---
title: Associate beneficial owner
slug: concepts/cards/card-lifecycle/partner-managed-lifecycle/associate-beneficial-owner
description: For business-issued cards, both the business and its cardholders have COS records. Cardholders are added as beneficial owners to link them to the business.
docTags: 
createdAt: 2025-03-20T09:56:05.588Z
---

## Beneficial owner

When you provide cards to a business (and not directly to individual cardholders), both the business itself and each cardholder from that business have customer records in COS.

To ensure that the cardholder customer records are associated with the correct business customer record, you add each cardholder as a *beneficial owner* to the business record.

## Associate the customer record

Associate the customer record with the business customer record using this endpoint from the [Add beneficial owner](docId\:EOH9pzYARQnyhe9mh979u) 

`POST /core/v1/cm/customers/{customerId}/beneficial-owners`

In the body of the request, use the customer ID of the business issuing the company card for the `customerId` value, and the customer ID of the cardholder for the `ownerCustomerId` value. Enter **Auth User** for the `ownerTitle` value.

:::CodeblockTabs
Sample associate beneficial owner resource to customer record request

```curl
{
"ownerCustomerId": "a9da21a8-a9df-4db3-90f5-138d7cf4b10e",
"ownerTitle": "Auth User",
{

```
:::

See our tutorial which explains how to [add a beneficial owner.](docId\:dHPmHjC04E5WUq34V59Iu) 

As always, if you have any questions, email our [support](mailto\:cos.support@crossriver.com) team.