> ## Documentation Index > Fetch the complete documentation index at: https://docs.rails.wayex.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a customer > Creates an individual or business customer under the current tenant account. ## What this endpoint does Creates an individual or business customer under the current tenant account. ## When to use it Create the customer before issuing verification or customer-owned payment routes. ## Before you call Use a secret API key with customer write access and supply a stable external reference or identity fields required by the request schema. ## Money and balance effect This changes a resource or configuration but does not directly reserve, debit, credit, or settle wallet money. ## States and completion Creation does not approve the customer. Verification and entitlements progress asynchronously. ## Safe retries Send a unique `Idempotency-Key` for the logical action. If the response is lost, retry the same payload with the same key; never create a new key merely because the first response timed out. Read [Customers](/console/customers) for the complete workflow. ## OpenAPI ````yaml /api-reference/openapi.json post /v1/customers openapi: 3.0.0 info: title: Wayex API description: >- Wayex APIs for direct customer payment routes and isolated, prefunded Treasury accounts. Each API key is bound to one tenant account and its own wallet, settings, webhooks, and reporting. version: 1.0.0 contact: {} servers: - url: https://api.sandbox.wayex.com description: Sandbox integration environment security: - Bearer: [] - ApiKey: [] tags: - name: Treasury description: >- Prefunded AUD and stablecoin wallets for one isolated tenant account. Fund, pay, convert, withdraw, track, and reconcile without selecting another account. - name: Customers description: >- Onboard end customers, run verification, and manage each customer's entitlements. - name: Payment routes description: >- Standing deposit instructions per customer. When a customer funds a route, Wayex auto-converts at the live rate and pays out/sends — no quote, no lock. - name: Transfers description: >- Read the conversion records produced when customers fund payment routes — the live activity feed and per-conversion lifecycle timeline. - name: Rates description: >- The live indicative AUD↔stablecoin rate right now — the all-in rate Wayex quotes. Indicative only; the binding price is struck when a route's funds land. - name: Revenue description: Your developer-fee revenue over time. - name: Invoices description: >- Your monthly invoices — Wayex platform fees due, net of your accrued developer-fee credit. - name: Webhooks description: Subscribe to HMAC-signed event webhooks and inspect deliveries. - name: API keys description: Create, list, and rotate API keys for programmatic access. - name: Fees description: >- Configure your developer fee — the markup withheld from each conversion and credited against your monthly invoice. - name: Invitations description: Accept a team invitation and activate your account. paths: /v1/customers: post: tags: - Customers summary: Create a customer description: >- Creates an individual or business customer under the current tenant account. Create the customer before issuing verification or customer-owned payment routes. operationId: CustomerController2_create_v1 parameters: - name: Idempotency-Key in: header required: true description: >- A unique key for this logical action. Reuse the same key and identical payload when retrying after an unknown response. schema: type: string minLength: 8 maxLength: 255 example: 13bda8d7-87bd-4fa4-b7d5-e740725f9bd2 requestBody: required: true content: application/json: schema: oneOf: - type: object properties: type: type: string enum: - business externalCustomerId: type: string minLength: 1 contact: type: object properties: email: description: The customer's contact email address. type: string format: email name: description: Optional display name for the customer. type: string minLength: 1 required: - email businessDetails: type: object properties: companyName: type: string minLength: 1 registrationNumber: type: string minLength: 1 country: type: string minLength: 1 required: - companyName - registrationNumber - country requestedEntitlements: type: array items: type: string enum: - aud_onramp - aud_offramp - payment_route - higher_limits default: - payment_route - aud_onramp - aud_offramp metadata: type: object additionalProperties: type: string required: - type - contact - businessDetails - type: object properties: type: type: string enum: - individual externalCustomerId: type: string minLength: 1 contact: type: object properties: email: description: The customer's contact email address. type: string format: email name: description: Optional display name for the customer. type: string minLength: 1 required: - email individualDetails: type: object properties: firstName: type: string minLength: 1 lastName: type: string minLength: 1 dob: type: string minLength: 1 nationality: type: string minLength: 1 country: type: string minLength: 1 required: - firstName - lastName - dob - nationality - country requestedEntitlements: type: array items: type: string enum: - aud_onramp - aud_offramp - payment_route - higher_limits default: - payment_route - aud_onramp - aud_offramp metadata: type: object additionalProperties: type: string required: - type - contact - type: object properties: email: description: >- The customer's email. Minimal onboarding: the customer self-completes verification. type: string format: email externalCustomerId: description: >- Your own identifier for this customer, echoed back for cross-referencing. type: string minLength: 1 name: description: Optional display name for the customer. type: string minLength: 1 requestedEntitlements: description: >- Capabilities to request; granted only once verification is approved. type: array items: type: string enum: - aud_onramp - aud_offramp - payment_route - higher_limits default: - payment_route - aud_onramp - aud_offramp metadata: type: object additionalProperties: type: string required: - email responses: '201': description: The created customer. content: application/json: schema: type: object properties: id: description: Unique Wayex identifier for this customer. type: string minLength: 1 counterpartyId: description: >- The client account (counterparty) this customer belongs to. For API callers this is always your own account id. type: string minLength: 1 externalCustomerId: description: >- Your own identifier for this customer, echoed back for cross-referencing. type: string minLength: 1 type: description: >- Whether the customer is an individual (natural person) or a business (legal entity). type: string enum: - individual - business contact: type: object properties: email: description: The customer's contact email address. type: string format: email name: description: Optional display name for the customer. type: string minLength: 1 required: - email businessDetails: type: object properties: companyName: type: string minLength: 1 registrationNumber: type: string minLength: 1 country: type: string minLength: 1 required: - companyName - registrationNumber - country individualDetails: type: object properties: firstName: type: string minLength: 1 lastName: type: string minLength: 1 dob: type: string minLength: 1 nationality: type: string minLength: 1 country: type: string minLength: 1 required: - firstName - lastName - dob - nationality - country verificationStatus: description: >- Current verification state. Value can only move on the customer's behalf once approved. type: string enum: - in_progress - approved - rejected - requires_action entitlements: description: >- The capabilities this customer is cleared for, granted as verification completes. type: array items: type: object properties: entitlement: type: string enum: - aud_onramp - aud_offramp - payment_route - higher_limits status: type: string enum: - in_progress - approved - rejected - requires_action required: - entitlement - status metadata: type: object additionalProperties: type: string createdAt: description: When the customer was created (ISO 8601). type: string format: date-time required: - id - counterpartyId - type - contact - verificationStatus - entitlements - createdAt '400': description: Validation failed (unknown or malformed fields). '401': description: Missing or invalid API key. '409': description: Idempotency-Key reused with a different request body. security: - Bearer: [] - ApiKey: [] components: securitySchemes: Bearer: type: http scheme: bearer bearerFormat: Wayex API key description: 'Send the same Wayex API key as `Authorization: Bearer `.' ApiKey: type: apiKey in: header name: X-Api-Key description: A Wayex API key. Use a secret key for write operations. ````