Simulate an account holder's enrollment review

Account Holder Token

account_holder_token

Type: string
The account holder which to perform the simulation upon.

status

Type: string (enum)
An account holder's status for use within the simulation.
Allowed Values: ACCEPTED, REJECTED, PENDING_REVIEW

status_reasons

Type: array of strings
Status reason that will be associated with the simulated account holder status. Only required for a REJECTED status.

Response Structure

200 OK

Type: object
- token: uuid
  - Globally unique identifier for the account holder.
- account_token: uuid
  - Globally unique identifier for the account.
- business_account_token: uuid | null
  - Only applicable for customers using the KYC-Exempt workflow to enroll authorized users of businesses. Pass the account_token of the enrolled business associated with the AUTHORIZED_USER in this field.
- created: date-time
  - Timestamp of when the account holder was created.
- exemption_type: string | null (enum)
  - The type of KYC exemption for a KYC-Exempt Account Holder. null if the account holder is not KYC-Exempt.
  - Allowed Values: AUTHORIZED_USER, PREPAID_CARD_USER
- external_id: string | null
  - Customer-provided token that indicates a relationship with an object outside of the Lithic ecosystem.
- user_type: string (enum)
  - The type of Account Holder. If the type is "INDIVIDUAL", the "individual" attribute will be present.
  - If the type is "BUSINESS" then the "business_entity", "control_person", "beneficial_owner_individuals", "naics_code", "nature_of_business", and "website_url" attributes will be present.
  - Allowed Values: BUSINESS, INDIVIDUAL
- verification_application: object
  - Information about the most recent identity verification attempt
  - created: date-time (required)
    - Timestamp of when the application was created.
  - status: string (enum) (required)
    - KYC and KYB evaluation states.
    - Note: PENDING_RESUBMIT and PENDING_DOCUMENT are only applicable for the ADVANCED workflow.
  - status_reasons: array of objects (required)
    - Reason for the evaluation status.
    - Allowed Values:
      - ADDRESS_VERIFICATION_FAILURE
      - AGE_THRESHOLD_FAILURE
      - COMPLETE_VERIFICATION_FAILURE
      - DOB_VERIFICATION_FAILURE
      - ID_VERIFICATION_FAILURE
      - MAX_DOCUMENT_ATTEMPTS
      - MAX_RESUBMISSION_ATTEMPTS
      - NAME_VERIFICATION_FAILURE
      - OTHER_VERIFICATION_FAILURE
      - RISK_THRESHOLD_FAILURE
      - WATCHLIST_ALERT_FAILURE
      - PRIMARY_BUSINESS_ENTITY_ID_VERIFICATION_FAILURE
      - PRIMARY_BUSINESS_ENTITY_ADDRESS_VERIFICATION_FAILURE
      - PRIMARY_BUSINESS_ENTITY_NAME_VERIFICATION_FAILURE
      - PRIMARY_BUSINESS_ENTITY_BUSINESS_OFFICERS_NOT_MATCHED
      - PRIMARY_BUSINESS_ENTITY_SOS_FILING_INACTIVE
      - PRIMARY_BUSINESS_ENTITY_SOS_NOT_MATCHED
      - PRIMARY_BUSINESS_ENTITY_CMRA_FAILURE
      - PRIMARY_BUSINESS_ENTITY_WATCHLIST_FAILURE
      - PRIMARY_BUSINESS_ENTITY_REGISTERED_AGENT_FAILURE
      - CONTROL_PERSON_BLOCKLIST_ALERT_FAILURE
      - CONTROL_PERSON_ID_VERIFICATION_FAILURE
      - CONTROL_PERSON_DOB_VERIFICATION_FAILURE
      - CONTROL_PERSON_NAME_VERIFICATION_FAILURE
  - updated: date-time (required)
    - Timestamp of when the application was last updated.
  - ky_passed_at: date-time
    - Timestamp of when the application passed the verification process. Only present if status is ACCEPTED

Individual Information

individual: object (Only present when user_type == "INDIVIDUAL")
- address: object
  - Individual's current address - PO boxes, UPS drops, and FedEx drops are not acceptable; APO/FPO are acceptable. Only USA addresses are currently supported.
- dob: string
  - Individual's date of birth, as an RFC 3339 date.
- email: string
  - Individual's email address. If utilizing Lithic for chargeback processing, this customer email address may be used to communicate dispute status and resolution.
- first_name: string
  - Individual's first name, as it appears on government-issued identity documents.
- last_name: string
  - Individual's last name, as it appears on government-issued identity documents.
- phone_number: string
  - Individual's phone number, entered in E.164 format.

Business Information

business_entity: object (Only present when user_type == "BUSINESS")
- address: object (required)
  - Business's physical address - PO boxes, UPS drops, and FedEx drops are not acceptable; APO/FPO are acceptable.
- dba_business_name: string
  - Any name that the business operates under that is not its legal business name (if applicable).
- government_id: string (required)
  - Government-issued identification number. US Federal Employer Identification Numbers (EIN) are currently supported, entered as full nine-digits, with or without hyphens.
- legal_business_name: string (required)
  - Legal (formal) business name.
- parent_company: string | null
  - Parent company name (if applicable).
- phone_numbers: array of strings (required)
  - One or more of the business's phone number(s), entered as a list in E.164 format.

Beneficial Owners

beneficial_owner_individuals: array of objects (length ≥ 0)
Only present when user_type == "BUSINESS". You must submit a list of all direct and indirect individuals with 25% or more ownership in the company. A maximum of 4 beneficial owners can be submitted. If no individual owns 25% of the company you do not need to send beneficial owner information.

Control Person Information

control_person: object (Only present when user_type == "BUSINESS")
- Information about individuals with significant responsibility for managing the legal entity (e.g., a Chief Executive Officer, Chief Financial Officer, etc.)
- address: object
- dob: string
- email: string
- first_name: string
- last_name: string
- phone_number: string

Additional Attributes

naics_code: string | null
- Only present when user_type == "BUSINESS". 6-digit North American Industry Classification System (NAICS) code for the business.
nature_of_business: string
- Only present when user_type == "BUSINESS". User-submitted description of the business.
website_url: string
- Only present when user_type == "BUSINESS". Business's primary website.
email: string (Deprecated)
phone_number: string (Deprecated)
status: string (enum, Deprecated)
status_reasons: array of objects (Deprecated)

Required Documents

required_documents: array of objects
- Only present for "KYB_BASIC" and "KYC_ADVANCED" workflows. A list of documents required for the account holder to be approved.
- Required Document Structure:
  - entity_token: uuid (required)
  - valid_documents: array of strings (required)
  - status_reasons: array of strings (required)

Example Usage

curl --request POST \
  --url https://sandbox.lithic.com/v1/simulate/account_holders/enrollment_review \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --data '{\n  "account_holder_token": "1415964d-4400-4d79-9fb3-eee0faaee4e4",\n  "status": "ACCEPTED",\n  "status_reasons": []\n}'

{  
  "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",  
  "account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",  
  "business_account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",  
  "created": "2026-07-18T03:11:39.514Z",  
  "exemption_type": "AUTHORIZED_USER",  
  "external_id": "string",  
  "user_type": "BUSINESS",  
  "verification_application": {  
    "created": "2026-07-18T03:11:39.514Z",  
    "status": "ACCEPTED",  
    "status_reasons": [  
      "ADDRESS_VERIFICATION_FAILURE"  
    ],  
    "updated": "2026-07-18T03:11:39.514Z",  
    "ky_passed_at": "2026-07-18T03:11:39.514Z"  
  },  
  "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"  
      ]  
    }  
  ]  
}