Create User Account

Each user must be uniquely identified using the externalUserId field. Attempts to reuse an existing ID will result in an error. All new users must accept P100 Terms and Conditions by setting hasAcceptedP100Tc to true during creation.

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

⚠️ Important: The Proof of Address (POA) requirement is currently suspended. You are not required to provide POA documents at this time, even if the API returns "poaRequiredForExtended": true. Please proceed with the standard KYC flow.

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

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-a567-0e02b23d479", "email": "jan.kowalski@example.pl", "phone": "486012334567", "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", "userIdentificationNumber": "123456789" }'

Request

Responses