User represents the business you want to pay. It's the equivalent of a seller, the beneficiary of a payment. You need to create a User before requesting a Loan. Users don't have an Aria account: it's your responsibility to create and update them.

According to use cases, a User can be :

  • A freelancer
  • A supplier
  • A seller

A User will always be the business company that benefits from an invoice payment.

Identity check

KYC procedures have been set up to manage AML/CFT risks since Aria provides financing.

Before paying a user, you have to provide information that you can find in our API Reference. All information is mandatory to fully identify the beneficiary.

We may require proof of identity from the company's legal representative.

KYC docs verification is performed within a 24-hour time frame, from Monday to Friday (Paris Time Zone).

We provide 3 statuses:

  • PENDING: The KYC doc is not yet verified.
  • VALID: The KYC doc is valid.
  • INVALID: The KYC doc is invalid.


We will help you set up your KYC process during your onboarding phase.

What’s Next