Account Opening

Onboarding opens your account. It’s done in the app, once per account. The API can follow its progress but can’t fill it in.

Choose an account type

Individual: an account in your own name.
Business: an account for a company. You’ll also list its owners.

What we ask for

Individual

Step	What you give us
Personal details	Name, date of birth, phone number and citizenship. US residents also give their SSN; residents of other countries give their tax ID.
Upload documents	A photo of your government ID (front, and back for a driver’s license or state ID), and, if you live outside the US, a proof of address such as a utility bill or bank statement. They go to Erebor, our bank.
Identity verification	A short selfie check in your browser, matched against your ID. Erebor, our bank, reviews it with your documents.
Address	Where you live.
Additional information	Employment, income, occupation, where your money comes from and what the account is for.

Business

Step	What you give us
Upload documents	The company’s formation documents.
Business details	Legal name, entity type, industry, EIN and year of incorporation.
Incorporation address	Where the company is registered.
Operating address	Where it does business.
Additional information	Expected monthly volume. Where its money comes from and what the account is for are optional.
Beneficial owners	Everyone who owns a significant share, and the person who controls the company.

After you submit

Our bank, Erebor, verifies your identity (KYC) and opens your deposit account on approval. Most decisions are quick; some go to a person for review and take longer. You don’t need to keep the app open: we email you when the account is ready, or if it can’t be opened. Once Erebor clears your identity and opens the deposit account, we set up your wallet and holdings ledger. Then the account is active.

Onboarding status

GET /api/onboarding/status · scope read Where the account is in onboarding. Money can move once status is active. 404 if onboarding hasn’t started.

Field	Type	Description
`status`	string	`created`, `kyc_submitted`, `kyc_in_review`, `kyc_approved`, `kyc_rejected`, `bank_account_provisioned`, `wallet_provisioned`, `ledger_registered`, `active` or `provisioning_failed`.
`application_status`	string \| null	Erebor’s review of the application: `submitted`, `under_review`, `approved` or `rejected`; `null` before submission.
`failure_reason`	string \| null	Why onboarding failed, when it did.
`email`	string \| null	The account’s email.
`wallet_address`	string \| null	The account’s wallet, once provisioned.
`updated_at`	integer	Last change, Unix milliseconds.

curl "$CAPITALAI_API_URL/api/onboarding/status" \
  -H "Authorization: Bearer $CAPITALAI_API_KEY"

const res = await fetch(`${process.env.CAPITALAI_API_URL}/api/onboarding/status`, {
  headers: { Authorization: `Bearer ${process.env.CAPITALAI_API_KEY}` },
});
console.log(await res.json());

{
  "status": "kyc_in_review",
  "application_status": "under_review",
  "failure_reason": null,
  "email": "applicant@example.com",
  "wallet_address": null,
  "updated_at": 1791820800000
}

status moves forward through these stages. You may not see every one; some pass in seconds.

`status`	Meaning
`created`	Onboarding started, not yet submitted.
`kyc_submitted`	Submitted to Erebor.
`kyc_in_review`	Erebor is verifying your identity.
`kyc_approved`	Erebor cleared your identity. We’re linking your deposit account.
`bank_account_provisioned`	Deposit account open. We’re setting up your wallet.
`wallet_provisioned`	Wallet set up.
`ledger_registered`	Holdings ledger set up.
`active`	Done. Money can move.
`kyc_rejected`	Erebor declined your identity verification.
`provisioning_failed`	KYC passed but we couldn’t finish opening the account. `failure_reason` says why. Contact support.

To wait for the account to open, poll every minute or so until status is active, kyc_rejected or provisioning_failed.

Once status is active: fund your account.

Introduction

Using the App

Compute

Accounts

Funding

Choose an account type

What we ask for

Individual

Business

After you submit

Onboarding status

Next

​Choose an account type

​What we ask for

​Individual

​Business

​After you submit

​Onboarding status

​Next

Choose an account type

What we ask for

Individual

Business

After you submit

Onboarding status

Next