Account Creation Flow

This guide presents the complete process for creating bank accounts through the Delfinance BaaS API.

Account Creation Endpoints

Choose the appropriate endpoint for the type of account you want to create:

• Create Natural Person Account - For individual accounts (CPF)
• Create Legal Person Account - For legal entity accounts (CNPJ)

Account Creation Process

Follow these steps to complete the creation process:

1. Account opening - Use the appropriate endpoint (natural person or legal entity)

   • Initial status: PENDING_DOCUMENTATION

2. Selfie submission - Send the holder's photo through the documents endpoint

   • For PF and PJ types, different enums are used in documentation submission, read below the enums by type of account created.

3. Document submission - Submit the mandatory documents mentioned below.

   • Status after submission: PENDING_ANALYSIS

Documentation Requirements by Client Type

Document Types

The following document types are accepted for each client category:

Documents for Legal Entity (PJ)

For legal entity accounts, the following documents are required:

Document Type	Status	Description
PERSON_LEGAL_SOCIAL_CONTRACT	Required	Company's social contract
PERSON_LEGAL_LATEST_CHANGES	Optional	Company's latest changes document
PERSON_LEGAL_REVENUES	Optional	Revenue documentation

Important Information

The amountMonthlyInvoicing parameter referring to invoicing provided during account creation is used for initial evaluation only. Revenue documents can be submitted later if needed for compliance purposes at the documentation endpoint.

Documents for Natural Person (PF)

Complete Document Set Required

You must provide a complete identification set plus a selfie. Partial submissions will not be accepted.

Available Options:

Option 1: Complete CNH (Driver's License)

Document Type	Status	Description
CNH_FULL	Required	Complete driver's license document
SELFIE	Required	Customer selfie

Option 2: CNH Front + Back

Document Type	Status	Description
CNH_FRONT	Required	Front of driver's license
CNH_BACK	Required	Back of driver's license
SELFIE	Required	Customer selfie

Option 3: Complete RG (Identity Card)

Document Type	Status	Description
RG_FULL	Required	Complete identity card document
SELFIE	Required	Customer selfie

Option 4: RG Front + Back

Document Type	Status	Description
RG_FRONT	Required	Front of identity card
RG_BACK	Required	Back of identity card
SELFIE	Required	Customer selfie

Next Steps

1. Use the Document upload endpoint to send required documents.
2. Monitor the account status—it will remain as PENDING_DOCUMENTATION until required documents are submitted.
3. Optional documents can be submitted at any time for better compliance.

Account Status Monitoring

Status Verification

You can check the account status using the Account status endpoint