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Use the Midaz Module to manage Holders. Holders represent the people or organizations behind your accounts. In the console, you create, view, edit, and manage their information.

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What are Holders?

A Holder represents an individual (Natural Person) or a company (Legal Person) linked to your Midaz accounts. Each holder stores:
  • Identity information - Name, document number (CPF/CNPJ), and an optional free-text status
  • Contact details - Email addresses and phone numbers for communication
  • Address information - Primary and additional addresses with complete location data
  • Person-specific data - Personal details for individuals or business information for companies
  • Custom metadata - Additional fields for integration and business-specific needs
You manage Holders in the CRM area of the Midaz Module. Holders connect to ledger accounts through Alias Accounts. This keeps customer data separate from transactional operations. For technical details about the underlying CRM capabilities, refer to the CRM Overview page.

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Accessing the Holders page

To open the Holders page, select the Holders option from the Accounts section of the left-side menu. The Holders page shows a table with all Holders in your system.

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Available actions

From the Holders page, you can:

Create a Holder

Add new individuals or companies as Holders

Edit a Holder

Update holder information, contact details, and status

Delete a Holder

Remove holders (soft delete). Hard delete is available only through the API (?hard_delete=true)

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Understanding Holder types

When you create a Holder, you select the holder type. The type determines which fields you can manage:

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Natural Person (Individual)

For individual customers, the console shows fields for:
  • Basic information: Full name, document (CPF), contact details
  • Personal details: Favorite name, social name, gender, birth date
  • Family information: Civil status, mother’s name, father’s name
  • Demographics: Nationality
For corporate customers, the console shows fields for:
  • Basic information: Company name, document (CNPJ), contact details
  • Business details: Trade name, company activity, founding date
  • Structure: Company size, company type, business status
  • Legal representation: Representative name, document, role, contact

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Managing Holder status

Status is an optional free-text field on the holder form. Use it to record any classification your business needs, such as active or under-review.
To change the status, edit the holder. The holders list shows the Name, ID, Type, and Primary E-mail columns; open a holder to see its status.

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Common use cases

To onboard individual customers in the console:
  1. Create a Natural Person holder with personal details
  2. Add primary address and contact information
  3. Link to checking/savings accounts via Alias Accounts
  4. Use metadata for customer-specific attributes (loyalty tier, risk profile, etc.)
To manage corporate accounts in the console:
  1. Create a Legal Person holder with company information
  2. Add legal representative details for compliance
  3. Include business addresses and contact points
  4. Link to corporate treasury and operational accounts
  5. Track company size and activity sector for reporting
Use the External ID field in the console to keep systems in sync:
  • Map each holder to your existing CRM using External ID
  • Keep document numbers consistent across systems
  • Use metadata for integration-specific fields
  • Update status in the console to reflect external system changes

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Best practices

1

Choose the correct holder type at creation

Select Natural Person for individuals and Legal Person for companies. You cannot change the type later. The type sets which fields the console forms show.
2

Keep document numbers accurate

Document numbers (CPF, CNPJ) must be unique and correctly formatted. The document field is required, but the console does not validate its format — verify the numbers yourself for regulatory compliance.
3

Maintain updated contact information

Update email addresses and phone numbers in the console regularly. This keeps customer communication effective.
4

Use External ID for integration

When you create a holder, fill in the External ID field. It maps the holder to your existing customer database.
5

Use metadata for custom needs

Use the Metadata step in the holder form to store extra information. You do not change the core structure.
6

Keep the status field meaningful

If you use the optional status field, define a consistent set of values for your team and update it to reflect customer relationship changes before deletion.