POST/application/submit-individual-plus

Upsert Individual Plus Application

Creates or updates an Individual Plus application. The applicant is the application — submit-individual and remove-individual do not apply to this form type.

Create: Omit Individual.Id or set it to ull. A new Individual Plus application is created.
Update: Include Individual.Id (returned from the create response) and Individual.Version. The entire form is fully replaced — send the full payload every time.

Key rules:

Email is required on create, must be globally unique, and is immutable (ignored on update).
Ssn (9 chars, no hyphens) is required for US individuals; TaxId is required for non-US individuals.
CardAvail determines Visa debit card eligibility.

Optimistic locking: Send Individual.Version from the last response on update. Stale value → dirty_update.

Headers

Field	Type	Required	Possible values	Description
`session-token`	string	Required	—	SessionToken obtained from the Create GMA Session endpoint. All secured endpoints require this header.

Request body

Field	Type	Required	Possible values	Description
`Individual`	object	Required	—	The Individual Plus applicant payload (`BrokerIndividualPlus`). Send the full form on every submit.
`Individual.FirstName`	string	Required	—	First name.
`Individual.LastName`	string	Required	—	Last name.
`Individual.MotherMaidenName`	string	Required	—	Mother's maiden name. Min 2, Max 50 characters.
`Individual.Email`	string	Required	—	Email address. Required on create; immutable thereafter (ignored on re-submit). Must be globally unique.
`Individual.Dob`	string	Required	e.g. 19900131	Date of birth. Format: `yyyyMMdd`.
`Individual.Gender`	string	Required	Male \| Female \| Gender_X	Gender.
`Individual.Nationality`	string	Required	e.g. US \| GB \| DE	Nationality. ISO 3166-1 alpha-2.
`Individual.MobileCountryCode`	integer	Required	e.g. 1	International dialing code for `MobilePhone` (e.g. `1` for US, `44` for UK).
`Individual.MobilePhone`	string	Required	—	Mobile phone number (digits only, no hyphens).
`Individual.Address`	object	Required	—	Residential address.
`Individual.Address.Street`	string	Required	—	Street name. Max 40 characters.
`Individual.Address.BuildingNumber`	string	Required	—	Building or apartment number. Max 40 characters.
`Individual.Address.City`	string	Required	—	City. Min 2, Max 40 characters.
`Individual.Address.State`	string	Required	—	State or province. Min 2, Max 40 characters.
`Individual.Address.PinCode`	string	Required	—	Postal / ZIP code. Min 2, Max 40 characters.
`Individual.Address.Country`	string	Required	e.g. US \| GB \| DE	Country. ISO 3166-1 alpha-2 (e.g. `US`, `GB`).
`Individual.HasBankAccount`	boolean	Required	—	Does the applicant have an existing bank account?
`Individual.HasCriminalRecord`	boolean	Required	—	Does the applicant have a criminal record?
`Individual.IsPoliticallyExposed`	boolean	Required	—	Is the applicant a politically exposed person (PEP)?
`Individual.EmploymentStatus`	string (enum)	Required	Employed \| Employed_Variable_Wages \| Self_Employed \| Unemployed \| Retired	Employment status.
`Individual.AnnualSalary`	number	Required	—	Annual salary in USD.
`Individual.PurposeOfAccount`	string (enum)	Required	daily_expenses \| family_expenses \| personal_banking \| trading \| travel_expenses \| savings \| emergency_funds \| special_purpose \| other	Primary purpose for opening the account.
`Individual.SourcesOfWealth`	array<string> (enum)	Required	Inheritance \| Employment \| Business_Gains \| Sale_Property_Assets \| Own_business_Proceeds \| insurance_income \| lifetime_savings \| lottery_or_gaming \| retirement \| Litigation_Proceeds \| Rental_Contract	Source(s) of wealth (multi-select).
`Individual.DepositLocations`	array<string> (enum)	Required	us \| ca \| eu \| asia \| cn \| south_america \| central_america \| caribbean \| africa \| australia_nz \| middle_east	Regions from which deposits will originate.
`Individual.PaymentLocations`	array<string> (enum)	Required	us \| ca \| eu \| asia \| cn \| south_america \| central_america \| caribbean \| africa \| australia_nz \| middle_east	Regions to which payments will be made.
`Individual.InterestedInCrypto`	boolean	Required	—	Is the applicant interested in cryptocurrency?
`Individual.HasCoinConversionPlan`	boolean	Required	—	Does the applicant plan to convert stablecoins to/from fiat (USDC, USDT, etc.)?
`Individual.HasCryptoConversionPlan`	boolean	Required	—	Does the applicant plan to convert cryptocurrencies to/from fiat (BTC, ETH, etc.)?
`Individual.AmountOfInitialDeposit`	number	Required	—	Expected initial deposit amount (USD).
`Individual.AverageBalance`	number	Required	—	Expected average balance (USD).
`Individual.NumberOfMonthlyAchDeposits`	number	Required	—	Expected monthly ACH deposit count.
`Individual.AmountOfMonthlyAchDeposits`	number	Required	—	Expected monthly ACH deposit amount (USD).
`Individual.NumberOfMonthlyDomesticWireDeposits`	number	Required	—	Expected monthly domestic wire deposit count.
`Individual.AmountOfMonthlyDomesticWireDeposits`	number	Required	—	Expected monthly domestic wire deposit amount (USD).
`Individual.NumberOfMonthlyInternationalWireDeposits`	number	Required	—	Expected monthly international wire deposit count.
`Individual.AmountOfMonthlyInternationalWireDeposits`	number	Required	—	Expected monthly international wire deposit amount (USD).
`Individual.NumberOfMonthlyAchPayments`	number	Required	—	Expected monthly ACH payment count.
`Individual.AmountOfMonthlyAchPayments`	number	Required	—	Expected monthly ACH payment amount (USD).
`Individual.NumberOfMonthlyDomesticWirePayments`	number	Required	—	Expected monthly domestic wire payment count.
`Individual.AmountOfMonthlyDomesticWirePayments`	number	Required	—	Expected monthly domestic wire payment amount (USD).
`Individual.NumberOfMonthlyInternationalWirePayments`	number	Required	—	Expected monthly international wire payment count.
`Individual.AmountOfMonthlyInternationalWirePayments`	number	Required	—	Expected monthly international wire payment amount (USD).
`Individual.NumberOfMonthlyStablecoinConversionsDeposits`	number	Required	—	Expected monthly stablecoin deposit count.
`Individual.AmountOfMonthlyStablecoinConversionsDeposits`	number	Required	—	Expected monthly stablecoin deposit amount.
`Individual.NumberOfMonthlyStablecoinConversionsPayments`	number	Required	—	Expected monthly stablecoin payment count.
`Individual.AmountOfMonthlyStablecoinConversionsPayments`	number	Required	—	Expected monthly stablecoin payment amount.
`Individual.CountOfMonthlyCryptocurrencyConversions`	number	Required	—	Expected monthly cryptocurrency conversion count.
`Individual.AmountOfMonthlyCryptocurrencyConversions`	number	Required	—	Expected monthly cryptocurrency conversion amount.
`Individual.Id`	string \| null	Optional	—	`null` or absent to create. Set to the `Id` from a previous response to re-submit.
`Individual.Version`	integer	Optional	—	Optimistic lock version. Send the `Version` from the last response on re-submit. Stale value → `dirty_update` (400).
`Individual.MiddleName`	string	Optional	—	Middle name. Max 50 characters.
`Individual.CountryOfBirth`	string	Optional	e.g. US	Country of birth. ISO 3166-1 alpha-2.
`Individual.TaxId`	string	Optional	—	Tax ID number. Required for non-US individuals.
`Individual.Ssn`	string	Optional	—	Social Security Number (9 digits, no hyphens). Required when `Nationality` or `Address.Country` is `US`.
`Individual.Card`	number	Optional	e.g. 1	Card preference flag (e.g. `1`). Used with address country for Visa debit card eligibility.
`Individual.MailingAddress`	object	Optional	—	Mailing address. Same shape as `Individual.Address`.
`Individual.MailingAddress.Street`	string	Optional	—	Street name
`Individual.MailingAddress.BuildingNumber`	string	Optional	—	Building or house number
`Individual.MailingAddress.City`	string	Optional	—	City name
`Individual.MailingAddress.State`	string	Optional	—	State or province name
`Individual.MailingAddress.PinCode`	string	Optional	—	Postal or ZIP code
`Individual.MailingAddress.Country`	string	Optional	—	ISO Alpha-2 country code (e.g. `US`)
`Individual.CriminalRecordDetail`	string	Optional	—	Details of the criminal record. Required when `HasCriminalRecord` is `true`.
`Individual.EmploymentIndustry`	string (enum)	Optional	agriculture \| mining \| utilities \| construction \| manufacturing \| wholesale \| retail \| transportation \| information \| finance \| real \| professional \| management \| administrative \| educational \| health \| arts \| accommodation \| other \| public	Employment industry. Required when `EmploymentStatus` is `Employed` or `Employed_Variable_Wages`.
`Individual.CardAvail`	boolean	Optional	—	Does the applicant want a Visa debit card? The internal card flag is derived from this value and the address country.

Example request

{
  "Individual": {
    "Id": null,
    "FirstName": "Ada",
    "MiddleName": "Mary",
    "LastName": "Lovelace",
    "Email": "ada@example.com",
    "Dob": "19900131",
    "Gender": "female",
    "Nationality": "GB",
    "CountryOfBirth": "GB",
    "MotherMaidenName": "Byron",
    "MobileCountryCode": 44,
    "MobilePhone": "7700900123",
    "TaxId": "QQ123456C",
    "Ssn": null,
    "Address": {
      "Street": "Baker Street",
      "BuildingNumber": "221B",
      "City": "London",
      "State": "London",
      "PinCode": "NW1 6XE",
      "Country": "GB"
    },
    "HasBankAccount": true,
    "HasCriminalRecord": false,
    "CriminalRecordDetail": null,
    "IsPoliticallyExposed": false,
    "EmploymentStatus": "Employed",
    "EmploymentIndustry": "finance",
    "AnnualSalary": 90000,
    "PurposeOfAccount": "savings",
    "SourcesOfWealth": [
      "Employment",
      "Inheritance"
    ],
    "DepositLocations": [
      "us",
      "eu"
    ],
    "PaymentLocations": [
      "us",
      "eu"
    ],
    "InterestedInCrypto": true,
    "HasCoinConversionPlan": false,
    "HasCryptoConversionPlan": false,
    "CardAvail": true,
    "AmountOfInitialDeposit": 10000,
    "AverageBalance": 50000,
    "NumberOfMonthlyAchDeposits": 5,
    "AmountOfMonthlyAchDeposits": 10000,
    "NumberOfMonthlyDomesticWireDeposits": 3,
    "AmountOfMonthlyDomesticWireDeposits": 20000,
    "NumberOfMonthlyInternationalWireDeposits": 2,
    "AmountOfMonthlyInternationalWireDeposits": 15000,
    "NumberOfMonthlyAchPayments": 4,
    "AmountOfMonthlyAchPayments": 8000,
    "NumberOfMonthlyDomesticWirePayments": 3,
    "AmountOfMonthlyDomesticWirePayments": 12000,
    "NumberOfMonthlyInternationalWirePayments": 1,
    "AmountOfMonthlyInternationalWirePayments": 5000,
    "NumberOfMonthlyStablecoinConversionsDeposits": 2,
    "AmountOfMonthlyStablecoinConversionsDeposits": 4000,
    "NumberOfMonthlyStablecoinConversionsPayments": 2,
    "AmountOfMonthlyStablecoinConversionsPayments": 4000,
    "CountOfMonthlyCryptocurrencyConversions": 1,
    "AmountOfMonthlyCryptocurrencyConversions": 2000,
    "Card": 1,
    "MailingAddress": {
      "Street": "Baker Street",
      "BuildingNumber": "221B",
      "City": "London",
      "State": "London",
      "PinCode": "NW1 6XE",
      "Country": "GB"
    }
  }
}

{
  "Individual": {
    "Id": null,
    "FirstName": "Ada",
    "MiddleName": "Mary",
    "LastName": "Lovelace",
    "Email": "ada@example.com",
    "Dob": "19900131",
    "Gender": "female",
    "Nationality": "GB",
    "CountryOfBirth": "GB",
    "MotherMaidenName": "Byron",
    "MobileCountryCode": 44,
    "MobilePhone": "7700900123",
    "TaxId": "QQ123456C",
    "Ssn": null,
    "Address": {
      "Street": "Baker Street",
      "BuildingNumber": "221B",
      "City": "London",
      "State": "London",
      "PinCode": "NW1 6XE",
      "Country": "GB"
    },
    "HasBankAccount": true,
    "HasCriminalRecord": false,
    "CriminalRecordDetail": null,
    "IsPoliticallyExposed": false,
    "EmploymentStatus": "Employed",
    "EmploymentIndustry": "finance",
    "AnnualSalary": 90000,
    "PurposeOfAccount": "savings",
    "SourcesOfWealth": [
      "Employment",
      "Inheritance"
    ],
    "DepositLocations": [
      "us",
      "eu"
    ],
    "PaymentLocations": [
      "us",
      "eu"
    ],
    "InterestedInCrypto": true,
    "HasCoinConversionPlan": false,
    "HasCryptoConversionPlan": false,
    "CardAvail": true,
    "AmountOfInitialDeposit": 10000,
    "AverageBalance": 50000,
    "NumberOfMonthlyAchDeposits": 5,
    "AmountOfMonthlyAchDeposits": 10000,
    "NumberOfMonthlyDomesticWireDeposits": 3,
    "AmountOfMonthlyDomesticWireDeposits": 20000,
    "NumberOfMonthlyInternationalWireDeposits": 2,
    "AmountOfMonthlyInternationalWireDeposits": 15000,
    "NumberOfMonthlyAchPayments": 4,
    "AmountOfMonthlyAchPayments": 8000,
    "NumberOfMonthlyDomesticWirePayments": 3,
    "AmountOfMonthlyDomesticWirePayments": 12000,
    "NumberOfMonthlyInternationalWirePayments": 1,
    "AmountOfMonthlyInternationalWirePayments": 5000,
    "NumberOfMonthlyStablecoinConversionsDeposits": 2,
    "AmountOfMonthlyStablecoinConversionsDeposits": 4000,
    "NumberOfMonthlyStablecoinConversionsPayments": 2,
    "AmountOfMonthlyStablecoinConversionsPayments": 4000,
    "CountOfMonthlyCryptocurrencyConversions": 1,
    "AmountOfMonthlyCryptocurrencyConversions": 2000,
    "Card": 1,
    "MailingAddress": {
      "Street": "Baker Street",
      "BuildingNumber": "221B",
      "City": "London",
      "State": "London",
      "PinCode": "NW1 6XE",
      "Country": "GB"
    }
  }
}

Email and MobilePhone must be globally unique. A 400 error is returned for duplicates.

A 423 Application Locked response is returned when the application is in a locked or final status.

Response

Field	Type	Possible values	Description
`ResponseCode`	integer	200 \| 201 \| 204 \| 301 \| 400 \| 401 \| 403 \| 404 \| 410 \| 422 \| 500 \| 503	API result code in the response envelope. Indicates success or the error category (e.g. 200 success, 400 bad request, 401 unauthorized).
`ResponseMessage`	string	Success \| Created \| NoContent \| BadRequest \| Unauthorized \| Forbidden \| NotFound \| Gone \| UnprocessableContent \| ServerError \| ResourceMoved \| ServiceUnAvailable \| UnProcessableEntity	Human-readable label paired with ResponseCode (e.g. Success, BadRequest, Unauthorized). Use with ResponseCode to interpret the outcome.
`ResponseData`	object	Please refer to below example for response body	The saved Individual Plus record. Use `Id` and `Version` on subsequent re-submits.

Example response

{
  "ResponseCode": 200,
  "ResponseMessage": "Success",
  "ResponseData": {
    "Version": 0,
    "Id": "6a575a07e557d865e3095b0a",
    "CreatedAt": 1784109575,
    "UpdatedAt": 1784109575,
    "FirstName": "Ada",
    "MiddleName": "Mary",
    "LastName": "Lovelace",
    "Email": "ada@example.com",
    "Dob": "19900131",
    "Gender": "female",
    "Nationality": "GB",
    "CountryOfBirth": "GB",
    "MotherMaidenName": "Byron",
    "MobileCountryCode": 44,
    "MobilePhone": "7700900123",
    "TaxId": "QQ123456C",
    "Address": {
      "Street": "Baker Street",
      "BuildingNumber": "221B",
      "City": "London",
      "State": "London",
      "PinCode": "NW1 6XE",
      "Country": "GB"
    },
    "HasBankAccount": true,
    "HasCriminalRecord": false,
    "IsPoliticallyExposed": false,
    "EmploymentStatus": "Employed",
    "EmploymentIndustry": "finance",
    "AnnualSalary": 90000,
    "PurposeOfAccount": "savings",
    "SourcesOfWealth": [
      "Employment",
      "Inheritance"
    ],
    "DepositLocations": [
      "us",
      "eu"
    ],
    "PaymentLocations": [
      "us",
      "eu"
    ],
    "InterestedInCrypto": true,
    "HasCoinConversionPlan": false,
    "HasCryptoConversionPlan": false,
    "CardAvail": true,
    "AmountOfInitialDeposit": 10000,
    "AverageBalance": 50000,
    "NumberOfMonthlyAchDeposits": 5,
    "AmountOfMonthlyAchDeposits": 10000,
    "NumberOfMonthlyDomesticWireDeposits": 3,
    "AmountOfMonthlyDomesticWireDeposits": 20000,
    "NumberOfMonthlyInternationalWireDeposits": 2,
    "AmountOfMonthlyInternationalWireDeposits": 15000,
    "NumberOfMonthlyAchPayments": 4,
    "AmountOfMonthlyAchPayments": 8000,
    "NumberOfMonthlyDomesticWirePayments": 3,
    "AmountOfMonthlyDomesticWirePayments": 12000,
    "NumberOfMonthlyInternationalWirePayments": 1,
    "AmountOfMonthlyInternationalWirePayments": 5000,
    "NumberOfMonthlyStablecoinConversionsDeposits": 2,
    "AmountOfMonthlyStablecoinConversionsDeposits": 4000,
    "NumberOfMonthlyStablecoinConversionsPayments": 2,
    "AmountOfMonthlyStablecoinConversionsPayments": 4000,
    "CountOfMonthlyCryptocurrencyConversions": 1,
    "AmountOfMonthlyCryptocurrencyConversions": 2000
  }
}

{
  "ResponseCode": 200,
  "ResponseMessage": "Success",
  "ResponseData": {
    "Version": 0,
    "Id": "6a575a07e557d865e3095b0a",
    "CreatedAt": 1784109575,
    "UpdatedAt": 1784109575,
    "FirstName": "Ada",
    "MiddleName": "Mary",
    "LastName": "Lovelace",
    "Email": "ada@example.com",
    "Dob": "19900131",
    "Gender": "female",
    "Nationality": "GB",
    "CountryOfBirth": "GB",
    "MotherMaidenName": "Byron",
    "MobileCountryCode": 44,
    "MobilePhone": "7700900123",
    "TaxId": "QQ123456C",
    "Address": {
      "Street": "Baker Street",
      "BuildingNumber": "221B",
      "City": "London",
      "State": "London",
      "PinCode": "NW1 6XE",
      "Country": "GB"
    },
    "HasBankAccount": true,
    "HasCriminalRecord": false,
    "IsPoliticallyExposed": false,
    "EmploymentStatus": "Employed",
    "EmploymentIndustry": "finance",
    "AnnualSalary": 90000,
    "PurposeOfAccount": "savings",
    "SourcesOfWealth": [
      "Employment",
      "Inheritance"
    ],
    "DepositLocations": [
      "us",
      "eu"
    ],
    "PaymentLocations": [
      "us",
      "eu"
    ],
    "InterestedInCrypto": true,
    "HasCoinConversionPlan": false,
    "HasCryptoConversionPlan": false,
    "CardAvail": true,
    "AmountOfInitialDeposit": 10000,
    "AverageBalance": 50000,
    "NumberOfMonthlyAchDeposits": 5,
    "AmountOfMonthlyAchDeposits": 10000,
    "NumberOfMonthlyDomesticWireDeposits": 3,
    "AmountOfMonthlyDomesticWireDeposits": 20000,
    "NumberOfMonthlyInternationalWireDeposits": 2,
    "AmountOfMonthlyInternationalWireDeposits": 15000,
    "NumberOfMonthlyAchPayments": 4,
    "AmountOfMonthlyAchPayments": 8000,
    "NumberOfMonthlyDomesticWirePayments": 3,
    "AmountOfMonthlyDomesticWirePayments": 12000,
    "NumberOfMonthlyInternationalWirePayments": 1,
    "AmountOfMonthlyInternationalWirePayments": 5000,
    "NumberOfMonthlyStablecoinConversionsDeposits": 2,
    "AmountOfMonthlyStablecoinConversionsDeposits": 4000,
    "NumberOfMonthlyStablecoinConversionsPayments": 2,
    "AmountOfMonthlyStablecoinConversionsPayments": 4000,
    "CountOfMonthlyCryptocurrencyConversions": 1,
    "AmountOfMonthlyCryptocurrencyConversions": 2000
  }
}

A 400 with `dirty_update` is returned when the `Individual.Version` is stale. A 400 with `record_not_found` is returned if the `Id` does not exist. A 423 is returned when the application is locked.

Requires `session-token: {SessionToken}` from Create GMA Session. Use the same client IP as authentication.