User Onboarding Data Requirements

Name

Validation:
Must begin with a letter and contain only letters (A–Z, a–z), hyphens (-), and spaces.

Length:
Maximum length is 200 characters for both.

Null Handling

• If a user has both a legal firstName and a legal lastName, both must be provided.
• If a user legally does not have a first name or does not have a last name, the missing field may be left null.

📘

Name validation also applies to "beneficiary" and "trusted contact" names.

Email

Length:
Maximum 255 characters.

Using industry-standard regex for pattern matching.
^(?![.])(?!.*[.]{2})[A-Za-z0-9._%+\-']{1,64}(?<![.])@(?!-)(?!.*[.]{2})[A-Za-z0-9.-]+(?<!-)\.[A-Za-z]{2,63}$

Address

street1, street2: Must only contain letters (a-z, A-Z), numbers (0-9), hyphen (-), period (.), comma (,), and spaces.

street1 is required; street2 is optional.

city: Must only contain letters (a-z, A-Z), hyphen (-) and space.

province:

• US addresses must provide a valid 2-letter state code
• Optional (to accommodate addresses without province code)

postalCode:

• US addresses must provide 5 digit postal code.
• Other countries' postal code is optional (to accommodate addresses without a postal code), must be 3 to 15 characters, allowing letters (a-z, A-Z), numbers (0-9), spaces.

Date of Birth

Age Limits:

• Minimum age: Must be 18 years or older.

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(US Only) Alabama residents who are only 18 must represent, as part of onboarding, that they are "of sound mind" and seek to open an account.

Citizenship, Country of Residency, and Tax Country

Must use the standard ISO3 code.

Identification

US Taxpayer (Natural Persons):

• Must provide SSN
• SSN must be a 9-digit number; no dashes or periods.

US Entities:

• US entities must provide EIN
• EIN must be a 9-digit number; no dashes are allowed

Foreign Individuals:

Must provide an ID, in priority order below:

• a taxpayer identification number:
  • allowed characters: a-z, A-Z, 0-9, blank (space), hyphen (-), comma (,), apostrophe ('), forward slash (/), period (.)
• a passport number and country of issuance.
  • allowed characters: a-z, A-Z, 0-9
• an alien identification card number:
  • allowed characters: a-z, A-Z, 0-9
• the number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard.
  • allowed characters: a-z, A-Z, 0-9

Foreign entities:

Must provide a tax identification number or other government-issued identification number

• allowed characters: a-z, A-Z, 0-9