> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developers.upwardli.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developers.upwardli.com/_mcp/server.

# Prefill KYC Data

You can pre populate data for a consumer by calling the [create consumer api](/api-access/api-reference/consumers/create-new-consumer) and providing the following fields:

```json
{
    "pcid": "{pcid}", --> required
    "first_name": "Aaron",
    "last_name": "Gregory",
    "email": "agregory@email.com", --> required
    "phone_number": "14250986521",
    "date_of_birth": "1986-08-11", --> YYYY-MM-DD
    "address_line1": "402 67th St.",
    "address_line2": "Apt 123"
    "address_city": "Seattle",
    "address_state": "WA",
    "address_zip": "90054"
}
```

> **Info**
>
> If you are pre-filling you will need to use the auth token with `api:write | ui:client-onboarding` scope to
> correctly send the details.

![Pre-filled KYC](/_fern-img/b3de44997b47d6e1f85f74cc9c8687e6334858e1da373d93d6dfa351a5a6cffc.webp)

**Edge Cases / Unhappy path:**

1. If a user does not complete KYC, then you will only receive the consumer.created webhook
2. If a user fails KYC, then we will send a `consumer.kyc.failed` webhook. `kyc_status` under the consumer get api will also be set to failed. We will not open a credit line for any users who do not pass KYC.