Zenus USD virtual account endorsement

Choose the usd_pr_bank_v1 endorsement available to your account, then complete its individual or business submission requirements.

Check the available USD route

Availability depends on your account permissions and country configuration. Retrieve your account's channels and use the returned configuration as the source of truth; do not select an endorsement based only on whether an applicant or business is US-based.

GET /v1/channels

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

For the Zenus USD virtual-account route, request the usd_pr_bank_v1 endorsement when it is available through the returned channel configuration.

Request the endorsement

Request the endorsement using the account ID in the Due-Account-Id header.

POST /v1/kyc/endorsements/{code}

curl --request POST \
  --url https://api.due.network/v1/kyc/endorsements/usd_pr_bank_v1 \
  --header 'Authorization: Bearer <API_KEY>' \
  --header 'Due-Account-Id: <ACCOUNT_ID>'

The returned submission is the source of truth for the information fields, documents, agreements, questionnaires, and related-applicant requirements you must complete.

Individual requirements

Provide the following information for an individual submission.

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.

Upload one document for the ID category. You can submit one of the following:

A PASSPORT.
An ID_CARD with FRONT_SIDE and BACK_SIDE variants.
A DRIVERS licence with FRONT_SIDE and BACK_SIDE variants.

Business requirements

Provide the following company information for a business submission.

Field	Type	Description
`companyName`	`string`	Registered company name.
`registrationNumber`	`string`	Company registration number.
`registrationDate`	`date`	Company registration date.
`taxId`	`string`	Company tax identification number.
`address.country`	`iso3166_1_alpha2`	Country in the registered 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.

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.

Add at least one UBO and one director. Beneficiaries must represent a combined minimum share of 1.

Complete the endorsement submission

Retrieve the returned submission and inspect its requirements.
Provide every required information field.
Upload documents for each required document category.
Add the required related applicants for a business submission.
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 usd_pr_bank_v1 is approved.

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

Retrieve the endorsement when needed:

GET /v1/kyc/endorsements/{code}