curl --request POST \
  --url https://sigmacdd.sabipay.com/api/v1/cdd/customers \
  --header 'Content-Type: application/json' \
  --header 'apiKey: <api-key>' \
  --header 'apiSecret: <api-key>' \
  --data '
{
  "uniqueId": "CUS-NG-20240101-001",
  "externalId": "EXT-0048291",
  "type": "individual",
  "status": "active",
  "customerSegment": "retail",
  "riskClassification": "low",
  "kycLevel": "tier_2",
  "channel": "mobile",
  "source": "api",
  "isSanctioned": false,
  "isPep": false,
  "watchlist": false,
  "lastReviewDate": "2024-06-01T00:00:00.000Z",
  "nextReviewDate": "2025-06-01T00:00:00.000Z",
  "lastCheck": "2024-12-01T00:00:00.000Z",
  "title": "Mr",
  "firstName": "Chukwuemeka",
  "lastName": "Okafor",
  "middleName": "Tochukwu",
  "dob": "1990-03-15T00:00:00.000Z",
  "placeOfBirth": "Onitsha",
  "countryOfBirth": "NG",
  "gender": "male",
  "nationality": "Nigerian",
  "countryOfResidence": "NG",
  "residencyStatus": "citizen",
  "maritalStatus": "married",
  "religion": "Christianity",
  "educationLevel": "BSc",
  "stateOfOrigin": "Anambra",
  "lgaOfOrigin": "Onitsha North",
  "isDeceased": false,
  "phone": "+2348031234567",
  "alternatePhone": "+2348059876543",
  "email": "chukwuemeka.okafor@example.com",
  "address": "14 Adeola Odeku Street, Victoria Island, Lagos",
  "residentialAddress": "14 Adeola Odeku Street, Victoria Island, Lagos",
  "mailingAddress": "P.O. Box 4521, Victoria Island, Lagos",
  "proofOfAddressType": "utility_bill",
  "proofOfAddress": "https://docs.example.com/proof-of-address/CUS-NG-20240101-001.pdf",
  "bvnNumber": "22198765432",
  "ninNumber": "12345678901",
  "passportNumber": "A01234567",
  "driversLicenseNumber": "AAB23461LA0001",
  "votersCardNumber": "91C7E2/Lagos/001/0019",
  "taxId": "1234567890",
  "taxResidency": "NG",
  "biometricVerified": true,
  "occupation": "Software Engineer",
  "employmentStatus": "employed",
  "employerName": "Interswitch Group",
  "employerAddress": "Plot 1261A, Bishops Court, Off Idejo Street, Victoria Island, Lagos",
  "monthlyIncome": 850000,
  "annualIncome": 10200000,
  "netWorth": 45000000,
  "sourceOfFunds": "salary",
  "sourceOfWealth": "employment",
  "mothersMaidenName": "Eze",
  "politicalAffiliation": false,
  "politicalAffiliationRelationship": null,
  "politicalPosition": false,
  "politicalPositionDescription": null,
  "pepDetails": null,
  "bankCode": "058",
  "bankName": "Guaranty Trust Bank",
  "bankCountry": "NG",
  "sortCode": "058152052",
  "iban": null,
  "relationshipStartDate": "2019-04-10T00:00:00.000Z",
  "accounts": [
    {
      "accountNumber": "0123456789",
      "accountType": "current",
      "accountCurrency": "NGN",
      "purposeOfAccount": "salary and day-to-day transactions",
      "openingDate": "2019-04-10T00:00:00.000Z",
      "accountStatus": "active",
      "averageBalance": 1200000,
      "overdraftLimit": 500000,
      "dailyLimit": 5000000,
      "isPrimaryAccount": true
    },
    {
      "accountNumber": "0198765432",
      "accountType": "savings",
      "accountCurrency": "NGN",
      "purposeOfAccount": "personal savings",
      "openingDate": "2020-07-22T00:00:00.000Z",
      "accountStatus": "active",
      "averageBalance": 3500000,
      "overdraftLimit": 0,
      "dailyLimit": 2000000,
      "isPrimaryAccount": false
    },
    {
      "accountNumber": "0174839201",
      "accountType": "domiciliary",
      "accountCurrency": "USD",
      "purposeOfAccount": "foreign currency receipts",
      "openingDate": "2022-01-05T00:00:00.000Z",
      "accountStatus": "active",
      "averageBalance": 4200,
      "isPrimaryAccount": false
    }
  ],
  "kycDocuments": [
    {
      "type": "bvn",
      "documentNumber": "22198765432",
      "issuingCountry": "NG",
      "issuingAuthority": "Nigeria Inter-Bank Settlement System (NIBSS)",
      "issueDate": "2014-09-01T00:00:00.000Z",
      "status": "verified",
      "verifiedAt": "2024-01-15T08:30:00.000Z"
    },
    {
      "type": "nin",
      "documentNumber": "12345678901",
      "issuingCountry": "NG",
      "issuingAuthority": "National Identity Management Commission (NIMC)",
      "issueDate": "2016-03-20T00:00:00.000Z",
      "status": "verified",
      "verifiedAt": "2024-01-15T08:32:00.000Z"
    },
    {
      "type": "passport",
      "documentNumber": "A01234567",
      "issuingCountry": "NG",
      "issuingAuthority": "Nigeria Immigration Service",
      "issueDate": "2020-06-10T00:00:00.000Z",
      "expiryDate": "2030-06-09T00:00:00.000Z",
      "fileUrl": "https://docs.example.com/kyc/passport/CUS-NG-20240101-001.jpg",
      "status": "verified",
      "verifiedAt": "2024-01-15T08:35:00.000Z"
    },
    {
      "type": "utility_bill",
      "issuingCountry": "NG",
      "issueDate": "2024-01-01T00:00:00.000Z",
      "expiryDate": "2024-04-01T00:00:00.000Z",
      "fileUrl": "https://docs.example.com/kyc/utility/CUS-NG-20240101-001.pdf",
      "status": "verified",
      "verifiedAt": "2024-01-15T08:40:00.000Z"
    }
  ],
  "metadata": {
    "onboardingBranch": "Victoria Island",
    "referralCode": "REF-VIP-00221",
    "preferredLanguage": "en",
    "pushNotificationsEnabled": true,
    "tier": "tier_2"
  }
}
'

import requests

url = "https://sigmacdd.sabipay.com/api/v1/cdd/customers"

payload = {
    "uniqueId": "CUS-NG-20240101-001",
    "externalId": "EXT-0048291",
    "type": "individual",
    "status": "active",
    "customerSegment": "retail",
    "riskClassification": "low",
    "kycLevel": "tier_2",
    "channel": "mobile",
    "source": "api",
    "isSanctioned": False,
    "isPep": False,
    "watchlist": False,
    "lastReviewDate": "2024-06-01T00:00:00.000Z",
    "nextReviewDate": "2025-06-01T00:00:00.000Z",
    "lastCheck": "2024-12-01T00:00:00.000Z",
    "title": "Mr",
    "firstName": "Chukwuemeka",
    "lastName": "Okafor",
    "middleName": "Tochukwu",
    "dob": "1990-03-15T00:00:00.000Z",
    "placeOfBirth": "Onitsha",
    "countryOfBirth": "NG",
    "gender": "male",
    "nationality": "Nigerian",
    "countryOfResidence": "NG",
    "residencyStatus": "citizen",
    "maritalStatus": "married",
    "religion": "Christianity",
    "educationLevel": "BSc",
    "stateOfOrigin": "Anambra",
    "lgaOfOrigin": "Onitsha North",
    "isDeceased": False,
    "phone": "+2348031234567",
    "alternatePhone": "+2348059876543",
    "email": "chukwuemeka.okafor@example.com",
    "address": "14 Adeola Odeku Street, Victoria Island, Lagos",
    "residentialAddress": "14 Adeola Odeku Street, Victoria Island, Lagos",
    "mailingAddress": "P.O. Box 4521, Victoria Island, Lagos",
    "proofOfAddressType": "utility_bill",
    "proofOfAddress": "https://docs.example.com/proof-of-address/CUS-NG-20240101-001.pdf",
    "bvnNumber": "22198765432",
    "ninNumber": "12345678901",
    "passportNumber": "A01234567",
    "driversLicenseNumber": "AAB23461LA0001",
    "votersCardNumber": "91C7E2/Lagos/001/0019",
    "taxId": "1234567890",
    "taxResidency": "NG",
    "biometricVerified": True,
    "occupation": "Software Engineer",
    "employmentStatus": "employed",
    "employerName": "Interswitch Group",
    "employerAddress": "Plot 1261A, Bishops Court, Off Idejo Street, Victoria Island, Lagos",
    "monthlyIncome": 850000,
    "annualIncome": 10200000,
    "netWorth": 45000000,
    "sourceOfFunds": "salary",
    "sourceOfWealth": "employment",
    "mothersMaidenName": "Eze",
    "politicalAffiliation": False,
    "politicalAffiliationRelationship": None,
    "politicalPosition": False,
    "politicalPositionDescription": None,
    "pepDetails": None,
    "bankCode": "058",
    "bankName": "Guaranty Trust Bank",
    "bankCountry": "NG",
    "sortCode": "058152052",
    "iban": None,
    "relationshipStartDate": "2019-04-10T00:00:00.000Z",
    "accounts": [
        {
            "accountNumber": "0123456789",
            "accountType": "current",
            "accountCurrency": "NGN",
            "purposeOfAccount": "salary and day-to-day transactions",
            "openingDate": "2019-04-10T00:00:00.000Z",
            "accountStatus": "active",
            "averageBalance": 1200000,
            "overdraftLimit": 500000,
            "dailyLimit": 5000000,
            "isPrimaryAccount": True
        },
        {
            "accountNumber": "0198765432",
            "accountType": "savings",
            "accountCurrency": "NGN",
            "purposeOfAccount": "personal savings",
            "openingDate": "2020-07-22T00:00:00.000Z",
            "accountStatus": "active",
            "averageBalance": 3500000,
            "overdraftLimit": 0,
            "dailyLimit": 2000000,
            "isPrimaryAccount": False
        },
        {
            "accountNumber": "0174839201",
            "accountType": "domiciliary",
            "accountCurrency": "USD",
            "purposeOfAccount": "foreign currency receipts",
            "openingDate": "2022-01-05T00:00:00.000Z",
            "accountStatus": "active",
            "averageBalance": 4200,
            "isPrimaryAccount": False
        }
    ],
    "kycDocuments": [
        {
            "type": "bvn",
            "documentNumber": "22198765432",
            "issuingCountry": "NG",
            "issuingAuthority": "Nigeria Inter-Bank Settlement System (NIBSS)",
            "issueDate": "2014-09-01T00:00:00.000Z",
            "status": "verified",
            "verifiedAt": "2024-01-15T08:30:00.000Z"
        },
        {
            "type": "nin",
            "documentNumber": "12345678901",
            "issuingCountry": "NG",
            "issuingAuthority": "National Identity Management Commission (NIMC)",
            "issueDate": "2016-03-20T00:00:00.000Z",
            "status": "verified",
            "verifiedAt": "2024-01-15T08:32:00.000Z"
        },
        {
            "type": "passport",
            "documentNumber": "A01234567",
            "issuingCountry": "NG",
            "issuingAuthority": "Nigeria Immigration Service",
            "issueDate": "2020-06-10T00:00:00.000Z",
            "expiryDate": "2030-06-09T00:00:00.000Z",
            "fileUrl": "https://docs.example.com/kyc/passport/CUS-NG-20240101-001.jpg",
            "status": "verified",
            "verifiedAt": "2024-01-15T08:35:00.000Z"
        },
        {
            "type": "utility_bill",
            "issuingCountry": "NG",
            "issueDate": "2024-01-01T00:00:00.000Z",
            "expiryDate": "2024-04-01T00:00:00.000Z",
            "fileUrl": "https://docs.example.com/kyc/utility/CUS-NG-20240101-001.pdf",
            "status": "verified",
            "verifiedAt": "2024-01-15T08:40:00.000Z"
        }
    ],
    "metadata": {
        "onboardingBranch": "Victoria Island",
        "referralCode": "REF-VIP-00221",
        "preferredLanguage": "en",
        "pushNotificationsEnabled": True,
        "tier": "tier_2"
    }
}
headers = {
    "apiKey": "<api-key>",
    "apiSecret": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    apiKey: '<api-key>',
    apiSecret: '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    uniqueId: 'CUS-NG-20240101-001',
    externalId: 'EXT-0048291',
    type: 'individual',
    status: 'active',
    customerSegment: 'retail',
    riskClassification: 'low',
    kycLevel: 'tier_2',
    channel: 'mobile',
    source: 'api',
    isSanctioned: false,
    isPep: false,
    watchlist: false,
    lastReviewDate: '2024-06-01T00:00:00.000Z',
    nextReviewDate: '2025-06-01T00:00:00.000Z',
    lastCheck: '2024-12-01T00:00:00.000Z',
    title: 'Mr',
    firstName: 'Chukwuemeka',
    lastName: 'Okafor',
    middleName: 'Tochukwu',
    dob: '1990-03-15T00:00:00.000Z',
    placeOfBirth: 'Onitsha',
    countryOfBirth: 'NG',
    gender: 'male',
    nationality: 'Nigerian',
    countryOfResidence: 'NG',
    residencyStatus: 'citizen',
    maritalStatus: 'married',
    religion: 'Christianity',
    educationLevel: 'BSc',
    stateOfOrigin: 'Anambra',
    lgaOfOrigin: 'Onitsha North',
    isDeceased: false,
    phone: '+2348031234567',
    alternatePhone: '+2348059876543',
    email: 'chukwuemeka.okafor@example.com',
    address: '14 Adeola Odeku Street, Victoria Island, Lagos',
    residentialAddress: '14 Adeola Odeku Street, Victoria Island, Lagos',
    mailingAddress: 'P.O. Box 4521, Victoria Island, Lagos',
    proofOfAddressType: 'utility_bill',
    proofOfAddress: 'https://docs.example.com/proof-of-address/CUS-NG-20240101-001.pdf',
    bvnNumber: '22198765432',
    ninNumber: '12345678901',
    passportNumber: 'A01234567',
    driversLicenseNumber: 'AAB23461LA0001',
    votersCardNumber: '91C7E2/Lagos/001/0019',
    taxId: '1234567890',
    taxResidency: 'NG',
    biometricVerified: true,
    occupation: 'Software Engineer',
    employmentStatus: 'employed',
    employerName: 'Interswitch Group',
    employerAddress: 'Plot 1261A, Bishops Court, Off Idejo Street, Victoria Island, Lagos',
    monthlyIncome: 850000,
    annualIncome: 10200000,
    netWorth: 45000000,
    sourceOfFunds: 'salary',
    sourceOfWealth: 'employment',
    mothersMaidenName: 'Eze',
    politicalAffiliation: false,
    politicalAffiliationRelationship: null,
    politicalPosition: false,
    politicalPositionDescription: null,
    pepDetails: null,
    bankCode: '058',
    bankName: 'Guaranty Trust Bank',
    bankCountry: 'NG',
    sortCode: '058152052',
    iban: null,
    relationshipStartDate: '2019-04-10T00:00:00.000Z',
    accounts: [
      {
        accountNumber: '0123456789',
        accountType: 'current',
        accountCurrency: 'NGN',
        purposeOfAccount: 'salary and day-to-day transactions',
        openingDate: '2019-04-10T00:00:00.000Z',
        accountStatus: 'active',
        averageBalance: 1200000,
        overdraftLimit: 500000,
        dailyLimit: 5000000,
        isPrimaryAccount: true
      },
      {
        accountNumber: '0198765432',
        accountType: 'savings',
        accountCurrency: 'NGN',
        purposeOfAccount: 'personal savings',
        openingDate: '2020-07-22T00:00:00.000Z',
        accountStatus: 'active',
        averageBalance: 3500000,
        overdraftLimit: 0,
        dailyLimit: 2000000,
        isPrimaryAccount: false
      },
      {
        accountNumber: '0174839201',
        accountType: 'domiciliary',
        accountCurrency: 'USD',
        purposeOfAccount: 'foreign currency receipts',
        openingDate: '2022-01-05T00:00:00.000Z',
        accountStatus: 'active',
        averageBalance: 4200,
        isPrimaryAccount: false
      }
    ],
    kycDocuments: [
      {
        type: 'bvn',
        documentNumber: '22198765432',
        issuingCountry: 'NG',
        issuingAuthority: 'Nigeria Inter-Bank Settlement System (NIBSS)',
        issueDate: '2014-09-01T00:00:00.000Z',
        status: 'verified',
        verifiedAt: '2024-01-15T08:30:00.000Z'
      },
      {
        type: 'nin',
        documentNumber: '12345678901',
        issuingCountry: 'NG',
        issuingAuthority: 'National Identity Management Commission (NIMC)',
        issueDate: '2016-03-20T00:00:00.000Z',
        status: 'verified',
        verifiedAt: '2024-01-15T08:32:00.000Z'
      },
      {
        type: 'passport',
        documentNumber: 'A01234567',
        issuingCountry: 'NG',
        issuingAuthority: 'Nigeria Immigration Service',
        issueDate: '2020-06-10T00:00:00.000Z',
        expiryDate: '2030-06-09T00:00:00.000Z',
        fileUrl: 'https://docs.example.com/kyc/passport/CUS-NG-20240101-001.jpg',
        status: 'verified',
        verifiedAt: '2024-01-15T08:35:00.000Z'
      },
      {
        type: 'utility_bill',
        issuingCountry: 'NG',
        issueDate: '2024-01-01T00:00:00.000Z',
        expiryDate: '2024-04-01T00:00:00.000Z',
        fileUrl: 'https://docs.example.com/kyc/utility/CUS-NG-20240101-001.pdf',
        status: 'verified',
        verifiedAt: '2024-01-15T08:40:00.000Z'
      }
    ],
    metadata: {
      onboardingBranch: 'Victoria Island',
      referralCode: 'REF-VIP-00221',
      preferredLanguage: 'en',
      pushNotificationsEnabled: true,
      tier: 'tier_2'
    }
  })
};

fetch('https://sigmacdd.sabipay.com/api/v1/cdd/customers', 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://sigmacdd.sabipay.com/api/v1/cdd/customers",
  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([
    'uniqueId' => 'CUS-NG-20240101-001',
    'externalId' => 'EXT-0048291',
    'type' => 'individual',
    'status' => 'active',
    'customerSegment' => 'retail',
    'riskClassification' => 'low',
    'kycLevel' => 'tier_2',
    'channel' => 'mobile',
    'source' => 'api',
    'isSanctioned' => false,
    'isPep' => false,
    'watchlist' => false,
    'lastReviewDate' => '2024-06-01T00:00:00.000Z',
    'nextReviewDate' => '2025-06-01T00:00:00.000Z',
    'lastCheck' => '2024-12-01T00:00:00.000Z',
    'title' => 'Mr',
    'firstName' => 'Chukwuemeka',
    'lastName' => 'Okafor',
    'middleName' => 'Tochukwu',
    'dob' => '1990-03-15T00:00:00.000Z',
    'placeOfBirth' => 'Onitsha',
    'countryOfBirth' => 'NG',
    'gender' => 'male',
    'nationality' => 'Nigerian',
    'countryOfResidence' => 'NG',
    'residencyStatus' => 'citizen',
    'maritalStatus' => 'married',
    'religion' => 'Christianity',
    'educationLevel' => 'BSc',
    'stateOfOrigin' => 'Anambra',
    'lgaOfOrigin' => 'Onitsha North',
    'isDeceased' => false,
    'phone' => '+2348031234567',
    'alternatePhone' => '+2348059876543',
    'email' => 'chukwuemeka.okafor@example.com',
    'address' => '14 Adeola Odeku Street, Victoria Island, Lagos',
    'residentialAddress' => '14 Adeola Odeku Street, Victoria Island, Lagos',
    'mailingAddress' => 'P.O. Box 4521, Victoria Island, Lagos',
    'proofOfAddressType' => 'utility_bill',
    'proofOfAddress' => 'https://docs.example.com/proof-of-address/CUS-NG-20240101-001.pdf',
    'bvnNumber' => '22198765432',
    'ninNumber' => '12345678901',
    'passportNumber' => 'A01234567',
    'driversLicenseNumber' => 'AAB23461LA0001',
    'votersCardNumber' => '91C7E2/Lagos/001/0019',
    'taxId' => '1234567890',
    'taxResidency' => 'NG',
    'biometricVerified' => true,
    'occupation' => 'Software Engineer',
    'employmentStatus' => 'employed',
    'employerName' => 'Interswitch Group',
    'employerAddress' => 'Plot 1261A, Bishops Court, Off Idejo Street, Victoria Island, Lagos',
    'monthlyIncome' => 850000,
    'annualIncome' => 10200000,
    'netWorth' => 45000000,
    'sourceOfFunds' => 'salary',
    'sourceOfWealth' => 'employment',
    'mothersMaidenName' => 'Eze',
    'politicalAffiliation' => false,
    'politicalAffiliationRelationship' => null,
    'politicalPosition' => false,
    'politicalPositionDescription' => null,
    'pepDetails' => null,
    'bankCode' => '058',
    'bankName' => 'Guaranty Trust Bank',
    'bankCountry' => 'NG',
    'sortCode' => '058152052',
    'iban' => null,
    'relationshipStartDate' => '2019-04-10T00:00:00.000Z',
    'accounts' => [
        [
                'accountNumber' => '0123456789',
                'accountType' => 'current',
                'accountCurrency' => 'NGN',
                'purposeOfAccount' => 'salary and day-to-day transactions',
                'openingDate' => '2019-04-10T00:00:00.000Z',
                'accountStatus' => 'active',
                'averageBalance' => 1200000,
                'overdraftLimit' => 500000,
                'dailyLimit' => 5000000,
                'isPrimaryAccount' => true
        ],
        [
                'accountNumber' => '0198765432',
                'accountType' => 'savings',
                'accountCurrency' => 'NGN',
                'purposeOfAccount' => 'personal savings',
                'openingDate' => '2020-07-22T00:00:00.000Z',
                'accountStatus' => 'active',
                'averageBalance' => 3500000,
                'overdraftLimit' => 0,
                'dailyLimit' => 2000000,
                'isPrimaryAccount' => false
        ],
        [
                'accountNumber' => '0174839201',
                'accountType' => 'domiciliary',
                'accountCurrency' => 'USD',
                'purposeOfAccount' => 'foreign currency receipts',
                'openingDate' => '2022-01-05T00:00:00.000Z',
                'accountStatus' => 'active',
                'averageBalance' => 4200,
                'isPrimaryAccount' => false
        ]
    ],
    'kycDocuments' => [
        [
                'type' => 'bvn',
                'documentNumber' => '22198765432',
                'issuingCountry' => 'NG',
                'issuingAuthority' => 'Nigeria Inter-Bank Settlement System (NIBSS)',
                'issueDate' => '2014-09-01T00:00:00.000Z',
                'status' => 'verified',
                'verifiedAt' => '2024-01-15T08:30:00.000Z'
        ],
        [
                'type' => 'nin',
                'documentNumber' => '12345678901',
                'issuingCountry' => 'NG',
                'issuingAuthority' => 'National Identity Management Commission (NIMC)',
                'issueDate' => '2016-03-20T00:00:00.000Z',
                'status' => 'verified',
                'verifiedAt' => '2024-01-15T08:32:00.000Z'
        ],
        [
                'type' => 'passport',
                'documentNumber' => 'A01234567',
                'issuingCountry' => 'NG',
                'issuingAuthority' => 'Nigeria Immigration Service',
                'issueDate' => '2020-06-10T00:00:00.000Z',
                'expiryDate' => '2030-06-09T00:00:00.000Z',
                'fileUrl' => 'https://docs.example.com/kyc/passport/CUS-NG-20240101-001.jpg',
                'status' => 'verified',
                'verifiedAt' => '2024-01-15T08:35:00.000Z'
        ],
        [
                'type' => 'utility_bill',
                'issuingCountry' => 'NG',
                'issueDate' => '2024-01-01T00:00:00.000Z',
                'expiryDate' => '2024-04-01T00:00:00.000Z',
                'fileUrl' => 'https://docs.example.com/kyc/utility/CUS-NG-20240101-001.pdf',
                'status' => 'verified',
                'verifiedAt' => '2024-01-15T08:40:00.000Z'
        ]
    ],
    'metadata' => [
        'onboardingBranch' => 'Victoria Island',
        'referralCode' => 'REF-VIP-00221',
        'preferredLanguage' => 'en',
        'pushNotificationsEnabled' => true,
        'tier' => 'tier_2'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "apiKey: <api-key>",
    "apiSecret: <api-key>"
  ],
]);

$response = curl_exec($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://sigmacdd.sabipay.com/api/v1/cdd/customers"

	payload := strings.NewReader("{\n  \"uniqueId\": \"CUS-NG-20240101-001\",\n  \"externalId\": \"EXT-0048291\",\n  \"type\": \"individual\",\n  \"status\": \"active\",\n  \"customerSegment\": \"retail\",\n  \"riskClassification\": \"low\",\n  \"kycLevel\": \"tier_2\",\n  \"channel\": \"mobile\",\n  \"source\": \"api\",\n  \"isSanctioned\": false,\n  \"isPep\": false,\n  \"watchlist\": false,\n  \"lastReviewDate\": \"2024-06-01T00:00:00.000Z\",\n  \"nextReviewDate\": \"2025-06-01T00:00:00.000Z\",\n  \"lastCheck\": \"2024-12-01T00:00:00.000Z\",\n  \"title\": \"Mr\",\n  \"firstName\": \"Chukwuemeka\",\n  \"lastName\": \"Okafor\",\n  \"middleName\": \"Tochukwu\",\n  \"dob\": \"1990-03-15T00:00:00.000Z\",\n  \"placeOfBirth\": \"Onitsha\",\n  \"countryOfBirth\": \"NG\",\n  \"gender\": \"male\",\n  \"nationality\": \"Nigerian\",\n  \"countryOfResidence\": \"NG\",\n  \"residencyStatus\": \"citizen\",\n  \"maritalStatus\": \"married\",\n  \"religion\": \"Christianity\",\n  \"educationLevel\": \"BSc\",\n  \"stateOfOrigin\": \"Anambra\",\n  \"lgaOfOrigin\": \"Onitsha North\",\n  \"isDeceased\": false,\n  \"phone\": \"+2348031234567\",\n  \"alternatePhone\": \"+2348059876543\",\n  \"email\": \"chukwuemeka.okafor@example.com\",\n  \"address\": \"14 Adeola Odeku Street, Victoria Island, Lagos\",\n  \"residentialAddress\": \"14 Adeola Odeku Street, Victoria Island, Lagos\",\n  \"mailingAddress\": \"P.O. Box 4521, Victoria Island, Lagos\",\n  \"proofOfAddressType\": \"utility_bill\",\n  \"proofOfAddress\": \"https://docs.example.com/proof-of-address/CUS-NG-20240101-001.pdf\",\n  \"bvnNumber\": \"22198765432\",\n  \"ninNumber\": \"12345678901\",\n  \"passportNumber\": \"A01234567\",\n  \"driversLicenseNumber\": \"AAB23461LA0001\",\n  \"votersCardNumber\": \"91C7E2/Lagos/001/0019\",\n  \"taxId\": \"1234567890\",\n  \"taxResidency\": \"NG\",\n  \"biometricVerified\": true,\n  \"occupation\": \"Software Engineer\",\n  \"employmentStatus\": \"employed\",\n  \"employerName\": \"Interswitch Group\",\n  \"employerAddress\": \"Plot 1261A, Bishops Court, Off Idejo Street, Victoria Island, Lagos\",\n  \"monthlyIncome\": 850000,\n  \"annualIncome\": 10200000,\n  \"netWorth\": 45000000,\n  \"sourceOfFunds\": \"salary\",\n  \"sourceOfWealth\": \"employment\",\n  \"mothersMaidenName\": \"Eze\",\n  \"politicalAffiliation\": false,\n  \"politicalAffiliationRelationship\": null,\n  \"politicalPosition\": false,\n  \"politicalPositionDescription\": null,\n  \"pepDetails\": null,\n  \"bankCode\": \"058\",\n  \"bankName\": \"Guaranty Trust Bank\",\n  \"bankCountry\": \"NG\",\n  \"sortCode\": \"058152052\",\n  \"iban\": null,\n  \"relationshipStartDate\": \"2019-04-10T00:00:00.000Z\",\n  \"accounts\": [\n    {\n      \"accountNumber\": \"0123456789\",\n      \"accountType\": \"current\",\n      \"accountCurrency\": \"NGN\",\n      \"purposeOfAccount\": \"salary and day-to-day transactions\",\n      \"openingDate\": \"2019-04-10T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 1200000,\n      \"overdraftLimit\": 500000,\n      \"dailyLimit\": 5000000,\n      \"isPrimaryAccount\": true\n    },\n    {\n      \"accountNumber\": \"0198765432\",\n      \"accountType\": \"savings\",\n      \"accountCurrency\": \"NGN\",\n      \"purposeOfAccount\": \"personal savings\",\n      \"openingDate\": \"2020-07-22T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 3500000,\n      \"overdraftLimit\": 0,\n      \"dailyLimit\": 2000000,\n      \"isPrimaryAccount\": false\n    },\n    {\n      \"accountNumber\": \"0174839201\",\n      \"accountType\": \"domiciliary\",\n      \"accountCurrency\": \"USD\",\n      \"purposeOfAccount\": \"foreign currency receipts\",\n      \"openingDate\": \"2022-01-05T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 4200,\n      \"isPrimaryAccount\": false\n    }\n  ],\n  \"kycDocuments\": [\n    {\n      \"type\": \"bvn\",\n      \"documentNumber\": \"22198765432\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"Nigeria Inter-Bank Settlement System (NIBSS)\",\n      \"issueDate\": \"2014-09-01T00:00:00.000Z\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:30:00.000Z\"\n    },\n    {\n      \"type\": \"nin\",\n      \"documentNumber\": \"12345678901\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"National Identity Management Commission (NIMC)\",\n      \"issueDate\": \"2016-03-20T00:00:00.000Z\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:32:00.000Z\"\n    },\n    {\n      \"type\": \"passport\",\n      \"documentNumber\": \"A01234567\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"Nigeria Immigration Service\",\n      \"issueDate\": \"2020-06-10T00:00:00.000Z\",\n      \"expiryDate\": \"2030-06-09T00:00:00.000Z\",\n      \"fileUrl\": \"https://docs.example.com/kyc/passport/CUS-NG-20240101-001.jpg\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:35:00.000Z\"\n    },\n    {\n      \"type\": \"utility_bill\",\n      \"issuingCountry\": \"NG\",\n      \"issueDate\": \"2024-01-01T00:00:00.000Z\",\n      \"expiryDate\": \"2024-04-01T00:00:00.000Z\",\n      \"fileUrl\": \"https://docs.example.com/kyc/utility/CUS-NG-20240101-001.pdf\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:40:00.000Z\"\n    }\n  ],\n  \"metadata\": {\n    \"onboardingBranch\": \"Victoria Island\",\n    \"referralCode\": \"REF-VIP-00221\",\n    \"preferredLanguage\": \"en\",\n    \"pushNotificationsEnabled\": true,\n    \"tier\": \"tier_2\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("apiKey", "<api-key>")
	req.Header.Add("apiSecret", "<api-key>")
	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://sigmacdd.sabipay.com/api/v1/cdd/customers")
  .header("apiKey", "<api-key>")
  .header("apiSecret", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"uniqueId\": \"CUS-NG-20240101-001\",\n  \"externalId\": \"EXT-0048291\",\n  \"type\": \"individual\",\n  \"status\": \"active\",\n  \"customerSegment\": \"retail\",\n  \"riskClassification\": \"low\",\n  \"kycLevel\": \"tier_2\",\n  \"channel\": \"mobile\",\n  \"source\": \"api\",\n  \"isSanctioned\": false,\n  \"isPep\": false,\n  \"watchlist\": false,\n  \"lastReviewDate\": \"2024-06-01T00:00:00.000Z\",\n  \"nextReviewDate\": \"2025-06-01T00:00:00.000Z\",\n  \"lastCheck\": \"2024-12-01T00:00:00.000Z\",\n  \"title\": \"Mr\",\n  \"firstName\": \"Chukwuemeka\",\n  \"lastName\": \"Okafor\",\n  \"middleName\": \"Tochukwu\",\n  \"dob\": \"1990-03-15T00:00:00.000Z\",\n  \"placeOfBirth\": \"Onitsha\",\n  \"countryOfBirth\": \"NG\",\n  \"gender\": \"male\",\n  \"nationality\": \"Nigerian\",\n  \"countryOfResidence\": \"NG\",\n  \"residencyStatus\": \"citizen\",\n  \"maritalStatus\": \"married\",\n  \"religion\": \"Christianity\",\n  \"educationLevel\": \"BSc\",\n  \"stateOfOrigin\": \"Anambra\",\n  \"lgaOfOrigin\": \"Onitsha North\",\n  \"isDeceased\": false,\n  \"phone\": \"+2348031234567\",\n  \"alternatePhone\": \"+2348059876543\",\n  \"email\": \"chukwuemeka.okafor@example.com\",\n  \"address\": \"14 Adeola Odeku Street, Victoria Island, Lagos\",\n  \"residentialAddress\": \"14 Adeola Odeku Street, Victoria Island, Lagos\",\n  \"mailingAddress\": \"P.O. Box 4521, Victoria Island, Lagos\",\n  \"proofOfAddressType\": \"utility_bill\",\n  \"proofOfAddress\": \"https://docs.example.com/proof-of-address/CUS-NG-20240101-001.pdf\",\n  \"bvnNumber\": \"22198765432\",\n  \"ninNumber\": \"12345678901\",\n  \"passportNumber\": \"A01234567\",\n  \"driversLicenseNumber\": \"AAB23461LA0001\",\n  \"votersCardNumber\": \"91C7E2/Lagos/001/0019\",\n  \"taxId\": \"1234567890\",\n  \"taxResidency\": \"NG\",\n  \"biometricVerified\": true,\n  \"occupation\": \"Software Engineer\",\n  \"employmentStatus\": \"employed\",\n  \"employerName\": \"Interswitch Group\",\n  \"employerAddress\": \"Plot 1261A, Bishops Court, Off Idejo Street, Victoria Island, Lagos\",\n  \"monthlyIncome\": 850000,\n  \"annualIncome\": 10200000,\n  \"netWorth\": 45000000,\n  \"sourceOfFunds\": \"salary\",\n  \"sourceOfWealth\": \"employment\",\n  \"mothersMaidenName\": \"Eze\",\n  \"politicalAffiliation\": false,\n  \"politicalAffiliationRelationship\": null,\n  \"politicalPosition\": false,\n  \"politicalPositionDescription\": null,\n  \"pepDetails\": null,\n  \"bankCode\": \"058\",\n  \"bankName\": \"Guaranty Trust Bank\",\n  \"bankCountry\": \"NG\",\n  \"sortCode\": \"058152052\",\n  \"iban\": null,\n  \"relationshipStartDate\": \"2019-04-10T00:00:00.000Z\",\n  \"accounts\": [\n    {\n      \"accountNumber\": \"0123456789\",\n      \"accountType\": \"current\",\n      \"accountCurrency\": \"NGN\",\n      \"purposeOfAccount\": \"salary and day-to-day transactions\",\n      \"openingDate\": \"2019-04-10T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 1200000,\n      \"overdraftLimit\": 500000,\n      \"dailyLimit\": 5000000,\n      \"isPrimaryAccount\": true\n    },\n    {\n      \"accountNumber\": \"0198765432\",\n      \"accountType\": \"savings\",\n      \"accountCurrency\": \"NGN\",\n      \"purposeOfAccount\": \"personal savings\",\n      \"openingDate\": \"2020-07-22T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 3500000,\n      \"overdraftLimit\": 0,\n      \"dailyLimit\": 2000000,\n      \"isPrimaryAccount\": false\n    },\n    {\n      \"accountNumber\": \"0174839201\",\n      \"accountType\": \"domiciliary\",\n      \"accountCurrency\": \"USD\",\n      \"purposeOfAccount\": \"foreign currency receipts\",\n      \"openingDate\": \"2022-01-05T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 4200,\n      \"isPrimaryAccount\": false\n    }\n  ],\n  \"kycDocuments\": [\n    {\n      \"type\": \"bvn\",\n      \"documentNumber\": \"22198765432\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"Nigeria Inter-Bank Settlement System (NIBSS)\",\n      \"issueDate\": \"2014-09-01T00:00:00.000Z\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:30:00.000Z\"\n    },\n    {\n      \"type\": \"nin\",\n      \"documentNumber\": \"12345678901\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"National Identity Management Commission (NIMC)\",\n      \"issueDate\": \"2016-03-20T00:00:00.000Z\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:32:00.000Z\"\n    },\n    {\n      \"type\": \"passport\",\n      \"documentNumber\": \"A01234567\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"Nigeria Immigration Service\",\n      \"issueDate\": \"2020-06-10T00:00:00.000Z\",\n      \"expiryDate\": \"2030-06-09T00:00:00.000Z\",\n      \"fileUrl\": \"https://docs.example.com/kyc/passport/CUS-NG-20240101-001.jpg\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:35:00.000Z\"\n    },\n    {\n      \"type\": \"utility_bill\",\n      \"issuingCountry\": \"NG\",\n      \"issueDate\": \"2024-01-01T00:00:00.000Z\",\n      \"expiryDate\": \"2024-04-01T00:00:00.000Z\",\n      \"fileUrl\": \"https://docs.example.com/kyc/utility/CUS-NG-20240101-001.pdf\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:40:00.000Z\"\n    }\n  ],\n  \"metadata\": {\n    \"onboardingBranch\": \"Victoria Island\",\n    \"referralCode\": \"REF-VIP-00221\",\n    \"preferredLanguage\": \"en\",\n    \"pushNotificationsEnabled\": true,\n    \"tier\": \"tier_2\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://sigmacdd.sabipay.com/api/v1/cdd/customers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["apiKey"] = '<api-key>'
request["apiSecret"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"uniqueId\": \"CUS-NG-20240101-001\",\n  \"externalId\": \"EXT-0048291\",\n  \"type\": \"individual\",\n  \"status\": \"active\",\n  \"customerSegment\": \"retail\",\n  \"riskClassification\": \"low\",\n  \"kycLevel\": \"tier_2\",\n  \"channel\": \"mobile\",\n  \"source\": \"api\",\n  \"isSanctioned\": false,\n  \"isPep\": false,\n  \"watchlist\": false,\n  \"lastReviewDate\": \"2024-06-01T00:00:00.000Z\",\n  \"nextReviewDate\": \"2025-06-01T00:00:00.000Z\",\n  \"lastCheck\": \"2024-12-01T00:00:00.000Z\",\n  \"title\": \"Mr\",\n  \"firstName\": \"Chukwuemeka\",\n  \"lastName\": \"Okafor\",\n  \"middleName\": \"Tochukwu\",\n  \"dob\": \"1990-03-15T00:00:00.000Z\",\n  \"placeOfBirth\": \"Onitsha\",\n  \"countryOfBirth\": \"NG\",\n  \"gender\": \"male\",\n  \"nationality\": \"Nigerian\",\n  \"countryOfResidence\": \"NG\",\n  \"residencyStatus\": \"citizen\",\n  \"maritalStatus\": \"married\",\n  \"religion\": \"Christianity\",\n  \"educationLevel\": \"BSc\",\n  \"stateOfOrigin\": \"Anambra\",\n  \"lgaOfOrigin\": \"Onitsha North\",\n  \"isDeceased\": false,\n  \"phone\": \"+2348031234567\",\n  \"alternatePhone\": \"+2348059876543\",\n  \"email\": \"chukwuemeka.okafor@example.com\",\n  \"address\": \"14 Adeola Odeku Street, Victoria Island, Lagos\",\n  \"residentialAddress\": \"14 Adeola Odeku Street, Victoria Island, Lagos\",\n  \"mailingAddress\": \"P.O. Box 4521, Victoria Island, Lagos\",\n  \"proofOfAddressType\": \"utility_bill\",\n  \"proofOfAddress\": \"https://docs.example.com/proof-of-address/CUS-NG-20240101-001.pdf\",\n  \"bvnNumber\": \"22198765432\",\n  \"ninNumber\": \"12345678901\",\n  \"passportNumber\": \"A01234567\",\n  \"driversLicenseNumber\": \"AAB23461LA0001\",\n  \"votersCardNumber\": \"91C7E2/Lagos/001/0019\",\n  \"taxId\": \"1234567890\",\n  \"taxResidency\": \"NG\",\n  \"biometricVerified\": true,\n  \"occupation\": \"Software Engineer\",\n  \"employmentStatus\": \"employed\",\n  \"employerName\": \"Interswitch Group\",\n  \"employerAddress\": \"Plot 1261A, Bishops Court, Off Idejo Street, Victoria Island, Lagos\",\n  \"monthlyIncome\": 850000,\n  \"annualIncome\": 10200000,\n  \"netWorth\": 45000000,\n  \"sourceOfFunds\": \"salary\",\n  \"sourceOfWealth\": \"employment\",\n  \"mothersMaidenName\": \"Eze\",\n  \"politicalAffiliation\": false,\n  \"politicalAffiliationRelationship\": null,\n  \"politicalPosition\": false,\n  \"politicalPositionDescription\": null,\n  \"pepDetails\": null,\n  \"bankCode\": \"058\",\n  \"bankName\": \"Guaranty Trust Bank\",\n  \"bankCountry\": \"NG\",\n  \"sortCode\": \"058152052\",\n  \"iban\": null,\n  \"relationshipStartDate\": \"2019-04-10T00:00:00.000Z\",\n  \"accounts\": [\n    {\n      \"accountNumber\": \"0123456789\",\n      \"accountType\": \"current\",\n      \"accountCurrency\": \"NGN\",\n      \"purposeOfAccount\": \"salary and day-to-day transactions\",\n      \"openingDate\": \"2019-04-10T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 1200000,\n      \"overdraftLimit\": 500000,\n      \"dailyLimit\": 5000000,\n      \"isPrimaryAccount\": true\n    },\n    {\n      \"accountNumber\": \"0198765432\",\n      \"accountType\": \"savings\",\n      \"accountCurrency\": \"NGN\",\n      \"purposeOfAccount\": \"personal savings\",\n      \"openingDate\": \"2020-07-22T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 3500000,\n      \"overdraftLimit\": 0,\n      \"dailyLimit\": 2000000,\n      \"isPrimaryAccount\": false\n    },\n    {\n      \"accountNumber\": \"0174839201\",\n      \"accountType\": \"domiciliary\",\n      \"accountCurrency\": \"USD\",\n      \"purposeOfAccount\": \"foreign currency receipts\",\n      \"openingDate\": \"2022-01-05T00:00:00.000Z\",\n      \"accountStatus\": \"active\",\n      \"averageBalance\": 4200,\n      \"isPrimaryAccount\": false\n    }\n  ],\n  \"kycDocuments\": [\n    {\n      \"type\": \"bvn\",\n      \"documentNumber\": \"22198765432\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"Nigeria Inter-Bank Settlement System (NIBSS)\",\n      \"issueDate\": \"2014-09-01T00:00:00.000Z\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:30:00.000Z\"\n    },\n    {\n      \"type\": \"nin\",\n      \"documentNumber\": \"12345678901\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"National Identity Management Commission (NIMC)\",\n      \"issueDate\": \"2016-03-20T00:00:00.000Z\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:32:00.000Z\"\n    },\n    {\n      \"type\": \"passport\",\n      \"documentNumber\": \"A01234567\",\n      \"issuingCountry\": \"NG\",\n      \"issuingAuthority\": \"Nigeria Immigration Service\",\n      \"issueDate\": \"2020-06-10T00:00:00.000Z\",\n      \"expiryDate\": \"2030-06-09T00:00:00.000Z\",\n      \"fileUrl\": \"https://docs.example.com/kyc/passport/CUS-NG-20240101-001.jpg\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:35:00.000Z\"\n    },\n    {\n      \"type\": \"utility_bill\",\n      \"issuingCountry\": \"NG\",\n      \"issueDate\": \"2024-01-01T00:00:00.000Z\",\n      \"expiryDate\": \"2024-04-01T00:00:00.000Z\",\n      \"fileUrl\": \"https://docs.example.com/kyc/utility/CUS-NG-20240101-001.pdf\",\n      \"status\": \"verified\",\n      \"verifiedAt\": \"2024-01-15T08:40:00.000Z\"\n    }\n  ],\n  \"metadata\": {\n    \"onboardingBranch\": \"Victoria Island\",\n    \"referralCode\": \"REF-VIP-00221\",\n    \"preferredLanguage\": \"en\",\n    \"pushNotificationsEnabled\": true,\n    \"tier\": \"tier_2\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "message": "CDD customer created successfully",
  "data": {
    "_id": "67f50d48c2a7d1f2b6e99389",
    "uniqueId": "CUS-NG-20240101-001",
    "type": "individual",
    "firstName": "Chukwuemeka",
    "lastName": "Okafor",
    "channel": "mobile",
    "status": "active",
    "kycLevel": "tier_2",
    "createdAt": "2026-03-25T10:25:00.000Z"
  }
}

{
  "message": "Customer with uniqueId CUS-NG-20240101-001 already exists"
}