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Core Integration Flows

This section provides comprehensive guides for implementing the complete customer lifecycle - from registration through to active payment operations.

Customer Lifecycle Overview

Both Individual (B2C) and Organization (B2B) customers follow a linear flow with strict prerequisites at each phase. Operations are blocked until all requirements are met.

Flow Timeline Comparison


Individual Customer (B2C) - 7 Phases

Complete lifecycle for personal/individual customers.

B2C Overview

Complete Individual customer flow guide

Phase 1: Registration

Customer registration with categorization

Phase 3: Verification

KYC verification process

Phase 5: Activation

Account activation & wallet creation

Organization Customer (B2B) - 8 Phases

Complete lifecycle for business/organization customers with multi-stakeholder management.

B2B Overview

Complete Organization customer flow guide

Phase 2: Personnel

Directors, shareholders, employees

Phase 3: Verification

KYB verification process

Phase 8: Transactions

Business payment operations

Key Differences: B2C vs B2B


Critical Prerequisites

For Activation

All prerequisites must be met before activation:
  1. Verification status: APPROVED
  2. Terms & Conditions: ACCEPTED
  3. Privacy Policy: ACCEPTED
  4. Data Processing: ACCEPTED
  5. Customer status: Not already ACTIVE

For Transactions

Required before payment operations:
  1. Account status: ACTIVE
  2. Wallet status: ACTIVE
  3. Valid payment consent (for transfers)
  4. Pre-registered beneficiaries

Key Characteristics

Individual Customer (B2C)

  • Risk-Based Processing: High-risk customers require power tenant approval
  • Consent-Driven: Operations blocked until required consents accepted
  • Smart Categorization: Feature-based customer categorization
  • State Machine: Strict state transitions with no backward movement

Organization Customer (B2B)

  • Multi-Stakeholder: Employees, Directors, Shareholders
  • Role-Based Access: COMPLIANCE_OFFICER, TRANSACTION_APPROVER, ADMIN_USER
  • Dual Record Creation: Organization + Individual records for personnel
  • Enhanced Verification: KYB + UBO verification

Common Resources

Categorization

Smart categorization strategy

Error Handling

Error scenarios & troubleshooting

Best Practices

Implementation best practices

Quick Reference

Individual Customer Endpoints

Organization Customer Endpoints