Individual

Everything an Individual user can do after receiving an Advisor's invitation — from completing onboarding through daily banking operations including accounts, transfers, notifications, KYC, and account closure.

What can you do?

Registration

Complete the 10-step flow: validate invite token, accept agreements, set password, W9, security questions, phone OTP, KYC, and token exchange.

Accounts & Balances

View total balance, list all accounts, and get per-account details including available and pending balances.

Transactions

Full paginated transaction history with status filtering and individual transaction details.

Account Statements

Download monthly PDF statements for any account by year and month.

Move Money

Internal transfers between the user's own accounts (TBA) and ACH pulls/pushes to linked external bank accounts via Plaid.

Notifications

Unread count badge, full notification list, mark all as read, and mark individual notifications as read.

KYC

Check KYC verification status and respond to document verification requests.

Auto-Payments

Schedule recurring transfers — weekly, biweekly, or monthly — internal or to an external bank via ACH.

Account Closure

Handle the two-step OTP-confirmed account deletion flow.

Full Onboarding Journey

flowchart TD
    AM0[Advisor: Sign in]
    AM0 --> AM1[Advisor: Invite new individual]
    AM1 --> A([User receives invitation email])

    A --> B[User clicks invite link]

    B --> C[Step 1 — Validate token]
    C -->|invalid / expired| ERR1([Show error — ask manager to re-send])
    C -->|valid| D[Step 2 — Fetch platform agreements]

    D --> E[User reads and accepts each agreement]
    E --> F[Step 3 — Accept invitation and set password]

    F -->|HTTP 403 + temporaryAccessToken| G{{Store temporaryAccessToken}}

    G --> H[Step 4 — Review W9 terms]
    H --> I[User acknowledges W9 certification]

    I --> J[Step 5 — List security questions]
    J --> K[Step 6 — Submit security answers]

    K --> L[Step 7 — Send phone OTP]
    L --> M[Step 8 — Verify phone OTP]

    M --> N[Step 9 — Submit KYC information]
    N -->|400 – field errors| ERR2[Show validation errors and let user correct]
    ERR2 --> N

    N -->|200 – KYC pending| O[Step 10 — Exchange for full access token]
    O --> P{{Store accessToken and refreshToken}}
    P --> Q([Onboarding complete — accounts are live])