USD virtual account endorsements

Choose a USD virtual-account endorsement from the channels available to the account, then complete the returned submission requirements.

Check supported USD routes

Availability depends on the account’s permissions and supported country configuration. Do not choose an endorsement based only on whether an applicant or business is US-based.

Before requesting an endorsement, retrieve the account’s channels and identify the USD virtual-account configuration available for the specific country and account.

GET /v1/channels

curl "https://api.due.network/v1/channels" \
  -H "Authorization: Bearer <API_KEY>" \
  -H "Due-Account-Id: <ACCOUNT_ID>"

Use the returned channel permissions and configuration as the source of truth for whether a USD route is available and which endorsement it requires.

USD endorsement routes

The available USD routes include the following endorsements. The route returned through GET /v1/channels determines which one you can request.

Endorsement	Partner configuration	Typical use
`usd_pr_bank_individual_v1`	`node_zenus`	Individual USD virtual-account route
`usd_pr_bank_business_v1`	`node_zenus`	Business USD virtual-account route
`usd_bank_erebor_v1`	`node_erebor_due_technologies_inc`	USD virtual-account route for eligible US residents or US businesses

The submission returned for an endorsement is the source of truth for its information fields, documents, agreements, questionnaires, and related-applicant requirements.

Request the endorsement

Request the endorsement required by the available USD channel, using the account ID in the Due-Account-Id header.

POST /v1/kyc/endorsements/{code}

For example:

curl --request POST \
  --url https://api.due.network/v1/kyc/endorsements/usd_pr_bank_business_v1 \
  --header 'Authorization: Bearer <API_KEY>' \
  --header 'Due-Account-Id: <ACCOUNT_ID>'

Puerto Rico bank: individual route

usd_pr_bank_individual_v1 requires the following individual information.

Field	Type	Description
`nationality`	`iso3166_1_alpha2`	Nationality as a two-letter ISO country code.
`address.country`	`iso3166_1_alpha2`	Country in the residential address.
`address.postCode`	`swift_x`	Postal code.
`address.town`	`swift_x`	Town or city.
`address.street`	`swift_x`	Street address.
`address.state`	`iso3166_2`	State or region in ISO 3166-2 format.

Puerto Rico bank: business route

usd_pr_bank_business_v1 references usd_pr_bank_individual_v1. Review the returned submission to determine requirements for related applicants.

Provide company information

Field	Type
`companyName`	`string`
`registrationNumber`	`string`
`registrationDate`	`date`
`taxId`	`string`
`address.country`	`iso3166_1_alpha2`
`address.postCode`	`swift_x`
`address.town`	`swift_x`
`address.street`	`swift_x`
`address.state`	`iso3166_2`

Upload required documents

Requirement category	Accepted document type	What to submit
`COMPANY_DETAILS`	`INCORPORATION_CERT`	Certificate of incorporation.
`COMPANY_CONTROL_STRUCTURE`	`DIRECTORS_REGISTRY`	Directors registry.
`COMPANY_AUTHORIZATION`	`CORPORATE_RESOLUTION`	Corporate resolution authorising the account or action. Use this corporate resolution template if needed.
`TAX_REGISTRATION`	`COMPANY_FISCAL_REG_CERT`	Official fiscal or tax registration certificate.
`TAX_COMPLIANCE`	`FATCA`	FATCA tax-compliance form. Use the W-8 form or W-9 form when required by the submission.
`FINANCIAL_STATEMENTS`	`FINANCIAL_STATEMENTS`	Relevant company financial statements.
`PROOF_OF_ADDRESS`	`PROOF_OF_ADDRESS`	Proof of the company’s address.
`SOURCE_OF_FUNDS`	`SOURCE_OF_FUNDS`	Documentation supporting the company’s source of funds.
`TAX_IDENTIFICATION`	`TAX_ID_NUMBER`	Document showing the company tax ID number.

The submission requires at least one UBO and one director, with beneficiaries representing a combined minimum share of 1.

Erebor route

usd_bank_erebor_v1 references usd_bank_erebor_ubo_v1. Follow the returned submission requirements for related UBOs.

Individual requirements

Provide nationality, phone number, email address, and residential address. The submission requires ssn when residenceCountry is US.

It also includes:

An electronic-signature consent agreement.
An Erebor deposit-account agreement and related disclosures.
The ereborBankQs questionnaire for employment status (full_time, part_time, or unemployed) and annual income in USD.

Business requirements

Provide companyName, registrationNumber, registrationDate, and taxId. Upload an INCORPORATION_CERT for COMPANY_DETAILS and a TAX_ID_NUMBER for TAX_IDENTIFICATION.

Accept the Erebor deposit-account agreement and related disclosures returned in the submission.

Complete the endorsement submission

Retrieve the returned submission and inspect its requirements.
Provide every required information field.
Upload documents for each required document category.
Answer all required questionnaires.
Accept all agreements included in the submission.
Complete the submission.

See Individual KYC process for standard submission endpoints and request formats.

Wait for approval

Subscribe to endorsement.status_changed and create the USD virtual account only after the selected endorsement is approved.

{
  "events": ["endorsement.status_changed"]
}

Retrieve an endorsement when needed:

GET /v1/kyc/endorsements/{code}