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

# Cardholders

> Manage cardholder identities, KYC status, and lifecycle actions from the CaaS Portal.

A **cardholder** is an individual identity record in your card program. Each cardholder must be created and KYC-verified before cards can be issued to them. Cardholders are created programmatically via the [V3.20 API](/v3.20/api-reference/cardholders/create) — the portal provides oversight, filtering, and manual lifecycle controls.

## Cardholder List

Navigate to **Cardholders** in the portal sidebar to see all cardholder records for the active environment. Use the filters to narrow results:

| Filter         | Options                             |
| -------------- | ----------------------------------- |
| **Status**     | `ACTIVE`, `SUSPENDED`, `TERMINATED` |
| **KYC Status** | `PENDING`, `APPROVED`, `REJECTED`   |
| **Search**     | Name or email address               |

## KYC Status

KYC (Know Your Customer) verification must be approved before a card can be issued to a cardholder.

| Status       | Description                                                                        |
| ------------ | ---------------------------------------------------------------------------------- |
| **Pending**  | Cardholder created, verification not yet started or in progress                    |
| **Approved** | Identity verified — cards can be issued                                            |
| **Rejected** | Verification failed — review the rejection reason and update the cardholder record |

<Info>
  KYC verification is handled externally by your platform. You submit cardholder identity data (name, DOB, address, nationality, and optionally a KYC document) when creating or updating the cardholder via the API.
</Info>

## Cardholder Detail

Click any cardholder in the list to view:

* **Identity** — full name, email, phone, date of birth, nationality
* **Address** — street address, city, state, postal code, country
* **Status & KYC** — current lifecycle status and KYC verification result
* **Cards** — all cards issued to this cardholder, with status and balance
* **External ID** — your platform's reference ID for this cardholder
* **Timeline** — creation date and status change history

## Cardholder Actions

| Action         | When Available                    | Description                                                                                                         |
| -------------- | --------------------------------- | ------------------------------------------------------------------------------------------------------------------- |
| **Suspend**    | Status is `ACTIVE`                | Temporarily blocks the cardholder from card activity. Cards linked to this cardholder are not automatically frozen. |
| **Reactivate** | Status is `SUSPENDED`             | Restores the cardholder to `ACTIVE` status.                                                                         |
| **Terminate**  | Status is `ACTIVE` or `SUSPENDED` | Permanently closes the cardholder record. This action is irreversible.                                              |

## Cardholder Data Fields

When creating a cardholder via the API, the following fields are accepted:

| Field                | Required | Description                                                        |
| -------------------- | -------- | ------------------------------------------------------------------ |
| `firstName`          | Yes      | Legal first name                                                   |
| `lastName`           | Yes      | Legal last name                                                    |
| `email`              | Yes      | Contact email                                                      |
| `phone`              | Yes      | Phone number in E.164 format                                       |
| `dateOfBirth`        | Yes      | Date of birth (YYYY-MM-DD)                                         |
| `nationality`        | Yes      | ISO 3166-1 alpha-2 country code                                    |
| `address.address`    | Yes      | Street address                                                     |
| `address.city`       | Yes      | City                                                               |
| `address.country`    | Yes      | ISO 3166-1 alpha-2 country code                                    |
| `address.state`      | No       | State or province                                                  |
| `address.postalCode` | No       | Postal / ZIP code                                                  |
| `externalId`         | No       | Your platform's reference ID for this cardholder                   |
| `kycDocument`        | No       | KYC document object (type, number, issuing country, document URLs) |

See the [Create Cardholder](/v3.20/api-reference/cardholders/create) API reference for full schema details.