# 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 ```shell 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}' ``` ```json { "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" ] } ] } ```