[4] Document collection

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During your onboarding flow, you might need to collect certain documents from the customer depending on the product and the customer type. Such documents are requested as part of the Know Your Customer (KYC) process and you must ensure that they are collected in your sign-up flow and passed to Solaris before the identification process.

The required document(s) of a person or a business (legal entity) is stored in a document resource on Solaris' system.

Document resource types

There are two types of document resources:

1. Person documents: Used to store the documents of the following customer types:

• Retail customers (B2C)
• Authorized persons on a retail account
• Freelancers
• Business' natural persons, such as legal representatives, beneficial owners, and authorized persons.

For more information, check the API reference.

2. Business documents: Used to store the documents of a business' legal entity.

For more information, check the API reference.

Required documents

The following sections include the required documents you need to collect based on the product, customer type, and country:

Digital Banking & Cards

For Digital Banking & Cards products, you need to collect the following documents:

Retail customers (B2C)

Solaris only requires specific documents from B2C customers in France:

To open an account with a French IBAN (branch: FR), you must collect a proof of address from your customers.

The following documents are accepted as a proof of address:

Business customers (B2B)

For business customers, you need to collect the documents required according to the business' legal form:

The following table includes the required documents for identification for each legal form:

:::note

• For all registered Legal Forms, the Customers are prompted to input their business data: registration_number registration_issuer Once the Customer enters this data correctly, Solaris will be able to pull the required company documents automatically without the need to request this data to the Customer during the onboarding flow. :::

:::warning Failure to provide this data accurately (registration_number and registration_issuer), will result in the failure of Solaris’s document retrieval automation and documents will be requested manually from the Customer via the request information and request document endpoints.

Please note that Solaris may request further documents during the onboarding process depending on different factors, such as legal entities as beneficial owners, complex business structures and/or types of services offered. ::::

Freelancers

For freelancers, a proof of profession is required in all branches. In your sign-up flow, collect a proof of profession from the customer either during onboarding or within 30 days and create a document resource with a document_type of PROOF_OF_PROFESSION.

Solaris will manually review the submitted documents, and a successful onboarding will depend on Solaris' approval.

France:

The Sirene status notice Declaration of turnover.

Lending standalone

Depending on the lending product you're integrating, additional documents might be required, which are specifically used for the credit risk and scoring processes.

For more information, check the individual integration guides for each of the lending products here.