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# Onboarding

The **Onboarding** components allow an end-user to complete end-to-end onboarding to the Upward Platform.\
There are two separate onboarding flows:

* **Card Onboarding** — for end-users applying for a Card program.
* **CBaaS Onboarding** — for end-users onboarding to Credit Builder as a Service.

---

# Onboarding Steps

## 1. Create Consumer

Partners must create a consumer via the [Create Consumer](/api-access/api-reference/consumers/create-new-consumer) API before loading the onboarding components.
The onboarding UI component will be prefilled with the data provided.

---

## 2. Authentication

Both onboarding components require a JWT with specific scopes.

### Required Scopes

* **Card Onboarding**:\
  `api:card-management:read`, `api:lending:write`, `ui:client-onboarding`

* **CBaaS Onboarding**:\
  `ui:client-onboarding`, `api:consumer-profile:read`, `api:trade-line:read`

See [Auth](/api-access/api-reference/auth/create-token-request) API

---

## 3. Load Upward UI Component

At this step, load the correct component based on the flow:

### Parameters

| Parameter      | Value            | Notes                                                                                                                       |
| -------------- | ---------------- | --------------------------------------------------------------------------------------------------------------------------- |
| `pcid`         | Guid or Similar  | A unique ID that your platform stores for this user.                                                                        |
| `access_token` | JWT Bearer Token | Must include the `ui:client-onboarding` scope. Useful if your platform cannot inject the token directly into the component. |

### Card Onboarding Component

* **Component URL:**\
  [https://component-embedded-sandbox.upwardli.com/en/onboarding/card-product/?access\_token=\&pcid=](https://component-embedded-sandbox.upwardli.com/en/onboarding/card-product/?access_token=\&pcid=)

### Credit Builder Onboarding Component

* **Component URL:**\
  [https://component-embedded-sandbox.upwardli.com/onboarding/?access\_token=\&pcid=](https://component-embedded-sandbox.upwardli.com/onboarding/?access_token=\&pcid=)

### Example — React Native

```react
export default function OnboardingScreen({ route }: Props) {
const url = "Flow URL";
return (
  <SafeAreaView>
    <View>
      <JwtAuthWebview url={url} />
    </View>
  </SafeAreaView>
);
}
```