Country Support

Overview

Kira supports user creation and identity verification (KYC/KYB) for 222 countries worldwide. 21 countries are restricted due to international sanctions.

This guide covers:

Which countries are supported and which are restricted
How the system determines what fields to require based on the user's country
What document type and tax ID to use for each country
Complete example payloads

Audience: This guide is for developers integrating with the Kira API and for business/product teams who need to understand country coverage.

How Country Categories Work

When you create a user, the address_country field determines which category they fall into. There are only two categories:

`address_country` value	Category	What changes
`USA`	USA	Requires SSN (individual) or EIN + representative SSN (business). Does NOT require `expected_monthly_payments`.
Any other supported code	International	Requires `tax_id` and `expected_monthly_payments`. Does NOT require SSN/EIN.

All country codes use the ISO 3166-1 alpha-3 format (3-letter codes). For example: USA, MEX, GBR, BRA, NGA.

Key insight: From an API perspective, a user from Mexico, Nigeria, Japan, and Germany are all treated the same way — they all fall under the "International" category with the same required fields. The only country with different requirements is USA.

For complete field descriptions, required fields, payload structures, and identifying_information examples, see the User Management guide.

Supported Countries

The following 222 countries are supported for user creation. They are organized by region.

Table columns:

Code — The ISO 3166-1 alpha-3 code to use in address_country, nationality, document_country, and issuing_country fields
Country — Country name (for reference)
Recommended Doc Type — The document_type value to send. passport works for all countries, but the recommended type is the most commonly used local ID
Tax ID type — The type value to send in identifying_information for the tax entry. Always tax_id for international, ssn/ein for USA
Local Tax ID Name — What the tax identifier is called locally. This is informational — put the local tax ID value in the number field (not in type)

North America

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
CAN	Canada	passport	tax_id	SIN (Individual) / BN (Business)
MEX	Mexico	national_id	tax_id	RFC (Individual) / RFC (Business)
SPM	Saint Pierre and Miquelon	national_id	tax_id	NIF
USA	United States	passport	ssn / ein	SSN (Individual) / EIN (Business)

Caribbean

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
ABW	Aruba	national_id	tax_id	Tax ID
AIA	Anguilla	passport	tax_id	Tax ID
ATG	Antigua and Barbuda	passport	tax_id	TIN
BES	Bonaire, Sint Eustatius and Saba	passport	tax_id	Tax ID
BHS	Bahamas	passport	tax_id	TIN
BMU	Bermuda	passport	tax_id	Tax ID
BRB	Barbados	national_id	tax_id	TIN
CUW	Curacao	national_id	tax_id	Tax ID
CYM	Cayman Islands	passport	tax_id	Tax ID
DMA	Dominica	passport	tax_id	TIN
DOM	Dominican Republic	national_id	tax_id	RNC
GLP	Guadeloupe	national_id	tax_id	NIF
GRD	Grenada	passport	tax_id	TIN
HTI	Haiti	passport	tax_id	NIF
JAM	Jamaica	passport	tax_id	TRN
KNA	Saint Kitts and Nevis	passport	tax_id	TIN
LCA	Saint Lucia	passport	tax_id	TIN
MAF	Saint Martin	national_id	tax_id	NIF
MSR	Montserrat	passport	tax_id	Tax ID
MTQ	Martinique	national_id	tax_id	NIF
PRI	Puerto Rico	national_id	tax_id	SSN
SXM	Sint Maarten	national_id	tax_id	Tax ID
TCA	Turks and Caicos Islands	passport	tax_id	Tax ID
TTO	Trinidad and Tobago	national_id	tax_id	BIR Number
VCT	Saint Vincent and the Grenadines	passport	tax_id	TIN
VGB	British Virgin Islands	passport	tax_id	Tax ID
VIR	U.S. Virgin Islands	national_id	tax_id	SSN

Central America

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
BLZ	Belize	passport	tax_id	TIN
CRI	Costa Rica	national_id	tax_id	Cedula / Cedula Juridica
GTM	Guatemala	national_id	tax_id	NIT
HND	Honduras	national_id	tax_id	RTN
NIC	Nicaragua	national_id	tax_id	RUC
PAN	Panama	national_id	tax_id	RUC
SLV	El Salvador	national_id	tax_id	NIT

South America

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
ARG	Argentina	national_id	tax_id	CUIT
BOL	Bolivia	national_id	tax_id	NIT
BRA	Brazil	national_id	tax_id	CPF (Individual) / CNPJ (Business)
CHL	Chile	national_id	tax_id	RUT
COL	Colombia	national_id	tax_id	NUIP (Individual) / NIT (Business)
ECU	Ecuador	national_id	tax_id	RUC
GUF	French Guiana	national_id	tax_id	NIF
GUY	Guyana	passport	tax_id	TIN
PER	Peru	national_id	tax_id	RUC
PRY	Paraguay	national_id	tax_id	RUC
SUR	Suriname	national_id	tax_id	Tax ID
URY	Uruguay	national_id	tax_id	RUT

Europe

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
ALA	Aland Islands	passport	tax_id	HETU
ALB	Albania	national_id	tax_id	NIPT
AND	Andorra	passport	tax_id	NRT
AUT	Austria	national_id	tax_id	Steuernummer
BEL	Belgium	national_id	tax_id	NN
BGR	Bulgaria	national_id	tax_id	EGN
BIH	Bosnia and Herzegovina	national_id	tax_id	JMBG
BLM	Saint Barthelemy	national_id	tax_id	NIF
CHE	Switzerland	national_id	tax_id	AHV
CYP	Cyprus	national_id	tax_id	TIC
CZE	Czech Republic	national_id	tax_id	RC
DEU	Germany	national_id	tax_id	Steuer-IdNr
DNK	Denmark	national_id	tax_id	CPR
ESP	Spain	national_id	tax_id	NIF
EST	Estonia	national_id	tax_id	Isikukood
FIN	Finland	national_id	tax_id	HETU
FRA	France	national_id	tax_id	NIF
FRO	Faroe Islands	passport	tax_id	P-tal
GBR	United Kingdom	passport	tax_id	NIN
GEO	Georgia	national_id	tax_id	Personal Number
GGY	Guernsey	passport	tax_id	Tax ID
GIB	Gibraltar	national_id	tax_id	Tax ID
GRC	Greece	national_id	tax_id	AFM
GRL	Greenland	passport	tax_id	CPR
HRV	Croatia	national_id	tax_id	OIB
HUN	Hungary	national_id	tax_id	Adoazonosito jel
IMN	Isle of Man	passport	tax_id	Tax ID
IRL	Ireland	passport	tax_id	PPS Number
ISL	Iceland	national_id	tax_id	Kennitala
ITA	Italy	national_id	tax_id	Codice Fiscale
JEY	Jersey	passport	tax_id	Tax ID
LIE	Liechtenstein	national_id	tax_id	PEID
LTU	Lithuania	national_id	tax_id	Asmens kodas
LUX	Luxembourg	national_id	tax_id	Matricule
LVA	Latvia	national_id	tax_id	Personas kods
MCO	Monaco	national_id	tax_id	NIF
MDA	Moldova	national_id	tax_id	IDNP
MKD	North Macedonia	national_id	tax_id	EMBG
MLT	Malta	national_id	tax_id	ID Card Number
MNE	Montenegro	national_id	tax_id	JMBG
NLD	Netherlands	national_id	tax_id	BSN
NOR	Norway	national_id	tax_id	Fodselsnummer
POL	Poland	national_id	tax_id	PESEL
PRT	Portugal	national_id	tax_id	NIF
ROU	Romania	national_id	tax_id	CNP
SJM	Svalbard and Jan Mayen	passport	tax_id	Fodselsnummer
SMR	San Marino	national_id	tax_id	COE
SRB	Serbia	national_id	tax_id	JMBG
SVK	Slovakia	national_id	tax_id	RC
SVN	Slovenia	national_id	tax_id	EMSO
SWE	Sweden	national_id	tax_id	Personnummer
VAT	Vatican City	passport	tax_id	Tax ID
XKK	Kosovo	national_id	tax_id	Personal Number

Middle East

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
ARE	United Arab Emirates	national_id	tax_id	TRN
BHR	Bahrain	national_id	tax_id	CPR
ISR	Israel	national_id	tax_id	Mispar Zehut
JOR	Jordan	national_id	tax_id	National Number
KWT	Kuwait	national_id	tax_id	Civil ID
LBN	Lebanon	national_id	tax_id	Tax ID
OMN	Oman	national_id	tax_id	Civil ID
PSE	Palestine	national_id	tax_id	Tax ID
QAT	Qatar	national_id	tax_id	QID
TUR	Turkey	national_id	tax_id	TC Kimlik No

Central Asia

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
ARM	Armenia	passport	tax_id	SSN
AZE	Azerbaijan	national_id	tax_id	FIN
KAZ	Kazakhstan	national_id	tax_id	IIN
KGZ	Kyrgyzstan	passport	tax_id	INN
TJK	Tajikistan	passport	tax_id	INN
TKM	Turkmenistan	passport	tax_id	Tax ID
UZB	Uzbekistan	passport	tax_id	INN

South Asia

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
BGD	Bangladesh	national_id	tax_id	NID
BTN	Bhutan	national_id	tax_id	CID
IND	India	national_id	tax_id	PAN
LKA	Sri Lanka	national_id	tax_id	NIC
MDV	Maldives	national_id	tax_id	National ID
NPL	Nepal	national_id	tax_id	PAN
PAK	Pakistan	national_id	tax_id	CNIC

East Asia

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
CHN	China	national_id	tax_id	Shenfenzheng Hao
HKG	Hong Kong	national_id	tax_id	HKID
JPN	Japan	national_id	tax_id	My Number
KOR	South Korea	national_id	tax_id	RRN
MAC	Macau	national_id	tax_id	BIR
MNG	Mongolia	national_id	tax_id	Register Number
TWN	Taiwan	national_id	tax_id	ID Number

Southeast Asia

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
BRN	Brunei	national_id	tax_id	IC Number
IDN	Indonesia	national_id	tax_id	NIK
KHM	Cambodia	passport	tax_id	Tax ID
LAO	Laos	passport	tax_id	Tax ID
MYS	Malaysia	national_id	tax_id	MyKad
PHL	Philippines	national_id	tax_id	TIN
SGP	Singapore	national_id	tax_id	NRIC
THA	Thailand	national_id	tax_id	ID Card Number
TLS	Timor-Leste	passport	tax_id	Tax ID
VNM	Vietnam	national_id	tax_id	CCCD

North Africa

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
DZA	Algeria	national_id	tax_id	NIN
EGY	Egypt	national_id	tax_id	National ID
ESH	Western Sahara	national_id	tax_id	CIN
MAR	Morocco	national_id	tax_id	CIN
TUN	Tunisia	national_id	tax_id	CIN

West Africa

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
BEN	Benin	passport	tax_id	IFU
BFA	Burkina Faso	national_id	tax_id	IFU
CMR	Cameroon	national_id	tax_id	CNI
COG	Republic of the Congo	national_id	tax_id	NIF
COM	Comoros	passport	tax_id	Tax ID
CPV	Cape Verde	national_id	tax_id	NIF
GAB	Gabon	national_id	tax_id	NIF
GHA	Ghana	national_id	tax_id	TIN
GIN	Guinea	passport	tax_id	NIF
GMB	Gambia	national_id	tax_id	TIN
GNB	Guinea-Bissau	passport	tax_id	NIF
GNQ	Equatorial Guinea	passport	tax_id	NIF
MLI	Mali	national_id	tax_id	NIF
MRT	Mauritania	national_id	tax_id	NIF
NER	Niger	national_id	tax_id	NIF
NGA	Nigeria	national_id	tax_id	NIN
SEN	Senegal	national_id	tax_id	NINEA
SLE	Sierra Leone	passport	tax_id	TIN
STP	Sao Tome and Principe	passport	tax_id	NIF
TCD	Chad	national_id	tax_id	NIF
TGO	Togo	national_id	tax_id	NIF

Central Africa

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
AGO	Angola	national_id	tax_id	NIF

East Africa

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
BDI	Burundi	national_id	tax_id	NIF
DJI	Djibouti	national_id	tax_id	NIF
ERI	Eritrea	national_id	tax_id	Tax ID
ETH	Ethiopia	national_id	tax_id	TIN
KEN	Kenya	national_id	tax_id	KRA PIN
MDG	Madagascar	national_id	tax_id	NIF
MOZ	Mozambique	national_id	tax_id	NUIT
MUS	Mauritius	national_id	tax_id	NIC
MWI	Malawi	national_id	tax_id	TPIN
MYT	Mayotte	national_id	tax_id	NIF
NAM	Namibia	national_id	tax_id	TIN
REU	Reunion	national_id	tax_id	NIF
RWA	Rwanda	national_id	tax_id	TIN
SHN	Saint Helena	passport	tax_id	Tax ID
SSD	South Sudan	passport	tax_id	Tax ID
SWZ	Eswatini	national_id	tax_id	TIN
SYC	Seychelles	national_id	tax_id	NIN
TZA	Tanzania	national_id	tax_id	TIN
UGA	Uganda	national_id	tax_id	TIN
ZAF	South Africa	national_id	tax_id	SA ID
ZMB	Zambia	national_id	tax_id	TPIN

Southern Africa

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
BWA	Botswana	national_id	tax_id	TIN
LSO	Lesotho	national_id	tax_id	TIN

Oceania

Code	Country	Recommended Doc Type	Tax ID `type`	Local Tax ID Name
ASM	American Samoa	passport	tax_id	SSN
AUS	Australia	passport	tax_id	TFN
CCK	Cocos (Keeling) Islands	passport	tax_id	TFN
COK	Cook Islands	passport	tax_id	Tax ID
CXR	Christmas Island	passport	tax_id	TFN
FJI	Fiji	passport	tax_id	TIN
FLK	Falkland Islands	passport	tax_id	Tax ID
FSM	Micronesia	passport	tax_id	SSN
GUM	Guam	passport	tax_id	SSN
KIR	Kiribati	passport	tax_id	Tax ID
MHL	Marshall Islands	passport	tax_id	SSN
MNP	Northern Mariana Islands	passport	tax_id	SSN
NCL	New Caledonia	national_id	tax_id	RIDET
NFK	Norfolk Island	passport	tax_id	TFN
NIU	Niue	passport	tax_id	Tax ID
NRU	Nauru	passport	tax_id	Tax ID
NZL	New Zealand	passport	tax_id	IRD Number
PCN	Pitcairn Islands	passport	tax_id	Tax ID
PLW	Palau	passport	tax_id	SSN
PNG	Papua New Guinea	passport	tax_id	TIN
PYF	French Polynesia	national_id	tax_id	NIF
SLB	Solomon Islands	passport	tax_id	TIN
TKL	Tokelau	passport	tax_id	Tax ID
TON	Tonga	passport	tax_id	TIN
TUV	Tuvalu	passport	tax_id	Tax ID
VUT	Vanuatu	passport	tax_id	TIN
WLF	Wallis and Futuna	passport	tax_id	Tax ID
WSM	Samoa	passport	tax_id	TIN

Provider Limitations

While all 222 countries above are supported for user creation via the API, some territories may not be fully supported by the KYC/KYB verification provider. User creation will succeed, but identity verification may fail at the provider level for these countries.

Known unsupported countries:

Code	Country	Impact
BES	Bonaire, Sint Eustatius and Saba	KYC and KYB verification submissions are rejected (`Unknown country_code`)

This list was validated via E2E testing against the provider sandbox (March 2026). If you encounter similar errors for other countries, please report them so this list can be updated.

Restricted Countries

The following 21 countries are restricted due to international sanctions. Users from these countries cannot access products like USA Virtual Accounts. The API will still create the user, but they will not be eligible for any product.

Code	Country
AFG	Afghanistan
BLR	Belarus
CAF	Central African Republic
CIV	Cote d'Ivoire
COD	Democratic Republic of the Congo
CUB	Cuba
IRN	Iran
IRQ	Iraq
LBR	Liberia
LBY	Libya
MMR	Myanmar
PRK	North Korea
RUS	Russia
SAU	Saudi Arabia
SDN	Sudan
SOM	Somalia
SYR	Syria
UKR	Ukraine
VEN	Venezuela
YEM	Yemen
ZWE	Zimbabwe

Complete Example Payloads

The following examples show complete POST /v1/users request bodies with all fields needed to trigger automatic verification.

Note: The base64 strings below are minimal valid files for testing. Replace with actual document images in production.

Document types: Only front and file_proof_of_address are required to trigger verification. However, sending all four documents (front, back, selfie, file_proof_of_address) is strongly recommended — the verification provider uses them for facial matching and document authenticity checks, which significantly improves approval rates.

USA Individual

{
  "type": "individual",
  "first_name": "John",
  "last_name": "Doe",
  "birth_date": "1990-01-15",
  "email": "[email protected]",
  "phone": "+12125551234",
  "nationality": "USA",
  "gender": "male",

  "address_street": "123 Main Street",
  "address_city": "New York",
  "address_state": "New York",
  "address_zip_code": "10001",
  "address_country": "USA",

  "document_type": "passport",
  "document_number": "987654321",
  "document_country": "USA",

  "source_of_funds": "salary",
  "account_purpose": "manage_personal_funds",
  "employment_status": "employed",
  "occupation": "Software Engineer",
  "pep_status": false,

  "identifying_information": [
    {
      "type": "passport",
      "issuing_country": "USA",
      "number": "987654321",
      "documents": [
        { "type": "front", "file": "data:image/jpeg;base64,..." },
        { "type": "back", "file": "data:image/jpeg;base64,..." },
        { "type": "selfie", "file": "data:image/jpeg;base64,..." },
        { "type": "file_proof_of_address", "file": "data:image/jpeg;base64,..." }
      ]
    },
    {
      "type": "ssn",
      "issuing_country": "USA",
      "number": "123-45-6789"
    }
  ]
}

International Individual (Mexico)

Uses tax_id with the local RFC value in number, and national_id document type.

{
  "type": "individual",
  "first_name": "Maria",
  "last_name": "Garcia",
  "birth_date": "1988-05-20",
  "email": "[email protected]",
  "phone": "+525512345678",
  "nationality": "MEX",
  "gender": "female",

  "address_street": "Av. Reforma 222",
  "address_city": "Mexico City",
  "address_state": "Ciudad de Mexico",
  "address_zip_code": "06600",
  "address_country": "MEX",

  "document_type": "national_id",
  "document_number": "1234567890123",
  "document_country": "MEX",

  "source_of_funds": "salary",
  "account_purpose": "make_payments",
  "employment_status": "employed",
  "occupation": "Accountant",
  "expected_monthly_payments": "5000_9999",
  "pep_status": false,

  "identifying_information": [
    {
      "type": "national_id",
      "issuing_country": "MEX",
      "number": "1234567890123",
      "documents": [
        { "type": "front", "file": "data:image/jpeg;base64,..." },
        { "type": "back", "file": "data:image/jpeg;base64,..." },
        { "type": "selfie", "file": "data:image/jpeg;base64,..." },
        { "type": "file_proof_of_address", "file": "data:image/jpeg;base64,..." }
      ]
    },
    {
      "type": "tax_id",
      "issuing_country": "MEX",
      "number": "GARM880520XXX"
    }
  ]
}

International Individual (UK)

Uses passport document type and tax_id with the local NIN value.

{
  "type": "individual",
  "first_name": "James",
  "last_name": "Williams",
  "birth_date": "1987-07-14",
  "email": "[email protected]",
  "phone": "+442072345678",
  "nationality": "GBR",
  "gender": "male",

  "address_street": "10 Downing Street",
  "address_city": "London",
  "address_state": "England",
  "address_zip_code": "SW1A 1AA",
  "address_country": "GBR",

  "document_type": "passport",
  "document_number": "533401572",
  "document_country": "GBR",

  "source_of_funds": "salary",
  "account_purpose": "manage_personal_funds",
  "employment_status": "employed",
  "occupation": "Financial Analyst",
  "expected_monthly_payments": "5000_9999",
  "pep_status": false,

  "identifying_information": [
    {
      "type": "passport",
      "issuing_country": "GBR",
      "number": "533401572",
      "documents": [
        { "type": "front", "file": "data:image/jpeg;base64,..." },
        { "type": "back", "file": "data:image/jpeg;base64,..." },
        { "type": "selfie", "file": "data:image/jpeg;base64,..." },
        { "type": "file_proof_of_address", "file": "data:image/jpeg;base64,..." }
      ]
    },
    {
      "type": "tax_id",
      "issuing_country": "GBR",
      "number": "QQ123456A"
    }
  ]
}

USA Business

{
  "type": "business",
  "business_legal_name": "Acme Technology Inc.",
  "doing_business_as": "Acme",
  "email": "[email protected]",
  "phone": "+12125551234",
  "business_type": "corporation",
  "business_description": "Enterprise SaaS platform",
  "business_industry": ["data_processing_hosting_related_services"],
  "business_website": "https://acmetech.com",

  "formation_date": "2018-03-15",
  "formation_state": "DE",

  "address_street": "100 Broadway",
  "address_city": "New York",
  "address_state": "New York",
  "address_zip_code": "10001",
  "address_country": "USA",

  "document_type": "passport",
  "document_number": "EIN123456789",
  "document_country": "USA",

  "representative_first_name": "Robert",
  "representative_last_name": "Smith",
  "representative_title": "CEO",
  "representative_birth_date": "1975-08-22",
  "representative_ssn": "987-65-4321",

  "source_of_funds": "sales_of_goods_and_services",
  "account_purpose": "receive_payments_for_goods_and_services",
  "pep_status": false,

  "identifying_information": [
    {
      "type": "ein",
      "issuing_country": "USA",
      "number": "12-3456789"
    },
    {
      "type": "business_formation",
      "issuing_country": "USA",
      "documents": [
        { "type": "file_business_formation", "file": "data:application/pdf;base64,..." }
      ]
    },
    {
      "type": "proof_of_address",
      "issuing_country": "USA",
      "documents": [
        { "type": "file_proof_of_address", "file": "data:application/pdf;base64,..." }
      ]
    }
  ],

  "associated_persons": [
    {
      "first_name": "Robert",
      "last_name": "Smith",
      "email": "[email protected]",
      "birth_date": "1975-08-22",
      "title": "CEO",
      "identifying_information": [
        {
          "type": "passport",
          "issuing_country": "USA",
          "number": "123456789",
          "documents": [
            { "type": "front", "file": "data:image/jpeg;base64,..." }
          ]
        }
      ]
    }
  ]
}

International Business (Mexico)

Uses tax_id with the local RFC value in number.

{
  "type": "business",
  "business_legal_name": "Tecnologia Avanzada S.A. de C.V.",
  "doing_business_as": "TecAv",
  "email": "[email protected]",
  "phone": "+525598765432",
  "business_type": "corporation",
  "business_description": "Enterprise software development",
  "business_industry": ["data_processing_hosting_related_services"],
  "business_website": "https://tecavanzada.mx",

  "formation_date": "2015-06-01",
  "formation_state": "Ciudad de Mexico",

  "address_street": "Paseo de la Reforma 505",
  "address_city": "Mexico City",
  "address_state": "Ciudad de Mexico",
  "address_zip_code": "06500",
  "address_country": "MEX",

  "document_type": "national_id",
  "document_number": "TAV150601XXX",
  "document_country": "MEX",

  "representative_first_name": "Carlos",
  "representative_last_name": "Hernandez",
  "representative_title": "Director General",
  "representative_birth_date": "1970-02-14",

  "source_of_funds": "sales_of_goods_and_services",
  "account_purpose": "receive_payments_for_goods_and_services",
  "expected_monthly_payments": "10000_49999",
  "pep_status": false,

  "identifying_information": [
    {
      "type": "tax_id",
      "issuing_country": "MEX",
      "number": "TAV150601XXX"
    },
    {
      "type": "business_formation",
      "issuing_country": "MEX",
      "documents": [
        { "type": "file_business_formation", "file": "data:application/pdf;base64,..." }
      ]
    },
    {
      "type": "proof_of_address",
      "issuing_country": "MEX",
      "documents": [
        { "type": "file_proof_of_address", "file": "data:application/pdf;base64,..." }
      ]
    }
  ],

  "associated_persons": [
    {
      "first_name": "Carlos",
      "last_name": "Hernandez",
      "email": "[email protected]",
      "birth_date": "1970-02-14",
      "title": "Director General",
      "identifying_information": [
        {
          "type": "national_id",
          "issuing_country": "MEX",
          "number": "HERC700214HDFRRL01",
          "documents": [
            { "type": "front", "file": "data:image/jpeg;base64,..." }
          ]
        }
      ]
    }
  ]
}

Quick Reference Decision Tree

Step 1: What is the user's address_country?

USA → Category: USA
Anything else → Category: International

Step 2: What document_type should I use?

Check the "Recommended Doc Type" column in the country tables above
When in doubt, use passport (accepted everywhere)

Step 3: What tax ID type should I send in identifying_information?

USA Individual → ssn (put SSN number in number)
USA Business → ein (put EIN number in number)
ALL other countries (individual and business) → tax_id (put the local tax ID value in number — e.g., RFC for Mexico, CPF for Brazil, NIN for Nigeria)

Step 4: Do I need expected_monthly_payments?

USA → No
International → Yes

Related Guides

User Management — Complete field descriptions, endpoint reference, and response formats
Identity Verification (KYC/KYB) — Verification flows, status transitions, and webhooks
Virtual Accounts — Creating virtual accounts after user verification