Choosing Your Onboarding Method
Overview
Noah provides several onboarding methods to accommodate different business models, licensing arrangements, and technical requirements. This page helps you select the right method for your use case.
For background on the regulatory models that underpin these methods, see Compliance Overview.
Comparison
| Method | Endpoint | KYC Model | Requires Sumsub | Hosted Redirect | Best For |
|---|---|---|---|---|---|
| Reliance Onboarding | PUT customers/:CustomerID | Reliance | No | No | Licensed entities bulk-onboarding verified customers (EUR) |
| Hosted Onboarding | POST onboarding/:CustomerID | Standard | No | Yes | Fastest integration for unlicensed providers |
| Token Share | POST onboarding/:CustomerID/prefill + POST onboarding/:CustomerID | Standard | Yes | Yes (reduced) | Partners already using Sumsub who want to avoid re-verification |
| Individual Prefill | POST onboarding/:CustomerID/prefill + POST onboarding/:CustomerID | Standard | No | Yes (reduced) | Partners who already collect KYC data and want to pre-populate fields |
| Business Customer Prefill | POST onboarding/:CustomerID/prefill + POST onboarding/:CustomerID | Standard | No | Manual review | KYB onboarding for business entities |
Decision Guide
Are you a licensed entity with existing KYC?
If your business holds regulatory licensing and already performs KYC on your customers, you can use Reliance Onboarding to pass simplified customer data via a single API call, with no hosted redirect required. This is available for EUR flows only - USD requires Standard Model KYC.
Do you use Sumsub for KYC?
If you already verify customers through Sumsub, use Token Share Onboarding to transfer existing verification data via cryptographically secured tokens. Noah will identify any missing compliance requirements and collect only what's needed through a shortened hosted session.
Do you already collect customer data?
If you collect identity data (name, date of birth, address, ID documents) but don't use Sumsub, use Individual Customer Prefill to pre-populate the onboarding form. Your customer then completes only the remaining steps (liveness check, document upload, T&Cs acceptance) in a hosted session.
Are you onboarding businesses?
If you need to onboard business entities (not individuals), use Business Customer Prefill to submit KYB data via API. Business onboarding undergoes manual review by Noah before approval.
Starting fresh with no existing KYC?
If you don't have existing customer data or licensing, use Hosted Onboarding for the simplest integration. Generate a hosted URL and redirect your customer - Noah handles the entire KYC flow.
Currency Constraints
Not all onboarding methods are available for all currencies. See Currency & Model Eligibility for the full matrix.
The key constraint: USD Virtual Accounts require Standard Model KYC. If you onboard a customer via Reliance (PUT Customer), that customer can receive EUR Virtual Accounts but not USD. To enable USD, onboard the customer using any Standard Model method (Hosted, Token Share, or Prefill).
Webhook Integration
All onboarding methods emit Customer webhooks to notify you of status changes (Pending, Approved, Declined). When using multiple FiatOptions, you will receive separate webhooks for each currency verification.
Always wait for an Approved Customer webhook before initiating transactional flows for a customer.