Customer Document Requirements

Note: The region is determined by your 1Money account registration, not the customer's location.

United States (US)

Business Type	Required Documents
Corporation	`CERT_OF_INC` (Certificate of Incorporation) `ART_OF_INC` (Articles of Incorporation) `OWN_STRUCT_CORP` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
LLC	`CERT_OF_FORM` (Certificate of Formation/Registration) `ART_OF_ORG` (Articles of Organization) `OP_LP_AGREE` (Operating/LP Agreement) `OWN_STRUCT_LLC` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Partnership	`CERT_OF_FORM` (Certificate of Formation/Registration) `PART_AGREE` (Partnership Agreement) `OWN_STRUCT_PART` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Sole Proprietorship	`BUS_LIC` (Business License) `TAX_FILINGS` (Tax Filings) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Investment Fund	`CERT_OF_INC` (Certificate of Incorporation) `PROS_OFF_MEMO` (Prospectus, Offering Memorandum, or Private Placement Memorandum) `FUND_STRUCT_CHART` (Fund Structure Chart) `AML_ATTEST_LET` (AML Attestation Letter) `OP_LP_AGREE` (Operating/LP Agreement) `OWN_STRUCT_FUND` (Ownership/Control Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Societies	`CERT_OF_INC` (Certificate of Incorporation) `ART_OF_INC_BYLAW` (Articles of Incorporation/Bylaws or Equivalent Document) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Trust	`TRUST_AGREE` (Trust Agreement) `AUTH_REP_LIST` (Authorized Representative List) `OWN_FORM_DOCS` (Ownership and Formation Documents) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Government	`CONST_DOCS` (Constitutional or Formation Documents) `OWN_STRUCT_GOV` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address) `PROOF_OF_FUNDS` (Proof of Source of Funds)
DAO	`ART_OF_ORG` (Articles of Organization) `LIST_MGR` (List Manager or Similar Person with Authority to Legally Bind the DAO) `VOTING_RECS` (Voting Records) `OWN_STRUCT_DAO` (Ownership Structure)

Bermuda (BM)

Business Type	Required Documents
Corporation	`CERT_OF_INC` (Certificate of Incorporation) `MEMORANDUM_OF_ASSOCIATION` (Memorandum of Association or Articles of Association or Equivalent Document) `OWN_STRUCT_CORP` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
LLC	`CERT_OF_FORM` (Certificate of Formation/Registration) `ART_OF_ORG` (Articles of Organization) `OP_LP_AGREE` (Operating/LP Agreement) `OWN_STRUCT_LLC` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Partnership	`CERT_OF_FORM` (Certificate of Formation/Registration) `PART_AGREE` (Partnership Agreement) `OWN_STRUCT_PART` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Sole Proprietorship	`BUS_LIC` (Business License) `TAX_FILINGS` (Tax Filings) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Investment Fund	`CERT_OF_INC` (Certificate of Incorporation) `PROS_OFF_MEMO` (Prospectus, Offering Memorandum, or Private Placement Memorandum) `FUND_STRUCT_CHART` (Fund Structure Chart) `AML_ATTEST_LET` (AML Attestation Letter) `OP_LP_AGREE` (Operating/LP Agreement) `OWN_STRUCT_FUND` (Ownership/Control Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Societies	`CERT_OF_INC` (Certificate of Incorporation) `ART_OF_INC_BYLAW` (Articles of Incorporation/Bylaws or Equivalent Document) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Trust	`TRUST_AGREE` (Trust Agreement) `AUTH_REP_LIST` (Authorized Representative List) `OWN_FORM_DOCS` (Ownership and Formation Documents) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address)
Government	`CONST_DOCS` (Constitutional or Formation Documents) `OWN_STRUCT_GOV` (Ownership Structure) `AUTH_REP_LIST` (Authorized Representative List) `PROOF_OF_BUS_ADDR` (Proof of Business Entity Address) `PROOF_OF_FUNDS` (Proof of Source of Funds)

DAO is not supported in Bermuda.

High-Risk Industries

For Business Customer V2, high-risk review is determined by the account risk calculation. When enhanced due diligence is required, PROOF_OF_FUNDS is returned as a required company document.

The source of truth is the documents list returned by Initiate Business Account and available later through Get Business Account.

Additional and Conditional Documents

The tables above list the baseline documents for each business type and region. The Upload Company Document API accepts a wider set of document_type values than these tables — the extra types are conditional and are requested only when needed for a specific customer, either through enhanced due diligence (see above) or a Request for Information (RFI) raised during screening or compliance review. For an RFI, you are notified via the account.business.rfi webhook and/or email, and upload the requested document through the same Upload Company Document API. See Request for Information Handling (RFI).

The conditional document types and when they are typically requested:

Document Type	Typically requested for
`AML_POLICY`	Higher-risk or regulated businesses, to evidence the entity's AML program
`LICENSE`	Entities in licensed/regulated activity (e.g. money transmission / MSB), as evidence of regulatory licensing
`ANN_REPTS` (Annual Reports)	Source-of-wealth evidence under EDD, and for foundation/society-type entities
`IRS_DET_LET`	US tax-exempt or charitable entities (IRS determination, tax-exemption, or charity registration letter)
`TAX_EXEMPTION`	Non-US (e.g. Bermuda) tax-exempt or charitable entities
`CERT_OF_GOOD_STAND` (Certificate of Good Standing)	Confirming active/compliant status, typically for entities incorporated for over one year
`CERT_OF_INCUMBENCY`	Register of directors/officers, typically for Bermuda entities
`CERT_OF_INC_ORG`	Certificate of incorporation and articles of organization, for specific entity/region combinations
`TRADE_NAME_REG`	Entities operating under a trade name / DBA, or where there is a name discrepancy
`PROOF_OF_BUS_ADDR_DAO`	Proof of address for DAOs (operating/mailing address, or the verified control person's residential address if there is no physical office)
`SUPP_DOCS` (Supporting Documents)	Any supplementary material requested during review or provided proactively
`OTHER`	Any document not covered by a specific type

Upload only the documents that appear in the documents list with required: true — there is no need to pre-upload other types from the full enum.