In Express Connected Accounts, who manages onboarding?

• A. The platform
• B. The connected account
• C. Stripe
• D. The customer

Answer: (C)

In Express Connected Accounts, onboarding is hosted and managed by Stripe. When you set up an Express account, Stripe provides the signup and verification flow that the connected account owner goes through, handling all the required KYC checks, business details, and bank information. Your platform mainly redirects the user to Stripe’s onboarding flow and can customize some branding, but the actual onboarding process—collection, verification, and decisioning—is Stripe’s responsibility. This is why Stripe is the best answer. The platform doesn’t run the onboarding itself, the connected account owner isn’t the one managing the process, and the customer is simply the person going through the onboarding rather than who controls it.