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Customers are scoped to one business environment and identified by your stable external_reference. NorthFond does not add a second customer OTP flow: your application remains responsible for authenticating its users. POST /api/v1/business/customers creates a customer. When managed wallets are enabled, NorthFond derives one reusable EVM address that works across supported EVM chains while balances remain chain-specific. Use GET /api/v1/business/customers and GET /api/v1/business/customers/:id to retrieve customers.