Onboarding Flow

The onboarding process registers a borrower's business for KYB verification. Once the merchant reaches active status, submit the loan — see Loan Flow.

Flow Overview

Step 1: Register Borrower & Merchant

Call Onboarding Personal with the borrower's identity and merchant (business) profile.

QFAST creates the borrower and merchant records, initiates KYB verification, and updates the merchant status to kyb_submitted.

Store the merchant_id from the response — you'll need it for loan submission.

Step 2: Wait for KYB Result

KYB verification is asynchronous. QFAST notifies you via webhook when the status changes.

Recommended: Handle the kyb.status_updated webhook — see Onboarding Webhooks.

Alternative: Poll Get Onboarding Status until onboarding_status reaches active or a terminal state.

KYB Outcomes

Status	What to Do
`pending` / `kyb_processing`	Wait for status update via webhook or polling.
`active`	Proceed to Submit Loan.
`kyb_revision_needed`	Correct identified fields and resubmit before the deadline (see Step 3).
`kyb_rejected`	Submit a new application (contact support for guidance on data requirements).
`suspended`	Contact support for resolution.

Loan submission is only allowed when onboarding_status = active. Wait for the merchant.activated webhook before calling Submit Loan.

Step 3: Handle KYB Revision (If Needed)

When onboarding_status reaches kyb_revision_needed, corrections are required before the application can proceed.

Extract rejection details from the kyb.status_updated webhook payload or via Get Onboarding Status — the rejected_entities array lists each failed entity and reason.

Correct the flagged fields in your system.

Resubmit by calling Onboarding Personal using the same borrower email and phone number before the kyb_revision_deadline. This links the resubmission to the existing application.

Wait for KYB approval — QFAST dispatches a new kyb.status_updated webhook when verification completes.

Next Steps

Loan Flow — Submit a loan after merchant reaches active status.

Onboarding Webhooks — Event payload reference for kyb.status_updated and merchant.activated.

Area Reference — Valid area_id reference for merchant registration.

Flow Overview#

Step 1: Register Borrower & Merchant#

Step 2: Wait for KYB Result#

KYB Outcomes#