Create User Account and Generate Balances

Testing Env

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

POST

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

This endpoint creates a new user with full KYC capabilities and provisions both fiat and crypto balances.

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

Upon creation, all fiat balances are returned with the status WAITING_FOR_ACTIVATION. To activate fiat services the user must successfully complete the identity verification process via the Add User Verification endpoint.

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

"poaRequired": true

Request Example

Shell

JavaScript

Java

Swift

curl --location --request POST 'https://partner-api-stage.p100.io/v1/user/balances/crypto-and-fiat' \
--header 'Content-Type: application/json' \
--header 'x-api-key;' \
--data-raw '{
  "externalUserId": "6ef2fb57-c337-4557-ba24-b82f1322f912",
  "email": "johndoe@gmail.com",
  "phone": "48123123123",
  "firstName": "John",
  "lastName": "Doe",
  "address": "Example 321",
  "city": "New York",
  "postCode": "EA0234",
  "country": "PL",
  "citizenship": "PL",
  "documentType": "ID_CARD",
  "documentNumber": "CEV12630"
}'

Response Example

201 - Success

{
    "userId": "f63064b1-c26b-4c9e-af22-0b483262751f",
    "poaRequired": false,
    "balances": {
        "fiatBalances": [
            {
                "id": "68109102-cde0-49ec-ae2c-d535a2eb30bd",
                "amount": "0.00",
                "name": "eur",
                "rate": 1,
                "iban": null,
                "status": "WAITING_TO_BE_ACTIVATED"
            }
        ],
        "cryptoBalances": [
            {
                "id": "7468f765-f1b6-4e2e-bac2-ded52d8df1af",
                "amount": "0.00000000",
                "name": "pol",
                "wallet": null,
                "rate": 0.19598695,
                "networkConfig": {
                    "polygon": {
                        "mainnet": false,
                        "name": "amoy",
                        "withdrawal": {
                            "feeWithdrawal": 0.001,
                            "minWithdrawal": 0.00005
                        },
                        "deposit": {
                            "minDeposit": 0
                        }
                    }
                }
            },
            {
                "id": "cda6ce2c-7f0d-46eb-a96a-cc928dcdb105",
                "amount": "0.000000",
                "name": "usdc",
                "wallet": null,
                "rate": 0.863331,
                "networkConfig": {
                    "ethereum": {
                        "mainnet": false,
                        "name": "sepolia",
                        "withdrawal": {
                            "feeWithdrawal": 10,
                            "minWithdrawal": 1
                        },
                        "deposit": {
                            "minDeposit": 5
                        }
                    },
                    "polygon": {
                        "mainnet": false,
                        "name": "amoy",
                        "withdrawal": {
                            "feeWithdrawal": 0.5,
                            "minWithdrawal": 2
                        },
                        "deposit": {
                            "minDeposit": 0
                        }
                    }
                }
            },
            {
                "id": "bab5eb5b-3963-49f4-97d7-e8e0fe0d7f96",
                "amount": "0.00000000",
                "name": "btc",
                "wallet": null,
                "rate": 102178.03394219,
                "networkConfig": {
                    "btc": {
                        "mainnet": false,
                        "name": "test",
                        "withdrawal": {
                            "feeWithdrawal": 0.0003,
                            "minWithdrawal": 0.000001
                        },
                        "deposit": {
                            "minDeposit": 0
                        }
                    }
                }
            },
            {
                "id": "be038da7-3fb3-45aa-9970-0b7fd9797800",
                "amount": "0.00000000",
                "name": "doge",
                "wallet": null,
                "rate": 0.1954334,
                "networkConfig": {
                    "doge": {
                        "mainnet": false,
                        "name": "test",
                        "withdrawal": {
                            "feeWithdrawal": 5,
                            "minWithdrawal": 0.01
                        },
                        "deposit": {
                            "minDeposit": 0
                        }
                    }
                }
            },
            {
                "id": "87d9f9d6-bb12-4cf7-baf7-0482d8d6e557",
                "amount": "0.00000000",
                "name": "eth",
                "wallet": null,
                "rate": 3308.03435755,
                "networkConfig": {
                    "ethereum": {
                        "mainnet": false,
                        "name": "sepolia",
                        "withdrawal": {
                            "feeWithdrawal": 0.003,
                            "minWithdrawal": 0.0006
                        },
                        "deposit": {
                            "minDeposit": 0
                        }
                    }
                }
            },
            {
                "id": "3ae0db3a-2803-4070-848b-4264a6565ff0",
                "amount": "0.00000000",
                "name": "ltc",
                "wallet": null,
                "rate": 93.83935247,
                "networkConfig": {
                    "ltc": {
                        "mainnet": false,
                        "name": "test",
                        "withdrawal": {
                            "feeWithdrawal": 0.002,
                            "minWithdrawal": 0.001
                        },
                        "deposit": {
                            "minDeposit": 0
                        }
                    }
                }
            }
        ]
    }
}

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

🟠400P500: Unknown exception

🟠400P501: Service temporarily unavailable

User Accounts with KYC

Add KYC File