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👤 User Onboarding Flow

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📘 Overview:

The user onboarding process ensures all legal, identity, and payment-related information is accurately collected and verified.

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🔹 Step 1: acceptTermsAndCondition

Purpose: Log the user’s acceptance of Terms & Conditions. 📜 Mandatory for compliance before proceeding.

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🔹 Step 2: addKycInformation

Purpose: Collect essential identity information. Details:
  • Full Name
  • Date of Birth
  • SSN (or equivalent)
  • Address
  • Contact Info
Ensures regulatory compliance and identity validation.

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🔹 Step 3: addW4Information

Purpose: Collect federal tax withholding data. Fields:
  • Filing status
  • Dependents
  • Additional withholdings
Used to accurately compute payroll taxes.

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🔹 Step 4: addStateW4Information (Optional)

Purpose: Collect state-specific withholding data. 🏛️ Required only for states with their own W-4 forms. Others default to the federal form.

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🔹 Step 5: initiateUserKyc

Purpose: Start the KYC verification process. Only verified users can access payroll and financial features.

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🔹 Step 6: Add User Bank Account

Options: 1. Manual Entry with Microdeposit Verification
  • Fields: Bank Name, Account Number, Routing Number, Account Type
2. Plaid Integration
  • Secure linking via Plaid for automatic account verification
✅ At least one verified bank account is required to complete onboarding.