Create User Account

Testing Env

https://partner-api-stage.p100.io

POST

/v1/user/balances/crypto-and-fiat

This endpoint creates a new user.
Each user must be uniquely identified using the externalUserId field. Attempts to reuse an existing ID will result in an error.

Once created, you must complete the KYC process using one of two paths:

Method A: Upload files via Method A: Add KYC File and then call Add User Verification.

Method B: Use Method B: Creating KYC Verification and Method B: Redirect to Verification, then finalize with Add User Verification once the user completes the flow.

If the user is from a country that requires proof of address (POA), the response will include the field:

"poaRequiredForExtended": true

Request

Authorization

API Key

Add parameter in header

x-api-key

Example:

x-api-key: ********************

Body Params application/json

Examples

Responses

🟢201Created

application/json

Body

🟠401Access Denied

🟠400P403: Validation error

🟠400P411: User exists

🟠400P431: Forbidden country

🟠400P464: User exists with this phone

🟠400P465: User exists with this email

🟠400P500: Unknown exception

🟠400P501: Service temporarily unavailable

Request Example

Shell

JavaScript

Java

Swift

curl --location --request POST 'https://partner-api-stage.p100.io/v1/user/balances/crypto-and-fiat' \
--header 'x-api-key: <api-key>' \
--header 'Content-Type: application/json' \
--data-raw '{
  "externalUserId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "email": "jan.kowalski@example.pl",
  "phone": "48601234567",
  "firstName": "Jan",
  "lastName": "Kowalski",
  "street": "ul. Marszałkowska",
  "number": "123/5",
  "city": "Warszawa",
  "postCode": "00-001",
  "country": "PL",
  "citizenship": "PL",
  "nationality": "PL",
  "birthCountry": "PL",
  "birthDate": "1990-05-15"
}'

Response Example

201 - Success

{
    "userId": "f63064b1-c26b-4c9e-af22-0b483262751f",
    "poaRequiredForExtended": false
}

Onboarding & KYC Flow

Method A: Add KYC File