Documentation Index
Fetch the complete documentation index at: https://docs.equalsmoney.com/llms.txt
Use this file to discover all available pages before exploring further.
Create an account
To create an account with Equals Money, you’ll need to submit details about the business or person you’re onboarding. The Onboarding API supports two types of applications, each with its own dedicated guide.Choose your guide
| Account type | Description | Guide |
|---|---|---|
| Personal account | For individuals opening a personal account (type: 'INDIVIDUAL') | Create a personal account |
| Business account | For business entities e.g. (type: 'PRIVATE_COMPANY', 'SOLE_TRADER', …) | Create a business account |
KYC models
Equals Money supports three KYC models. Your assigned model depends on your regulatory status, technical capabilities, and is agreed during your project scoping phase:| Model | Who handles verification |
|---|---|
| Managed by Equals | Equals Money handles all onboarding compliance checks. This includes a Guided identity verification check where your customer completes a liveness check and document upload. |
| Hybrid | End Users complete the onboarding journey in your experience, and you submit the collected information and documents to Equals Money. Equals Money carries out its own checks and may request additional documentation before approval. |
| Delegated | You handle the onboarding and compliance checks on your end users. All onboarding information and documents are shared with Equals when approved applications are submitted. Equals Money will still run checks and may still request additional documents. |
Sandbox Note: To allow testing in Sandbox, if you have the Managed by Equals model, the Guided identity verification checks will mirror production.
Next steps
Choose the guide that matches your use case:- Create a personal account — For individual/personal accounts
- Create a business account — For private companies, sole traders, and other business entities