EEA updated requirements

Additional KYC/KYB data required for EEA customers In Europe, Bridge is transitioning to a dual-licensed Electronic Money Institution (EMI) and Crypto-Asset Service Provider (CASP) under the MiCA framework, which will offer enhanced consumer protections and new product capabilities in the region. As part of this transition, Bridge will be updating KYC/KYB onboarding and verification requirements for EEA individual and business customers beginning June 15th. This will require you to collect additional data if you are using the Customer API. To test your integration, you will be able to submit the new fields starting May 15th.

API requests in scope

You will need to adjust create/update payloads when onboarding new customers who fall under EEA scope:

The individual’s residential address is in the EEA
The business’s incorporation address is in the EEA, or
The business’s physical operating address is in the EEA, or

Customers not in scope keep today’s behavior.
For live reference on the APIs mentioned here, see Create a customer, Update a single customer object, and Create a new associated person.

POST | PUT /v0/customers — individual

Live reference: Create a customer

Summary of changes (to be enforced starting June 15th)

The following fields will be newly required or need to be adjusted for individuals with an EEA country of residence OR UBOs/Associated Persons mapped to a business incorporated or physically located in the EEA:

Requirement	New requirement	Current state	Sample code
National Identification Number AND Tax ID Number (TIN)	Must collect both a valid National ID number and a valid Tax ID Number (TIN) Please refer to valid National ID number and Tax ID Number (TIN) types by country below	Can collect National Identification number OR Tax Identification Number	Link
TIN issuing country and country of residence match	Tax ID Number (TIN) must be issued by the country of residence submitted; customers may not claim “no valid tax ID”	The Tax Identification number (TIN) does not need to be issued by the country of residence submitted.	Link
Country of birth and city of birth	Country of birth is a new required field. We also recommend collecting the city of birth, as this will be required by EU law in 2027.	Country of birth and city of birth are not required.	Link
Nationalities	All nationalities of the individual will be required in a new field: “nationalities”. The existing “nationality” field that optionally collects only one nationality will be deprecated.	Providing nationality in the “nationality” field is optional.	Link
Account purpose	Account purpose is required for all individuals (not applicable for associated persons or UBOs).	Account purpose is only required for high risk individuals.	Link
Employment status	Employment status is required for all individuals (not applicable for associated persons or UBOs).	Employment status is only required for high risk individuals.	Link
Identify verification	No additional data required. However Bridge will perform a database check on the individual. If the database check does not pass, Bridge will require more information to be submitted.	Individuals must only submit and verify a photo ID.

National Identification Number AND Tax ID Number (TIN)

It is required to provide both a Tax ID Number (TIN) and National ID number for each individual. Below is a list of supported Tax IDs and national IDs by country. Code Sample

"identifying_information": [
  {
    "type": "spi",
    "issuing_country": "FRA",
    "number": "13 12 345 678 901"
  },
  {
    "type": "passport",
    "issuing_country": "FRA",
    "number": "12AB34567"
  }
]

NationalId, Passport, NIN, PAN, and Other are also valid national ID types outside of the US
TIN and VAT are also valid Tax ID types outside of the US

Supported Tax and National Ids

Country	Tax Id	National Id
AUT	si	si
BEL	nrn	nrn
BGR	ucn	ucn
BIH		jmbg
CHE		avs, ahv
CYP	tin
CZE	rc	rc
DEU	steuer_id, idnr
DNK	cpr	cpr
ESP	nif, nie
EST	ik	ik
FIN	hetu	hetu
FRA	spi	spi
GBR		nino
GRC	aom	aom
HRV	oib	oib
HUN	tin
IMN		nino
IRL	ppsn	ppsn

Country	Tax Id	National Id
ISL	tin
ITA	cf
LTU	ak	ak
LUX	matricule	matricule
LVA	pk	pk
MDA		idnp
MLT	tin
MNE		jmbg
MKD		embg
NLD	bsn	bsn
NOR	fn	fn
POL	pesel	pesel
PRT	nif
ROU	cnp	cnp
SRB		jmbg
SVK	rc	rc
SVN	tin
SWE	tin

TIN issuing country and country of residence match

At least one of the TIN object’s issuing_country must match residential_address.country (ISO 3166-1 alpha-3, e.g. DEU, FRA). Code Sample

"residential_address": {
  "street_line_1": "15 Hauptstraße",
  "city": "München",
  "postal_code": "80331",
  "country": "DEU"
},
"identifying_information": [
  {
    "type": "steuer_id",
    "issuing_country": "DEU",
    "number": "12345678901"
  }
]

Country of birth and city of birth

Place of birth takes country and city. country is now required in the following format. While only country is required, we recommend you start collecting city as well; it will be required under EU law in 2027. Code Sample

"place_of_birth": {
  "country": "FRA",
  "city": "Paris"
}

Nationalities

It is now required to provide all existing nationalities for an individual, ISO 3166-1 alpha-3. During migration we will still honor what you send through field nationality (single string) along with field nationalities. Afterwards we will be deprecating the nationality field. Code Sample

"nationality": "FRA",
"nationalities": ["FRA", "USA"]

Account purpose and employment status

Both account_purpose and employment_status are now required. account_purpose_other: free text should only be used when account_purpose is other. Code Sample

"account_purpose": "receive_salary",
"employment_status": "employed"

Or when purpose is other: Code Sample

"account_purpose": "other",
"account_purpose_other": "Consulting income"

POST | PUT /v0/customers — business

POST | PUT /v0/customers/:c_id/associated_persons/:ap_id

Live reference: Create a customer (business payload), Create a new associated person

Summary of changes — business (to be enforced starting June 15th)

The following fields will be new or newly required for businesses or legal entity customers that are EEA-incorporated or EEA-resident.

Requirement	New requirement	Current state	Sample code
Complete director list	All associated persons are required to specify whether or not they are a director and provide full name and DOB.	Sending is_director field value is not required.	Link
KYC for additional associated members	Full KYC required on: all UBOs; at least two directors if at least two directors exist (otherwise KYC required only on the sole director); all authorized signers.	Full KYC required on all UBOs.	Link
Ownership % per UBO	Ownership % for each UBO with 25% or more ownership is required.	Ownership % is not required.	Link
Ownership document for control person	Ownership document is required at the business level.	Ownership document can be skipped by providing an attestation if has_control is set for an associated person.	Link
Letter of Authority (LOA)	Letter of Authority is required for all authorized signers who are not listed as a director, owner, or control person.	Letter of authority is not required.	Link
Business Registration Number AND Business Tax ID Number	Must collect both Business Registration Number and Business Tax ID Number. Please refer to valid types by country below.	Can collect Business Registration Number OR Business Tax ID Number.	Link
Business Registration Number country and incorporation country match	The issuing country of the Business Registration Number and incorporation country must match.	The issuing country of the Business Registration Number and incorporation country do not need to match.	Link
Tax residency status	If a business has tax registrations with any tax authority outside the country they are registered for, tax registration information for each of those countries is required.	Collecting tax registration information for foreign tax registrations is not required.	Link
Evidence/Certificate of Good Standing and business formation document	Must collect both Evidence/Certificate of Good Standing and a business formation document (i.e. Articles of Incorporation) if automated business registry verification is unsuccessful.	Can collect Evidence/certificate of good standing OR a business formation document (i.e. Articles of Incorporation) if automated business registry verification is unsuccessful.	Link

Complete director list

Every associated person is required to have a value for is_director and provide full name and DOB. Code Sample

"associated_persons": [
  {
    "first_name": "Jean",
    "last_name": "Martin",
    "email": "jean.martin@example.com",
    "birth_date": "1985-03-20",
    "is_director": true,
    "has_ownership": true,
    "has_control": true,
    "is_signer": true,
    "ownership_percentage": 40,
    "residential_address": {
      "street_line_1": "1 Avenue des Champs",
      "city": "Lyon",
      "postal_code": "69001",
      "country": "FRA"
    },
    "identifying_information": [
      {
        "type": "passport",
        "issuing_country": "FRA",
        "number": "AB1234567",
        "image_front": "data:image/jpeg;base64,..."
      }
    ]
  }
]

KYC for additional associated members

Full KYC is now required on:

All UBOs
At least two directors if at least two directors exist (otherwise KYC required only on the sole director)
All authorized signers

Minimal information (full legal name and DOB) is acceptable for any additional associated persons who are not control persons nor authorized signers. By default we will use incorporation_address (of the registered entity) as the director’s address when residential address is not provided. Full requirements: Associated Person requirements. Code Sample (relaxed additional director)

{
  "associated_persons": [
    {
      "first_name": "Marie",
      "last_name": "Lefebvre",
      "email": "marie.lefebvre@example.com",
      "birth_date": "1988-07-12",
      "is_director": true,
      "has_ownership": false,
      "has_control": false,
      "is_signer": false
    }
  ],
  "incorporation_address": {
    "street_line_1": "10 Rue du Quatre Septembre",
    "city": "Paris",
    "postal_code": "75002",
    "country": "FRA"
  }
}

Ownership percentage per UBO

When has_ownership is true, it is required to send ownership_percentage. Code Sample

"ownership_threshold": 25,
"associated_persons": [
  {
    "first_name": "Jean",
    "last_name": "Martin",
    "email": "jean.martin@example.com",
    "birth_date": "1985-03-20",
    "has_ownership": true,
    "ownership_percentage": 51,
    "has_control": true,
    "is_signer": false,
    "is_director": true,
    "residential_address": {
      "street_line_1": "1 Av. des Champs",
      "city": "Lyon",
      "postal_code": "69001",
      "country": "FRA"
    },
    "identifying_information": [
      {
        "type": "passport",
        "issuing_country": "FRA",
        "number": "AB1234567",
        "image_front": "data:image/jpeg;base64,..."
      }
    ]
  }
]

Ownership document always required

It is now required to attach a document for ownership_information (regardless of any control person attestation). The document should be provided at business level. Code Sample

{
  "documents": [
    {
      "purposes": ["ownership_information"],
      "description": "Shareholder register / cap table — reflects Jean Martin 40%, holding structure as of 2026-01-15",
      "file": "data:application/pdf;base64,JVBERi0xLjQK..."
    }
  ]
}

Letter of Authority (LOA)

A document with purpose proof_of_signatory_authority is now required for all authorized signers who are not listed as a director, owner, or control person. Code Sample

"associated_persons": [
  {
    "documents": [
      {
        "purposes": ["proof_of_signatory_authority"],
        "description": "LOA for signer jane.doe@example.com",
        "file": "data:application/pdf;base64,..."
      }
    ]
  }
]

Business Registration Number AND Business Tax ID Number

It is required to provide both a Business Registration Number and a Business Tax ID Number. All countries can also use vat and other as valid Tax ID types. Code Sample

"identifying_information": [
  {
    "type": "siren",
    "issuing_country": "FRA",
    "number": "732829320"
  },
  {
    "type": "tin",
    "issuing_country": "FRA",
    "number": "12AB34567"
  }
]

Supported Business Registration and Tax IDs by country

Country	Business registration	Tax Id
ALB	nipt	vat, tin
AND	nrt	vat, tin
AUT	fn, uid	vat, tin
BEL	bce, kbo	vat, tin
BGR	uic	vat, tin
BIH	id_broj	vat, tin
CHE	uid	vat, tin
CYP	crn	vat, tin
CZE	ico	vat, tin
DEU	crn	ust_idnr, vat, tin
DNK	cvr	vat, tin
ESP	cif	nif, vat, tin
EST	rc	vat, tin
FIN	y_tunnus	vat, tin
FRA	siren, siret	vat, tin
GBR	crn	vat, tin
GIB	crn	vat, tin
GRC	aom	vat, tin
HRV	oib	vat, tin
HUN	crn	vat, tin
IMN	crn	vat, tin
IRL	cro	vat, tin

Country	Business registration	Tax Id
ISL	id	vat, tin
ITA	cf	partita_iva, vat, tin
LTU	cc	vat, tin
LUX	matricule	vat, tin
LVA	rn	vat, tin
MCO	crn	vat, tin
MDA	idno	vat, tin
MKD	crn	vat, tin
MLT	crn	vat, tin
MNE	crn	vat, tin—
NLD	kvk	vat, tin
NOR	org, orgnr	vat, tin
POL	regon	nip, vat, tin
PRT	nipc	nif, vat, tin
ROU	cui	vat, tin
SRB	pib	vat, tin
SVK	ico	vat, tin
SVN	ms	vat, tin
SWE	org, orgnr	vat, tin
UKR	edrpou	vat, tin

Business registration country and incorporation country match

It is now required for registered_address.country to match the registration object’s issuing_country. Code Sample

"registered_address": {
  "street_line_1": "10 Rue du Quatre Septembre",
  "city": "Paris",
  "postal_code": "75002",
  "country": "FRA"
},
"identifying_information": [
  {
    "type": "siren",
    "issuing_country": "FRA",
    "number": "732829320"
  }
]

Tax residency status (foreign tax registry)

If a business has tax registrations with any tax authority outside their registered address country, or if an individual has tax registrations with any tax authority outside their residential address country, provide tax registration information for each of those countries. Code Sample

Individual
Business

{
  "type": "individual",
  "first_name": "Jane",
  "last_name": "Doe",
  "email": "jane.doe@example.com",
  "signed_agreement_id": "SIGNED_AGREEMENT_ID_FROM_HOSTED_TOS_FLOW",
  "residential_address": {
    "street_line_1": "10 Rue du Quatre Septembre",
    "city": "Paris",
    "postal_code": "75002",
    "country": "FRA"
  },
  "identifying_information": [
    {
      "type": "spi",
      "issuing_country": "FRA",
      "number": "732829320"
    },
    {
      "type": "ssn",
      "issuing_country": "USA",
      "number": "123-45-6789"
    }
  ],
  "has_foreign_tax_registration": true
}

{
  "type": "business",
  "business_legal_name": "Example SARL",
  "email": "contact@example-sarl.fr",
  "business_type": "corporation",
  "signed_agreement_id": "SIGNED_AGREEMENT_ID_FROM_HOSTED_TOS_FLOW",
  "registered_address": {
    "street_line_1": "10 Rue du Quatre Septembre",
    "city": "Paris",
    "postal_code": "75002",
    "country": "FRA"
  },
  "physical_address": {
    "street_line_1": "10 Rue du Quatre Septembre",
    "city": "Paris",
    "postal_code": "75002",
    "country": "FRA"
  },
  "identifying_information": [
    {
      "type": "siren",
      "issuing_country": "FRA",
      "number": "732829320"
    },
    {
      "type": "ein",
      "issuing_country": "USA",
      "number": "12-3456789"
    }
  ],
  "has_foreign_tax_registration": true
}

Evidence of good standing

It is now required to provide an evidence of good standing document if Bridge is unable to verify the business with an automated business registry check. Code Sample

"documents": [
  {
    "purposes": ["evidence_of_good_standing"],
    "description": "Extrait K-bis / business registry excerpt, 2026-03-01",
    "file": "data:application/pdf;base64,..."
  }
]

Orchestration

Wallets

Issuance

Cards

Customers

Logistics

Additional information

EEA updated requirements

API requests in scope

POST | PUT /v0/customers — individual

Summary of changes (to be enforced starting June 15th)

National Identification Number AND Tax ID Number (TIN)

TIN issuing country and country of residence match

Country of birth and city of birth

Nationalities

Account purpose and employment status

POST | PUT /v0/customers — business

POST | PUT /v0/customers/:c_id/associated_persons/:ap_id

Summary of changes — business (to be enforced starting June 15th)

Complete director list

KYC for additional associated members

Ownership percentage per UBO

Ownership document always required

Letter of Authority (LOA)

Business Registration Number AND Business Tax ID Number

Business registration country and incorporation country match

Tax residency status (foreign tax registry)

Evidence of good standing

Orchestration

Wallets

Issuance

Cards

Customers

Logistics

Additional information

Documentation Index

​API requests in scope

​POST | PUT /v0/customers — individual

​Summary of changes (to be enforced starting June 15th)

​National Identification Number AND Tax ID Number (TIN)

​TIN issuing country and country of residence match

​Country of birth and city of birth

​Nationalities

​Account purpose and employment status

​POST | PUT /v0/customers — business

​POST | PUT /v0/customers/:c_id/associated_persons/:ap_id

​Summary of changes — business (to be enforced starting June 15th)

​Complete director list

​KYC for additional associated members

​Ownership percentage per UBO

​Ownership document always required

​Letter of Authority (LOA)

​Business Registration Number AND Business Tax ID Number

​Business registration country and incorporation country match

​Tax residency status (foreign tax registry)

​Evidence of good standing

API requests in scope

POST | PUT /v0/customers — individual

Summary of changes (to be enforced starting June 15th)

National Identification Number AND Tax ID Number (TIN)

TIN issuing country and country of residence match

Country of birth and city of birth

Nationalities

Account purpose and employment status

POST | PUT /v0/customers — business

POST | PUT /v0/customers/:c_id/associated_persons/:ap_id

Summary of changes — business (to be enforced starting June 15th)

Complete director list

KYC for additional associated members

Ownership percentage per UBO

Ownership document always required

Letter of Authority (LOA)

Business Registration Number AND Business Tax ID Number

Business registration country and incorporation country match

Tax residency status (foreign tax registry)

Evidence of good standing