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Approve an application

POST
/api/v1/applications/{id}/approve

Authorizations

Section titled “Authorizations ”

Parameters

Section titled “ Parameters ”

Path Parameters

Section titled “Path Parameters ”
id
required
string

Responses

Section titled “ Responses ”

200

Section titled “200 ”

Application details

object
businessApplication

Business application details (present for business type applications)

object
name
required
string
Example
Acme Corporation
id
required
string
Example
507f1f77bcf86cd799439011
createdAt
required
string format: date-time
Example
2026-03-01T10:00:00.000Z
updatedAt
required
string format: date-time
Example
2026-03-30T12:00:00.000Z
verified
required
boolean
manual
required

Whether this is a manual application

boolean
customerType
required
string
Allowed values: BUSINESS INDIVIDUAL
accountType
required

Display-facing account classification for the Overview meta-field. “entity” = business application; “joint” = individual application linked to a second individual via a JOINT_ACCOUNT entity link; “individual” = single personal application.

string
Allowed values: individual joint entity
stageEnteredAt

When the application entered its current stage. Drives the “pending for N days” meta-field for non-approved applications. Null for legacy rows created before stage tracking — callers fall back to createdAt.

string format: date-time
nullable
Example
2026-03-20T09:00:00.000Z
signatureDocument
object
id
required

Document ID

string
Example
507f1f77bcf86cd799439011
signerName
required
string
Example
John Smith
date
required
string
Example
2026-03-30T12:00:00.000Z
url
required
string
Example
https://storage.example.com/signatures/signed-agreement.pdf
hidden
required

Whether the signature document is hidden

boolean
status
string
Example
SUBMITTED
metadata

Arbitrary key-value metadata attached to the application. Null when no metadata is set.

object
key
additional properties
string
Example
{
  "externalRef": "abc-123",
  "plan": "enterprise"
}
verifications
required
Array<object>
object
field
required
string
Example
companyName
source
required
string
Example
companies-house
verified
required
boolean
Example
true
details
string
Example
Company name matches registrar records
verifiedAt
string format: date-time
Example
2026-03-30T12:00:00.000Z
reviewers
required
Array<object>
object
id
required
string
Example
60d5ecb54b24003a7c8e92b2
externalId
required
string
Example
auth0|507f1f77bcf86cd799439011
firstName
required
string
Example
John
lastName
required
string
Example
Smith
email
required
string
Example
john.smith@example.com
title
required
string
Example
Compliance Officer
createdAt
required
string format: date-time
Example
2026-03-30T12:00:00.000Z
updatedAt
required
string format: date-time
Example
2026-03-30T12:00:00.000Z
risk
object
score
required

Overall numeric risk score for the application. The band (LOW / MEDIUM / HIGH / PROHIBITED) is not stored — it is derived from this number using the account risk scoring strategy. See the Risk Scoring guide for the strategy-specific bands.

number
Example
45
data

Per-factor breakdown. Each entry is one risk factor and its contribution to the overall score.

Array<object>
object
category
required

Identifier for this risk factor. The available factors depend on the account risk scoring strategy, so this is an open string (e.g. “Jurisdiction”, “Country Risk”, “PEP”), not a fixed enum.

string
Example
Jurisdiction
score
required

This factor’s contribution to the overall risk score.

number
Example
30
level
required

Qualitative level for this factor: low, medium, high, prohibited, or bonus (a risk-reducing factor, e.g. a regulated entity). Lowercase — distinct from the uppercase overall risk band derived from RiskData.score.

string
Example
medium
title
required

Human-readable title for this risk factor.

string
Example
Jurisdiction Risk
keyPeople
Array<object>
object
id
required
string
Example
507f1f77bcf86cd799439011
joinId

Join row id (business_individuals.id or business_companies.id) — used for unlink/edit operations

string
Example
507f1f77bcf86cd799439099
type
required
string
Allowed values: individual business
applicationId
required
string
Example
507f1f77bcf86cd799439012
status
required
string
Example
SUBMITTED
stewardProfile
boolean
Example
true
address
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
firstName
required
string
Example
John
middleName
string
Example
David
lastName
required
string
Example
Smith
roles
required
Array<string>
Allowed values: DIRECTOR SHAREHOLDER UBO GENERAL_PARTNER LIMITED_PARTNER INVESTMENT_MANAGER FOUNDER COUNCIL_MEMBER TRUSTEE SETTLOR BENEFICIARY PROTECTOR INTERMEDIARY CONTROLLING_PERSON AUTHORIZED_SIGNATORY RELATED_PARTY PARENT PLAN_SPONSOR SENIOR_MANAGING_OFFICIAL EXECUTOR_ADMINISTRATOR DECEASED_PERSON JOINT_ACCOUNT MANAGER SIGNER
riskScore
number
Example
45
screeningSummary
required

Which screening types to include

Array<string>
Allowed values: ADVERSE_MEDIA SANCTIONS WARNING PEP
tradingExperience
object
shares
string
derivatives
string
otcDerivatives
string
tradingMethod
string
hasOccupationalExperience
boolean
hasFormalQualification
boolean
labelIds

Label IDs assigned to this application

Array<string>
Example
[
  "507f1f77bcf86cd799439011"
]
skip2FA
boolean
onboardingStep
object
stepProgressPercentage
number
Example
75
identifier
string
Example
DOCUMENT_UPLOAD
title
string
Example
Document Upload
accountId
string
Example
60d5ecb54b24003a7c8e92a1
unmappedResponses
Array<object>
object
label
required
string
stepId
required
string
values
required
Array<object>
object
id
required
string
label
required
string
value
object
fatcaCrs
object
tin
string
noTinExplanation
string
isUsPerson
string
isSpecifiedUsPerson
string
specifiedUsPersonExplanation
string
fatcaClassification
string
institutionalClassification
string
giin
string
noGiinReason
string
noGiinExplanation
string
crsEntityClassification
string
registrationNumber
string
Example
12345678
taxIdentificationNumber
string
Example
GB123456789
entityType
string
Example
BUSINESS
regulator
object
name
required
string
Example
FCA
number
required
string
Example
123456
jurisdiction

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
GB
incorporationDate
string format: date
Example
2020-01-15
establishmentDate
string format: date
Example
2020-01-15
registrationDate
string format: date
Example
2020-01-15
trustType
string
Example
Discretionary Trust
legalForm
string
Example
Limited Company
purpose
string
Example
Investment management and advisory services
businessActivity
string
Example
Financial services
industry
string
Example
Financial Services
subIndustry
string
Example
Investment Management
address
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
registeredAddress
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
tradingAddress
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
phoneNumber
object
countryCode
required
string
Example
+1
phoneNumber
required
string
Example
4143319681
website
string
Example
https://www.acmecorp.com
sicCode
string
Example
64110
vatNumber
string
Example
GB123456789
taxId
string
Example
A02951077
referrer
string
Example
Partner Bank
referrerNote
string
Example
Referred by relationship manager
companyTurnover
string
Example
1000000-5000000
annualFlow
string
Example
500000-1000000
estimatedNumberOfPayments
number
Example
50
expectedFxRequirement
string
Example
100000-500000
currenciesRequired
Array<string>
Example
[
  "GBP",
  "EUR",
  "USD"
]
countriesSentTo
Array<string>
Example
[
  "GB",
  "DE",
  "US"
]
countriesReceivedFrom
Array<string>
Example
[
  "GB",
  "FR"
]
paymentPurpose
string
Example
Supplier payments
fundingSource
string
Example
Revenue from operations
investmentAmount
number
Example
250000
investmentAmountCurrency
string
Example
GBP
refreshedAt
string
Example
2026-03-30T12:00:00.000Z
isAudited
boolean
Example
true
hasPep
boolean
ownershipLayers
number
>= 1 <= 3
legalEntityType
string
Example
Limited Company
regulatoryAuthority
string
Example
FCA
regulatoryNumber
string
Example
123456
parentApplicationId

ID of the parent business application that spawned this business application as a related corporate party (e.g. corporate UBO, holding company). Absent when the business application is a standalone primary onboarding.

string
Example
507f1f77bcf86cd799439011
parentRoles

Roles this business holds in the parent business application. Only present when parentApplicationId is set.

Array<string>
Allowed values: DIRECTOR SHAREHOLDER UBO GENERAL_PARTNER LIMITED_PARTNER INVESTMENT_MANAGER FOUNDER COUNCIL_MEMBER TRUSTEE SETTLOR BENEFICIARY PROTECTOR INTERMEDIARY AUTHORIZED_SIGNATORY CONTROLLING_PERSON RELATED_PARTY PARENT PLAN_SPONSOR SENIOR_MANAGING_OFFICIAL EXECUTOR_ADMINISTRATOR DECEASED_PERSON
Example
[
  "UBO",
  "SHAREHOLDER"
]
displayConfiguration
object
hiddenFields
Array<string>
hiddenSections
Array<string>
Example
{
  "hiddenFields": [
    "businessActivity"
  ],
  "hiddenSections": [
    "step-1"
  ]
}
screening
Array<object>
object
id
required
string
Example
507f1f77bcf86cd799439011
type
required
string
Allowed values: individual business
status
string
Allowed values: IN_REVIEW CONFIRMED DISMISSED NOT_REVIEWED TRUE_MATCH FALSE_POSITIVE
suggestedStatus
string
Allowed values: IN_REVIEW CONFIRMED DISMISSED NOT_REVIEWED TRUE_MATCH FALSE_POSITIVE
summary
required

Which screening types to include

Array<string>
Allowed values: ADVERSE_MEDIA SANCTIONS WARNING PEP
address
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
firstName
required
string
Example
John
middleName
string
Example
David
lastName
required
string
Example
Smith
roles
Array<string>
Allowed values: DIRECTOR SHAREHOLDER UBO GENERAL_PARTNER LIMITED_PARTNER INVESTMENT_MANAGER FOUNDER COUNCIL_MEMBER TRUSTEE SETTLOR BENEFICIARY PROTECTOR INTERMEDIARY CONTROLLING_PERSON AUTHORIZED_SIGNATORY RELATED_PARTY PARENT PLAN_SPONSOR SENIOR_MANAGING_OFFICIAL EXECUTOR_ADMINISTRATOR DECEASED_PERSON JOINT_ACCOUNT MANAGER SIGNER
dateOfBirth
string format: date
Example
1990-05-15
yearOfBirth
number
Example
1990
monthOfBirth
number
Example
5
hasNotReviewed
boolean
hasDismissed
boolean
confirmedMatchesCount
number
Example
2
summaryText
string
Example
No matches confirmed after review
jurisdiction

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
GB
individualApplication

Individual application details (present for individual type applications)

object
name
required
string
Example
Acme Corporation
id
required
string
Example
507f1f77bcf86cd799439011
createdAt
required
string format: date-time
Example
2026-03-01T10:00:00.000Z
updatedAt
required
string format: date-time
Example
2026-03-30T12:00:00.000Z
verified
required
boolean
manual
required

Whether this is a manual application

boolean
customerType
required
string
Allowed values: BUSINESS INDIVIDUAL
accountType
required

Display-facing account classification for the Overview meta-field. “entity” = business application; “joint” = individual application linked to a second individual via a JOINT_ACCOUNT entity link; “individual” = single personal application.

string
Allowed values: individual joint entity
stageEnteredAt

When the application entered its current stage. Drives the “pending for N days” meta-field for non-approved applications. Null for legacy rows created before stage tracking — callers fall back to createdAt.

string format: date-time
nullable
Example
2026-03-20T09:00:00.000Z
signatureDocument
object
id
required

Document ID

string
Example
507f1f77bcf86cd799439011
signerName
required
string
Example
John Smith
date
required
string
Example
2026-03-30T12:00:00.000Z
url
required
string
Example
https://storage.example.com/signatures/signed-agreement.pdf
hidden
required

Whether the signature document is hidden

boolean
status
string
Example
SUBMITTED
metadata

Arbitrary key-value metadata attached to the application. Null when no metadata is set.

object
key
additional properties
string
Example
{
  "externalRef": "abc-123",
  "plan": "enterprise"
}
verifications
Array<object>
object
field
required
string
Example
companyName
source
required
string
Example
companies-house
verified
required
boolean
Example
true
details
string
Example
Company name matches registrar records
verifiedAt
string format: date-time
Example
2026-03-30T12:00:00.000Z
reviewers
required
Array<object>
object
id
required
string
Example
60d5ecb54b24003a7c8e92b2
externalId
required
string
Example
auth0|507f1f77bcf86cd799439011
firstName
required
string
Example
John
lastName
required
string
Example
Smith
email
required
string
Example
john.smith@example.com
title
required
string
Example
Compliance Officer
createdAt
required
string format: date-time
Example
2026-03-30T12:00:00.000Z
updatedAt
required
string format: date-time
Example
2026-03-30T12:00:00.000Z
risk
object
score
required

Overall numeric risk score for the application. The band (LOW / MEDIUM / HIGH / PROHIBITED) is not stored — it is derived from this number using the account risk scoring strategy. See the Risk Scoring guide for the strategy-specific bands.

number
Example
45
data

Per-factor breakdown. Each entry is one risk factor and its contribution to the overall score.

Array<object>
object
category
required

Identifier for this risk factor. The available factors depend on the account risk scoring strategy, so this is an open string (e.g. “Jurisdiction”, “Country Risk”, “PEP”), not a fixed enum.

string
Example
Jurisdiction
score
required

This factor’s contribution to the overall risk score.

number
Example
30
level
required

Qualitative level for this factor: low, medium, high, prohibited, or bonus (a risk-reducing factor, e.g. a regulated entity). Lowercase — distinct from the uppercase overall risk band derived from RiskData.score.

string
Example
medium
title
required

Human-readable title for this risk factor.

string
Example
Jurisdiction Risk
keyPeople
Array<object>
object
id
required
string
Example
507f1f77bcf86cd799439011
joinId

Join row id (business_individuals.id or business_companies.id) — used for unlink/edit operations

string
Example
507f1f77bcf86cd799439099
type
required
string
Allowed values: individual business
applicationId
required
string
Example
507f1f77bcf86cd799439012
status
required
string
Example
SUBMITTED
stewardProfile
boolean
Example
true
address
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
firstName
required
string
Example
John
middleName
string
Example
David
lastName
required
string
Example
Smith
roles
required
Array<string>
Allowed values: DIRECTOR SHAREHOLDER UBO GENERAL_PARTNER LIMITED_PARTNER INVESTMENT_MANAGER FOUNDER COUNCIL_MEMBER TRUSTEE SETTLOR BENEFICIARY PROTECTOR INTERMEDIARY CONTROLLING_PERSON AUTHORIZED_SIGNATORY RELATED_PARTY PARENT PLAN_SPONSOR SENIOR_MANAGING_OFFICIAL EXECUTOR_ADMINISTRATOR DECEASED_PERSON JOINT_ACCOUNT MANAGER SIGNER
riskScore
number
Example
45
screeningSummary
required

Which screening types to include

Array<string>
Allowed values: ADVERSE_MEDIA SANCTIONS WARNING PEP
tradingExperience
object
shares
string
derivatives
string
otcDerivatives
string
tradingMethod
string
hasOccupationalExperience
boolean
hasFormalQualification
boolean
labelIds

Label IDs assigned to this application

Array<string>
Example
[
  "507f1f77bcf86cd799439011"
]
skip2FA
boolean
onboardingStep
object
stepProgressPercentage
number
Example
75
identifier
string
Example
DOCUMENT_UPLOAD
title
string
Example
Document Upload
accountId
string
Example
60d5ecb54b24003a7c8e92a1
unmappedResponses
Array<object>
object
label
required
string
stepId
required
string
values
required
Array<object>
object
id
required
string
label
required
string
value
object
firstName
string
Example
John
middleName
string
Example
David
lastName
string
Example
Smith
dateOfBirth
string format: date
Example
1990-05-15
yearOfBirth
number
Example
1990
monthOfBirth
number
Example
5
countryOfBirth

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
GB
nationality

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
GB
address
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
phoneNumber
object
countryCode
required
string
Example
+1
phoneNumber
required
string
Example
4143319681
otherNationality

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
IE
taxResidency

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
GB
secondaryTaxResidency

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
IE
taxIdentificationNumber
string
Example
AB123456C
email
string
Example
john.smith@example.com
amountToBeInvested
number
Example
50000
amountToBeInvestedCurrency
string
Example
GBP
usCitizen
boolean
isPEP
boolean
roles
Array<string>
Allowed values: DIRECTOR SHAREHOLDER UBO GENERAL_PARTNER LIMITED_PARTNER INVESTMENT_MANAGER FOUNDER COUNCIL_MEMBER TRUSTEE SETTLOR BENEFICIARY PROTECTOR INTERMEDIARY CONTROLLING_PERSON AUTHORIZED_SIGNATORY RELATED_PARTY PARENT PLAN_SPONSOR SENIOR_MANAGING_OFFICIAL EXECUTOR_ADMINISTRATOR DECEASED_PERSON JOINT_ACCOUNT MANAGER SIGNER
onboarding
boolean
Example
true
employmentStatus
string
Example
EMPLOYED
occupation
string
Example
Software Engineer
idVerification
object
documentType
string
documentId
string
fileUrl
string
provider
string
providerId
string
verified
required
boolean
stewardProfile
boolean
screening
Array<object>
object
id
required
string
Example
507f1f77bcf86cd799439011
type
required
string
Allowed values: individual business
status
string
Allowed values: IN_REVIEW CONFIRMED DISMISSED NOT_REVIEWED TRUE_MATCH FALSE_POSITIVE
suggestedStatus
string
Allowed values: IN_REVIEW CONFIRMED DISMISSED NOT_REVIEWED TRUE_MATCH FALSE_POSITIVE
summary
required

Which screening types to include

Array<string>
Allowed values: ADVERSE_MEDIA SANCTIONS WARNING PEP
address
object
street
string
Example
123 Main Street
apartment
string
Example
Apt 4B
city
string
Example
London
state
string
Example
England
country
string
Example
GB
postalCode
string
Example
EC1A 1BB
firstName
required
string
Example
John
middleName
string
Example
David
lastName
required
string
Example
Smith
roles
Array<string>
Allowed values: DIRECTOR SHAREHOLDER UBO GENERAL_PARTNER LIMITED_PARTNER INVESTMENT_MANAGER FOUNDER COUNCIL_MEMBER TRUSTEE SETTLOR BENEFICIARY PROTECTOR INTERMEDIARY CONTROLLING_PERSON AUTHORIZED_SIGNATORY RELATED_PARTY PARENT PLAN_SPONSOR SENIOR_MANAGING_OFFICIAL EXECUTOR_ADMINISTRATOR DECEASED_PERSON JOINT_ACCOUNT MANAGER SIGNER
dateOfBirth
string format: date
Example
1990-05-15
yearOfBirth
number
Example
1990
monthOfBirth
number
Example
5
hasNotReviewed
boolean
hasDismissed
boolean
confirmedMatchesCount
number
Example
2
summaryText
string
Example
No matches confirmed after review
jurisdiction

ISO 3166-1 alpha-2 country code

string format: iso-3166-1-alpha-2
Example
GB
accountTurnover
string
Example
50000-100000
annualFlow
string
Example
100000-500000
estimatedNumberOfPayments
number
Example
20
expectedFxRequirement
string
Example
10000-50000
currenciesRequired
Array<string>
Example
[
  "GBP",
  "EUR"
]
countriesSentTo
Array<string>
Example
[
  "GB",
  "DE"
]
countriesReceivedFrom
Array<string>
Example
[
  "GB",
  "US"
]
paymentPurpose
string
Example
Personal expenses
fundingSource
string
Example
Salary
parentApplicationId

ID of the parent business application that spawned this individual application as a key person (e.g. UBO, director, shareholder). Absent when the individual application is a standalone primary onboarding.

string
Example
507f1f77bcf86cd799439011
parentRoles

Roles this individual holds in the parent business application. Only present when parentApplicationId is set.

Array<string>
Allowed values: DIRECTOR SHAREHOLDER UBO GENERAL_PARTNER LIMITED_PARTNER INVESTMENT_MANAGER FOUNDER COUNCIL_MEMBER TRUSTEE SETTLOR BENEFICIARY PROTECTOR INTERMEDIARY CONTROLLING_PERSON AUTHORIZED_SIGNATORY RELATED_PARTY PARENT PLAN_SPONSOR SENIOR_MANAGING_OFFICIAL EXECUTOR_ADMINISTRATOR DECEASED_PERSON JOINT_ACCOUNT MANAGER SIGNER
Example
[
  "UBO",
  "DIRECTOR"
]
displayConfiguration
object
hiddenFields
Array<string>
hiddenSections
Array<string>
Example
{
  "hiddenFields": [
    "phoneNumber"
  ],
  "hiddenSections": [
    "step-1"
  ]
}
submitter

The submitter (person filling out the application) — name and email

object
firstName
required
string
Example
Michael
lastName
required
string
Example
Chen
email
required
string
Example
michael.chen@acme-corp.com
Example
{
  "businessApplication": {
    "name": "Acme Corporation",
    "id": "507f1f77bcf86cd799439011",
    "createdAt": "2026-03-01T10:00:00.000Z",
    "updatedAt": "2026-03-30T12:00:00.000Z",
    "verified": false,
    "manual": false,
    "customerType": {},
    "accountType": {},
    "stageEnteredAt": "2026-03-20T09:00:00.000Z",
    "status": "SUBMITTED",
    "metadata": {
      "externalRef": "abc-123",
      "plan": "enterprise"
    },
    "verifications": [],
    "reviewers": [],
    "keyPeople": [],
    "labelIds": [
      "507f1f77bcf86cd799439011"
    ],
    "skip2FA": false,
    "accountId": "60d5ecb54b24003a7c8e92a1",
    "unmappedResponses": [],
    "registrationNumber": "12345678",
    "taxIdentificationNumber": "GB123456789",
    "entityType": "BUSINESS",
    "jurisdiction": "GB",
    "incorporationDate": "2020-01-15",
    "establishmentDate": "2020-01-15",
    "registrationDate": "2020-01-15",
    "trustType": "Discretionary Trust",
    "legalForm": "Limited Company",
    "purpose": "Investment management and advisory services",
    "businessActivity": "Financial services",
    "industry": "Financial Services",
    "subIndustry": "Investment Management",
    "website": "https://www.acmecorp.com",
    "sicCode": "64110",
    "vatNumber": "GB123456789",
    "taxId": "A02951077",
    "referrer": "Partner Bank",
    "referrerNote": "Referred by relationship manager",
    "companyTurnover": "1000000-5000000",
    "annualFlow": "500000-1000000",
    "estimatedNumberOfPayments": 50,
    "expectedFxRequirement": "100000-500000",
    "currenciesRequired": [
      "GBP",
      "EUR",
      "USD"
    ],
    "countriesSentTo": [
      "GB",
      "DE",
      "US"
    ],
    "countriesReceivedFrom": [
      "GB",
      "FR"
    ],
    "paymentPurpose": "Supplier payments",
    "fundingSource": "Revenue from operations",
    "investmentAmount": 250000,
    "investmentAmountCurrency": "GBP",
    "refreshedAt": "2026-03-30T12:00:00.000Z",
    "isAudited": true,
    "hasPep": false,
    "ownershipLayers": 1,
    "legalEntityType": "Limited Company",
    "regulatoryAuthority": "FCA",
    "regulatoryNumber": "123456",
    "parentApplicationId": "507f1f77bcf86cd799439011",
    "parentRoles": [
      "UBO",
      "SHAREHOLDER"
    ],
    "displayConfiguration": {
      "hiddenFields": [
        "businessActivity"
      ],
      "hiddenSections": [
        "step-1"
      ]
    },
    "screening": []
  },
  "individualApplication": {
    "name": "Acme Corporation",
    "id": "507f1f77bcf86cd799439011",
    "createdAt": "2026-03-01T10:00:00.000Z",
    "updatedAt": "2026-03-30T12:00:00.000Z",
    "verified": false,
    "manual": false,
    "customerType": {},
    "accountType": {},
    "stageEnteredAt": "2026-03-20T09:00:00.000Z",
    "status": "SUBMITTED",
    "metadata": {
      "externalRef": "abc-123",
      "plan": "enterprise"
    },
    "verifications": [],
    "reviewers": [],
    "keyPeople": [],
    "labelIds": [
      "507f1f77bcf86cd799439011"
    ],
    "skip2FA": false,
    "accountId": "60d5ecb54b24003a7c8e92a1",
    "unmappedResponses": [],
    "firstName": "John",
    "middleName": "David",
    "lastName": "Smith",
    "dateOfBirth": "1990-05-15",
    "yearOfBirth": 1990,
    "monthOfBirth": 5,
    "countryOfBirth": "GB",
    "nationality": "GB",
    "otherNationality": "IE",
    "taxResidency": "GB",
    "secondaryTaxResidency": "IE",
    "taxIdentificationNumber": "AB123456C",
    "email": "john.smith@example.com",
    "amountToBeInvested": 50000,
    "amountToBeInvestedCurrency": "GBP",
    "usCitizen": false,
    "isPEP": false,
    "roles": [],
    "onboarding": true,
    "employmentStatus": "EMPLOYED",
    "occupation": "Software Engineer",
    "stewardProfile": false,
    "screening": [],
    "accountTurnover": "50000-100000",
    "annualFlow": "100000-500000",
    "estimatedNumberOfPayments": 20,
    "expectedFxRequirement": "10000-50000",
    "currenciesRequired": [
      "GBP",
      "EUR"
    ],
    "countriesSentTo": [
      "GB",
      "DE"
    ],
    "countriesReceivedFrom": [
      "GB",
      "US"
    ],
    "paymentPurpose": "Personal expenses",
    "fundingSource": "Salary",
    "parentApplicationId": "507f1f77bcf86cd799439011",
    "parentRoles": [
      "UBO",
      "DIRECTOR"
    ],
    "displayConfiguration": {
      "hiddenFields": [
        "phoneNumber"
      ],
      "hiddenSections": [
        "step-1"
      ]
    }
  },
  "submitter": {
    "firstName": "Michael",
    "lastName": "Chen",
    "email": "michael.chen@acme-corp.com"
  }
}