Update account holder information and possibly resubmit for evaluation

Account Holder Token

UUID

Required: Globally unique identifier for the account holder.

Business Patch Request

Individual Patch Request

Legacy Patch Request

Response Status

200 OK

Patch Response

Token: uuid - Globally unique identifier for the account holder.
Account Token: uuid - Globally unique identifier for the account.
Business Account Token: uuid | null - Applicable for customers using the KYC-Exempt workflow to enroll authorized users of businesses.
Created: date-time - Timestamp of when the account holder was created.
Exemption Type: string - The type of KYC exemption for a KYC-Exempt Account Holder. null if not KYC-Exempt.
- Values: AUTHORIZED_USER, PREPAID_CARD_USER
External ID: string - Customer-provided token that indicates a relationship with an object outside of the Lithic ecosystem.
User Type: string - The type of Account Holder.
- Values: BUSINESS, INDIVIDUAL

Verification Application

Object: Information about the most recent identity verification attempt
- Created: date-time - Timestamp of when the application was created.
- Status: string - KYC and KYB evaluation states.
  - Note: PENDING_RESUBMIT and PENDING_DOCUMENT are only applicable for the ADVANCED workflow.
- Status Reasons: array of objects - Reasons for the evaluation status.

Status Reasons

Enumerated values:
- ADDRESS_VERIFICATION_FAILURE
- AGE_THRESHOLD_FAILURE
- COMPLETE_VERIFICATION_FAILURE
- ... (other reasons)
Updated: date-time - Timestamp of when the application was last updated.
KYC Passed At: date-time - Timestamp of when the application passed the verification process, only present if status is ACCEPTED.

Individual Information (User Type: INDIVIDUAL)

Address: Individual's current address - Only USA addresses are currently supported.
DOB: string - Individual's date of birth, as an RFC 3339 date.
Email: string - Individual's email address, may be used for chargeback processing.
First Name: string - As it appears on government-issued identity documents.
Last Name: string - As it appears on government-issued identity documents.
Phone Number: string - Entered in E.164 format.

Business Entity (User Type: BUSINESS)

Address: Business's physical address - Only USA addresses are currently supported.
DBA Business Name: string - Name that the business operates under.
Government ID: string - Government-issued identification number.
Legal Business Name: string - Legal (formal) business name.
Parent Company: string | null - Parent company name, if applicable.
Phone Numbers: array of strings - One or more of the business's phone numbers, in E.164 format.

Beneficial Owner Individuals (User Type: BUSINESS)

Array of Objects: Must submit a list of all individuals with 25% or more ownership in the company.

Control Person (User Type: BUSINESS)

Address: Control person's current address.
DOB: string - Individual's date of birth.
Email: string - Control person's email address.
First Name: string
Last Name: string
Phone Number: string

NAICS Code

String - 6-digit North American Industry Classification System code for the business.

Nature of Business

String - User-submitted description of the business.

Website URL

String - Business's primary website.

Status Information

Status: string - KYC and KYB evaluation states.
Status Reasons: array of objects - Reason for the evaluation status.

Required Documents

Array of Objects - List of documents required for the account holder to be approved.

Example CURL Request

curl --request PATCH \
     --url https://sandbox.lithic.com/v1/account_holders/account_holder_token \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
  "business_entity": {
    "entity_token": "83cf25ae-c14f-4d10-9fa2-0119f36c7286",
    "address": {
      "postal_code": "61023"
    }
  },
  "control_person": {
    "entity_token": "fd771a07-c5c2-42f3-a53c-a6c79c6c0d07",
    "address": {
      "postal_code": "68023"
    }
  },
  "naics_code": "541512",
  "website_url": "https://www.mynewbusiness.com"
}'

Example 200 Response

{
  "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "business_account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "created": "2026-07-18T03:11:37.415Z",
  "exemption_type": "AUTHORIZED_USER",
  "external_id": "string",
  "user_type": "BUSINESS",
  "verification_application": {
    "created": "2026-07-18T03:11:37.415Z",
    "status": "ACCEPTED",
    "status_reasons": ["ADDRESS_VERIFICATION_FAILURE"],
    "updated": "2026-07-18T03:11:37.415Z",
    "ky_passed_at": "2026-07-18T03:11:37.415Z"
  },
  "individual": {
    "address": {
      "address1": "123 Old Forest Way",
      "address2": "string",
      "city": "Omaha",
      "country": "USA",
      "postal_code": "68022",
      "state": "NE"
    },
    "dob": "1991-03-08 08:00:00",
    "email": "tom@middle-earth.com",
    "first_name": "Tom",
    "last_name": "Bombadil",
    "phone_number": "+15555555555"
  },
  "business_entity": {
    "address": {
      "address1": "123 Old Forest Way",
      "address2": "string",
      "city": "Omaha",
      "country": "USA",
      "postal_code": "68022",
      "state": "NE"
    },
    "dba_business_name": "string",
    "government_id": "114-123-1513",
    "legal_business_name": "Acme, Inc.",
    "parent_company": "string",
    "phone_numbers": ["+15555555555"]
  },
  "beneficial_owner_individuals": [{
    "address": {
      "address1": "123 Old Forest Way",
      "address2": "string",
      "city": "Omaha",
      "country": "USA",
      "postal_code": "68022",
      "state": "NE"
    },
    "dob": "1991-03-08 08:00:00",
    "email": "tom@middle-earth.com",
    "first_name": "Tom",
    "last_name": "Bombadil",
    "phone_number": "+15555555555"
  }],
  "control_person": {
    "address": {
      "address1": "123 Old Forest Way",
      "address2": "string",
      "city": "Omaha",
      "country": "USA",
      "postal_code": "68022",
      "state": "NE"
    },
    "dob": "1991-03-08 08:00:00",
    "email": "tom@middle-earth.com",
    "first_name": "Tom",
    "last_name": "Bombadil",
    "phone_number": "+15555555555"
  },
  "naics_code": "string",
  "nature_of_business": "string",
  "website_url": "string",
  "email": "string",
  "phone_number": "string",
  "status": "ACCEPTED",
  "status_reasons": ["ADDRESS_VERIFICATION_FAILURE"],
  "required_documents": [{
    "entity_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "valid_documents": ["string"],
    "status_reasons": ["string"]
  }]
}

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Updated 3 months ago.