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Onboarding

Create User

This API creates a new user account with business and personal details.

POST {{baseUrl}}/roecny/api/v1/user

Description

This endpoint creates a new user account with comprehensive business, personal, and document information.Create a new ROECNY account for your users, merchants, subsidiaries, business partners, or clients. After providing all the necessary information, you can activate the account by submitting it through the 'Submit Account for Activation' endpoint.

Request Headers

ParameterTypeRequiredDescription
x-api-keystringYesShared X-API key provided by Roecny
x-program-idstringYesProgram identifier
x-request-idstringYesIdempotency key
user -idstringYesUser identifier
AuthorizationstringYesBearer token
Content-TypestringYesMust be application/json

Request Body Parameters

ParameterTypeRequiredDescription
Core Fields
emailIdstringYesUser's email address (primary_contact.email)
amountstringYesEstimated monthly revenue amount (account_usage.estimated_monthly_revenue.amount)
currencystringYesRevenue currency (e.g., USD)
businessNamestringYesRegistered business name (business_name)
businessStructurestringYesEntity type (e.g., COMPANY)
contactNumberstringYesBusiness contact number (contact_number)
Identification
identificationTypestringYesID type (e.g., PASSPORT)
IdnumberstringYesID number (identifications.primary.passport.number)
issuingCountryCodestringYesID issuing country (ISO code)
effectiveAtstringYesID issue date (YYYY-MM-DD)
expireAtstringYesID expiry date (YYYY-MM-DD)
Personal Details
firstNamestringYesUser's first name (first_name)
middleNamestringNoUser's middle name (middle_name)
lastNamestringYesUser's last name (last_name)
dateOfBirthstringYesDoB (YYYY-MM-DD) (date_of_birth)
nationalitystringYesNationality (ISO code) (nationality)
mobilestringYesMobile number (primary_contact.mobile)
rolesstring[]YesUser roles (e.g., ["BENEFICIAL_OWNER"])
Business Details
legalEntityTypestringYesEntity type (e.g., BUSINESS)
asTrusteebooleanYesWhether acting as trustee (as_trustee)
agreedToTermsAndConditionsbooleanYesTerms acceptance (customer_agreements.agreed_to_terms_and_conditions)
agreedToDataUsagebooleanYesData consent (customer_agreements.agreed_to_data_usage)
productReferencestring[]YesUse cases (e.g., ["ACCEPT_ONLINE_PAYMENTS"])
typestringYesBusiness ID type (e.g., BRN)
numberstringYesBusiness registration number (business_identifiers.number)
descriptionOfGoodsOrServicesstringYesDescription of services (description_of_goods_or_services)
industryCategoryCodestringYesIndustry code (e.g., ICCV3_0000XX)
operatingCountrystring[]YesOperating countries (e.g., ["US", "SG"])
Addresses
registrationAddressLine1stringYesBusiness address line 1
registrationAddressLine2stringNoBusiness address line 2
registrationCountryCodestringYesBusiness country (ISO code)
registrationPostcodestringYesBusiness postal code
registrationStatestringYesBusiness state/province
registrationSuburbstringYesBusiness locality
residentialAddressLine1stringYesUser's residential address line 1
residentialCountryCodestringYesResidential country (ISO code)
residentialPostcodestringYesResidential postal code
residentialStatestringYesResidential state/province
residentialSuburbstringYesResidential locality
Documents
fileIdstringYesBusiness doc file ID (business_documents.file_id)
tagstringYesBusiness doc type (e.g., BUSINESS_LICENSE)
frontFileIdstringYesID front file (identifications.primary.passport.front_file_id)
personDocumentsFileIdstringYesPerson doc file ID (business_person_documents.file_id)
personDocumentsTagstringYesPerson doc type (e.g., PERSON_PURPORTING_TO_ACT_AUTHORISATION_LETTER)
liveSelfieFileIdstringYesSelfie file ID (missing in cURL)
countryCodestringYesBusiness registration country (business_identifiers.country_code)

Request Example

curl --request POST \
--url {{baseUrl}}/roecny/api/v1/user \
--header 'x-api-key: {{Shared Xapikey By Roecny}}' \
--header 'x-program-id: {{BasedOnRequirement}}' \
--header 'x-request-id: {{IdempotencyKey}}' \
--header 'x-user-id:{{Useridentificationkey}}'\
--header 'Authorization: Bearer {{YOUR_TOKEN}}' \
--data-raw '{

"account_details": {
"business_details": {
"account_usage": {
"estimated_monthly_revenue": {
"amount": "50",
"currency": "USD"
},
"product_reference": [
"ACCEPT_ONLINE_PAYMENTS",
"RECEIVE_TRANSFERS"
]
},
"as_trustee": true,
"attachments": {
"business_documents": [
{
"file_id": "NzViMjBjNzgtMjJmYy00ZTAwLWFlOGYtNmEwNTc3MDlhZmFjLHwsaG9uZ2tvbmcsfCxibGFuay5wZGZfMTc0MzQ5NTg5MTYzMA",
"tag": "BUSINESS_LICENSE"
}
]
},
"business_identifiers": [
{
"country_code": "SG",
"number": "A1098762872",
"type": "BRN"
}
],
"business_name": "Roecny Group LLC",
"business_structure": "COMPANY",
"contact_number": "528854125",
"description_of_goods_or_services": "food",
"industry_category_code": "ICCV3_0000XX",
"operating_country": [
"US",
"AU","SG"
],
"registration_address": {
"address_line1": "200 Collins Street",
"address_line2": "200 Collins Street",
"country_code": "SG",
"postcode": "3000",
"state": "Singapore",
"suburb": "Melbourne"
}
},
"business_person_details": [
{
"attachments": {
"business_person_documents": [
{
"file_id": "NzViMjBjNzgtMjJmYy00ZTAwLWFlOGYtNmEwNTc3MDlhZmFjLHwsaG9uZ2tvbmcsfCxibGFuay5wZGZfMTc0MzQ5NTg5MTYzMA",
"tag": "PERSON_PURPORTING_TO_ACT_AUTHORISATION_LETTER"
}
]
},
"residential_address": {
"address_line1": "200 Collins Street",
"country_code": "SG",
"postcode": "3000",
"state": "VIC",
"suburb": "Melbourne"
},
"date_of_birth": "1980-10-10",
"first_name": "testAir",
"roles": [
"BENEFICIAL_OWNER"
],
"identifications": {

"primary": {
"identification_type": "PASSPORT",
"issuing_country_code": "SG",
"passport": {
"effective_at": "2020-11-01",
"expire_at": "2040-11-01",
"front_file_id": "NzViMjBjNzgtMjJmYy00ZTAwLWFlOGYtNmEwNTc3MDlhZmFjLHwsaG9uZ2tvbmcsfCxibGFuay5wZGZfMTc0MzQ5NTg5MTYzMA",
"number": "6275046"
}
}
},
"last_name": "Smith",
"middle_name": "John",
"nationality": "SG"

}
],
"legal_entity_type": "BUSINESS"
},
"customer_agreements": {
"agreed_to_data_usage": true,
"agreed_to_terms_and_conditions": false
},
"primary_contact": {
"email": "roecny11@gmail.com",
"mobile": "896378924"
}
}

Response Example

{
"status": "Success",
"message": "User Created Successfully",
"code": 200,
"data": [
{
"id": "acct_DWeNysBzON6IH3AFSs81QQ"
}
]
}

Get User

This API retrieves user details from the system.

    GET {{baseUrl}}/roecny/api/v1/user

Description

This endpoint retrieves the details of an existing user including business information, personal details, and account status.Update existing customer details using the update user API endpoint. Any changes to the existing user’s address, user's personal details or phone number can be initiated using the PATCH HTTP method. These changes will not affect the existing user's id. All parameters used in create user can be updated, except Agent Code, subagent Code and email.

Request Headers

ParameterTypeRequiredDescription
x-api-keystringYesShared X-API key provided by Roecny
x-program-idstringYesProgram identifier
x-request-idstringYesIdempotency key
x-user-idstringYesUser identification key
AuthorizationstringYesBearer token
Content-TypestringYesMust be application/json

Request Examples

curl --request GET \
--url {{baseUrl}}/roecny/api/v1/user \
--header 'x-api-key: {{Shared Xapikey By Roecny}}' \
--header 'x-program-id: {{BasedOnRequirement}}' \
--header 'x-request-id: {{IdempotencyKey}}' \
--header 'x-user-id: {{Useridentificationkey}}' \
--header 'Authorization: Bearer {{Bearer Token}}'

Response Example

{
"status": "success",
"message": "User Details Fetched Successfully",
"code": 200,
"data": {
"account_details": {
"attachments": {
"additional_files": []
},
"business_details": {
"account_usage": {
"estimated_monthly_revenue": {
"amount": "10.0",
"currency": "USD"
},
"product_reference": [
"ACCEPT_ONLINE_PAYMENTS",
"SG"
]
},
"as_trustee": true,
"attachments": {
"business_documents": []
},
"business_address": null,
"business_identifiers": [],
"business_name": "Roecny Group LLC",
"business_name_english": null,
"business_name_trading": null,
"business_start_date": null,
"business_structure": "COMPANY",
"contact_number": null,
"description_of_goods_or_services": "Payment gateway services",
"explanation_for_high_risk_countries_exposure": null,
"has_nominee_shareholders": null,
"industry_category_code": "ICCV3_0000XX",
"no_shareholders_with_over_25percent": null,
"operating_country": [],
"registration_address": {
"address_line1": "123 Market Street",
"address_line2": "Suite 456",
"country_code": "SG",
"postcode": "2010",
"state": "NSW",
"suburb": "Newtown"
},
"registration_address_english": null,
"state_of_incorporation": null,
"url": null,
"urls": null
},
"business_person_details": [],
"trustee_details": null,
"individual_details": null,
"legal_entity_id": "le_CZY8LKCSOzK5LMsCEd7c_A",
"legal_entity_identifier": null,
"legal_entity_type": "BUSINESS"
},
"created_at": "2025-04-25T13:38:40+0000",
"customer_agreements": {
"agreed_to_data_usage": true,
"agreed_to_terms_and_conditions": true,
"terms_and_conditions": {
"device_data": {},
"service_agreement_type": "FULL"
}
},
"id": "acct_mdUe_PvMMzqYGd0Qmlib9g",
"nickname": "acct_mdUe_PvMMzqYGd0Qmlib9g",
"primary_contact": {
"attachments": {
"identity_files": []
},
"email": "testroecny7@gmail.com",
"mobile": "912514678"
},
"status": "CREATED",
"view_type": "EXCLUDED_PII"
}
}

Accept Terms And Conditions

This API allows users to accept the terms and conditions.

    GET  {{baseUrl}}/roecny/api/v1/user/termsConditions

Description

This API retrieves the current version of the Terms & Conditions that the user must review and accept. It ensures that the user has agreed to the legal and compliance requirements before proceeding with account creation or accessing platform services. This is a mandatory step in the onboarding process.

Request Headers

ParameterTypeRequiredDescription
x-api-keystringYesShared X-API key provided by Roecny
x-program-idstringYesProgram identifier
x-request-idstringYesIdempotency key
x-user-idstringYesUser identification key
AuthorizationstringYesBearer token
Content-TypestringYesMust be application/json

Request Examples

curl --request GET \
--url {{baseUrl}}/roecny/api/v1/user/termsConditions \
--header 'x-api-key: {{Shared Xapikey By Roecny}}' \
--header 'x-program-id: {{BasedOnRequirement}}' \
--header 'x-request-id: {{IdempotencyKey}}' \
--header 'x-user-id: {{Useridentificationkey}}' \
--header 'Authorization: Bearer {{Bearer Token}}'

Response Examples

{
"status": "success",
"message": "Terms and conditions accepted successfully"
}

Account Activation

This API activates a user account in the system.

    GET {{baseUrl}}/roecny/api/v1/user/activate

Description

This API retrieves the activation status of a user’s account. It checks whether all required onboarding steps have been completed and confirms if the account is fully activated and ready for use. This endpoint is typically used after submitting the account for activation.

Request Headers

ParameterTypeRequiredDescription
x-api-keystringYesShared X-API key provided by Roecny
x-program-idstringYesProgram identifier
x-request-idstringYesIdempotency key
x-user-idstringYesUser identification key
AuthorizationstringYesBearer token
Content-TypestringYesMust be application/json

Request Examples

curl --request GET \
--url {{baseUrl}}/roecny/api/v1/user/activate \
--header 'x-api-key: {{Shared Xapikey By Roecny}}' \
--header 'x-program-id: {{BasedOnRequirement}}' \
--header 'x-request-id: {{IdempotencyKey}}' \
--header 'x-user-id: {{Useridentificationkey}}' \
--header 'Authorization: Bearer {{Bearer Token}}'

Response Examples

{
"status": "success",
"message": "Account Activated"
}

Retrieve RFI

This API retrieves details of an RFI using the given RFI ID.

    GET  {{baseUrl}}/roecny/api/v1/user/rfi

Description

This API allows you to retrieve the details of a Request for Information (RFI) linked to a specific account or user. RFIs are generated when additional data or documentation is required for compliance, verification, or due diligence purposes. The API response includes the RFI status, requested items, and any relevant instructions for completion.

Request Headers

ParameterTypeRequiredDescription
x-api-keystringYesShared X-API key provided by Roecny
x-program-idstringYesProgram identifier
x-request-idstringYesIdempotency key
x-user-idstringYesUser identification key
AuthorizationstringYesBearer token
Content-TypestringYesMust be application/json

Response Fields

FieldTypeDescription
account_idstringUnique account identifier
active_requestobjectCurrent pending RFI details
answered_requestsarrayList of previously answered RFIs
statusstringRFI status (e.g., ACTION_REQUIRED)
typestringRFI type (e.g., KYC)
created_atstringISO 8601 creation timestamp
updated_atstringISO 8601 last update timestamp

Question Object Fields:

FieldTypeDescription
idstringUnique question identifier
keystringQuestion type key (e.g., PROOF_OF_ADDRESS)
titleobjectLocalized question titles
descriptionobjectLocalized descriptions
answerobjectProvided answer details
attachmentsarrayList of attached files
commentstringAdditional comments

Request Example

curl -X GET \
"{{baseUrl}}/roecny/api/v1/user/rfi" \
-H "x-api-key: {{Shared Xapikey By Roecny}}" \
-H "x-program-id: {{BasedOnRequirement}}" \
-H "x-request-id: {{IdempotencyKey}}" \
-H "x-user-id: {{Useridentificationkey}}"

Response Examples

{
"account_id": "acct_e_2wbiZ3Mx-ynlX-7Qidbg",
"active_request": {
"created_at": "2023-04-12T07:29:36+0000",
"questions": [
{
"answer": {
"address": {
"address_line1": "200 Collins Street",
"address_line2": "200 Collins Street",
"country_code": "AU",
"postcode": "3000",
"state": "VIC",
"suburb": "Melbourne"
},
"attachments": [
{
"file_id": "ZTEyOWJjZTItZGI5NS00NzI5LWI1YTQtZmQ2MmZlNDEwNzFlLHwsaG9uZ2tvbmcsfCzpvI7og5xDSS5wZGZfMTY4MzI1Nzg5OTUwOQ"
}
],
"identity_document": {
"back_file_id": "N2EwYTllMTgtZmZjOS00ZDllLWI1MDQtMDMyZjAzZTRjZWE0LHwsLHwsQ05fQkxfbmV3LnBuZ18xNjgzNTUyNjg3Nzg3",
"front_file_id": "N2EwYTllMTgtZmZjOS00ZDllLWI1MDQtMDMyZjAzZTRjZWE0LHwsLHwsQ05fQkxfbmV3LnBuZ18xNjgzNTUyNjg3Nzg3",
"issuing_country": "AU",
"number": "123456789",
"type": "DRIVING_LICENSE"
}
},
"id": "ba7bfb51-77bc-4991-b651-0969ece1d263",
"key": "PROOF_OF_ADDRESS",
"title": {
"en": "Information confirmation",
"zh": "信息确认"
}
}
],
"updated_at": "2023-04-14T07:29:36+0000"
},
"status": "ACTION_REQUIRED",
"type": "KYC",
"updated_at": "2023-04-12T07:29:36+0000"
}

Respond RFI

This API allows you to respond to an RFI request by providing the required answers.

    POST  {{baseUrl}}/roecny/api/v1/user/rfi

Description

This API allows you to submit a response to an existing Request for Information (RFI). It is used to provide the required verification details along with any supporting documents requested during the compliance or onboarding process. A successful submission updates the RFI status and moves the review process forward.

Request Headers

ParameterTypeRequiredDescription
x-api-keystringYesShared X-API key provided by Roecny
x-program-idstringYesBasedOnRequirement
x-request-idstringYesIdempotency key
x-user-idstringYesUser identification key
AuthorizationstringYesBearer token
Content-TypestringYesMust be application/json

Request Body Parameters

FieldTypeRequiredDescription
idstringYesRFI question identifier
typestringYesResponse type (e.g., ADDRESS)
address_line1stringConditionalStreet address line 1
address_line2stringNoStreet address line 2
country_codestringConditional2-letter country code
postcodestringConditionalPostal/ZIP code
statestringConditionalState/Province code
suburbstringConditionalCity/Locality name
attachmentsarrayNoFile IDs of supporting documents

Supported Response Types:

  • ADDRESS: For proof of address verification
  • DOCUMENT: For identity document verification
  • TEXT: For simple text responses

Request Examples

curl -X POST \
"{{baseUrl}}/roecny/api/v1/user/rfi" \
-H "x-api-key: {{Shared Xapikey By Roecny}}" \
-H "x-program-id: {{BasedOnRequirement}}" \
-H "x-request-id: {{IdempotencyKey}}" \
-H "x-user-id: {{Useridentificationkey}}" \
-H "Content-Type: application/json" \
-d '{
"id": "de73d13b-cb60-4541-8fa6-4bc50c1cbe92",
"type": "ADDRESS",
"address_line1": "200 Collins Street",
"address_line2": "200 Collins Street",
"country_code": "AU",
"postcode": "3000",
"state": "VIC",
"suburb": "Melbourne"
}'

Response Examples

{
"status": "SUBMITTED",
"rfi_id": "de73d13b-cb60-4541-8fa6-4bc50c1cbe92",
"submitted_at": "2023-04-15T08:30:45Z",
"next_steps": "Verification may take 1-3 business days"
}