KYX reliance

Bridge is updating the KYC/KYB information you are required to collect from EEA customers during onboarding starting June 15th. Please review this link to start preparing for these changes now if you are using or plan to use the Customer API with reliance.

What is reliance?

For most developers, Bridge runs thorough verification on all input KYB/KYC data provided for end customers. If a developer has a robust KYC/KYB program for their customer base, Bridge may (after reviewing the developer’s policies/procedures) approve the developer for a reliance arrangement with Bridge. This means that Bridge and the developer agree that the developer will be in charge of verifying KYC/KYB data for end users. With this, there are certain additional data requirements for how Bridge APIs are used. Such an arrangement is beneficial for developer costs as well as in streamlining end customers’ onboarding experience.

Additional Fields we Require

This is in addition to the normal requirements for creating a customer. See full Minimal Code Samples below for full sample requests.

"endorsements": ["reliance"], # must include the reliance endorsement!
"kyc_screen": {  # Required
  "screened_at": <datetime>,
  "result": ("passed"|"failed")
},  
"ofac_screen": {  # Required
  "screened_at": <datetime>,   
  "result": ("passed"|"failed")  
},
"verified_database_at": <datetime> # Optional, see note
"verified_govid_at": <datetime> # Optional, see note
"verified_proof_of_address_at": <datetime> # Optional (required for EEA customers/SEPA rails, see note)

endorsements should include reliance in place of base, in addition to any other endorsements that you might include. For example, if your standard endorsements list includes ["base", "pix", "spei", "sepa"], then your endorsements list under the reliance model would include ["reliance", "pix", "spei", "sepa"].
if verified_database_at or verified_govid_at is provided, requirements for identifying_information are loosened:
- you do not need to include a government ID image
- you still need to include a number from a form of identification, but it can come from any a tax document or a standard ID document type (e.g., unlike in other cases, including a drivers_license with a number would be sufficient)
verified_proof_of_address_at is required if proof of address would otherwise be required (i.e. customers residing in the EEA or customers who wish to use SEPA rails).

Note that, in the case of a business customer, these additional fields need to be specified for each associated person as well.

Accessing Virtual Accounts, Wallets, and other Bridge features

Despite our reliance model, our bank partner maintains strict requirements before they can open a virtual account on behalf of your end customers. Bridge maintains similar requirements for before users can receive access to Bridge Wallets.

You will need to wait to receive a Bridge Webhook with a status of active and all endorsement statuses of approved before provisioning additional Bridge resources.

In addition to the endorsements in your request, Bridge will also add a new endorsement, kyc_reliance_data_received, which must have a status of approved before proceeding.

Example completed webhook

{
  "api_version": "v0",
  "event_id": "wh_thNYgYjY3f45jAwuRFG7vK6",
  "event_developer_id": "718ecbd6-5284-4125-a5ea-94ef36cdb8d0",
  "event_sequence": 63,
  "event_category": "customer",
  "event_type": "customer.updated",
  "event_object_id": "5c1e40b5-d692-4776-a066-b42edc5cb482",
  "event_object_status": "active",
  "event_object": {
    "id": "5c1e40b5-d692-4776-a066-b42edc5cb482",
    "type": "business",
    "email": "contact@acme-corp.example.com",
    "status": "active",
    "last_name": null,
    "created_at": "2026-01-26T04:47:51.994Z",
    "first_name": "Ziemann, Boehm and Heidenreich",
    "updated_at": "2026-01-26T04:47:58.851Z",
    "capabilities": {
      "payin_fiat": "active",
      "payout_fiat": "active",
      "payin_crypto": "active",
      "payout_crypto": "active"
    },
    "endorsements": [
      {
        "name": "kyc_reliance_data_received",
        "status": "approved",
        "requirements": {
          "issues": [],
          "missing": null,
          "pending": [],
          "complete": [
            "business_name",
            "business_website",
            "business_type",
            "business_industry",
            "business_description",
            "email_address",
            "address_of_incorporation",
            "address_of_operation",
            "tax_identification_number",
            "reliance_kyc_info",
            "reliance_sanctions_screen_info",
            "sanctions_screen",
            "adverse_media_screen",
            "post_processing",
            {
              "items": [
                "has_control",
                "first_name",
                "last_name",
                "email_address",
                "address_of_residence",
                "date_of_birth",
                "valid_date_of_birth",
                "tax_identification_number",
                "reliance_kyc_info",
                "reliance_sanctions_screen_info",
                "associated_person_relationship",
                "sanctions_screen",
                "pep_screen",
                "has_title"
              ],
              "associated_person": "17a444fb-fcf1-4caa-8728-a98afb8499a7"
            }
          ]
        }
      },
      {
        "name": "pix",
        "status": "approved",
        "requirements": {
          "issues": [],
          "missing": null,
          "pending": [],
          "complete": [
            "terms_of_service_v2",
            "account_processing"
          ]
        }
      },
      {
        "name": "reliance",
        "status": "approved",
        "requirements": {
          "issues": [],
          "missing": null,
          "pending": [],
          "complete": []
        }
      },
      {
        "name": "sepa",
        "status": "approved",
        "requirements": {
          "issues": [],
          "missing": null,
          "pending": [],
          "complete": [
            "terms_of_service_v2"
          ]
        }
      },
      {
        "name": "spei",
        "status": "approved",
        "requirements": {
          "issues": [],
          "missing": null,
          "pending": [],
          "complete": [
            "terms_of_service_v2",
            "account_processing"
          ]
        }
      }
    ],
    "physical_address": {
      "country": "USA",
      "subdivision": "CA"
    },
    "requirements_due": [],
    "rejection_reasons": [],
    "associated_persons": [
      {
        "id": "17a444fb-fcf1-4caa-8728-a98afb8499a7",
        "email": "j.smith@acme-corp.example.com"
      }
    ],
    "registered_address": {
      "country": "USA",
      "subdivision": "CA"
    },
    "persona_inquiry_type": "business",
    "future_requirements_due": [],
    "has_accepted_terms_of_service": true
  },
  "event_object_changes": {
    "endorsements": [
      [
        {
          "name": "kyc_reliance_data_received",
          "status": "incomplete",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [
              "post_processing"
            ],
            "complete": [
              "business_name",
              "business_website",
              "business_type",
              "business_industry",
              "business_description",
              "email_address",
              "address_of_incorporation",
              "address_of_operation",
              "tax_identification_number",
              "reliance_kyc_info",
              "reliance_sanctions_screen_info",
              "sanctions_screen",
              "adverse_media_screen",
              {
                "items": [
                  "has_control",
                  "first_name",
                  "last_name",
                  "email_address",
                  "address_of_residence",
                  "date_of_birth",
                  "valid_date_of_birth",
                  "tax_identification_number",
                  "reliance_kyc_info",
                  "reliance_sanctions_screen_info",
                  "associated_person_relationship",
                  "sanctions_screen",
                  "pep_screen",
                  "has_title"
                ],
                "associated_person": "17a444fb-fcf1-4caa-8728-a98afb8499a7"
              }
            ]
          },
          "additional_requirements": []
        },
        {
          "name": "pix",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": [
              "terms_of_service_v2",
              "account_processing"
            ]
          }
        },
        {
          "name": "reliance",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": []
          }
        },
        {
          "name": "sepa",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": [
              "terms_of_service_v2"
            ]
          }
        },
        {
          "name": "spei",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": [
              "terms_of_service_v2",
              "account_processing"
            ]
          }
        }
      ],
      [
        {
          "name": "kyc_reliance_data_received",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": [
              "business_name",
              "business_website",
              "business_type",
              "business_industry",
              "business_description",
              "email_address",
              "address_of_incorporation",
              "address_of_operation",
              "tax_identification_number",
              "reliance_kyc_info",
              "reliance_sanctions_screen_info",
              "sanctions_screen",
              "adverse_media_screen",
              "post_processing",
              {
                "items": [
                  "has_control",
                  "first_name",
                  "last_name",
                  "email_address",
                  "address_of_residence",
                  "date_of_birth",
                  "valid_date_of_birth",
                  "tax_identification_number",
                  "reliance_kyc_info",
                  "reliance_sanctions_screen_info",
                  "associated_person_relationship",
                  "sanctions_screen",
                  "pep_screen",
                  "has_title"
                ],
                "associated_person": "17a444fb-fcf1-4caa-8728-a98afb8499a7"
              }
            ]
          }
        },
        {
          "name": "pix",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": [
              "terms_of_service_v2",
              "account_processing"
            ]
          }
        },
        {
          "name": "reliance",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": []
          }
        },
        {
          "name": "sepa",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": [
              "terms_of_service_v2"
            ]
          }
        },
        {
          "name": "spei",
          "status": "approved",
          "requirements": {
            "issues": [],
            "missing": null,
            "pending": [],
            "complete": [
              "terms_of_service_v2",
              "account_processing"
            ]
          }
        }
      ]
    ]
  },
  "event_created_at": "2026-01-26T15:35:49.569Z"
}

Specific Field Requirements

Individual Requirements
Business Requirements
Associated Person Requirements

- first_name
- last_name
- date_of_birth
- email
- signed_agreement_id
- endorsements # "reliance" in place of "base", add any other endorsements necessary (i.e. "spei")
- residential_address # street_line_1 must be at least 4 characters
- identifying_information
- kyc_screen
- ofac_screen

Note: Individual requirements must be met for each included associated person as well!
  
- business_name
- business_type
- busniess_description
- primary_website
- business_industry
- email
- physical_address # street_line_1 must be at least 4 characters
- registered_address # street_line_1 must be at least 4 characters
- identifying_information
- kyc_screen
- ofac_screen
- signed_agreement_id
- endorsements # "reliance" in place of "base", add any other endorsements necessary (i.e. "spei")
- associated_persons

- first_name
- last_name
- date_of_birth
- email
- residential_address # street_line_1 must be at least 4 characters
- has_control
- has_ownership
- is_signer
- title
- identifying_information
- kyc_screen
- ofac_screen

Minimal Code Samples

Business

{  
  "type": "business",  
  "business_legal_name": "Acme Solutions Inc.",  
  "business_industry": "11",  
  "email": "ayden.hintz61@hotmail.com",  
  "business_type": "llc",
  "business_description": "provides innovative, scalable technology services designed to streamline enterprise operations and enhance digital efficiency. We focus on delivering tailored strategies that help businesses navigate complex technical challenges with ease.", 
  "primary_website": "https://acmesolutions.com",  
  "registered_address": {
    "street_line_1": "123 Main Street",
    "city": "San Francisco",  
    "subdivision": "CA",  
    "country": "US",
    "postal_code": "94105" 
  },
  "physical_address": {
    "street_line_1": "123 Main Street",
    "city": "San Francisco",  
    "subdivision": "CA",  
    "country": "US",
    "postal_code": "94105" 
  },  
  "kyc_screen": {  
    "screened_at": "2025-01-01",  
    "result": "passed"  
  },  
  "ofac_screen": {  
    "screened_at": "2025-01-01",  
    "result": "passed"  
  },  
  "signed_agreement_id": "b2ab70c1-d31d-4bce-ab5e-ca21bdf44e00",  
   "identifying_information": [  
    {  
      "type": "ein",  
      "issuing_country": "US",  
      "number": "xx-xxxxxxx"  
    }  
  ],
  "endorsements": ["reliance"],  
  "associated_persons": [  
    {  
      "first_name": "John",  
      "last_name": "Doe",  
      "birth_date": "1990-01-01",  
      "email": "john_doe@example.xyz",  
      "residential_address": {  
        "street_line_1": "123 Sample Lane",  
        "city": "New City",  
        "subdivision": "CA",  
        "postal_code": "12345",  
        "country": "USA"  
      },  
      "has_control": true,  
      "has_ownership": false,  
      "is_signer": true, 
      "title": "CEO",
      "identifying_information": [  
        {  
          "type": "ssn",  
          "issuing_country": "usa",  
          "number": "xxx-xx-xxxx"  
        }  
      ],     
      "kyc_screen": {  
        "screened_at": "2025-01-01",  
        "result": "passed"  
      },  
      "ofac_screen": {  
        "screened_at": "2025-01-01",  
        "result": "passed"  
      }  
    }  
  ]
}

Individual

{  
  "type": "individual",  
  "first_name": "John",  
  "last_name": "Doe",  
  "birth_date": "1990-01-01",  
  "email": "john_doe@example.xyz",  
  "signed_agreement_id": "5634d2ad-aa9e-43b1-8601-0d4d400a8f6e",  
  "endorsements": ["reliance"], 
  "identifying_information": [  
    {  
      "type": "ssn",  
      "number": "123-45-6789",  
      "issuing_country": "us"  
    }  
  ],  
  "residential_address": {  
    "street_line_1": "123 Sample Lane",  
    "city": "New City",  
    "subdivision": "CA",  
    "postal_code": "12345",  
    "country": "USA"    
  },  
  "kyc_screen": {  
    "screened_at": "2025-02-12",  
    "result": "passed"  
  },  
  "ofac_screen": {  
    "screened_at": "2025-02-12",  
    "result": "passed"  
  }
}

Introduction

Guides

What is reliance?

Additional Fields we Require

Accessing Virtual Accounts, Wallets, and other Bridge features

Example completed webhook

Specific Field Requirements

Minimal Code Samples

Business

Individual

​What is reliance?

​Additional Fields we Require

​Accessing Virtual Accounts, Wallets, and other Bridge features

​Example completed webhook

​Specific Field Requirements

​Minimal Code Samples

​Business

​Individual

What is reliance?

Additional Fields we Require

Accessing Virtual Accounts, Wallets, and other Bridge features

Example completed webhook

Specific Field Requirements

Minimal Code Samples

Business

Individual