Create an application (v2)
curl --request POST \
--url https://api.next.orenda.finance/v2/applications \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"isCompany": false,
"email": "ada.lovelace@example.com"
}
'import requests
url = "https://api.next.orenda.finance/v2/applications"
payload = {
"isCompany": False,
"email": "ada.lovelace@example.com"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({isCompany: false, email: 'ada.lovelace@example.com'})
};
fetch('https://api.next.orenda.finance/v2/applications', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.next.orenda.finance/v2/applications",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'isCompany' => false,
'email' => 'ada.lovelace@example.com'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.next.orenda.finance/v2/applications"
payload := strings.NewReader("{\n \"isCompany\": false,\n \"email\": \"ada.lovelace@example.com\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.next.orenda.finance/v2/applications")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"isCompany\": false,\n \"email\": \"ada.lovelace@example.com\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.next.orenda.finance/v2/applications")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"isCompany\": false,\n \"email\": \"ada.lovelace@example.com\"\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"data": {
"application": {
"applicationId": "app_5e8d2f1a",
"customerId": "cust_3f9a2b7e",
"isCompany": false,
"role": {
"key": "PROGRAM_CUSTOMER",
"alias": "PROGRAM_CUSTOMER",
"name": "Customer"
},
"capabilities": {
"ownAccounts": true,
"funding": "OWN",
"delegate": null
},
"primaryApplicant": {
"firstName": "Ada",
"lastName": "Lovelace",
"email": "ada.lovelace@example.com"
},
"ubos": [],
"legalAccepted": true,
"kycResult": null,
"createdAt": "2026-06-18T10:32:00Z",
"updatedAt": "2026-06-18T10:44:12Z"
},
"status": {
"currentStep": "KYC_FORM",
"requiredActions": [
"complete-kyc-form"
]
}
}
}Onboarding
Create an application
Start onboarding for the signed-in user.
POST
/
v2
/
applications
Create an application (v2)
curl --request POST \
--url https://api.next.orenda.finance/v2/applications \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"isCompany": false,
"email": "ada.lovelace@example.com"
}
'import requests
url = "https://api.next.orenda.finance/v2/applications"
payload = {
"isCompany": False,
"email": "ada.lovelace@example.com"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({isCompany: false, email: 'ada.lovelace@example.com'})
};
fetch('https://api.next.orenda.finance/v2/applications', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.next.orenda.finance/v2/applications",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'isCompany' => false,
'email' => 'ada.lovelace@example.com'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.next.orenda.finance/v2/applications"
payload := strings.NewReader("{\n \"isCompany\": false,\n \"email\": \"ada.lovelace@example.com\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.next.orenda.finance/v2/applications")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"isCompany\": false,\n \"email\": \"ada.lovelace@example.com\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.next.orenda.finance/v2/applications")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"isCompany\": false,\n \"email\": \"ada.lovelace@example.com\"\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"data": {
"application": {
"applicationId": "app_5e8d2f1a",
"customerId": "cust_3f9a2b7e",
"isCompany": false,
"role": {
"key": "PROGRAM_CUSTOMER",
"alias": "PROGRAM_CUSTOMER",
"name": "Customer"
},
"capabilities": {
"ownAccounts": true,
"funding": "OWN",
"delegate": null
},
"primaryApplicant": {
"firstName": "Ada",
"lastName": "Lovelace",
"email": "ada.lovelace@example.com"
},
"ubos": [],
"legalAccepted": true,
"kycResult": null,
"createdAt": "2026-06-18T10:32:00Z",
"updatedAt": "2026-06-18T10:44:12Z"
},
"status": {
"currentStep": "KYC_FORM",
"requiredActions": [
"complete-kyc-form"
]
}
}
}Call this once to start onboarding. Set
isCompany to false for an individual (KYC) or
true for a company (KYB). Personal and company details aren’t sent here; they’re collected
later through the KYC schema. If the user already has an
application, that one is returned.
- v2 (recommended)
- v1
POST /v2/applications returns the same shape as
GET /v2/applications: the application and its status, so you can
render the first step straight away. Then poll GET /v2/applications and render each step.POST /v1/applications takes the same body and returns { application }, the stored
application record. It’s unchanged. Poll GET /v1/applications for the status.Authorizations
The user's access_token from authentication. The program and environment (sandbox/prod) are read from the token.
Body
application/json
false for an individual (KYC), true for a company (KYB).
Example:
false
Optional email for the primary applicant.
Optional affiliate/referral id.
Aliases of the program's optional accounts to open as well as the primary one. Only on programs that offer optional accounts; any other alias, or a program that doesn't offer them, is rejected with 422.
Program-specific account product. Send it only if your program's setup gives you a value.