Provision user accounts
Learn the process for creating a new user account on the platform. Understand how to provision the necessary foundation for your users to access financial features.
The user in this document pertains to both the individual and business user types.
Use Case
- You want to provision an account (wallet) to a user, which enables access to the financial capabilities offered on the platform.
Prerequisite
- The user profile risk assessment status must not be
risk_flagged. - The user profile must be in an
activestatus. - The user must have an
approvedKYC or KYB status. - The user must not own any account or wallet yet.
API workflow
1
Create an account for the user
The account or wallet is the placeholder of customer funds and the ledger that records all debits and credits made by the customer and performed against the account.
That is why account creation is necessary before any payment instrument or asset can be created and any financial transaction can be initiated.
Call the Create Wallet (POST /users/wallets) to open an account and associate it with a user profile.
Create Wallet request
CURL
curl --location --request POST 'https://{{accounts_base_url}}/{{program_code}}/v1/users/wallets' \
--header 'X-Auth-User-ID: {{user_id}}' \
--header 'Authorization: ••••••'Create Wallet response
JSON
{
"id": "<user_id>",
"number": "6377021205375825",
"holder": {
"name": "John Smith"
},
"funds": {
"available": {
"currency": "USD",
"amount": "0.00"
},
"withholding": {
"currency": "USD",
"amount": "0.00"
}
},
"token": {
"type": "CVV",
"generation": "dynamic"
},
"date": {
"expiry": "2030-09",
"issued": "2025-09-02",
"closed": null
},
"image": {
"small": "https://assets.mmvpay.com/global/products/<program_code>/card-small.png",
"medium": "https://assets.mmvpay.com/global/products/<program_code>/card-medium.png",
"large": "https://assets.mmvpay.com/global/products/<program_code>/card-large.png"
},
"status": {
"is_active": true,
"text": "active"
},
"reason": null,
"details": {
"max_load_limit": null,
"network_type": "MatchMove",
"fee": "0.00",
"fee_currency": "USD",
"purse": {
"pre_kyc": {
"purse_max_limit": 0
},
"post_kyc": {
"purse_max_limit": 500000
}
},
"topup_limits": {
"pre_kyc": {
"unit_transactional_limit": 750,
"daily_transactional_limit": 2250,
"daily_count_limit": null,
"weekly_transactional_limit": 2250,
"weekly_count_limit": null,
"monthly_transactional_limit": 2250,
"monthly_count_limit": null,
"annual_transactional_limit": 15000,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"post_kyc": {
"unit_transactional_limit": 500000,
"daily_transactional_limit": 500000,
"daily_count_limit": null,
"weekly_transactional_limit": 500000,
"weekly_count_limit": null,
"monthly_transactional_limit": 1000000,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"current": {
"lifetime_transactional": 0,
"lifetime_count": 0,
"daily_transactional": 0,
"daily_count": 0,
"weekly_transactional": 0,
"weekly_count": 0,
"monthly_transactional": 0,
"monthly_count": 0,
"annual_transactional": 0,
"annual_count": 0
}
},
"deduct_limits": {
"pre_kyc": {
"unit_transactional_limit": 750,
"daily_transactional_limit": 2250,
"daily_count_limit": null,
"weekly_transactional_limit": 2250,
"weekly_count_limit": null,
"monthly_transactional_limit": 2250,
"monthly_count_limit": null,
"annual_transactional_limit": 15000,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"post_kyc": {
"unit_transactional_limit": 500000,
"daily_transactional_limit": 500000,
"daily_count_limit": null,
"weekly_transactional_limit": 500000,
"weekly_count_limit": null,
"monthly_transactional_limit": 1000000,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"current": {
"lifetime_transactional": 0,
"lifetime_count": 0,
"daily_transactional": 0,
"daily_count": 0,
"weekly_transactional": 0,
"weekly_count": 0,
"monthly_transactional": 0,
"monthly_count": 0,
"annual_transactional": 0,
"annual_count": 0
}
},
"transfer_in_limits": {
"pre_kyc": {
"unit_transactional_limit": 750,
"daily_transactional_limit": 2250,
"daily_count_limit": null,
"weekly_transactional_limit": 2250,
"weekly_count_limit": null,
"monthly_transactional_limit": 2250,
"monthly_count_limit": null,
"annual_transactional_limit": 15000,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"post_kyc": {
"unit_transactional_limit": 500000,
"daily_transactional_limit": 500000,
"daily_count_limit": null,
"weekly_transactional_limit": 500000,
"weekly_count_limit": null,
"monthly_transactional_limit": 1000000,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"current": {
"lifetime_transactional": 0,
"lifetime_count": 0,
"daily_transactional": 0,
"daily_count": 0,
"weekly_transactional": 0,
"weekly_count": 0,
"monthly_transactional": 0,
"monthly_count": 0,
"annual_transactional": 0,
"annual_count": 0
}
},
"transfer_out_limits": {
"pre_kyc": {
"unit_transactional_limit": 750,
"daily_transactional_limit": 2250,
"daily_count_limit": null,
"weekly_transactional_limit": 2250,
"weekly_count_limit": null,
"monthly_transactional_limit": 2250,
"monthly_count_limit": null,
"annual_transactional_limit": 15000,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"post_kyc": {
"unit_transactional_limit": 500000,
"daily_transactional_limit": 500000,
"daily_count_limit": null,
"weekly_transactional_limit": 500000,
"weekly_count_limit": null,
"monthly_transactional_limit": 1000000,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"current": {
"lifetime_transactional": 0,
"lifetime_count": 0,
"daily_transactional": 0,
"daily_count": 0,
"weekly_transactional": 0,
"weekly_count": 0,
"monthly_transactional": 0,
"monthly_count": 0,
"annual_transactional": 0,
"annual_count": 0
}
},
"load_limits": {
"pre_kyc": {
"unit_transactional_limit": 750,
"daily_transactional_limit": 2250,
"daily_count_limit": null,
"weekly_transactional_limit": 2250,
"weekly_count_limit": null,
"monthly_transactional_limit": 2250,
"monthly_count_limit": null,
"annual_transactional_limit": 15000,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"post_kyc": {
"unit_transactional_limit": 500000,
"daily_transactional_limit": 500000,
"daily_count_limit": null,
"weekly_transactional_limit": 500000,
"weekly_count_limit": null,
"monthly_transactional_limit": 1000000,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"current": {
"lifetime_transactional": 0,
"lifetime_count": 0,
"daily_transactional": 0,
"daily_count": 0,
"weekly_transactional": 0,
"weekly_count": 0,
"monthly_transactional": 0,
"monthly_count": 0,
"annual_transactional": 0,
"annual_count": 0
}
},
"unload_limits": {
"pre_kyc": {
"unit_transactional_limit": 750,
"daily_transactional_limit": 2250,
"daily_count_limit": null,
"weekly_transactional_limit": 2250,
"weekly_count_limit": null,
"monthly_transactional_limit": 2250,
"monthly_count_limit": null,
"annual_transactional_limit": 15000,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"post_kyc": {
"unit_transactional_limit": 500000,
"daily_transactional_limit": 500000,
"daily_count_limit": null,
"weekly_transactional_limit": 500000,
"weekly_count_limit": null,
"monthly_transactional_limit": 1000000,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"current": {
"lifetime_transactional": 0,
"lifetime_count": 0,
"daily_transactional": 0,
"daily_count": 0,
"weekly_transactional": 0,
"weekly_count": 0,
"monthly_transactional": 0,
"monthly_count": 0,
"annual_transactional": 0,
"annual_count": 0
}
},
"remittance_limits": {
"pre_kyc": {
"unit_transactional_limit": 0,
"daily_transactional_limit": 0,
"daily_count_limit": null,
"weekly_transactional_limit": 0,
"weekly_count_limit": null,
"monthly_transactional_limit": 0,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": 0,
"lifetime_count_limit": null,
"allowed": 1
},
"post_kyc": {
"unit_transactional_limit": 500000,
"daily_transactional_limit": 500000,
"daily_count_limit": null,
"weekly_transactional_limit": 500000,
"weekly_count_limit": null,
"monthly_transactional_limit": 1000000,
"monthly_count_limit": null,
"annual_transactional_limit": null,
"annual_count_limit": null,
"lifetime_transactional_limit": null,
"lifetime_count_limit": null,
"allowed": 1
},
"current": {
"lifetime_transactional": 0,
"lifetime_count": 0,
"daily_transactional": 0,
"daily_count": 0,
"weekly_transactional": 0,
"weekly_count": 0,
"monthly_transactional": 0,
"monthly_count": 0,
"annual_transactional": 0,
"annual_count": 0
}
},
"reversal_limits": {
"current": {
"lifetime_count": 0,
"lifetime_transactional": 0,
"daily_count": 0,
"daily_transactional": 0,
"weekly_count": 0,
"weekly_transactional": 0,
"monthly_count": 0,
"monthly_transactional": 0
}
},
"refund_limits": {
"current": {
"lifetime_count": 0,
"lifetime_transactional": 0,
"daily_count": 0,
"daily_transactional": 0,
"weekly_count": 0,
"weekly_transactional": 0,
"monthly_count": 0,
"monthly_transactional": 0
}
}
},
"kit": "000005518998"
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