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Customers

Customers represent your users in the Walapay ecosystem. By registering your users with Walapay through the Customers API, you can enable seamless transfers of stablecoins or fiat currencies from or to your users' wallets or bank accounts. All KYC and KYB checks are handled by Walapay so you can safely move funds, knowing that Walapay has properly vetted your users in compliance with legal requirements.

If of type BUSINESS, you'll also need to pass along the information related to the Associated Persons (e.g., Ultimate Beneficial Owners, Control Persons) of these businesses. Please check our compliance requirements for details regarding the KYC/KYB process.

📘

KYC Status

In Sandbox, Customers will be automatically marked as APPROVED. For expected approval timing in Production, please check out our compliance requirements.

Individual Customer Creation

Request

curl --request POST \
  --url 'https://sandbox-api.walapay.io/v1/customers' \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --data '{
  "type": "INDIVIDUAL",
  "firstName": "John",
  "middleName": "Robert",
  "lastName": "Smith",
  "dateOfBirth": "1990-01-15",
  "email": "[email protected]",
  "phone": "+14155552671",
  "phoneCountryCode": "US",
  "address": {
    "streetLine1": "123 Main Street",
    "streetLine2": "Apt 4B",
    "city": "San Francisco",
    "stateRegionOrProvince": "CA",
    "postalCode": "94105",
    "countryCode": "US"
  },
  "employmentStatus": "EMPLOYED",
  "mostRecentOccupation": "37301X",
  "sourceOfFunds": "SALARY",
  "accountPurpose": "INVESTMENT_PURPOSES",
  "accountPurposeExplanation": "Receiving salary payments and paying personal expenses",
  "expectedMonthlyPaymentsUSD": "FIVE_THOUSAND_TO_TEN_THOUSAND",
  "taxIdentificationNumber": "123456789",
  "governmentIssuedIdentification": {
    "type": "PASSPORT",
    "countryCode": "US",
    "number": "123456789",
    "issuanceDate": "2020-01-01",
    "expirationDate": "2030-01-01",
    "frontImage": "data:image/jpeg;base64,/9j/4AAQSkZJRg...",
    "livenessCheckImage": "data:image/jpeg;base64,/9j/4AAQSkZJRg..."
  },
  "supportingDocuments": [
    {
      "type": "PROOF_OF_ADDRESS",
      "subType": "UTILITY_BILL",
      "description": "Electric bill from PG&E",
      "file": "data:application/pdf;base64,/9j/4AAQSkZJRg..."
    },
    {
      "type": "PROOF_OF_SOURCE_OF_FUNDS",
      "description": "Bank statement showing source of funds",
      "file": "data:application/pdf;base64,/9j/4AAQSkZJRg..."
    }
  ]
}'
curl --request POST \
  --url 'https://sandbox-api.walapay.io/v1/customers' \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-Api-Key: fa15de08-f1af-4c41-a74b-2302b6785c13' \
  --data '{
  "type": "INDIVIDUAL",
  "firstName": "João",
  "lastName": "Silva",
  "email": "[email protected]",
  "phone": "+5511998765432",
  "phoneCountryCode": "BR",
  "address": {
    "streetLine1": "Rua das Flores, 123",
    "streetLine2": "Apto 45",
    "city": "São Paulo",
    "stateRegionOrProvince": "SP",
    "postalCode": "01001-000",
    "countryCode": "BR"
  },
  "taxIdentificationNumber": "123.456.789-09",
  "dateOfBirth": "1990-01-01",
  "accountPurpose": "INVESTMENT_PURPOSES",
  "sourceOfFunds": "SALARY",
  "employmentStatus": "EMPLOYED",
  "expectedMonthlyPaymentsUSD": "FIVE_THOUSAND_TO_TEN_THOUSAND",
  "governmentIssuedIdentification": {
    "type": "PASSPORT",
    "countryCode": "BR",
    "number": "BR123456",
    "issuanceDate": "2020-01-01",
    "expirationDate": "2030-01-01",
    "frontImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
  },
  "supportingDocuments": [
    {
      "type": "PROOF_OF_ADDRESS",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
      "description": "Utility bill",
      "subType": "UTILITY_BILL"
    }
  ]
}'
curl --request POST \
  --url 'https://sandbox-api.walapay.io/v1/customers' \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-Api-Key: fa15de08-f1af-4c41-a74b-2302b6785c13' \
  --data '{
  "type": "INDIVIDUAL",
  "firstName": "Jean",
  "lastName": "Dupont",
  "email": "[email protected]",
  "phone": "+33612345678",
  "phoneCountryCode": "FR",
  "address": {
    "streetLine1": "10 Rue de Paris",
    "streetLine2": "Appartement 3C",
    "city": "Paris",
    "stateRegionOrProvince": "31",
    "postalCode": "75001",
    "countryCode": "FR"
  },
  "taxIdentificationNumber": "1234567890123",
  "dateOfBirth": "1980-03-25",
  "accountPurpose": "RECEIVE_SALARY",
  "sourceOfFunds": "SALARY",
  "employmentStatus": "EMPLOYED",
  "expectedMonthlyPaymentsUSD": "FIVE_THOUSAND_TO_TEN_THOUSAND",
  "governmentIssuedIdentification": {
    "type": "NATIONAL_ID",
    "countryCode": "FR",
    "number": "FR12345678",
    "issuanceDate": "2019-06-01",
    "expirationDate": "2029-06-01",
    "frontImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
    "backImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
  },
  "supportingDocuments": [
    {
      "type": "PROOF_OF_ADDRESS",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
      "description": "Utility bill",
      "subType": "UTILITY_BILL"
    }
  ]
}'
curl --request POST \
  --url 'https://sandbox-api.walapay.io/v1/customers' \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --data '{
  "type": "INDIVIDUAL",
  "firstName": "タロウ",
  "middleName": "ロバート",
  "lastName": "ヤマダ",
  "transliteratedFirstName": "Taro",
  "transliteratedMiddleName": "Robert",
  "transliteratedLastName": "Yamada",
  "email": "[email protected]",
  "phone": "+81345678901",
  "phoneCountryCode": "JP",
  "address": {
    "streetLine1": "東京都港区六本木",
    "streetLine2": "1-6-1 泉ガーデンタワー",
    "city": "港区",
    "stateRegionOrProvince": "01",
    "postalCode": "106-6024",
    "countryCode": "JP"
  },
  "transliteratedAddress": {
    "streetLine1": "Roppongi",
    "streetLine2": "1-6-1 Izumi Garden Tower",
    "city": "Minato-ku",
    "stateRegionOrProvince": "01",
    "postalCode": "106-6024",
    "countryCode": "JP"
  },
  "dateOfBirth": "1990-01-15",
  "employmentStatus": "EMPLOYED",
  "mostRecentOccupation": "37301X",
  "sourceOfFunds": "SALARY",
  "accountPurpose": "RECEIVE_SALARY",
  "expectedMonthlyPaymentsUSD": "FIVE_THOUSAND_TO_TEN_THOUSAND",
  "taxIdentificationNumber": "123456789012",
  "governmentIssuedIdentification": {
    "type": "PASSPORT",
    "countryCode": "JP",
    "number": "TZ1234567",
    "issuanceDate": "2020-01-01",
    "expirationDate": "2030-01-01",
    "frontImage": "data:image/jpeg;base64,/9j/4AAQSkZJRg..."
  },
  "supportingDocuments": [
    {
      "type": "PROOF_OF_ADDRESS",
      "subType": "UTILITY_BILL",
      "description": "Recent utility bill from Tokyo Electric",
      "file": "data:application/pdf;base64,/9j/4AAQSkZJRg..."
    }
  ]
}'

For example responses, please visit the API Reference's Create Customer endpoint and click on one of the available Response examples.

Business Customer Creation

Request

curl --request POST \
  --url 'https://sandbox-api.walapay.io/v1/customers' \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-Api-Key: fa15de08-f1af-4c41-a74b-2302b6785c13' \
  --data '{
  "type": "BUSINESS",
  "businessType": "C_CORPORATION",
  "legalName": "Global Enterprises Inc",
  "tradeName": "Global Enterprises",
  "description": "Financial services corporation",
  "industry": "111120",
  "website": "www.example.com",
  "email": "[email protected]",
  "phone": "+1987654321",
  "address": {
    "streetLine1": "789 Corporate Blvd",
    "streetLine2": "Floor 20",
    "city": "Dallas",
    "stateRegionOrProvince": "TX",
    "postalCode": "75301",
    "countryCode": "US"
  },
  "accountPurpose": "PAYROLL",
  "sourceOfFunds": "SALES_OF_GOODS_AND_SERVICES",
  "isDao": false,
  "conductsMoneyServices": false,
  "estimatedAnnualRevenueUSD": "HUNDRED_THOUSAND_TO_MILLION",
  "expectedMonthlyPaymentsUSD": 10000,
  "operatesInProhibitedCountries": false,
  "taxIdentificationNumber": "12-3456789",
  "registrationNumber": "REG123456",
  "registrationDate": "2015-01-01",
  "supportingDocuments": [
    {
      "type": "BUSINESS_FORMATION",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
      "description": "Certificate of Incorporation"
    },
    {
      "type": "OWNERSHIP_INFORMATION",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
    },
    {
      "type": "PROOF_OF_ADDRESS",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
      "description": "Checking account Oct 2024",
      "subType": "BANK_STATEMENT"
    }
  ],
  "associatedPersons": [
    {
      "firstName": "John",
      "lastName": "Doe",
      "email": "[email protected]",
      "phone": "+1987654321",
      "address": {
        "streetLine1": "789 Corporate Blvd",
        "streetLine2": "Floor 20",
        "city": "Dallas",
    		"stateRegionOrProvince": "TX",
    		"postalCode": "75301",
    		"countryCode": "US"
      },
      "dateOfBirth": "1990-01-01",
      "percentageOwnership": 60,
      "hasControl": true,
      "title": "CEO",
      "isSigner": true,
      "isDirector": true,
      "relationshipEstablishmentDate": "2015-01-01",
      "taxIdentificationNumber": "123456789",
      "governmentIssuedIdentification": {
        "type": "PASSPORT",
        "countryCode": "US",
        "number": "UBO123456",
        "issuanceDate": "2020-01-01",
        "expirationDate": "2030-01-01",
        "frontImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
      },
      "supportingDocuments": [
        {
          "type": "PROOF_OF_ADDRESS",
          "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
          "description": "Utility bill",
          "subType": "UTILITY_BILL"
        }
      ]
    },
    {
      "firstName": "Alice",
      "lastName": "Johnson",
      "email": "[email protected]",
      "phone": "+1987654322",
      "address": {
        "streetLine1": "790 Corporate Blvd",
        "city": "Dallas",
    		"stateRegionOrProvince": "TX",
    		"postalCode": "75301",
   		  "countryCode": "US"
      },
      "dateOfBirth": "1990-01-01",
      "percentageOwnership": 40,
      "hasControl": false,
      "title": "CFO",
      "isSigner": false,
      "isDirector": true,
      "relationshipEstablishmentDate": "2015-01-01",
      "taxIdentificationNumber": "123456789",
      "governmentIssuedIdentification": {
        "type": "DRIVERS_LICENSE",
        "countryCode": "US",
        "number": "UBO123457",
        "issuanceDate": "2020-01-01",
        "expirationDate": "2030-01-01",
        "frontImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
        "backImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
      },
      "supportingDocuments": [
        {
          "type": "PROOF_OF_ADDRESS",
          "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
          "description": "Bank statement",
          "subType": "BANK_STATEMENT"
        }
      ]
    }
  ]
}'
curl --request POST \
  --url 'https://sandbox-api.walapay.io/v1/customers' \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'X-Api-Key: fa15de08-f1af-4c41-a74b-2302b6785c13' \
  --data '{
  "type": "BUSINESS",
  "legalName": "Pilipinas Enterprises Inc",
  "tradeName": "Pilipinas Enterprises Inc",
  "businessType": "C_CORPORATION",
  "description": "Financial services corporation",
  "industry": "111120",
  "website": "www.example.com",
  "email": "[email protected]",
  "phone": "+639171234567",
  "phoneCountryCode": "PH",
  "address": {
    "streetLine1": "123 Ayala Avenue",
    "streetLine2": "Makati Central Business District",
    "city": "Makati",
    "stateRegionOrProvince": "01",
    "postalCode": "1226",
    "countryCode": "PH"
  },
  "accountPurpose": "CHARITABLE_DONATIONS",
  "sourceOfFunds": "BUSINESS_LOANS",
  "estimatedAnnualRevenueUSD": "UNDER_HUNDRED_THOUSAND",
  "expectedMonthlyPaymentsUSD": 10000,
  "isDao": false,
  "conductsMoneyServices": false,
  "operatesInProhibitedCountries": false,
  "taxIdentificationNumber": "123-456-789-000",
  "registrationNumber": "REG123456",
  "registrationDate": "2015-01-01",
  "supportingDocuments": [
    {
      "type": "BUSINESS_FORMATION",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
      "description": "Certificate of Incorporation"
    },
    {
      "type": "OWNERSHIP_INFORMATION",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
    },
    {
      "type": "PROOF_OF_ADDRESS",
      "file": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA",
      "description": "Checking account Oct 2024",
      "subType": "BANK_STATEMENT"
    }
  ],
  "associatedPersons": [
    {
      "firstName": "Maria",
      "lastName": "Santos",
      "email": "[email protected]",
      "phone": "+639171234568",
      "phoneCountryCode": "PH",
      "address": {
        "streetLine1": "456 Ortigas Avenue",
        "streetLine2": "Ortigas Center",
        "city": "Pasig",
        "stateRegionOrProvince": "AGS",
        "postalCode": "1605",
        "countryCode": "PH"
      },
      "dateOfBirth": "1990-01-01",
      "percentageOwnership": 60,
      "hasControl": true,
      "title": "CEO",
      "isSigner": true,
      "isDirector": true,
      "relationshipEstablishmentDate": "2015-01-01",
      "taxIdentificationNumber": "123-45-6789",
      "governmentIssuedIdentification": {
        "type": "PASSPORT",
        "countryCode": "PH",
        "number": "UBO123456",
        "issuanceDate": "2020-01-01",
        "expirationDate": "2030-01-01",
        "frontImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
      }
    },
    {
      "firstName": "Jose",
      "lastName": "Reyes",
      "email": "[email protected]",
      "phone": "+639171234569",
      "phoneCountryCode": "PH",
      "address": {
        "streetLine1": "789 Bonifacio High Street",
        "streetLine2": "Bonifacio Global City",
        "city": "Taguig",
        "stateRegionOrProvince": "AGS",
        "postalCode": "1634",
        "countryCode": "PH"
      },
      "dateOfBirth": "1990-01-01",
      "percentageOwnership": 40,
      "hasControl": false,
      "title": "CFO",
      "isSigner": false,
      "isDirector": true,
      "relationshipEstablishmentDate": "2015-01-01",
      "taxIdentificationNumber": "123-45-6789",
      "governmentIssuedIdentification": {
        "type": "PASSPORT",
        "countryCode": "PH",
        "number": "UBO123457",
        "issuanceDate": "2020-01-01",
        "expirationDate": "2030-01-01",
        "frontImage": "data:image/jpeg;base64,BASE64_ENCODED_IMAGE_DATA"
      }
    }
  ]
}'

For example responses, please visit the API Reference's Create Customer endpoint and click on one of the available Response examples.

Updated 14 days ago