curl --request POST \
  --url https://api.qbank.cl/platform/v1/kyb/submissions \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "external_customer_id": "cust_456",
  "idempotency_key": "kyb-sub-cust-456-1",
  "country": "cl",
  "business": {
    "legal_name": "Comercial Andina SpA",
    "tax_id": "76.543.210-8"
  },
  "ubos": [
    {
      "first_name": "Carlos",
      "last_name": "Soto",
      "ownership_percent": 60
    }
  ]
}
'

import requests

url = "https://api.qbank.cl/platform/v1/kyb/submissions"

payload = {
    "external_customer_id": "cust_456",
    "idempotency_key": "kyb-sub-cust-456-1",
    "country": "cl",
    "business": {
        "legal_name": "Comercial Andina SpA",
        "tax_id": "76.543.210-8"
    },
    "ubos": [
        {
            "first_name": "Carlos",
            "last_name": "Soto",
            "ownership_percent": 60
        }
    ]
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    external_customer_id: 'cust_456',
    idempotency_key: 'kyb-sub-cust-456-1',
    country: 'cl',
    business: {legal_name: 'Comercial Andina SpA', tax_id: '76.543.210-8'},
    ubos: [{first_name: 'Carlos', last_name: 'Soto', ownership_percent: 60}]
  })
};

fetch('https://api.qbank.cl/platform/v1/kyb/submissions', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.qbank.cl/platform/v1/kyb/submissions",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'external_customer_id' => 'cust_456',
    'idempotency_key' => 'kyb-sub-cust-456-1',
    'country' => 'cl',
    'business' => [
        'legal_name' => 'Comercial Andina SpA',
        'tax_id' => '76.543.210-8'
    ],
    'ubos' => [
        [
                'first_name' => 'Carlos',
                'last_name' => 'Soto',
                'ownership_percent' => 60
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.qbank.cl/platform/v1/kyb/submissions"

	payload := strings.NewReader("{\n  \"external_customer_id\": \"cust_456\",\n  \"idempotency_key\": \"kyb-sub-cust-456-1\",\n  \"country\": \"cl\",\n  \"business\": {\n    \"legal_name\": \"Comercial Andina SpA\",\n    \"tax_id\": \"76.543.210-8\"\n  },\n  \"ubos\": [\n    {\n      \"first_name\": \"Carlos\",\n      \"last_name\": \"Soto\",\n      \"ownership_percent\": 60\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.qbank.cl/platform/v1/kyb/submissions")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"external_customer_id\": \"cust_456\",\n  \"idempotency_key\": \"kyb-sub-cust-456-1\",\n  \"country\": \"cl\",\n  \"business\": {\n    \"legal_name\": \"Comercial Andina SpA\",\n    \"tax_id\": \"76.543.210-8\"\n  },\n  \"ubos\": [\n    {\n      \"first_name\": \"Carlos\",\n      \"last_name\": \"Soto\",\n      \"ownership_percent\": 60\n    }\n  ]\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.qbank.cl/platform/v1/kyb/submissions")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"external_customer_id\": \"cust_456\",\n  \"idempotency_key\": \"kyb-sub-cust-456-1\",\n  \"country\": \"cl\",\n  \"business\": {\n    \"legal_name\": \"Comercial Andina SpA\",\n    \"tax_id\": \"76.543.210-8\"\n  },\n  \"ubos\": [\n    {\n      \"first_name\": \"Carlos\",\n      \"last_name\": \"Soto\",\n      \"ownership_percent\": 60\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body

{
  "submission_id": "e5f6a7b8-c9d0-4e1f-2a3b-4c5d6e7f8091",
  "kind": "kyb",
  "external_customer_id": "cust_456",
  "status": "pending_review",
  "verification_fee": "2.000000",
  "idempotency_key": "kyb-sub-cust-456-1",
  "created_at": "2026-07-10T12:10:00Z",
  "updated_at": "2026-07-10T12:10:00Z"
}

{
  "error": "idempotency_key_required",
  "message": "provide idempotency_key (body or Idempotency-Key header)"
}

{
  "error": "unauthorized",
  "message": "invalid or missing credentials"
}

{
  "error": "insufficient_funds",
  "message": "account balance is not enough for this operation"
}

{
  "error": "company_account_required",
  "message": "third-party KYC/KYB verification is available to company accounts only"
}