> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ladder.africa/llms.txt
> Use this file to discover all available pages before exploring further.

# Onboarding

> Ladder onboards your business with you directly. Your developers start in the sandbox straight away.

You don't complete KYB through the API. Ladder's partnerships team collects your business details and documents, sets up your organisation and reviews it. Your developers don't need to wait: test keys arrive first and the whole sandbox is open while the review runs.

**1. Share your details with Ladder**

Send the partnerships team what the review needs (see the list below).

**2. Receive test keys**

Ladder creates your organisation and issues a `pk_test_…` key id and an `sk_test_…` secret, first on UAT (`https://api-dev.myladder.africa`). The secret is shown once; store it in a secrets manager.

**3. Build against the sandbox**

Fund wallets, place and redeem orders, set up mandates and receive webhooks. See the [Quickstart](https://docs.ladder.africa/guides/quickstart.md).

**4. Approval and live keys**

When Ladder approves your business, you receive a `kyb.status_changed` webhook and `pk_live_…` keys. Live keys on an unapproved organisation are refused.

## What Ladder needs from you

> [accordion] Business details
>
> Legal and trading name, country, entity type, registration number, date of incorporation, tax ID, registered and operating addresses, industry, use case, expected monthly volume, source of funds, regulator, licence type and number, and a business and a technical contact.

> [accordion] People
>
> At least one director and one authorised signatory, and every beneficial owner holding 5 percent or more. For each: full name, date of birth, nationality, ID type and number, and whether they are a politically exposed person.

> [accordion] Documents
>
> Certificate of incorporation, registry status report (CAC status report, or Form 3 in Ghana), constitution (MEMART), board resolution, proof of address, financial statement, AML policy, regulatory licence, and an ID document for each person. PDF, JPEG or PNG, up to 2 MB each.

> [accordion] Settlement accounts
>
> The bank account in your organisation's name that Ladder pays redemptions and payouts to, one per currency, with the bank code for NGN accounts. A direct-debit mandate is taken on one of these accounts.

## Checking your status

`GET /organisation` returns `kyb_status`:

```
draft → submitted → in_review → approved
                        ↓
               more_info_required
```

`more_info_required` means the partnerships team will be in touch about what is missing. Every change also fires a `kyb.status_changed` webhook with the new status.

Your settlement accounts, as Ladder holds them, are listed by [`GET /kyb/settlement-accounts`](https://docs.ladder.africa/guides/direct-debit-mandates); use an NGN account's `id` when you create a direct-debit mandate.


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