Partner API
  1. API References
Partner API
  • Getting Started
    • Introduction
    • Authentication
    • Business Use Cases
  • API References
    • Partner Operations
      • Get Balances
      • Get Transaction History
      • Retrieve Exchange Rate and Create a Lock
      • Create and Finalize an Exchange
      • Create Crypto Withdrawal
      • Create a SEPA Transfer
      • Get SEPA Transfer Details
    • User Accounts with KYC
      • Create User Account and Generate Balances
      • Add KYC File
      • Add POA File
      • Add User Verification
      • Update Existing User
      • Delete User
      • Suspend User
      • Unsuspend User
      • Get User Balances
      • Get User Transaction History
    • User Accounts without KYC
      • Create User Account and Generate Balances Without KYC
      • Update Existing User
      • Delete User
      • Suspend User
      • Unsuspend User
      • Get User Balances
      • Get User Transaction History
    • KYC by P100
      • Creating KYC Verification
      • Redirect to Verification
      • Get KYC Status
    • Currency Exchange
      • Retrieve Exchange Rate
      • Retrieve Exchange Rate and Create a Lock
      • Create and Finalize an Exchange
      • Retrieve Detailed Exchange Infromation
    • Crypto Deposits
      • Update Travel Rule
    • Crypto Withdrawals
      • Get Network Fee
      • Create Crypto Withdrawal
      • Get Crypto Withdrawal Details
    • Internal Transfers
      • Create a Transfer
      • Get Transfer Details
    • Virtual Cards
      • Create Virtual Card
      • Get All User Cards
      • Get Card Details
      • Update Card PIN
      • Block Card
      • Unblock Card
      • Get Card Limits
      • Update Card Limits
      • Delete Card
    • Custom Fiat Operations
      • SEPA Deposit & Withdrawal
  • Integration
    • SDKs & Integration Guides
    • Transaction Processing
    • Error Handling
    • Rate Limiting
    • Webhooks
      • User & KYC Webhooks
        • User Balance Generation
        • KYC File Added
        • POA Verification Status
        • KYC Verification Status
      • Transfers & Payments Webhooks
        • P2P Transfer Webhook
        • SEPA Transfer
        • SEPA Deposit
        • Crypto Withdrawal
        • Crypto Deposit
        • Exchange
        • Card Transaction
      • Card Webhooks
        • Card 3DS Code
        • Card Activation Code
  • Reference
    • Supported Countries
    • Supported Currencies
    • Fees
    • FAQ
    • Changelog
    • Support
  1. API References

User Accounts

This module contains endpoints for managing the full lifecycle of KYC-verified users, including:
User account creation
KYC (Know Your Customer) and POA (Proof of Address) processes
Identity and document verification
Account suspension, deletion, and updates
Access to balance and transaction history

Core Endpoints#

Create User Account
Onboard a new user and create their initial currency wallets.
Update Existing User
Modify the information of an existing user account.
Get User Balances
Retrieve the current balances for a specific user.
Get User Transaction History
Fetch the transaction history for a specific user.
Add KYC File
Upload a Know Your Customer (KYC) document for a user.
Add POA File
Upload a Proof of Address (POA) document for a user.
Add User Verification
Submit user details and documents for identity verification.
Suspend User
Temporarily block a user's account and all activities.
Unsuspend User
Reactivate a previously suspended user account.
Delete User
Permanently remove a user and their associated data.

Typical Workflows#

There are two main flows for user onboarding and verification:

1. Partner-Provided KYC Documents#

1.
Create a user account and generate all balances
2.
Upload KYC file(s)
3.
Submit user document verification
This flow is used when the partner collects KYC documents from users and submits them via the API.

2. KYC Verification via API#

This flow is used when the user completes the KYC process directly through the API.
For detailed information about this process, including endpoint usage and examples, refer to: KYC by P100

Proof of Address (POA)#

Proof of Address (POA) confirms the user's current residential address. It is required for regulatory compliance in selected countries and may be a prerequisite for enabling certain fiat-related operations depending on jurisdiction.
When POA is required
Enforcement depends on the user's country of residence and internal compliance rules.
On user creation the API indicates the requirement with:
"poaRequired": true
For a country overview, see Supported Countries.
POA document requirements
Clearly shows the user’s full name and current address
Recently issued no older than 3 months
Legible and valid
Commonly accepted documents include:
Utility bill (electricity, water, gas, internet)
Bank statement
Government-issued letter
Tax bill
Rental agreement (with address and issue date)
POA in the verification flow
1.
Complete the identity verification (add verification).
2.
Upload the POA document via Add POA File.
3.
Wait for manual review and acceptance.
NOTE
Once the POA document is accepted, the account becomes fully verified.
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