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

# Glossary

> Terms used across the StableMint platform.

The terms below appear throughout these docs and in the API reference.

## Partner

A **partner** is the business integrating with StableMint — you. You hold the accounts, the balances
and the credentials, and you own the relationship with the people paying you.

* Authenticates with a [service account](/guides/service-accounts) and an RSA signature on every request
* Holds one [account](/guides/accounts-and-balances) per currency
* Receives [webhooks](/guides/webhooks) for events on its own and its customers' money
* Manages credentials and configuration from the dashboard

## Customer

A **customer** is one of your end users. You create them, you own the relationship, and StableMint
never contacts them — what StableMint does is hold and attribute their money.

* Identified by a `userId` that you choose and reuse across sessions
* Requires an email address and a country code
* May be given a virtual IBAN so incoming payments are attributed automatically
* May carry KYC or KYB details, supplied by you

<Note>
  Internally, and on the wire, customers appear as **partner customers** — you will see it in event
  names like `partner.customer.deposit.completed` and in parameters like `partnerCustomerGuid`. It is
  the same thing. Send those identifiers exactly as the reference spells them.
</Note>

See [Customers](/guides/customers).

## Account

A currency-denominated place your money sits. One per currency, each with its own IBAN and balance.
See [Accounts and balances](/guides/accounts-and-balances).

## Beneficiary

A destination you have registered to pay out to — either a bank account or a wallet address. You pay
out to a `beneficiaryId`, never to a raw account number. See [Payouts](/guides/payouts).

## Session

A time-limited context for collecting one payment from a customer. Every incoming payment belongs to
exactly one session. Created with `POST /v1/checkout/hosted`, and expires at `expiresAt`. See
[Payment sessions](/guides/payment-sessions).

## Webhook

An HTTP callback StableMint sends to notify you about events on your account. Deliveries are signed;
verify the signature before acting on one. See [Receiving webhooks](/guides/webhooks).

## Idempotency key

A key you generate to make a retry safe. Sending the same key twice returns the original result
rather than creating a second session, payout or deposit.

## KYC (Know Your Customer)

Identification data for a customer who is an **individual**. Supplied by the partner, not collected by StableMint. Typically the person's full name, citizenship and residential address, with date of birth, an identification number and a contact number as supporting detail.

## KYB (Know Your Business)

The counterpart to KYC for a customer that is a **business** rather than a person. Set `customerType` to `Business` on the customer's KYC object, and the same fields carry the company's identity rather than an individual's — `fullName` is the registered legal name, `residenceAddress` the registered address.

Businesses additionally carry their **ultimate beneficial owners**. Up to five can be supplied, as `uboFirstName1`–`uboFirstName5` and `uboLastName1`–`uboLastName5`.

<Note>
  A richer business record — registration number, country of incorporation, nature of business, legal form, LEI and tax identifier as first-class fields — is specified but not yet live. Today the fields above are what the API accepts.
</Note>

<Note>
  Both KYC and KYB are **passed to StableMint by you**. StableMint does not collect them from your customers directly, and does not verify them in the sandbox — see [Customer](#customer) and [Sandbox](/guides/sandbox).
</Note>

## Virtual IBAN

An IBAN that routes to your account but identifies a specific customer. It is an entry point, not a
separate balance. See [Accounts and balances](/guides/accounts-and-balances#virtual-ibans-do-not-hold-balance).