Partner API
  1. API References
Partner API
  • Getting Started
    • Introduction
    • Authentication
    • Business Use Cases
  • API References
    • Partner Operations
      • Get Balances
      • Create Wallet
      • Get Transaction History
      • Retrieve Exchange Rate and Create a Lock
      • Create and Finalize an Exchange
      • Retrieve Detailed Exchange Information
      • Create Crypto Withdrawal
      • Get Crypto Withdrawal Details
      • Create a SEPA Transfer
      • Get SEPA Transfer Details
    • User Accounts
      • Create User Account
      • Add KYC File
      • Add POA File
      • Add User Verification
      • Extend user
      • 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 Information
    • 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
    • Orders
      • Get Rates
      • Retrieve Order Rate and Create a Lock
      • Create and Finalize an Order
      • Get Order Details
    • Payment link
      • Generate Payment Link
      • Get Payment Link Details
  • Integration
    • SDKs & Integration Guides
    • Transaction Processing
    • Error Handling
    • Rate Limiting
    • Webhooks
      • User & KYC Webhooks
        • User Balance Generation Webhook
        • KYC File Added Webhook
        • POA Verification Status Webhook
        • KYC Verification Status Webhook
        • Create Wallet Webhook
      • Transfers & Payments Webhooks
        • P2P Transfer Webhook
        • SEPA Transfer Webhook
        • SEPA Deposit Webhook
        • Crypto Withdrawal Webhook
        • Crypto Deposit Webhook
        • Exchange Webhook
        • Card Transaction Webhook
        • Order status Webhook
        • Payment Link Webhook
      • Card Webhooks
        • Card 3DS Code Webhook
        • Card Activation Code Webhook
  • 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
Initiates the onboarding process by creating a new user account.
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.
Extend User
Extend a user's fiat capabilities (e.g., enabling card features).
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 User Account
2.
Add KYC File(s)
3.
Add User Verification (submit for identity review)
Use this flow when the partner collects KYC documents and submits them via the API.

2) Hosted KYC (by P100)#

User completes KYC on a P100-hosted page.
1.
Create KYC Verification (session)
2.
Redirect to Verification (hosted page)
3.
Get KYC Status (poll or webhook)
For details, see KYC by P100.

Proof of Address (POA)#

Proof of Address confirms the user's current residential address. It may be required for regulatory compliance in selected countries and can be a prerequisite for certain fiat-related operations, depending on jurisdiction and configuration.
When POA is required
Enforcement depends on the user's country of residence and internal compliance rules.
On user creation the API may indicate the requirement with:
"poaRequiredForExtended": true
For a country overview, see Supported Countries.
POA document requirements
Shows the user’s full name and current address
Recently issued (typically ≤ 3 months)
Legible and valid
Commonly accepted documents
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 identity verification (Add User Verification).
2.
Upload POA via Add POA File.
3.
Wait for manual review and acceptance.
NOTE
Once the POA document is accepted (when applicable), the account becomes fully verified for the configured operations.
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