> ## Documentation Index > Fetch the complete documentation index at: https://developers.dwolla.com/llms.txt > Use this file to discover all available pages before exploring further. # Create customer beneficial owner > Creates a new beneficial owner for a business verified customer. Beneficial owners are individuals who own 25% or more of the company's equity. Requires personal information, address, and SSN or passport for identity verification. ## OpenAPI ````yaml post /customers/{id}/beneficial-owners openapi: 3.1.0 info: title: Dwolla API description: Dwolla API Documentation contact: name: Dwolla Developer Relations Team url: https://developers.dwolla.com email: api@dwolla.com version: '2.0' termsOfService: https://www.dwolla.com/legal/tos/ license: name: MIT url: https://github.com/Dwolla/dwolla-openapi/blob/master/LICENSE servers: - url: https://api.dwolla.com description: Production server - url: https://api-sandbox.dwolla.com description: Sandbox server security: - clientCredentials: [] tags: - name: tokens description: Operations related to Application Access Tokens - name: root description: Root API operations - name: accounts description: Operations related to Accounts - name: customers description: Operations related to Customers - name: kba description: Operations related to Knowledge-Based Authentication - name: beneficial owners description: Operations related to Beneficial Owners - name: documents description: Operations related to Documents - name: exchanges description: Operations related to Exchanges - name: exchange sessions description: Operations related to Exchange Sessions - name: funding sources description: Operations related to Funding Sources - name: transfers description: Operations related to Transfers - name: labels description: Operations related to Labels - name: mass payments description: Operations related to Mass Payments - name: events description: Operations related to Events - name: webhook subscriptions description: Operations related to Webhook Subscriptions - name: webhooks description: Operations related to Webhooks - name: client tokens description: Operations related to Client Tokens - name: sandbox simulations description: Sandbox-only operations for simulating processing of bank transfers paths: /customers/{id}/beneficial-owners: post: tags: - beneficial owners summary: Create customer beneficial owner description: >- Creates a new beneficial owner for a business verified customer. Beneficial owners are individuals who own 25% or more of the company's equity. Requires personal information, address, and SSN or passport for identity verification. operationId: createBeneficialOwnerForCustomer parameters: - name: id in: path description: Customer ID for which to create a Beneficial Owner required: true style: simple explode: false schema: type: string - $ref: '#/components/parameters/Accept' requestBody: required: true description: Parameters for creating a beneficial owner content: application/json: schema: oneOf: - $ref: '#/components/schemas/CreateUSBeneficialOwner' - $ref: '#/components/schemas/CreateInternationalBeneficialOwner' responses: '201': description: successful operation headers: Location: $ref: '#/components/headers/Location' '400': description: Bad Request headers: {} content: application/vnd.dwolla.v1.hal+json: schema: $ref: '#/components/schemas/BadRequestError' '403': description: Forbidden headers: {} content: application/vnd.dwolla.v1.hal+json: schema: $ref: '#/components/schemas/ForbiddenError' '404': description: Not Found headers: {} content: application/vnd.dwolla.v1.hal+json: schema: $ref: '#/components/schemas/NotFoundError' x-codeSamples: - lang: bash source: > POST https://api-sandbox.dwolla.com/customers/81696e5d-a593-45a6-8863-3c20ad634de5/beneficial-owners Content-Type: application/vnd.dwolla.v1.hal+json Accept: application/vnd.dwolla.v1.hal+json Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY { "firstName": "document", "lastName": "owner", "ssn": "123-46-7890", "dateOfBirth": "1960-11-30", "address": { "address1": "123 Main St.", "city": "New York", "stateProvinceRegion": "NY", "country": "US", "postalCode": "10005" } } - lang: javascript source: > // Using dwolla-v2 - https://github.com/Dwolla/dwolla-v2-node var customerUrl = 'https://api-sandbox.dwolla.com/customers/07d59716-ef22-4fe6-98e8-f3190233dfb8'; var requestBody = { firstName: 'John', lastName: 'Doe', dateOfBirth: '1970-01-01', ssn: '123-56-7890', address: { address1: '99-99 33rd St', city: 'Some City', stateProvinceRegion: 'NY', country: 'US', postalCode: '11101' } }; dwolla .post(`${customerUrl}/beneficial-owners`, requestBody) .then(res => res.headers.get('location')); - lang: python source: > # Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python customer_url = 'https://api-sandbox.dwolla.com/customers/AB443D36-3757-44C1-A1B4-29727FB3111C' request_body = { 'firstName': 'John', 'lastName': 'Doe', 'dateOfBirth': '1970-01-01', 'ssn': '123-46-7890', 'address': { 'address1': '99-99 33rd St', 'city': 'Some City', 'stateProvinceRegion': 'NY', 'country': 'US', 'postalCode': '11101' } } beneficial_owner = app_token.post('%s/beneficial-owners' % customer_url, request_body) beneficial_owner.headers['location'] - lang: php source: > addBeneficialOwner([ 'firstName' => 'document', 'lastName'=> 'owner', 'dateOfBirth' => '1990-11-11', 'ssn' => '123-34-9876', 'address' => [ 'address1' => '18749 18th st', 'address2' => 'apt 12', 'address3' => '', 'city' => 'Des Moines', 'stateProvinceRegion' => 'IA', 'postalCode' => '50265', 'country' => 'US' ], ], $verified_customer); ?> - lang: ruby source: > # Using dwolla_v2 - https://github.com/Dwolla/dwolla-v2-ruby customer_url = 'https://api-sandbox.dwolla.com/customers/81696e5d-a593-45a6-8863-3c20ad634de5' request_body = { :firstName => 'John', :lastName => 'Doe', :ssn => '123-46-7890', :dateOfBirth => '1970-01-01', :address => { :address1 => '99-99 33rd St', :city => 'Some City', :stateProvinceRegion => 'NY', :country => 'US', :postalCode => '11101' } } beneficial_owner = app_token.post "#{customer_url}/beneficial-owners", request_body beneficial_owner.response_headers[:location] components: parameters: Accept: name: Accept in: header required: true description: >- The media type of the response. Must be application/vnd.dwolla.v1.hal+json schema: type: string enum: - application/vnd.dwolla.v1.hal+json default: application/vnd.dwolla.v1.hal+json schemas: CreateUSBeneficialOwner: title: CreateUSBeneficialOwner description: >- Create a US Beneficial Owner (identified by SSN). For US-based beneficial owners only. Use SSN for identity verification instead of passport. required: - firstName - lastName - dateOfBirth - address - ssn type: object properties: firstName: type: string example: John lastName: type: string example: Doe dateOfBirth: type: string example: '1980-01-31' address: $ref: '#/components/schemas/InternationalAddress' ssn: type: string example: '123456789' CreateInternationalBeneficialOwner: title: CreateInternationalBeneficialOwner description: >- Create an International Beneficial Owner (identified by Passport). For non-US beneficial owners who don't have a US SSN. Requires passport information for identity verification. required: - firstName - lastName - dateOfBirth - address - passport type: object properties: firstName: type: string example: Jane lastName: type: string example: Smith dateOfBirth: type: string example: '1985-03-15' address: $ref: '#/components/schemas/InternationalAddress' passport: $ref: '#/components/schemas/Passport' BadRequestError: title: BadRequestError description: Error response schema for 400 Bad Request type: object required: - code - message properties: code: type: string example: BadRequest message: type: string example: The request body contains bad syntax or is incomplete. ForbiddenError: title: ForbiddenError description: Error response schema for 403 Forbidden type: object required: - code - message properties: code: type: string example: Forbidden message: type: string example: The supplied credentials are not authorized for this resource. NotFoundError: title: NotFoundError description: Error response schema for 404 NotFound type: object required: - code - message properties: code: type: string example: NotFound message: type: string example: The requested resource was not found. InternationalAddress: title: InternationalAddress type: object required: - address1 - city - country - stateProvinceRegion properties: address1: type: string example: 462 Main Street address2: type: string example: Suite 123 address3: type: string example: Unit 123 city: type: string example: Des Moines postalCode: type: string example: '50309' country: type: string example: USA stateProvinceRegion: type: string example: IA Passport: title: Passport type: object required: - number - country properties: number: type: string country: type: string headers: Location: description: The location of the created resource schema: type: string securitySchemes: clientCredentials: type: oauth2 flows: clientCredentials: tokenUrl: /token x-speakeasy-token-endpoint-authentication: client_secret_basic scopes: {} ````