To enable the User to operate financially in a fully regulated environment, it’s necessary to validate its personal identification. We use strategic partnerships which enable us to check the input information against a huge set of official databases such as the Receita Federal, Policia Federal, OFAC and other sanctions listings.
For signing up individual personal accounts, you'll need:
- A valid and unique e-mail address
- A valid and active CPF, matching the user data provided in the sign up (name, birthdate, etc.)
- No financial or criminal sanctions nationally or internationally
- No political exposure or relationships (PEP)
- A valid physical address matching the user data (may require additional validation)
- A valid and unique phone, verified by SMS (Check the Phone Verification guide)
- A valid identification document for upload (Check the Document Verification guide).
- A selfie with the user holding the document, for face matching and possession verification (may require additional validation)
In some special cases you might also need:
- A picture of the user handwritten signature
- A picture of a valid address statement (public services bill, phone bills, etc)
All off these checks are needed in the account signup, but some of them are rechecked frequently. If any account does not meet the standards after is creation, it may get blocked. In that case, you'll need to contact the Compliance team at the Help Desk.
// Registers a new subaccount for a consumer user
// This is create a "pending" account, after its creation
// the phone number and the user documents must be verified
const user = await bitcapital.consumers.create({
firstName: "John",
lastName: "Doe",
email: "john.doe@gmail.com",
password: "a_secure_password_123",
role: "consumer",
consumer: {
type: "personal",
// The Tax ID (CPF or CNPJ) will be checked against public and private verification bureaus
taxId: "01234567890",
motherName: "Jane Doe",
birthday: "1975-02-15 12:00:00",
phones: [{
// This number will be used in SMS phone verification
code: "11",
number: "987654321",
type: "mobile"
}],
// Address may subject of additional verification in case
// of misidentified or incomplete identity details
addresses: [{
country: "BR",
state: "SP",
city: "São Paulo",
code: "04074020",
street: "Av Paulista",
number: "307",
neighborhood: "Bela Vista",
complement: "Ap. 30",
reference: ""
}]
}
});For signing up company accounts, you'll need:
- A valid and unique e-mail address
- A valid CNPJ, matching the company data provided in the sign up (trading name, foundation date, etc.)
- A valid physical address matching the user data (may require additional validation)
- A valid and unique phone, verified by SMS (Check the Phone Verification guide)
Additionally, all company related individuals (such as direct and indirect shareholders) must pass the Personal Verification described in the previous section, with at least one of them uploading their documents.
All off these checks are needed in the account signup, but some of them are rechecked frequently. If any account does not meet the standards after is creation, it might get blocked without any previous notice.
// Registers a new subaccount for a consumer user
// This is create a "pending" account, after its creation
// the phone number and the user documents must be verified
const user = await bitcapital.consumers.create({
firstName: "Sample Company",
lastName: "Ltd.",
email: "sample@samplecorporate.com",
password: "a_secure_password_123",
role: "consumer",
consumer: {
type: "corporate",
// The Tax ID (CPF or CNPJ) will be checked against public and private verification bureaus
taxId: "01234567890",
birthday: new Date('2017-11-16'),
phones: [{
// This number will be used in SMS phone verification
code: "11",
number: "987654321",
type: "mobile"
}],
// Address may subject of additional verification in case
// of misidentified or incomplete identity details
addresses: [{
country: "BR",
state: "SP",
city: "São Paulo",
code: "04074020",
street: "Av Paulista",
number: "307",
neighborhood: "Bela Vista",
complement: "Ap. 30",
reference: ""
}],
companyData: {
taxId: '01234567890',
tradeName: 'Sample Company Ltd',
openingDate: new Date('2017-11-16'),
activities: [{
isMain: true,
code: '62.04-0-00',
description: 'Consultoria em tecnologia da informação',
}],
partners: [{
name: 'John Doe',
gender: 'M',
birthDate: new Date('1960-01-01'),
birthCountry: 'Brasil',
taxId: '01234567890',
email: 'johndoe@samplecompany.com',
phones: [{
code: '11',
number: '987654321',
}],
}],
}
}
});
Updated about 14 hours ago