Credilinq.ai KYC API
The KYC API from Credilinq.ai — 8 operation(s) for kyc.
The KYC API from Credilinq.ai — 8 operation(s) for kyc.
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openapi: 3.2.0
info:
title: CrediLinq Authentication KYC API
description: 'CrediLinq embedded finance API: B2B PayLater and GMV Financing for platforms and marketplaces. Covers Auth0 token generation, merchant onboarding and eligibility, customer and director KYC, credit line and loan (drawdown) management, payments and reconciliation, reporting, and demographic reference data.'
version: '1.0'
contact:
name: CrediLinq Support
email: support@credilinq.ai
url: https://docs.credilinq.ai/
servers:
- url: https://sandbox-api.credilinq.ai
description: Sandbox
- url: https://stage-api.credilinq.ai
description: Staging
- url: https://api.credilinq.ai
description: Production
security:
- access-token: []
tags:
- name: KYC
paths:
/v2/kyc/customer/create:
post:
operationId: KycController_createCustomerKYCV2
summary: Initiate Customer KYC
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/AddBusinessKycDTO'
responses:
'200':
description: Customer KYC Created
content:
application/json:
schema:
$ref: '#/components/schemas/CustomerKYCResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
/v2/kyc/customer/update:
put:
operationId: KycController_updateCustomerKYCV2
summary: Update Customer KYC
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/UpdateBusinessKycDTO'
responses:
'200':
description: Customer KYC Updated
content:
application/json:
schema:
$ref: '#/components/schemas/CustomerKYCResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
/v2/kyc/director/create:
post:
operationId: KycController_addDirectorKycV2
summary: Initiate Director KYC
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/AddDirectorKycDTO'
responses:
'200':
description: Director KYC Created
content:
application/json:
schema:
$ref: '#/components/schemas/DirectorKYCResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
/v2/kyc/director/update:
put:
operationId: KycController_updateDirectorInformationV2
summary: Update Director KYC
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/UpdateDirectorKycDTO'
responses:
'200':
description: Director KYC Updated
content:
application/json:
schema:
$ref: '#/components/schemas/DirectorKYCResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
/v1/kyc/send-for-review:
post:
operationId: KycController_sendKycForReview
summary: Send KYC For Review
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/SendForKycReviewDto'
responses:
'200':
description: KYC Sent For Review
content:
application/json:
schema:
$ref: '#/components/schemas/KycApprovalSubmitResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
/v1/kyc/details/{applicationId}:
get:
operationId: KycController_getKycData
summary: Get KYC Data
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
- name: applicationId
required: true
in: path
description: Application Id. It's a unique number with a combination of alphabets, numeric and some special characters like dash, hash, ampersand and forward slash.
allowEmptyValue: false
example: d8eb1219-gg24-4773-97d8-b05264621e60
schema:
type: string
responses:
'200':
description: Get KYC Data
content:
application/json:
schema:
$ref: '#/components/schemas/KYCDetailsResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
/v1/kyc/individual/create:
post:
operationId: KycController_createIndividualCustomerKYC
summary: Initiate Individual KYC
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/AddIndividualKycDTO'
responses:
'200':
description: Individual KYC Created
content:
application/json:
schema:
$ref: '#/components/schemas/IndividualCustomerKYCResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
/v1/kyc/individual/update:
put:
operationId: KycController_updateIndividualCustomerKYC
summary: Update Individual KYC
description: ''
parameters:
- name: accept-language
in: header
description: 'Language of the response, supported languages: en-us, in'
schema:
type: string
default: en-us
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/UpdateIndividualKycDTO'
responses:
'200':
description: Individual KYC Updated
content:
application/json:
schema:
$ref: '#/components/schemas/IndividualCustomerKYCResponse'
'401':
description: Invalid credentials
content:
application/json:
schema:
$ref: '#/components/schemas/UnauthorizedResponse'
'403':
description: Forbidden resource
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenResponse'
'500':
description: Internal Server Error, Some problem is there, please try after sometime
content:
application/json:
schema:
$ref: '#/components/schemas/InternalErrorResponse'
tags:
- KYC
security:
- access-token: []
components:
schemas:
SendForKycReviewDto:
type: object
properties:
applicationId:
type: string
default: ''
example: d8eb1219-gg24-4773-97d8-b05264621e60
description: Application Id
kycType:
type: string
default: business
example: individual
description: individual | business
required:
- applicationId
UpdateBusinessKycDTO:
type: object
properties:
customerName:
type: string
description: "Customer or a Company's Full Name.\n - ``` /^(?:(?=^.*([0-9]|[a-z]|[A-Z]))(([0-9]|[a-z]|[A-Z]))|([0-9]|[a-z]|[A-Z]))/g ```\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
default: ''
example: John Doe
companyRegistrationNo:
type: string
default: ''
example: 1111111ET
description: "Registration number with which company is registered.\n - ``` /^[A-Za-z0-9/-]+$/ ```"
companyRegistrationDate:
type: string
description: Company Registration Date is a date at which company is registered. Supported Date Formats (DD-MM-YYYY/DD MMM YYYY)
example: 13-07-2023
default: ''
incorporationCountry:
type: string
default: ''
example: Singapore
description: "Country of incorporation for company.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
industry:
type: string
default: ''
enum:
- Agriculture / Fishing / Food Production
- Building and Construction - Private Sector
- Building and Construction - Public Sector
- Education
- Energy - generation and distribution
- Health & Human Services
- IT services
- Manufacturing
- Manufacturing - computer & electronics
- Manufacturing - consumer related
- Media
- Other
- Renewable
- Retail Trading
- Service Sector - F&B
- Service Sector - non-F&B
- Transport & Logistics
- Wholesale Trader
description: Industry indicates the type of activity in which company is involved. For eg. Travel, Media, Manufacuring etc
example: IT services
address:
type: string
default: ''
example: 100 North St, Singapore
description: "Address of company.\n - ``` /^(?:(?=^.*([0-9]|[a-z]|[A-Z]))(([0-9]|[a-z]|[A-Z]))|([0-9]|[a-z]|[A-Z]))/g ```\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
zipCode:
type: string
default: ''
example: '155010'
description: "ZipCode/PinCode for address.\n - ``` /^[A-Za-z0-9]+$/ ```\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
state:
type: string
example: Central Region
default: ''
description: "State in which company is located.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
district:
type: string
example: Bedok
default: ''
description: "District in which company is located.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
city:
type: string
example: Downtown
default: ''
description: "City in which company is located.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
area:
type: string
example: PC garden
default: ''
description: "Area in which company is located.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
street:
type: string
example: SD School St
default: ''
description: "Street in which company is located.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
country:
type: string
default: ''
example: Singapore
description: "Country in which company is located.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
mobileNo:
type: string
default: ''
example: '+6578787141'
description: "Company/Customer's Mobile number along with country code.\n - ```<= 15 characters```\n - ``` /^(\\+\\d{1,4}[-. ]?)?(\\()?\\d{3}(\\))?[-. ]?\\d{3}[-. ]?\\d{3,4}$/```"
companyDescription:
type: string
default: ''
example: An Insurance company...
description: "Some description of company\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
taxIdNumber:
type: string
default: ''
example: '12155154'
description: "Registered tax identifixation number for company\n - ``` /^[A-Za-z0-9+-]+$/ ```\n \n Shouldn't match:\n - ```/^[a-z]+$/i```\n\n - ```/^[\\W_]+$/```"
bankName:
type: string
default: ''
example: DBS Bank
description: "Bank name where company account is.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
bankAccountNumber:
type: number
default: ''
example: 7818154515215451
description: Account number of company account.
bankSwiftCode:
type: string
example: '78948142'
default: ''
description: "Bank Swift code.\n - ``` /^[A-Za-z0-9]+$/ ```\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
bankAccountName:
type: string
default: ''
example: HEALTHIFY INC.
description: "Bank Account Name.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
bankAddress:
type: string
example: 78 South Region, Singapore
default: ''
description: "Bank Address.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
intermediaryBankName:
type: string
default: ''
example: DBS Bank
description: "Intermediary Bank Name where company account is.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
intermediaryBankSWIFTCode:
type: string
default: ''
example: '78948142'
description: "Intermediary Bank Swift code.\n - ``` /^[A-Za-z0-9]+$/ ```\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
wireRemittanceRouteNumber:
type: number
default: ''
example: 074000078
description: "Wire Remittance Route Number.\n - ```<= 20 characters```\n - ``` /^\\d+$/```"
achRoutingNumber:
type: number
default: ''
example: 074000078
description: "ACH Routing Number.\n - ```<= 20 characters```\n - ``` /^\\d+$/```"
files:
description: Customer KYC Documents
type: array
items:
type: string
format: binary
applicationId:
type: string
default: ''
example: d8eb1219-gg24-4773-97d8-b05264621e60
description: Application Id
businessId:
type: string
default: ''
example: d8eb1219-gg24-4773-97d8-b05264621e60
description: Business Id
required:
- applicationId
- businessId
DirectorKYC:
type: object
properties:
applicationId:
type: string
default: string
description: Id of the application
businessId:
type: string
default: string
description: Id of the business
directorId:
type: string
default: string
description: Id of the director
required:
- applicationId
- businessId
- directorId
InternalErrorResponse:
type: object
properties:
statusCode:
type: number
default: 500
description: The HTTP status code of the error
error:
type: string
default: string
description: Human-readable generic error message
errorCode:
type: string
default: E_INTERNAL_ERROR
description: Computer-readable code for error handling
message:
type: string
default: string
description: Human-readable error message containing all available details about how the error occurred
success:
type: boolean
default: false
description: A boolean indicating whether this was a success response or an error response
required:
- statusCode
- error
- errorCode
- message
- success
KycDetailsBusinessResponse:
type: object
properties:
createdAt:
type: string
default: '2025-01-08T05:12:18.005Z'
description: Created Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
updatedAt:
type: string
default: '2025-01-08T05:12:18.005Z'
description: Updated Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
businessId:
type: string
default: string
description: Id of the business
customerReferenceNo:
type: string
default: string
description: Customer reference number
customerName:
type: string
default: string
description: Customer or a Company's Full Name.
customerEmail:
type: string
default: string
description: Email address of Customer/company which is used for login to B2B PayLater portal.
mobileNo:
type: string
default: string
description: Company/Customer's Mobile number along with country code.
taxIdentificationNo:
type: string
default: string
description: Registered tax identifixation number for company
companyRegistrationNo:
type: string
default: string
description: Registration number with which company is registered.
companyRegistrationDate:
type: string
default: string
description: Company Registration Date is a date at which company is registered.
companyDescription:
type: string
default: string
description: Some description of company
incorporationCountry:
type: string
default: string
description: Country of incorporation for company.
industry:
type: string
default: string
description: Industry indicates the type of activity in which company is involved. For eg. Travel, Media, Manufacuring etc
country:
type: string
default: string
description: Country in which company is located.
zipCode:
type: string
default: string
description: ZipCode/PinCode for address.
state:
type: string
default: string
description: State in which company is located.
district:
type: string
default: string
description: District in which company is located.
city:
type: string
default: string
description: City in which company is located.
area:
type: string
default: string
description: Area in which company is located.
street:
type: string
default: string
description: Street in which company is located.
bankName:
type: string
default: string
description: Bank name where company account is.
bankAccountNumber:
type: string
default: string
description: Account number of company account.
bankAccountName:
type: string
default: string
description: Bank Account Name.
bankSwiftCode:
type: string
default: string
description: Bank Swift code.
bankAddress:
type: string
default: string
description: Bank Address.
documents:
type: array
items:
$ref: '#/components/schemas/KycDetailsDocumentsResponse'
directors:
type: array
items:
$ref: '#/components/schemas/KycDetailsDirectorResponse'
required:
- createdAt
- updatedAt
- businessId
- customerReferenceNo
- customerName
- customerEmail
- mobileNo
- taxIdentificationNo
- companyRegistrationNo
- companyRegistrationDate
- companyDescription
- incorporationCountry
- industry
- country
- zipCode
- state
- district
- city
- area
- street
- bankName
- bankAccountNumber
- bankAccountName
- bankSwiftCode
- bankAddress
- documents
- directors
AddDirectorKycDTO:
type: object
properties:
directorName:
type: string
default: ''
example: Marques Brownlee
description: "Name of the director.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
personalIdentificationNumber:
type: string
default: ''
example: B88964115515A
description: "Personal identification number.\n - ``` /^[A-Za-z0-9+-]+$/ ```\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
shareholding:
type: string
description: The amount of shares that director owns in a company or business
example: '10'
email:
type: string
example: m.brownlee@healthify.com
default: ''
description: Email address of director.
address:
type: string
default: ''
example: 45 West Region, Singpoare
description: "Address of director.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
zipCode:
type: string
default: ''
example: '79581'
description: "ZipCode/PinCode for address.\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
state:
type: string
example: Central Region
default: ''
description: "State of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
district:
type: string
example: Bedok
default: ''
description: "District of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
city:
type: string
example: Downtown
default: ''
description: "City of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
area:
type: string
example: PC garden
default: ''
description: "Area of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
street:
type: string
example: SD School St
default: ''
description: "Street in which director is located.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
phone:
type: string
default: ''
example: '+6545457414'
description: "Contact phone number of director.\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
country:
type: string
default: ''
example: Singapore
description: "Country of director.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
files:
description: Director KYC Documents
type: array
items:
type: string
format: binary
status:
type: string
description: Director Status
example: active
enum:
- active
- inactive
applicationId:
type: string
default: ''
example: d8eb1219-gg24-4773-97d8-b05264621e60
description: Application Id
businessId:
type: string
default: ''
example: d8eb1219-gg24-4773-97d8-b05264621e60
description: Business Id
required:
- directorName
- personalIdentificationNumber
- shareholding
- email
- address
- zipCode
- state
- phone
- country
- status
- applicationId
- businessId
CustomerKYCResponse:
type: object
properties:
statusCode:
type: number
default: 200
description: The HTTP status code of the error
data:
description: Response Data from the operation
allOf:
- $ref: '#/components/schemas/CustomerKYC'
message:
type: string
default: Success
description: Human-readable message containing all available details about the operation
success:
type: boolean
default: true
description: A boolean indicating whether this was a success response or an error response
required:
- statusCode
- data
- message
- success
UpdateDirectorKycDTO:
type: object
properties:
directorName:
type: string
default: ''
example: Marques Brownlee
description: "Name of the director.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
personalIdentificationNumber:
type: string
example: B88964115515A
description: "Personal identification number.\n - ``` /^[A-Za-z0-9+-]+$/ ```\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
shareholding:
type: string
description: The amount of shares that director owns in a company or business
example: '10'
email:
type: string
example: m.brownlee@healthify.com
default: ''
description: Email address of director.
address:
type: string
default: ''
example: 45 West Region, Singpoare
description: "Address of director.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
zipCode:
type: string
default: ''
example: '79581'
description: "ZipCode/PinCode for address.\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
state:
type: string
example: Central Region
default: ''
description: "State of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
district:
type: string
example: Bedok
default: ''
description: "District of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
city:
type: string
example: Downtown
default: ''
description: "City of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
area:
type: string
example: PC garden
default: ''
description: "Area of the director\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
street:
type: string
example: SD School St
default: ''
description: "Street in which director is located\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
phone:
type: string
default: ''
example: '+6545457414'
description: "Contact phone number of director.\n \n Shouldn't match:\n - ```/^[\\W_]+$/```"
country:
type: string
default: ''
example: Singapore
description: "Country of director.\n \n Shouldn't match:\n - ```/^\\d+$/```\n\n - ```/^[\\W_]+$/```"
files:
description: Director KYC Documents
type: array
items:
type: string
format: binary
status:
type: string
# --- truncated at 32 KB (66 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/credilinqai/refs/heads/main/openapi/credilinqai-kyc-api-openapi.yml