diff --git a/packages/anchor-service/dist/index.js b/packages/anchor-service/dist/index.js
index 3918c74..53320be 100644
--- a/packages/anchor-service/dist/index.js
+++ b/packages/anchor-service/dist/index.js
@@ -1 +1,176 @@
 "use strict";
+var __defProp = Object.defineProperty;
+var __getOwnPropDesc = Object.getOwnPropertyDescriptor;
+var __getOwnPropNames = Object.getOwnPropertyNames;
+var __hasOwnProp = Object.prototype.hasOwnProperty;
+var __export = (target, all) => {
+  for (var name in all)
+    __defProp(target, name, { get: all[name], enumerable: true });
+};
+var __copyProps = (to, from, except, desc) => {
+  if (from && typeof from === "object" || typeof from === "function") {
+    for (let key of __getOwnPropNames(from))
+      if (!__hasOwnProp.call(to, key) && key !== except)
+        __defProp(to, key, { get: () => from[key], enumerable: !(desc = __getOwnPropDesc(from, key)) || desc.enumerable });
+  }
+  return to;
+};
+var __toCommonJS = (mod) => __copyProps(__defProp({}, "__esModule", { value: true }), mod);
+
+// src/index.ts
+var index_exports = {};
+__export(index_exports, {
+  configureAnchorService: () => configureAnchorService,
+  submitCustomerInfo: () => submitCustomerInfo
+});
+module.exports = __toCommonJS(index_exports);
+var _anchorServiceConfig = null;
+function configureAnchorService(config) {
+  if (!config || !config.baseUrl || config.baseUrl.trim().length === 0) {
+    throw new Error("Anchor service configuration must include baseUrl.");
+  }
+  _anchorServiceConfig = {
+    ...config,
+    baseUrl: config.baseUrl.replace(/\/+$/, "")
+  };
+}
+function getConfig() {
+  if (!_anchorServiceConfig) {
+    throw new Error("Anchor service is not configured. Call configureAnchorService first.");
+  }
+  return _anchorServiceConfig;
+}
+function getFetchFn() {
+  const cfg = getConfig();
+  if (cfg.fetchFn) {
+    return cfg.fetchFn;
+  }
+  const globalFetch = globalThis.fetch;
+  if (typeof globalFetch === "function") {
+    return globalFetch.bind(globalThis);
+  }
+  throw new Error("Fetch is not available. Provide fetchFn in AnchorServiceConfig.");
+}
+function buildHeaders(isJson) {
+  const cfg = getConfig();
+  const headers = {};
+  if (cfg.authToken) {
+    headers.Authorization = `Bearer ${cfg.authToken}`;
+  }
+  if (isJson) {
+    headers["Content-Type"] = "application/json";
+  }
+  return headers;
+}
+function serializeCustomerPayload(customerData) {
+  const payload = {};
+  for (const key of Object.keys(customerData)) {
+    if (key === "id" || key === "documents") {
+      continue;
+    }
+    const value = customerData[key];
+    if (value !== void 0 && value !== null) {
+      payload[key] = value;
+    }
+  }
+  return payload;
+}
+async function uploadCustomerDocument(customerId, document) {
+  const cfg = getConfig();
+  const fetchFn = getFetchFn();
+  const formDataConstructor = globalThis.FormData;
+  if (!formDataConstructor) {
+    throw new Error("FormData is not available in this environment; required for file uploads.");
+  }
+  const formData = new formDataConstructor();
+  formData.append("type", document.type || "id_document");
+  const blobConstructor = globalThis.Blob;
+  if (typeof document.data === "string") {
+    if (blobConstructor) {
+      const fileBlob = new blobConstructor([document.data], {
+        type: document.mimeType || "application/octet-stream"
+      });
+      formData.append("file", fileBlob, document.fileName);
+      return;
+    }
+    formData.append("file", document.data);
+    return;
+  }
+  if (document.data instanceof Uint8Array || document.data instanceof ArrayBuffer) {
+    if (!blobConstructor) {
+      throw new Error("Blob is required for binary document uploads in this environment.");
+    }
+    let binaryData;
+    if (document.data instanceof Uint8Array) {
+      binaryData = new Uint8Array(document.data.buffer);
+    } else {
+      binaryData = new Uint8Array(document.data);
+    }
+    const fileBlob = new blobConstructor([binaryData], {
+      type: document.mimeType || "application/octet-stream"
+    });
+    formData.append("file", fileBlob, document.fileName);
+    return;
+  }
+  throw new Error("Unsupported document data type for customer document upload.");
+  const response = await fetchFn(
+    `${cfg.baseUrl}/customer/${encodeURIComponent(customerId)}/documents`,
+    {
+      method: "POST",
+      headers: {
+        ...cfg.authToken ? { Authorization: `Bearer ${cfg.authToken}` } : {}
+        // Do NOT set Content-Type; let FormData set boundary
+      },
+      body: formData
+    }
+  );
+  if (!response.ok) {
+    const text = await response.text();
+    throw new Error(`Document upload failed (status: ${response.status}): ${text}`);
+  }
+}
+async function applyDocumentUploads(customerId, documents) {
+  if (!documents || documents.length === 0) {
+    return;
+  }
+  for (const document of documents) {
+    await uploadCustomerDocument(customerId, document);
+  }
+}
+async function submitCustomerInfo(customerData) {
+  if (!customerData || typeof customerData !== "object") {
+    throw new Error("customerData is required.");
+  }
+  const cfg = getConfig();
+  const fetchFn = getFetchFn();
+  const customerId = customerData.id;
+  const endpoint = customerId ? `${cfg.baseUrl}/customer/${encodeURIComponent(customerId)}` : `${cfg.baseUrl}/customer`;
+  const method = customerId ? "PUT" : "POST";
+  const bodyPayload = serializeCustomerPayload(customerData);
+  const response = await fetchFn(endpoint, {
+    method,
+    headers: buildHeaders(true),
+    body: JSON.stringify(bodyPayload)
+  });
+  if (!response.ok) {
+    const text = await response.text();
+    throw new Error(`submitCustomerInfo failed (status: ${response.status}): ${text}`);
+  }
+  const responseData = await response.json();
+  const returnedCustomerId = responseData.id || customerId;
+  if (!returnedCustomerId) {
+    throw new Error("submitCustomerInfo did not receive customer id from anchor response.");
+  }
+  if (customerData.documents && customerData.documents.length > 0) {
+    await applyDocumentUploads(returnedCustomerId, customerData.documents);
+  }
+  return {
+    ...responseData,
+    id: returnedCustomerId
+  };
+}
+// Annotate the CommonJS export names for ESM import in node:
+0 && (module.exports = {
+  configureAnchorService,
+  submitCustomerInfo
+});
diff --git a/packages/anchor-service/dist/index.mjs b/packages/anchor-service/dist/index.mjs
index e69de29..87ec387 100644
--- a/packages/anchor-service/dist/index.mjs
+++ b/packages/anchor-service/dist/index.mjs
@@ -0,0 +1,150 @@
+// src/index.ts
+var _anchorServiceConfig = null;
+function configureAnchorService(config) {
+  if (!config || !config.baseUrl || config.baseUrl.trim().length === 0) {
+    throw new Error("Anchor service configuration must include baseUrl.");
+  }
+  _anchorServiceConfig = {
+    ...config,
+    baseUrl: config.baseUrl.replace(/\/+$/, "")
+  };
+}
+function getConfig() {
+  if (!_anchorServiceConfig) {
+    throw new Error("Anchor service is not configured. Call configureAnchorService first.");
+  }
+  return _anchorServiceConfig;
+}
+function getFetchFn() {
+  const cfg = getConfig();
+  if (cfg.fetchFn) {
+    return cfg.fetchFn;
+  }
+  const globalFetch = globalThis.fetch;
+  if (typeof globalFetch === "function") {
+    return globalFetch.bind(globalThis);
+  }
+  throw new Error("Fetch is not available. Provide fetchFn in AnchorServiceConfig.");
+}
+function buildHeaders(isJson) {
+  const cfg = getConfig();
+  const headers = {};
+  if (cfg.authToken) {
+    headers.Authorization = `Bearer ${cfg.authToken}`;
+  }
+  if (isJson) {
+    headers["Content-Type"] = "application/json";
+  }
+  return headers;
+}
+function serializeCustomerPayload(customerData) {
+  const payload = {};
+  for (const key of Object.keys(customerData)) {
+    if (key === "id" || key === "documents") {
+      continue;
+    }
+    const value = customerData[key];
+    if (value !== void 0 && value !== null) {
+      payload[key] = value;
+    }
+  }
+  return payload;
+}
+async function uploadCustomerDocument(customerId, document) {
+  const cfg = getConfig();
+  const fetchFn = getFetchFn();
+  const formDataConstructor = globalThis.FormData;
+  if (!formDataConstructor) {
+    throw new Error("FormData is not available in this environment; required for file uploads.");
+  }
+  const formData = new formDataConstructor();
+  formData.append("type", document.type || "id_document");
+  const blobConstructor = globalThis.Blob;
+  if (typeof document.data === "string") {
+    if (blobConstructor) {
+      const fileBlob = new blobConstructor([document.data], {
+        type: document.mimeType || "application/octet-stream"
+      });
+      formData.append("file", fileBlob, document.fileName);
+      return;
+    }
+    formData.append("file", document.data);
+    return;
+  }
+  if (document.data instanceof Uint8Array || document.data instanceof ArrayBuffer) {
+    if (!blobConstructor) {
+      throw new Error("Blob is required for binary document uploads in this environment.");
+    }
+    let binaryData;
+    if (document.data instanceof Uint8Array) {
+      binaryData = new Uint8Array(document.data.buffer);
+    } else {
+      binaryData = new Uint8Array(document.data);
+    }
+    const fileBlob = new blobConstructor([binaryData], {
+      type: document.mimeType || "application/octet-stream"
+    });
+    formData.append("file", fileBlob, document.fileName);
+    return;
+  }
+  throw new Error("Unsupported document data type for customer document upload.");
+  const response = await fetchFn(
+    `${cfg.baseUrl}/customer/${encodeURIComponent(customerId)}/documents`,
+    {
+      method: "POST",
+      headers: {
+        ...cfg.authToken ? { Authorization: `Bearer ${cfg.authToken}` } : {}
+        // Do NOT set Content-Type; let FormData set boundary
+      },
+      body: formData
+    }
+  );
+  if (!response.ok) {
+    const text = await response.text();
+    throw new Error(`Document upload failed (status: ${response.status}): ${text}`);
+  }
+}
+async function applyDocumentUploads(customerId, documents) {
+  if (!documents || documents.length === 0) {
+    return;
+  }
+  for (const document of documents) {
+    await uploadCustomerDocument(customerId, document);
+  }
+}
+async function submitCustomerInfo(customerData) {
+  if (!customerData || typeof customerData !== "object") {
+    throw new Error("customerData is required.");
+  }
+  const cfg = getConfig();
+  const fetchFn = getFetchFn();
+  const customerId = customerData.id;
+  const endpoint = customerId ? `${cfg.baseUrl}/customer/${encodeURIComponent(customerId)}` : `${cfg.baseUrl}/customer`;
+  const method = customerId ? "PUT" : "POST";
+  const bodyPayload = serializeCustomerPayload(customerData);
+  const response = await fetchFn(endpoint, {
+    method,
+    headers: buildHeaders(true),
+    body: JSON.stringify(bodyPayload)
+  });
+  if (!response.ok) {
+    const text = await response.text();
+    throw new Error(`submitCustomerInfo failed (status: ${response.status}): ${text}`);
+  }
+  const responseData = await response.json();
+  const returnedCustomerId = responseData.id || customerId;
+  if (!returnedCustomerId) {
+    throw new Error("submitCustomerInfo did not receive customer id from anchor response.");
+  }
+  if (customerData.documents && customerData.documents.length > 0) {
+    await applyDocumentUploads(returnedCustomerId, customerData.documents);
+  }
+  return {
+    ...responseData,
+    id: returnedCustomerId
+  };
+}
+export {
+  configureAnchorService,
+  submitCustomerInfo
+};
diff --git a/packages/anchor-service/src/index.ts b/packages/anchor-service/src/index.ts
index e69de29..d887f4c 100644
--- a/packages/anchor-service/src/index.ts
+++ b/packages/anchor-service/src/index.ts
@@ -0,0 +1,241 @@
+export interface CustomerDocumentFile {
+  fileName: string;
+  data: string | Uint8Array | ArrayBuffer;
+  mimeType?: string;
+  type?: string; // SEP-12 document type, e.g. `id_document`, `proof_of_address`
+}
+
+export interface CustomerData {
+  id?: string;
+  account?: string;
+  type?: string;
+  email_address?: string;
+  phone_number?: string;
+  first_name?: string;
+  last_name?: string;
+  [customField: string]: unknown;
+  documents?: CustomerDocumentFile[];
+}
+
+export interface CustomerPutResponse {
+  id: string;
+  status: string;
+  account?: string;
+  type?: string;
+  required?: unknown;
+  message?: string;
+  [key: string]: unknown;
+}
+
+export interface AnchorServiceConfig {
+  baseUrl: string;
+  authToken?: string;
+  fetchFn?: FetchFn;
+}
+
+export type FetchFn = (
+  url: string,
+  init?: {
+    method?: string;
+    headers?: Record<string, string>;
+    body?: string | unknown;
+  },
+) => Promise<{
+  ok: boolean;
+  status: number;
+  json: <T = unknown>() => Promise<T>;
+  text: () => Promise<string>;
+}>;
+
+let _anchorServiceConfig: AnchorServiceConfig | null = null;
+
+export function configureAnchorService(config: AnchorServiceConfig): void {
+  if (!config || !config.baseUrl || config.baseUrl.trim().length === 0) {
+    throw new Error('Anchor service configuration must include baseUrl.');
+  }
+
+  _anchorServiceConfig = {
+    ...config,
+    baseUrl: config.baseUrl.replace(/\/+$/, ''),
+  };
+}
+
+function getConfig(): AnchorServiceConfig {
+  if (!_anchorServiceConfig) {
+    throw new Error('Anchor service is not configured. Call configureAnchorService first.');
+  }
+  return _anchorServiceConfig;
+}
+
+function getFetchFn(): FetchFn {
+  const cfg = getConfig();
+  if (cfg.fetchFn) {
+    return cfg.fetchFn;
+  }
+
+  const globalFetch = (globalThis as unknown as { fetch?: typeof fetch }).fetch;
+  if (typeof globalFetch === 'function') {
+    return globalFetch.bind(globalThis) as FetchFn;
+  }
+
+  throw new Error('Fetch is not available. Provide fetchFn in AnchorServiceConfig.');
+}
+
+function buildHeaders(isJson: boolean): Record<string, string> {
+  const cfg = getConfig();
+  const headers: Record<string, string> = {};
+
+  if (cfg.authToken) {
+    headers.Authorization = `Bearer ${cfg.authToken}`;
+  }
+
+  if (isJson) {
+    headers['Content-Type'] = 'application/json';
+  }
+
+  return headers;
+}
+
+function serializeCustomerPayload(customerData: CustomerData): Record<string, unknown> {
+  const payload: Record<string, unknown> = {};
+
+  for (const key of Object.keys(customerData)) {
+    if (key === 'id' || key === 'documents') {
+      continue;
+    }
+    const value = customerData[key];
+    if (value !== undefined && value !== null) {
+      payload[key] = value;
+    }
+  }
+
+  return payload;
+}
+
+async function uploadCustomerDocument(
+  customerId: string,
+  document: CustomerDocumentFile,
+): Promise<void> {
+  const cfg = getConfig();
+  const fetchFn = getFetchFn();
+  const formDataConstructor = (globalThis as unknown as { FormData?: typeof FormData }).FormData;
+
+  if (!formDataConstructor) {
+    throw new Error('FormData is not available in this environment; required for file uploads.');
+  }
+
+  const formData = new formDataConstructor();
+
+  formData.append('type', document.type || 'id_document');
+
+  const blobConstructor = (globalThis as unknown as { Blob?: typeof Blob }).Blob;
+
+  if (typeof document.data === 'string') {
+    if (blobConstructor) {
+      const fileBlob = new blobConstructor([document.data], {
+        type: document.mimeType || 'application/octet-stream',
+      });
+      formData.append('file', fileBlob, document.fileName);
+      return;
+    }
+
+    formData.append('file', document.data);
+    return;
+  }
+
+  if (document.data instanceof Uint8Array || document.data instanceof ArrayBuffer) {
+    if (!blobConstructor) {
+      throw new Error('Blob is required for binary document uploads in this environment.');
+    }
+
+    let binaryData: BlobPart;
+
+    if (document.data instanceof Uint8Array) {
+      binaryData = new Uint8Array(document.data.buffer as ArrayBuffer) as unknown as BlobPart;
+    } else {
+      binaryData = new Uint8Array(document.data as ArrayBuffer) as unknown as BlobPart;
+    }
+
+    const fileBlob = new blobConstructor([binaryData], {
+      type: document.mimeType || 'application/octet-stream',
+    });
+    formData.append('file', fileBlob, document.fileName);
+    return;
+  }
+
+  throw new Error('Unsupported document data type for customer document upload.');
+
+  const response = await fetchFn(
+    `${cfg.baseUrl}/customer/${encodeURIComponent(customerId)}/documents`,
+    {
+      method: 'POST',
+      headers: {
+        ...(cfg.authToken ? { Authorization: `Bearer ${cfg.authToken}` } : {}),
+        // Do NOT set Content-Type; let FormData set boundary
+      },
+      body: formData as unknown as string,
+    },
+  );
+
+  if (!response.ok) {
+    const text = await response.text();
+    throw new Error(`Document upload failed (status: ${response.status}): ${text}`);
+  }
+}
+
+async function applyDocumentUploads(
+  customerId: string,
+  documents?: CustomerDocumentFile[],
+): Promise<void> {
+  if (!documents || documents.length === 0) {
+    return;
+  }
+
+  for (const document of documents) {
+    await uploadCustomerDocument(customerId, document);
+  }
+}
+
+export async function submitCustomerInfo(customerData: CustomerData): Promise<CustomerPutResponse> {
+  if (!customerData || typeof customerData !== 'object') {
+    throw new Error('customerData is required.');
+  }
+
+  const cfg = getConfig();
+  const fetchFn = getFetchFn();
+
+  const customerId = customerData.id;
+  const endpoint = customerId
+    ? `${cfg.baseUrl}/customer/${encodeURIComponent(customerId)}`
+    : `${cfg.baseUrl}/customer`;
+
+  const method = customerId ? 'PUT' : 'POST';
+  const bodyPayload = serializeCustomerPayload(customerData);
+
+  const response = await fetchFn(endpoint, {
+    method,
+    headers: buildHeaders(true),
+    body: JSON.stringify(bodyPayload),
+  });
+
+  if (!response.ok) {
+    const text = await response.text();
+    throw new Error(`submitCustomerInfo failed (status: ${response.status}): ${text}`);
+  }
+
+  const responseData = (await response.json()) as CustomerPutResponse;
+
+  const returnedCustomerId = responseData.id || customerId;
+  if (!returnedCustomerId) {
+    throw new Error('submitCustomerInfo did not receive customer id from anchor response.');
+  }
+
+  if (customerData.documents && customerData.documents.length > 0) {
+    await applyDocumentUploads(returnedCustomerId, customerData.documents);
+  }
+
+  return {
+    ...responseData,
+    id: returnedCustomerId,
+  };
+}