This chapter focuses on the Co-Lister's perspective. If you are an Originator, you must first create a project and a token, then create a co-listing request in the NYALA web portal.
The following steps happen after you, the Co-Lister, have accepted a co-listing request and have started offering the asset to your investors.
When onboarding an investor for a co-listed token offering, Co-Listers follow a two-step process:
First, create the customer and submit KYC data using the existing NYALA customer endpoints. This is the same process used for standard issuance projects and generates a customer record in the NYALA system.
Once the customer is created, submit the additional data fields required by NYALA's liability umbrella partner for co-listing compliance review:
POST /api/external/v1/customers/kyc-concedus
# Staging BASE_URL: https://staging.api.nyala.de
# UAT BASE_URL: https://uat.api.nyala.de
# Production BASE_URL: https://api.nyala.de
# The {customerId} is 745f5542-c288-4c49-8284-40cfb69ee52e
curl -X POST {{BASE_URL}}/api/external/v1/customers/kyc-concedus \
-H "Content-Type: application/json" \
-H "Authorization: HMAC YOUR_API_KEY:GENERATED_SIGNATURE" \
-H "Content-Length: CALCULATED_CONTENT_LENGTH" \
-d '{
"naturalPerson": {
"customerId": "{customerId}",
"birthPlace": "A TOWN",
"birthCountry": "DE",
"precheckPep": false,
"verification": {
"verificationMethod": "VIDEO",
"approveTime": "2025-08-12T12:00:00",
"updateTime": "2025-09-12T12:00:00",
"vendor": "IDNOW"
},
"idDocument": {
"docType": "PASSPORT",
"issueCountry": "US",
"documentNumber": "122226789",
"additionalNumber": "933354321",
"issueDate": "2023-04-15",
"expireDate": "2033-04-14"
},
"attachments": [
{
"date": "2025-04-30",
"subject": "Identification",
"category": "KYC",
"file": "blank.pdf",
"key": "ATT001",
"modified": "2025-03-23T10:15:30",
"content": "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}
],
"compliance": {
"pep": true,
"pepChecked": "2025-08-12T12:00:00Z",
"sanction": false,
"sanctionChecked": "2025-08-12T12:00:00Z",
"pepHit": "Listed as PEP due to government position",
"pepListNames": [
"World Bank PEP List",
"EU PEP Database"
],
"sanctionHit": null,
"sanctionListNames": []
},
"customFields": [
{
"name": "KYC",
"value": "IDNOW-RELIANCE"
}
],
"investmentSurvey": {
"investmentExperience": [
{
"name": "AE18",
"value": "2"
},
{
"name": "AE19",
"value": "1"
},
{
"name": "AE20",
"value": "1"
},
{
"name": "AE21",
"value": "2"
},
{
"name": "AE22",
"value": "4"
}
],
"investorExperience": [
{
"name": "AE10",
"value": "2"
},
{
"name": "AE11",
"value": "1"
},
{
"name": "AE12",
"value": "1"
},
{
"name": "AE13",
"value": "2"
},
{
"name": "AE14",
"value": "2"
},
{
"name": "AE15",
"value": "4"
}
],
"customFields": [
{
"name": "ForceMissedKnowledge",
"value": "true"
}
],
"key": "INVST_1becc833-f89c-4000-9735-0a13b1d34ce1",
"modified": "2023-03-27T16:19:50"
}
}
}'The tables below describe parameters in the request for a natural person:
Object: naturalPerson
| Parameter | Description | Example Values |
|---|---|---|
| customerId | Unique identifier of the customer in NYALA system. Must match the customer ID created in Step 1. | "315759e9-5212-4d3a-8432-6eb9e986fb67" |
| birthPlace | City or town where the investor was born | "B TOWN" |
| birthCountry | Country of birth using two-letter country code (ISO 3166-1 alpha-2) | "AU", "DE", "US" |
| precheckPep | Indicates whether the customer has provided an initial self-declaration regarding their Politically Exposed Person (PEP) status. TRUE: The customer has responded to the PEP self-declaration question. FALSE: The customer has not yet responded. | true, false |
Important note regarding precheckPep field :
- A TRUE or FALSE value in this field does not reflect whether the person is a PEP, only whether they have answered the question.
- If a customer self-declares as a PEP (or is later identified as one through your KYC provider), further manual due diligence will be required before onboarding can be completed. Our compliance team will review the case and may request additional documentation.
- The self-declaration result may differ from the formal PEP determination made by your chosen KYC provider.
Object: verification
| Parameter | Description | Example Values |
|---|---|---|
| verificationMethod | Method used for identity verification | "VIDEO", "QES", "BANK" |
| approveTime | Timestamp when verification was approved (ISO 8601 DateTime) by you as Co-Lister | "2025-08-12T12:00:00" |
| updateTime | Timestamp of last verification update (ISO 8601 DateTime) | "2025-09-12T12:00:00" |
| vendor | Name of KYC verification vendor | "IDNOW", "ONFIDO", "etc" |
Important note regarding verificationMethod field:
QES and BANK are separate identity verification methods accepted in the Concedus (our liability umbrella partner) customer onboarding flow:
QES (Qualified Electronic Signature): The customer confirms their identity and signs the contract using a qualified electronic signature, typically via a certified provider or national eID solution. This provides a legally binding signature under eIDAS regulation.
BANK (Bank-Based Identification): The customer logs in using their online banking credentials to verify their identity, often followed by a TAN confirmation. This leverages the bank’s existing KYC and authentication infrastructure.
Distinctions between verification methods across partners:
Concedus treats QES and BANK as two separate, independent verification methods.
Custodian Tangany supports a combined method called qes_bankident, which integrates bank-based identification with a qualified electronic signature in a single workflow.
Custodian HADC does not currently support either the separate QES/BANK methods or the combined qes_bankident approach.
When integrating with different partners, please ensure you implement the specific verification method(s) each partner accepts.
Object: idDocument
| Parameter | Description | Example Values |
|---|---|---|
| docType | Type of identification document | "PASSPORT", "ID_CARD", "DRIVERS_LICENSE" |
| issueCountry | Country that issued the document (ISO 3166-1 alpha-2) | "US", "DE", "FR" |
| documentNumber | Official document number | "122226789" |
| additionalNumber | Additional document number (e.g., national ID number) | "933354321" |
| issueDate | Date when document was issued (ISO 8601 Date) | "2019-04-15" |
| expireDate | Date when document expires (ISO 8601 Date) | "2029-04-14" |
Array: attachments
Note on content field: This field contains the complete PDF document encoded in Base64 format. The PDF refers to the KYC identification report generated by your chosen KYC provider. This report typically includes the customer's scanned identity document and verification details. Each customer has one corresponding PDF file.
| Parameter | Description | Example Values |
|---|---|---|
| date | Date of attachment creation (ISO 8601 Date) | "2025-05-30" |
| subject | Subject or title of the attachment | "Identification" |
| category | Category of the attachment | "KYC" |
| file | Filename of the attachment | "test1.pdf" |
| key | Unique identifier for the attachment | "ATT002" |
| modified | Last modification timestamp (ISO 8601 DateTime) | "2025-03-23T10:15:30" |
| content | Base64-encoded content of the PDF file containing KYC verification documents | (Base64 string) |
Object: compliance
| Parameter | Description | Example Values |
|---|---|---|
| pep | Final determination if investor is a Politically Exposed Person by you/your chosen KYC provider | true, false |
| pepChecked | Timestamp when PEP screening was performed (ISO 8601 DateTime) | "2025-08-12T12:00:00Z" |
| sanction | Whether investor appears on sanctions lists | true, false |
| sanctionChecked | Timestamp when sanctions screening was performed (ISO 8601 DateTime) | "2025-08-12T12:00:00Z" |
| pepHit | Free text: reason or list for PEP hit. Required if pep is true, null if false | "Listed as PEP due to government position", null |
| pepListNames | Names of PEP databases where investor was found. Required if pep is true, empty array if false | ["World Bank PEP List"], [] |
| sanctionHit | Description of sanctions match. Required if sanction is true, null if false | "Listed on EU sanctions list", null |
| sanctionListNames | Names of sanctions lists where investor was found. Required if sanction is true, empty array if false | ["EU Sanctions List"], [] |
Array: customFields
This array is specific to scenarios where Concedus acts as a liability partner using the reliance model in the co-listing workflow.
In this setup:
You, as the Co-Lister, are responsible for performing KYC verification using your chosen KYC provider.
Concedus then relies on your verification rather than conducting a separate KYC check.
This array is used to pass necessary KYC provider data to Concedus within this reliance framework.
| Parameter | Description | Example Values |
|---|---|---|
| name | Use static value "KYC" | "KYC" |
| value | Name of your chosen KYC provider following with "-RELIANCE" | "IDNOW-RELIANCE" |
Object: investmentSurvey
The investment survey contains structured questionnaire responses required for investor appropriateness assessment (Angemessenheitsprüfung).
Please see Investment Survey for more contextual information.
| Parameter | Description | Example Values |
|---|---|---|
| investmentExperience | Responses to investment experience questions. Each object contains question ID (name) and answer ID (value). See Investment Survey Question | See example below |
| investorExperience | Responses to investor experience questions. Each object contains question ID (name) and answer ID (value). See Investment Survey Question | See example below |
| customFields | Additional survey-related custom fields | See example below |
| key | Unique identifier for the investment survey record | "INVST_1becc833-f89c-4000-9735-0a13b1d34ce1" |
| modified | Last modification timestamp of the survey (ISO 8601 DateTime) | "2023-03-27T16:19:50" |
Investment Survey Question/Answer Format
Each question-answer pair within investmentExperience and investorExperience arrays follows this structure:
| Field | Description | Example |
|---|---|---|
| name | Question identifier code | "AE18", "AE10" |
| value | Answer identifier code | "1", "2", "4" |
Example investmentExperience array:
"investmentExperience": [
{
"name": "AE18",
"value": "2"
},
{
"name": "AE19",
"value": "1"
},
{
"name": "AE20",
"value": "1"
},
{
"name": "AE21",
"value": "2"
},
{
"name": "AE22",
"value": "4"
}
]Example investorExperience array:
"investmentExperience": "investorExperience": [
{
"name": "AE10",
"value": "2"
},
{
"name": "AE11",
"value": "1"
},
{
"name": "AE12",
"value": "1"
},
{
"name": "AE13",
"value": "2"
},
{
"name": "AE14",
"value": "2"
},
{
"name": "AE15",
"value": "4"
}
]Note: The complete mapping of question IDs (e.g., "AE18") to their full question text and answer IDs (e.g., "2") to their answer options is documented in Investment Survey Question.
Skipped Investment Survey
If an investor chooses not to complete the survey, you must include ForceMissedKnowledge: true in the investmentSurveys object. This explicitly signals that the investor opted out of providing investment experience data.
Example: Investor Skips Survey
"customFields": [
{
"name": "ForceMissedKnowledge",
"value": "true"
}
]Response Example of the entire endpoint /api/external/v1/customers/kyc-concedus
{
"errorMessageCodes": null,
"errors": null,
"data": {
"naturalPerson": {
"firstname": "Chesley",
"lastname": "Moore",
"salutation": "Mr",
"title": "",
"nationality": "DE",
"country": "DE",
"zip": "10719",
"city": "Berlin",
"street": "Uhlandstrasse",
"streetNo": "32",
"birthDate": "1985-03-20",
"email": null,
"phoneNumber": null,
"customerId": "745f5542-c288-4c49-8284-40cfb69ee52e",
"birthPlace": "A TOWN",
"precheckPep": false,
"birthCountry": "DE",
"verification": {
"verificationMethod": "VIDEO",
"approveTime": "2025-08-12T12:00:00",
"updateTime": "2025-09-12T12:00:00",
"vendor": "IDNOW"
},
"idDocument": {
"docType": "Passport",
"issueCountry": "US",
"documentNumber": "122226789",
"additionalNumber": "933354321",
"issueDate": "2023-04-15",
"expireDate": "2033-04-14"
},
"attachments": [
{
"content": null,
"date": "2025-04-30",
"subject": "Identification",
"category": "KYC",
"file": "blank.pdf",
"key": "ATT_34601aed-a59b-46e8-99c1-13ec8bea0ac6",
"modified": "2025-03-23T10:15:30"
}
],
"compliance": {
"pep": true,
"pepChecked": "2025-08-12T14:00:00",
"sanction": false,
"sanctionChecked": "2025-08-12T14:00:00",
"pepHit": "Listed as PEP due to government position",
"pepListNames": [
"World Bank PEP List",
"EU PEP Database"
],
"sanctionHit": null,
"sanctionListNames": []
},
"customFields": [
{
"name": "KYC",
"value": "IDNOW-RELIANCE"
}
],
"investmentSurvey": {
"investmentExperience": [
{
"name": "AE18",
"value": "2"
},
{
"name": "AE19",
"value": "1"
},
{
"name": "AE20",
"value": "1"
},
{
"name": "AE21",
"value": "2"
},
{
"name": "AE22",
"value": "4"
}
],
"investorExperience": [
{
"name": "AE10",
"value": "2"
},
{
"name": "AE11",
"value": "1"
},
{
"name": "AE12",
"value": "1"
},
{
"name": "AE13",
"value": "2"
},
{
"name": "AE14",
"value": "2"
},
{
"name": "AE15",
"value": "4"
}
],
"customFields": [
{
"name": "ForceMissedKnowledge",
"value": "true"
}
],
"modified": "2023-03-27T16:19:50",
"key": "INVST_1becc833-f89c-4000-9735-0a13b1d34ce1"
}
},
"legalPerson": null
}
}