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Onboarding via the API

Learn how to implement a frictionless onboarding experience that gets users started immediately while deferring regulatory requirements until they're actually needed.

Core Concepts​

Before diving into implementation, let's understand the three fundamental concepts and how they work together.

The Conceptual Model​

User → Wallet → KYC Verification

User - The customer identity

  • Represents an individual in your system
  • Contains basic profile information (name, email, phone)
  • Created instantly, no verification required

Wallet - The merchant-specific user wallet

  • Create a wallet for the user under your merchant
  • Can receive rewards and prizes immediately
  • Stores value and tracks transactions
  • Requires KYC only for money movement

KYC - The regulatory gatekeeper

  • Know Your Customer verification for banking compliance
  • Only required when moving real money
  • Progressive verification process
  • Once approved, unlocks all banking features

Traditional financial onboarding forces users through lengthy verification before they can do anything. Accrue takes a different approach—we let users experience value immediately, then verify when they're ready to transact.

Creating Wallets
Get users started immediately without KYC. Create users and wallets, enable account linking, and allow users to receive rewards and program benefits.
Complete KYC
Enable full banking capabilities when users are ready. Complete KYC verification, monitor status with webhooks, and unlock all money movement features.
Verify identity for profile updates
Securely update a user's phone number or email after knowledge-based identity verification when they cannot use the normal sign-in flow.

Next Steps​

Once you understand the two-phase approach: