Capital Deposit

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Capital Deposit
Allow company creation, including the initial deposit of funds, directly from your product and 100% online. It takes about 2 days (vs 2 weeks the old-fashioned way!)
Capital Deposit enables the registration of new companies, by providing an account and proof that the share capital has been wired by shareholders. Each shareholder opens a temporary account whose sole purpose is for depositing their share of capital. 
Before reading this guide, it's important for you to understand the following concepts:  
​Create new accounts​
​Make transactions​
​Use our webhooks​
This feature is currently exclusive to France. Please contact [email protected] if you're interested in providing Capital Deposit in another European country.
Summary
In this guide, you will learn how to use the Capital Deposit feature. Here is a summary of the process:
1.Create the Capital Deposit case with all the necessary information
2.Upload the mandatory documents
3.The company legal representative creates a company account
4.All shareholders create an account
5.All shareholders deposit their share of capital on their account
6.The documents and capital are sent to a notary
7.Receive the capital deposit certificate via API
8.Upload the KBIS of the newly created company
9.Receive the full capital on the company account
Feel free to contact [email protected] if you have any questions about this new feature.
Create a capital deposit case
To create a Capital Deposit Case you must use the createCapitalDepositCase mutation with a project access token. This case will be updated when the process moves on to the next step. This mutation requires a lot of data grouped around multiple notions:
General information for Capital Deposit: this includes the basic information of a capital deposit case, including companyName and totalCapitalDepositAmount
Individual shareholders’ information:
Capital Deposit information: we will ask for individual shareholder information like birthDate, firstName, lastName, capitalDepositAmount and nationality
Onboarding information: if you want, you can prefill the shareholder's onboarding to save them time. Learn more about onboarding​
Company shareholders’ information:
Capital Deposit information: we will ask for company shareholder information like name and capitalDepositAmount
Onboarding information: if you want, you can prefill shareholder's onboarding. Learn more about onboarding​
Onboarding information of the company being created:
Onboarding information: if you want, you can prefill the onboarding of the company being to be created. Learn more about onboarding​
Request
Request variables
Response
mutation MyMutation($input: CreateCapitalDepositCaseInput!) {
  createCapitalDepositCase(input: $input) {
    ... on CreateCapitalDepositCaseSuccessPayload {
      capitalDepositCase {
        companyName
        id
        companyOnboarding {
          id
        }
        documents {
          type
          status
          downloadUrl
          id
          uploadedAt
        }
        shareholders {
          info {
            ... on IndividualShareholder {
              __typename
              firstName
              lastName
            }
            ... on CompanyShareholder {
              __typename
              name
            }
          }
          status
          id
          onboarding {
            id
          }
          documents {
            type
            status
            downloadUrl
            id
            uploadedAt
          }
        }
      }
    }
  }
}
​
{
    "input": {
      "companyName": "New company",
      "companyShareholders": {
        "capitalDepositAmount": { "value": "500", "currency": "EUR" },
        "name": "Shareholder - company",
        "onboardingInfo": {
          "individualUltimateBeneficialOwners": [
            {
            "type": "LegalRepresentative",
            "birthCity": "Paris",
            "birthCityPostalCode": "75000",
            "birthCountryCode": "FRA",
            "birthDate": "1980/10/10",
            "direct": false,
            "firstName": "John",
            "lastName": "Doe",
            "totalCapitalPercentage": 51
            },{
            "type": "HasCapital",
            "birthCity": "Paris",
            "birthCityPostalCode": "75000",
            "birthCountryCode": "FRA",
            "birthDate": "1970/10/10",
            "indirect": true,
            "firstName": "Jeanne",
            "lastName": "Doe",
            "totalCapitalPercentage": 26
            }
          ],
          "accountName": "Shareholder - company / capital deposit",
          "businessActivity": "AdministrativeServices",
          "businessActivityDescription": "Business description for compliance purposes",
          "companyType": "Company",
          "email": "[email protected]",
          "isRegistered": false,
          "language": "fr",
          "monthlyPaymentVolume": "Between10000And50000",
          "name": "Shareholder - company",
          "residencyAddress": {
            "addressLine1": "test",
            "city": "Paris",
            "country": "FRA",
            "postalCode": "75000"
          }
        }
      },
      "individualShareholders": {
        "firstName": "Jean",
        "lastName": "Dupond",
        "birthDate": "1980/10/10",
        "nationality": "FRA",
        "capitalDepositAmount": { "value": "1000", "currency": "EUR" },
        "onboardingInfo": {
            "email": "[email protected]", 
             "language":"fr",
            "employmentStatus": "Employee", 
            "monthlyIncome": "LessThan500", 
            "residencyAddress": {
                "addressLine1": "1 Rue de la Paix", 
                "city": "Paris", 
                "country": "FRA", 
                "postalCode": "75002"
            }
        }
      },
      "totalCapitalDepositAmount": { "value": "1500", "currency": "EUR" },
      "onboardingCapitalDepositCompany": {
        "individualUltimateBeneficialOwners": [
            {
            "type": "HasCapital",
            "birthCity": "Paris",
            "birthCityPostalCode": "75000",
            "birthCountryCode": "FRA",
            "firstName": "Jean",
        "lastName": "Dupond",
        "birthDate": "1980/10/10",
            "direct": true,
            "totalCapitalPercentage": 66
            },{
            "type": "HasCapital",
            "birthCity": "Paris",
            "birthCityPostalCode": "75000",
            "birthCountryCode": "FRA",
            "birthDate": "1980/10/10",
            "direct": false,
            "firstName": "John",
            "lastName": "Doe",
            "direct": false,
            "indirect": true,
            "totalCapitalPercentage": 33
            }
          ],
          "accountName": "New company",
          "businessActivity": "AdministrativeServices",
          "businessActivityDescription": "Description of the new company activity",
          "companyType": "Company",
          "email": "[email protected]",
          "isRegistered": false,
          "language":"fr",
          "monthlyPaymentVolume": "Between10000And50000",
          "name": "New company",
          "residencyAddress": {
            "addressLine1": "test",
            "city": "Paris",
            "country": "FRA",
            "postalCode": "75000"
          }
      }
    }
}
{
  "data": {
    "createCapitalDepositCase": {
      "capitalDepositCase": {
        "companyName": "New company",
        "id": "{{YOUR_CAPITAL_DEPOSIT_CASE_ID}}",
        "companyOnboarding": {
          "id": "{{YOUR_COMPANY_ONBOARDING_ID}}"
        },
        "documents": [
          {
            "type": "ArticlesOfIncorporation",
            "status": "Pending",
            "downloadUrl": null,
            "id": "{{YOUR_DOCUMENT_ID}}",
            "uploadedAt": null
          },
          {
            "type": "CompanyLeaseAgreement",
            "status": "Pending",
            "downloadUrl": null,
            "id": "{{YOUR_DOCUMENT_ID}}",
            "uploadedAt": null
          },
          {
            "type": "PowerOfAttorney",
            "status": "Pending",
            "downloadUrl": null,
            "id": "{{YOUR_DOCUMENT_ID}}",
            "uploadedAt": null
          },
          {
            "type": "CapitalShareDepositCertificate",
            "status": "Pending",
            "downloadUrl": null,
            "id": "{{YOUR_DOCUMENT_ID}}",
            "uploadedAt": null
          },
          {
            "type": "RegisterExtract",
            "status": "Pending",
            "downloadUrl": null,
            "id": "{{YOUR_DOCUMENT_ID}}",
            "uploadedAt": null
          }
        ],
        "shareholders": [
          {
            "info": {
              "__typename": "IndividualShareholder",
              "firstName": "Jean",
              "lastName": "Dupond"
            },
            "status": "PendingOnboarding",
            "id": "{{YOUR_SHAREHOLDER_ID}}",
            "onboarding": {
              "id": "{{YOUR_ONBOARDING_ID}}"
            },
            "documents": [
              {
                "type": "ProofOfIndividualAddress",
                "status": "Pending",
                "downloadUrl": null,
                "id": "{{YOUR_DOCUMENT_ID}}",
                "uploadedAt": null
              },
              {
                "type": "ProofOfIdentity",
                "status": "Pending",
                "downloadUrl": null,
                "id": "{{YOUR_DOCUMENT_ID}}",
                "uploadedAt": null
              }
            ]
          },
          {
            "info": {
              "__typename": "CompanyShareholder",
              "name": "Shareholder - company"
            },
            "status": "PendingOnboarding",
            "id": "{{YOUR_SHAREHOLDER_ID}}",
            "onboarding": {
              "id": "{{YOUR_ONBOARDING_ID}}"
            },
            "documents": [
              {
                "type": "RegisterExtract",
                "status": "Pending",
                "downloadUrl": null,
                "id": "{{YOUR_DOCUMENT_ID}}",
                "uploadedAt": null
              },
              {
                "type": "ArticlesOfIncorporation",
                "status": "Pending",
                "downloadUrl": null,
                "id": "{{YOUR_DOCUMENT_ID}}",
                "uploadedAt": null
              },
              {
                "type": "CorporateIncomeTaxReturn",
                "status": "Pending",
                "downloadUrl": null,
                "id": "{{YOUR_DOCUMENT_ID}}",
                "uploadedAt": null
              },
              {
                "type": "ProofOfIdentity",
                "status": "Pending",
                "downloadUrl": null,
                "id": "{{YOUR_DOCUMENT_ID}}",
                "uploadedAt": null
              }
            ]
          }
        ]
      }
    }
  }
}
Once the capitalDepositCase is created, you can use the CapitalDepositCaseId to query it anytime you want. By doing that, you’ll notice that there are multiple documents created at different levels. 
To process the capital deposit, we need documents regarding:
the shareholders:
individual shareholders:
ProofOfIndividualAddress*: upload the user's proof of address
ProofOfIdentity: you do not need to upload this, since we collect it automatically when the user logs in. You'll be able to download the proof of identity yourself once it's been verified by our compliance team.
company shareholders :
RegisterExtract*: upload the company's KBIS
ArticlesOfIncorporation*: upload the company's status
CorporateIncomeTaxReturn: upload the company's latest tax statement
ProofOfIdentity: you do not need to upload this, since we collect it automatically when the user logs in. You'll be able to download the proof of identity yourself once it's been verified by our compliance team.
and the capital deposit case:
ArticlesOfIncorporation*: upload the draft status of the company being created
CompanyLeaseAgreement*: upload proof of where the company will be located
PowerOfAttorney*: upload a mandate by the representative that's performing capital deposit via Swan (we will give you a template)
NB: documents marked with an * are required for the CapitalDepositCase to be processed. Additional documents might be requested.
Request
Response
query MyQuery {
  capitalDepositCase(id: "{{YOUR_CAPITAL_DEPOSIT_CASE_ID}}")
   {
        companyName
        id
        companyOnboarding {
          id
        }
        documents {
          type
          status
          downloadUrl
          id
          uploadedAt
        }
        shareholders {
          info {
            ... on IndividualShareholder {
              __typename
              firstName
              lastName
            }
            ... on CompanyShareholder {
              __typename
              name
            }
          }
          status
          id
          onboarding {
            id
          }
          documents {
            type
            status
            downloadUrl
            id
            uploadedAt
          }
        }
      }
    }
  
​
{
  "data": {
    "capitalDepositCase": {
      "companyName": "New company",
      "id": "{{YOUR_CAPITAL_DEPOSIT_ID}}",
      "companyOnboarding": {
        "id": "{{YOUR_ONBOARDING_ID}}"
      },
      "documents": [
        {
          "type": "ArticlesOfIncorporation",
          "status": "Pending",
          "downloadUrl": null,
          "id": "{{YOUR_DOCUMENT_ID}}",
          "uploadedAt": null
        },
        {
          "type": "RegisterExtract",
          "status": "Pending",
          "downloadUrl": null,
          "id": "{{YOUR_DOCUMENT_ID}}",
          "uploadedAt": null
        },
        {
          "type": "CompanyLeaseAgreement",
          "status": "Pending",
          "downloadUrl": null,
          "id": "{{YOUR_DOCUMENT_ID}}",
          "uploadedAt": null
        },
        {
          "type": "PowerOfAttorney",
          "status": "Pending",
          "downloadUrl": null,
          "id": "{{YOUR_DOCUMENT_ID}}",
          "uploadedAt": null
        },
        {
          "type": "CapitalShareDepositCertificate",
          "status": "Pending",
          "downloadUrl": null,
          "id": "{{YOUR_DOCUMENT_ID}}",
          "uploadedAt": null
        }
      ],
      "shareholders": [
        {
          "info": {
            "__typename": "CompanyShareholder",
            "name": "Shareholder - company"
          },
          "status": "PendingOnboarding",
          "id": "{{YOUR_SHAREHOLDER_ID}}",
          "onboarding": {
            "id": "{{YOUR_ONBOARDING_ID}}"
          },
          "documents": [
            {
              "type": "ArticlesOfIncorporation",
              "status": "Pending",
              "downloadUrl": null,
              "id": "{{YOUR_DOCUMENT_ID}}",
              "uploadedAt": null
            },
            {
              "type": "RegisterExtract",
              "status": "Pending",
              "downloadUrl": null,
              "id": "{{YOUR_DOCUMENT_ID}}",
              "uploadedAt": null
            },
            {
              "type": "CorporateIncomeTaxReturn",
              "status": "Pending",
              "downloadUrl": null,
              "id": "{{YOUR_DOCUMENT_ID}}",
              "uploadedAt": null
            },
            {
              "type": "ProofOfIdentity",
              "status": "Pending",
              "downloadUrl": null,
              "id": "{{YOUR_DOCUMENT_ID}}",
              "uploadedAt": null
            }
          ]
        },
        {
          "info": {
            "__typename": "IndividualShareholder",
            "firstName": "Jean",
            "lastName": "Dupond"
          },
          "status": "PendingOnboarding",
          "id": "{{YOUR_SHAREHOLDER_ID}}",
          "onboarding": {
            "id": "{{YOUR_ONBOARDING_ID}}"
          },
          "documents": [
            {
              "type": "ProofOfIndividualAddress",
              "status": "Pending",
              "downloadUrl": null,
              "id": "{{YOUR_DOCUMENT_ID}}",
              "uploadedAt": null
            },
            {
              "type": "ProofOfIdentity",
              "status": "Pending",
              "downloadUrl": null,
              "id": "{{YOUR_DOCUMENT_ID}}",
              "uploadedAt": null
            }
          ]
        }
      ]
    }
  }
}
Upload documents using the uploadUrl
For each document you need to upload, you will have to call the generateCapitalDepositDocumentUploadUrl mutation.
Request
Response
mutation MyMutation {
  generateCapitalDepositDocumentUploadUrl(
    input: {
      documentId: "{{YOUR_DOCUMENT_ID}}"
      capitalDepositCaseId: "{{YOUR_CAPITALDEPOSITCASE_ID}}"
      filename: "{{FILENAME}}"
    }
  ) {
    ... on GenerateCapitalDepositDocumentUploadUrlSuccessPayload {
      uploadUrl
    }
  }
}
​
{
  "data": {
    "generateCapitalDepositDocumentUploadUrl": {
      "uploadUrl": "{{YOUR_UPLOAD_URL}}"
    }
  }
}
This provides you with an uploadUrl. You then need to do an HTTP PUT request on the URL with the header, Content-Type: multipart/form-data. You can use this curl command to try the upload url.
Request
curl --upload-file my-file https://{{YOUR_PRESIGNED_URL}}
If you want to change the uploaded document, just go through the same process. Depending on which step of the CapitalDepositCase process you're at, you may no longer be able to modify a document. For example, if your case has already been sent to the notary, you'll no longer be able to modify the documents provided. 
Use onboardings - for the company being created, and for its shareholders
When creating a capital deposit case, you create one onboarding per shareholder and one onboarding for the company being created. Those onboardings can be used with our no-code interface or with the finalizeOnboarding mutation. This mutation requires a User Access Token  therefore you must ask the user to go through the oAuth process.
What we recommend is that when those onboardings are created, you communicate to the shareholders an oAuth link, asking them to verify their identities. When they are redirected at the end of the oAuth process, you can use their token to finalize the onboarding. Learn how to entice your user to verify their identity​
Request
Response
mutation MyMutation {
  finalizeOnboarding(
    input: { onboardingId: "{{YOUR_ONBOARDING_ID}}" }
  ) {
    ... on FinalizeOnboardingSuccessPayload {
      __typename
      onboarding {
        id
        accountHolder {
          accounts {
            edges {
              node {
                id
              }
            }
          }
          id
        }
      }
    }
  }
}
​
{
  "data": {
    "finalizeOnboarding": {
      "__typename": "FinalizeOnboardingSuccessPayload",
      "onboarding": {
        "id": "{{YOUR_ONBOARDING_ID}}",
        "accountHolder": {
          "accounts": {
            "edges": [
              {
                "node": {
                  "id": "{{YOUR_ACCOUNT_ID}}"
                }
              }
            ]
          }
        }
      }
    }
  }
}
​Try it now on the API Explorer​
Once the onboardings are finalized, and the users have verified their identity, our compliance department will process the onboardings and the users will be able to wire their share of capital to the temporary Swan accounts opened in their names.
In Sandbox, you must simulate the verification process, by using our event simulator. Learn more​
Make deposits
In Live, shareholders just have to make a payment from another of their own bank accounts towards their temporary Swan account, using its IBAN.  
In Sandbox you must use our Event Simulator, just check the “Receive an incoming transfer” tab. Enter the account's IBAN and the amount of the deposit.
Send the case to the notary
In Live, once the deposits have been made and the case is validated by our compliance department, all the documents and deposits are sent to the notary.
In Sandbox, you must simulate the validation of our compliance department by clicking on "Validate" from our Capital Deposit Dashboard. For more information on accessing the capital deposit dashboard, just write us at [email protected]
Receive the certificate from the notary
In Live, 24h-48h after the case has been sent, the certificate will be available via API (and in the Capital Deposit Dashboard) with the CapitalShareDepositCertificate document type.
In Sandbox, you must access our Capital Deposit Dashboard and upload the document to trigger the status switch.
Upload the KBIS
To upload the KBIS you just need to follow the same steps as “Upload document and uploadUrl” but for the RegisterExtract document type.
Receive the capital on the company account
In Live, 24h-48h after the KBIS was uploaded, you will receive the full capital on the company account.
In Sandbox you must use our Event Simulator, more specifically the “Receive an incoming transfer”.
​
That's it! Once the money has been wired to the company account, the Capital Deposit Case is finished and the company will be able to use all our features.
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Summary
Create a capital deposit case
Upload documents using the uploadUrl
Use onboardings - for the company being created, and for its shareholders
Make deposits
Send the case to the notary
Receive the certificate from the notary
Upload the KBIS
Receive the capital on the company account