Open your account

Right after you sign up, the app walks you through opening your account. It takes about ten minutes. Identity verification is done by our bank, Erebor, which also opens your deposit account.

Your answers aren’t saved if you close the wizard part-way. Closing it asks Exit without saving?

1. Choose an account type

• Individual: “I’m opening an account for myself.”
• Business: “I’m opening an account for my company.”

2. Fill in each step

Each step has Back and Continue. Continue stays disabled until the step is complete and valid.

Individual

1. Personal Details: name, date of birth, phone, and citizenship. US residents also enter their Social Security Number (all 9 digits); residents of other countries enter their tax ID.
2. Upload Documents: a photo of your government ID (front, and back for a driver’s license or state ID). If you live outside the US, a proof of address too.
3. Identity Verification: a short selfie check in your browser, matched against the ID you just uploaded. You need a camera.
4. Address: where you live. US addresses need a 5-digit ZIP code, and can’t be a PO Box.
5. Additional Information: employment, income, where your money comes from, what the account is for, and how much you expect to move each month.

Business

1. Upload Documents: your formation document and IRS EIN confirmation letter.
2. Business Details: legal name, website, entity type, industry, target market, EIN and year of incorporation.
3. Incorporation Address and Operating Address.
4. Additional Information: where the business’s money comes from and what the account is for.
5. Beneficial Owners: click Add Beneficial Owner for each owner and Add Control Person for the person who runs the company. Each person gets their own document, details and address screens.

3. Submit

Clicking Continue on the last step submits your application. There’s no separate review screen, so check each step before you continue.

4. What happens next

You’ll see Verifying your information while Erebor checks your details. Then one of:

You see	It means
Select Theme, then Enter Capital AI	Approved. Pick a theme and you’re in.
Welcome to Capital AI / “Creating your account”	Approved, and we’re setting up your trading account. You’ll land on Home in a moment.
Account is under review	A person is reviewing it, usually within 1 business day. We’ll email you.
Still setting up your account	It’s taking longer than usual. We’ll email you when it’s done.
Something went wrong	Click Try Again.

From code: follow progress with GET /api/onboarding/status.