The Identity feature in Blnk provides a way to attach a unique identity to each balance, ensuring every financial activity is traceable and structured. Whether it’s individual customers or larger organizations, every transaction can be attributed to a specific entity, enhancing transparency and accountability. This is mostly useful when compliance is important.

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Creating and Managing Identities

individual
{
    "identity_type": "individual",
    "first_name": "Chijioke",
    "last_name": "Adeola",
    "other_names": "Emeka",
    "gender": "male",
    "dob": "1990-01-01T00:00:00Z",
    "email_address": "chijioke.adeola@gmail.com",
    "phone_number": "+2347012345678",
    "nationality": "Nigerian",
    "street": "10 Aso Villa Way",
    "country": "Nigeria",
    "state": "Lagos",
    "post_code": "101001",
    "city": "Lagos",
    "created_at": "2023-10-16T10:00:00Z",
    "meta_data": {
        "verified": true,
        "reference": "XYZ123456789"
    }
}
organization
{
    "identity_type": "organization",
    "name": "Blnk",
    "category": "fintech",
    "street": "10 Aso Villa Way",
    "country": "Nigeria",
    "state": "Lagos",
    "post_code": "101001",
    "city": "Lagos",
    "created_at": "2023-10-16T10:00:00Z",
    "meta_data": {
        "verified": true,
        "reference": "XYZ123456789"
    }
}

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Linking Identity to Accounts in Blnk

In Blnk, each account and balance can be associated with a unique identity, ensuring clear attribution of financial activities. This association enhances the traceability and accountability of transactions and accounts within the system.

  1. Create an Identity: Before you can link an identity to an account, the identity (be it an individual or an organization) must be created and stored in Blnk. Upon creation, every identity is assigned a unique identity_id.

  2. Create an Account with an Identity: When creating a new account, you can link it to an existing identity by passing the identity_id in the account creation payload.

{
    "bank_name": "Blnk bank",
    "number": "30888888832",
    "identity_id": "idt_0501db5c-baf9-4be1-a931-f4bae7f3a41d",
    "balance_id": "bln_c1750613-b4b0-4cde-9793-459165a8715f"
}

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Identity Attributes

PropertyDescriptionType
Identity TypeDistinguishes if the identity is an individual or organizationstring ("individual" or "organization")
StreetStreet address of the identitystring
CountryCountry where the identity residesstring
StateState of residence of the identitystring
Post CodePostal code related to the identitystring
CityCity of residence of the identitystring
Meta DataCustom metadata linked to the identityObject

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Individual Attributes

PropertyDescriptionType
First NameFirst name of the individualstring
Last NameLast name of the individualstring
Other NamesAny other names linked to the individualstring
GenderGender of the individualstring
DOBDate of birth of the individualDate
Email AddressEmail ID of the individualstring
Phone NumberContact number of the individualstring
NationalityNationality of the individualstring

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Organization Attributes

PropertyDescriptionType
NameName of the organizationstring
CategoryCategory or type of the organization (e.g., “Bank”, “Retail”, “Tech”)string

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Quick start

Create Ledger

Create a new ledger

Get Ledger

Fetch ledger details easily

Create Identity

Create individual or organzation identity

Creat Account

Start processing transactions

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