-incorporated companies (IN).
documents.certificate_of_incorporation	document_id (PDF)	Yes	Certificate of Incorporation (COI) issued by the company's home jurisdiction.
documents.gst_certificate	document_id (PDF)	Yes	GST registration certificate.
documents.company_pan	document_id (PDF)	Yes	Company PAN card.
documents.memorandum_of_association	document_id (PDF)	Yes	Memorandum of Association (MoA).
documents.articles_of_association	document_id (PDF)	Yes	Articles of Association (AoA).
documents.udyam_certificate	document_id (PDF)	Yes	Udyam Registration certificate (formerly MSME) issued by the Government of India.
documents.importer_exporter_code	document_id (PDF)	Yes	Importer-Exporter Code (IEC) issued by the DGFT, required for cross-border trade.
documents.audited_financial_statement	document_id (PDF)	Yes	Audited financial statement for the most recent year.
documents.itr	document_id (PDF)	Yes	Income Tax Return (ITR) for the most recent year.
documents.proof_of_address	document_id (PDF \| JPEG \| PNG)	Yes	Proof of business address — typically an electricity bill or phone bill. Accepts PDF, JPEG, or PNG up to 4 MB.
ubos	array (1–5 entries)	Yes	Ultimate Beneficial Owners. Provide between 1 and 5 entries. Each UBO carries identity, tax document type, and uploaded supporting documents.
ubos[].tax_document_type	string	Yes	Tax document type for the UBO (typically 'pan' for India, 'tin' otherwise).
ubos[].identity_document_type	passport \| national_id \| ssn	Yes	Identity document type for the UBO.
ubos[].identity_document_number	string	Yes	Identity document number for the UBO matching its identity_document_type.
documents.ubo_{index}_identity_document	document_id (PDF)	Yes	Per-UBO identity document upload (e.g. Aadhaar card scan). One per UBO; substitute {index} with the 0-based UBO position.
documents.ubo_{index}_tax_document	document_id (PDF)	Yes	Per-UBO tax document upload (e.g. UBO PAN card). One per UBO; substitute {index} with the 0-based UBO position.