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 without KYC

This module contains endpoints for managing users without KYC, also referred to as limited users. These users can be onboarded without submitting identity or address verification documents, and can access selected operations using the same API endpoints as fully verified users.

Core Endpoints#

Create User Account (No KYC)
Onboard a new limited user and create their currency wallets.
Update Existing User
Modify the information of an existing limited user account.
Delete User
Permanently remove a limited user and their associated data.
Suspend User
Temporarily block a limited user's account and all activities.
Unsuspend User
Reactivate a previously suspended limited user account.
Get User Balances
Retrieve the current balances for a specific limited user.
Get User Transaction History
Fetch the transaction history for a specific limited user.

Key Capabilities#

Users without KYC can:
Be created via API with minimal required fields
Automatically receive fiat and crypto balances
Deposit and withdraw cryptocurrencies
Perform currency exchanges (crypto ↔ fiat, crypto ↔ crypto)
Initiate internal P2P transfers

Limitations#

Limited users cannot:
Submit KYC or POA documents
Generate IBANs
Request or use virtual cards
Be upgraded to full users within the same account
⚠️ Partners must decide upfront whether they want to integrate with fully verified users (KYC) or limited users without verification. These are two separate integration models and are not interchangeable at runtime.

Typical Workflow#

1.
Create user account with basic details
2.
Balances are automatically generated by the system
3.
User can immediately begin using available services:
Cryptocurrency operations
Currency exchange
P2P transfers
⚠️ Although these users do not complete identity verification, all actions (e.g. withdrawals, swaps) are still subject to standard security and balance checks.
If access to fiat services (such as SEPA transfers or virtual cards) is required, use the
User Accounts integration instead.
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Get User Transaction History
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Create User Account and Generate Balances Without KYC
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