{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/AccountHolder",
  "title": "AccountHolder",
  "properties": {
    "account_token": {
      "description": "Globally unique identifier for the account.",
      "format": "uuid",
      "type": "string"
    },
    "beneficial_owner_individuals": {
      "description": "Only present when user_type == \"BUSINESS\".\nYou must submit a list of all direct and indirect individuals with 25% or more ownership in the company. A maximum of 4 beneficial owners can be submitted. If no individual owns 25% of the company you do not need to send beneficial owner information.\nSee [FinCEN requirements](https://www.fincen.gov/sites/default/files/shared/CDD_Rev6.7_Sept_2017_Certificate.pdf) (Section I) for more background on individuals that should be included.",
      "items": {
        "$ref": "#/components/schemas/AccountHolderIndividualResponse"
      },
      "minItems": 0,
      "type": "array"
    },
    "business_account_token": {
      "description": "Only applicable for customers using the KYC-Exempt workflow to enroll authorized users of businesses. Pass the account_token of the enrolled business associated with the AUTHORIZED_USER in this field.",
      "format": "uuid",
      "type": "string"
    },
    "business_entity": {
      "$ref": "#/components/schemas/AccountHolderBusinessResponse",
      "description": "Only present when user_type == \"BUSINESS\". Information about the business for which the account is being opened and KYB is being run."
    },
    "control_person": {
      "$ref": "#/components/schemas/AccountHolderIndividualResponse",
      "description": "Only present when user_type == \"BUSINESS\".\nAn individual with significant responsibility for managing the legal entity (e.g., a Chief Executive Officer, Chief Financial Officer, Chief Operating Officer,\nManaging Member, General Partner, President, Vice President, or Treasurer). This can be an executive, or someone who will have program-wide access\nto the cards that Lithic will provide. In some cases, this individual could also be a beneficial owner listed above.\n"
    },
    "created": {
      "description": "Timestamp of when the account holder was created.",
      "format": "date-time",
      "type": "string"
    },
    "email": {
      "description": "(Deprecated. Use control_person.email when user_type == \"BUSINESS\". Use individual.phone_number when user_type == \"INDIVIDUAL\".)\nPrimary email of Account Holder.\n",
      "example": "+15555555555",
      "type": "string"
    },
    "exemption_type": {
      "description": "The type of KYC exemption for a KYC-Exempt Account Holder.",
      "enum": [
        "AUTHORIZED_USER",
        "PREPAID_CARD_USER"
      ],
      "type": "string"
    },
    "external_id": {
      "description": "Customer-provided token that indicates a relationship with an object outside of the Lithic ecosystem.",
      "type": "string"
    },
    "individual": {
      "$ref": "#/components/schemas/AccountHolderIndividualResponse",
      "description": "Only present when user_type == \"INDIVIDUAL\". Information about the individual for which the account is being opened and KYC is being run."
    },
    "naics_code": {
      "description": "Only present when user_type == \"BUSINESS\". 6-digit North American Industry Classification System (NAICS) code for the business.",
      "type": "string"
    },
    "nature_of_business": {
      "description": "Only present when user_type == \"BUSINESS\". User-submitted description of the business.",
      "type": "string"
    },
    "phone_number": {
      "description": "(Deprecated. Use control_person.phone_number when user_type == \"BUSINESS\". Use individual.phone_number when user_type == \"INDIVIDUAL\".)\nPrimary phone of Account Holder, entered in E.164 format.\n",
      "example": "+15555555555",
      "type": "string"
    },
    "status": {
      "description": "(Deprecated. Use verification_application.status instead)\n\nKYC and KYB evaluation states.\n\nNote:\n* `PENDING_REVIEW` is only applicable for the `KYB_BASIC` workflow.\n",
      "enum": [
        "ACCEPTED",
        "PENDING_REVIEW",
        "PENDING_DOCUMENT",
        "PENDING_RESUBMIT",
        "REJECTED"
      ],
      "type": "string"
    },
    "status_reasons": {
      "description": "(Deprecated. Use verification_application.status_reasons)\n\nReason for the evaluation status.\n",
      "items": {
        "enum": [
          "ADDRESS_VERIFICATION_FAILURE",
          "AGE_THRESHOLD_FAILURE",
          "COMPLETE_VERIFICATION_FAILURE",
          "DOB_VERIFICATION_FAILURE",
          "ID_VERIFICATION_FAILURE",
          "MAX_DOCUMENT_ATTEMPTS",
          "MAX_RESUBMISSION_ATTEMPTS",
          "NAME_VERIFICATION_FAILURE",
          "OTHER_VERIFICATION_FAILURE",
          "RISK_THRESHOLD_FAILURE",
          "WATCHLIST_ALERT_FAILURE"
        ],
        "type": "string"
      },
      "type": "array"
    },
    "token": {
      "description": "Globally unique identifier for the account holder.",
      "format": "uuid",
      "type": "string"
    },
    "user_type": {
      "description": "The type of Account Holder. If the type is \"INDIVIDUAL\", the \"individual\" attribute will be present.\nIf the type is \"BUSINESS\" then the \"business_entity\", \"control_person\", \"beneficial_owner_individuals\", \"naics_code\", \"nature_of_business\", and \"website_url\" attributes will be present.",
      "enum": [
        "BUSINESS",
        "INDIVIDUAL"
      ],
      "type": "string"
    },
    "verification_application": {
      "$ref": "#/components/schemas/AccountHolderVerificationApplication",
      "description": "Information about the most recent identity verification attempt"
    },
    "required_documents": {
      "description": "Only present for \"KYB_BASIC\" workflow. A list of documents required for the account holder to be approved.",
      "type": "array",
      "items": {
        "$ref": "#/components/schemas/required-document"
      }
    },
    "website_url": {
      "description": "Only present when user_type == \"BUSINESS\". Business's primary website.",
      "type": "string"
    }
  },
  "required": [
    "token",
    "created"
  ],
  "type": "object"
}