User operations

Contents

Introduction
Operations
KYC transitions
- KYC 0
- KYC 1
- KYC 2
- KYC 3

Introduction

Once you are registered as a client in ioCash, you can start creating accounts for your users so that they can start using the service.

Operations

Create a user

The first interactions you have to do with the API is to create a user. There are two types of users you can create: individual persons (natural users) and companies (juridical users). Depending on the type of clients your business has you will need to create ones or the others. The POST requests you need to call are:

HTTP Request

POST /api/v2/public/users/natural

POST /api/v2/public/users/juridical

With the following information provided as JSON for natural users:

{
  “userName”: “johndoe”,
  “firstName”: “John”,
  “lastName”: “Doe”,
  “email”: “johndoe@example.com”,
  “mobilePhone”: “+34612345678”,
  “identificationType”: “DNI”,
  “identificationNumber”: “12345678A”,
  “dltAddress”: “0xSUF9AS84DS4ADVFFSDDDSSA92SFA0AxAFDS9DD4FAF”
  }

and the following for juridical users:

{
  “userName”: “CompanyA”,
  “companyName”: “CompanyA”,
  “email”: “companya@example.com”,
  “mobilePhone”: “+34612345678”,
  “identificationType”: “DNI”,
  “identificationNumber”: “A1234567B”,
  “dltAddress”: “0xSUF9AS84DS4ADVFFSDDDSSA92SFA0AxAFDS9DD4FAF”
  }

Request body parameters

Parameter	Mandatory	Datatype	Description
userName	yes	string	A freely chosen identification for the user
firstName	yes	string	The first name of the user. Only for Natural person
lastName	yes	string	The last name of the user. Only for Natural person
companyName	yes	string	The last name of the user. Only for Juridical person
email	no	string	The email address of the user
mobilePhone	yes	string	A Spanish mobile phone number
identificationType	no	string	Has to be either `DNI`, `NIF`, `NIE`, `TR`, `PAS`
identificationNumber	no	string	The identification number has to be of the type of the provided `identificationType`
dltAddress	yes	string	The Ethereum address of the user. The client can either use an already existing address, if the user provides it, or create a new one.

As response, you will get the following JSON object:

{
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “companyName”: “null”
  “email”: “johndoe@example.com”,
  “firstName”: “John”,
  “identificationNumber”: “12345678A”,
  “identificationType”: “DNI”,
  “lastName”: “Doe”,
  “mobilePhone”: “+34612345678”,
  “status”: “PENDING”,
  “userName”: “johndoe”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	string	The UUID of the created user. You will need it for future requests
companyName	string	The company name of the user created. If it is a natural user it appears as `null`
email	string	The value which was provided in the request
firstName	string	The value which was provided in the request. If it is a juridical user it appears as `null`
identificationNumber	string	The value which was provided in the request
identificationType	string	The value which was provided in the request
lastName	string	The value which was provided in the request. If it is a juridical user it appears as `null`
mobilePhone	string	The value which was provided in the request
status	string	The status can be either `PENDING_VERIFICATION`, `VERIFIED` or `ACTIVATED`.
userName	string	The value which was provided in the request

From this JSON it is important that you save the id of the user, in the above example: 91af1cb8-1caa-47d0-8ef8-2c11948baaba. You will need the user ID for future requests.

When you create the new user, an IoCash wallet will be generated with the provided DLT address and a new IBAN associated to it. To get this generated wallet ID, please refer to Get wallet

Update a user

In order to update basic info of the users like first name, last name and/or username you have to call the following requests depending if the user to be updated is natural or juridical.

HTTP Request

PATCH /api/v2/public/users/natural/{userId}

PATCH /api/v2/public/users/juridical/{userId}

In our example, the whole request will be PATCH /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/natural

With the following information provided as JSON:

{
  “firstName”: “newFirstName”,
  “lastName”: “newLastName”,
  “userName”: “newUserName”
  }

If you only want to update one of the fields you only have to send this one in the request.

Additionally, the telephone number of a user can be updated, only if the user is still in status PENDING_VERIFICATION. This endpoint has been enabled for the case in which the user introduces a wrong phone number and he/she cannot pass the verification process -usually an OTP sms-. With this request he/she can change it without the need of creating a whole new user.

HTTP Request

PATCH /api/v2/public/users/natural/{userId}/mobile-phone

PATCH /api/v2/public/users/juridical/{userId}/mobile-phone

In our example, the whole request will be PATCH /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/mobile-phone

With the following information provided as JSON:

{
  “mobilePhone”: “newMobilePhone”
  }

Get user info

To get the information of a natural or juridical user you can make the following requests using the id of the user.

HTTP Request

GET /api/v2/public/users/natural/{userId}

GET /api/v2/public/users/juridical/{userId}

In our example, the whole request would be GET /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba

And as response, we would get the following JSON object:

{
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “email”: “johndoe@example.com”,
  “firstName”: “John”,
  “identificationNumber”: “12345678A”,
  “identificationType”: “DNI”,
  “lastName”: “Doe”,
  “mobilePhone”: “+34612345678”,
  “status”: “ACTIVATED”,
  “userName”: “johndoe”
  }

Get user list

If you want to get the list of all the users in your system, you can make the following requests:

HTTP Request

GET /api/v2/public/users/ will give you as response a JSON array with the information of the common fields for all the juridical and natural users existing in your system. The response will include for each user a Hateoas link to get the specific information for its type of user.

Additionnally, you can also retrieve all the natural users you by using:

GET /api/v2/public/users/natural

and for getting the juridicals:

GET api/v2/public/users/juridical.

If you want to try any of these functionalities yourself and learn more about them, please go to the API catalogue

KYC transitions

In order to operate in ioCash, users have to be KYCed - pass identity verification processes. Following what is stipulated in the Electronic Money License, there are different levels of KYC that define the operation limits users have. The table of the operation limits for each level of KYC is shown below.

KYC level 0

To reach KYC level 0, users have to verify their telephone number. In order to do so they have to do two calls to our API: one requesting a One Time Password (OTP) and another one verifying it.

To request the OTP:

HTTP Request

POST /api/v1/public/users/{userId}/request-otp

In our example, the whole request would be POST /api/v1/public/users/91af1cb8-1caa-47d0-8ef8-2c11948baaba/request-otp

And as response, we would get the following JSON object:

{
  “expirationTime”: “2019-07-31T10:36:02.499Z”,
  “status”: “PEN”,
  “type”: “T”,
  “verificationId”: “4bFaa68nSGi9pRTogcZE”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
expirationTime	date	Date when the code will be expired
status	string	Status of the code. It can be `PEN` for pending, `VER` for verified, `CAD` for expired or `ERR` for error.
type	string	Type of the verification code. It can be `T` for telephone or `E` for email. In this case it will always take the `T` value.
verificationId	string	Internal system id for the code

Once the request succeeds, an sms will be directly sent to the user with the OTP. The user will have to send us back this OTP using the following request to verify that he/she is in possession of his/her mobile phone.

HTTP Request

POST /api/v1/public/users/{userId}/validate-otp

In our example, the whole request would be POST /api/v1/public/users/91af1cb8-1caa-47d0-8ef8-2c11948baaba/validate-otp

With the following information provided as JSON:

{
  “otp”: “1111”
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
otp	Yes	string	Code sent to the user via sms.

And as response, we would get the following JSON object:

{
  “expirationTime”: “2019-07-31T10:36:02.499Z”,
  “status”: “VER”,
  “type”: “T”,
  “verificationId”: “4bFaa68nSGi9pRTogcZE”
  “verificationTime”: “2019-07-31T10:36:02.575Z”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
expirationTime	date	Date when the code will be expired
status	string	Status of the code. It can be `PEN` for pending, `VER` for verified, `CAD` for expired or `ERR` for error.
type	string	Type of the verification code. It can be `T` for telephone or `E` for email. In this case it will always take the `T` value.
verificationId	string	Internal system id for the code
verificationTime	Date	Date when the verification was done.

KYC level 1

To reach KYC level 1, users have to verify their identity. They have to first provide some data about their identity card and then verify it with a video. To pass the identity data, you have to use the following request:

HTTP Request

POST /api/v2/public/users/natural/{userId}/identity

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/identity

With the following information provided as JSON:


  {
  “nationality”: “ES”,
  “identityType”: “DNI”,
  “identityNumber”: “92659479T”,
  “birthDate”: “13-08-1985”
  “issueDate”: “12-08-2010”,
  “expiryDate”: “13-08-2020”
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
nationality	Yes	string	Two-letter country code based on ISO 3166.
identityType	Yes	string	Can be `DNI` or `PAS` for passport.
identityNumber	Yes	string	Identity card or passport number.
birthDate	No	date	ISO 8601 date without time.
issueDate	No	date	Identity card or passport issue date. ISO 8601 date without time.
expiryDate	No	date	Identity card or passport expiry date. ISO 8601 date without time.

And as response, we would get the following JSON object:


  {
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “nationality”: “ES”,
  “identityType”: “DNI”,
  “identityNumber”: “92659479T”,
  “birthDate”: “13-08-2021”
  “issueDate”: “12-08-2010”,
  “expiryDate”: “13-08-2021”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	UUID	User id.
nationality	string	User identity nationalty.
identityType	string	User identity type.
identityNumber	string	User identity number.
birthDate	date	User birth date.
issueDate	date	User identity card or passport issue date.
expiryDate	date	User identity card or passport expiry date.

Next step is to verify the identity with a video verification process. To do so you have to do the following request to to obtain the url that will direct them to the video process.

HTTP Request

POST /api/v2/public/users/natural/{userId}/verify-identity

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/verify-identity

With the following information provided as JSON:


  {
  “successUrl”: “https://io.cash",
  “failureUrl”: “https://io.cash"
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
successUrl	No	string	Callback url if the verification goes success
failureUrl	No	string	Callback url if the verification goes wrong

And as response, we would get the following JSON object:


  {
  “url”: “https://identificacion.zonadeprueba.es?token=sfVMSgLPASauZQvoQ7NAxvDjXwbd3X1nwMVm32QLV7znMZWziCrp2KYHwfooUHQV9Y1wAbN9so3KGb5fLM2fz2nNmCpKRgRwek7b3WV6FcJb&lang=es"
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
url	string	Url to perform the identity verification process via video.

Once the video process is completed, if the introduced user identity data matches the identity card or passport data captured with the video, the user will be directly transited to KYC level 1. In addition, when the identity of the user is verified by one of our expert verificators, the user will pass to level KYC 2 if all the rest of the information is completed (see next subsection)

KYC level 2

In order to reach KYC level 2, apart of having the idenitity video verified by one of our experts verificators, users have to provide us the following information: home address, occupation, income level and external account IBAN bumber and proof file. To do so, we have enabled several API endpoints:

Home address

The home address is formed by several fields that have to be passed using the following request:

HTTP Request

POST /api/v2/public/users/natural/{userId}/home-address

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/home-address

With the following information provided as JSON:


  {
  “countryCode”: “ES”,
  “province”: “Madrid”,
  “city”: “Pozuelo de Alarcón”,
  “address”: “Parque Científico y Tecnológico UPM Campus de Montegancedo s/n”,
  “postalCode”: “28223”
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
countryCode	Yes	string	Two-letter country code based on ISO 3166.
province	Yes	string	Home address country province.
city	Yes	string	Home address city.
address	Yes	string	Home address. Can include street, number and so on.
postalCode	Yes	string	Home address postal code.

And as response, we would get the following JSON object:


  {
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “countryCode”: “ES”,
  “province”: “Madrid”,
  “city”: “Pozuelo de Alarcón”,
  “address”: “Parque Científico y Tecnológico UPM Campus de Montegancedo s/n”,
  “postalCode”: “28223”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	UUID	User id
countryCode	String	Home address country
province	String	Home address province
city	String	Home address city
address	String	Home address
postalCode	String	Home address postal code

PUT method can be used to update the information once it is filled for the first time.

Occupation

Users have to add their occupation code, based on the the following list of the goverment of Spain: Occupation codes.

HTTP Request

POST /api/v2/public/users/natural/{userId}/occupation

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/occupation

With the following information provided as JSON:


  {
  “occupationCode”: “1211”,
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
occupationCode	Yes	string	Valid occupation code.

And as response, we would get the following JSON object:


  {
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “occupationCode”: “1211”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	UUID	User id
occupationCode	String	User occupation code

PUT method can be used to update the information once it is filled for the first time.

Income level

Possible levels are A, B, C or D.

HTTP Request

POST /api/v2/public/users/natural/{userId}/financial-information

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/financial-information

With the following information provided as JSON:


  {
  “incomeLevel”: “A”,
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
incomeLevel	Yes	string	Code of the different income levels ranges: A: less than 100,000 € B: between 100,001 and 600,000 € C: between 600,001 and 1,200,000 € D: above 1,200,000 €

And as response, we would get the following JSON object:


  {
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “incomeLevel”: “A”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	UUID	User id
incomeLevel	String	User income level

PUT method can be used to update the information once it is filled for the first time.

External Account

Users need to prove they own an external IBAN account. For this, 2 API calls are needed, one to provide the IBAN number and the other to upload a document that proves they are the owner of the account (e.g. bank recepit).

HTTP Request

POST /api/v2/public/users/natural/{userId}/iban

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/iban

With the following information provided as JSON:


  {
  “iban”: “ES9621001464407281768591”,
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
iban	Yes	string	Valid IBAN number.

And as response, we would get the following JSON object:


  {
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “iban”: “ES9621001464407281768591”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	UUID	User id
iban	String	User external account IBAN.

PUT method can be used to update the information once it is filled for the first time.

For uploading the file that proves that the user owns the submitted IBAN number you have to do the following request:

HTTP Request

POST /api/v2/public/users/natural/{userId}/iban-file

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/iban-file

The request should be a multipart request with a part called “file”.

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
file	Yes	Multipart request file part	The file should not exceed 50mb size. Supported file formats are png, jpg, jpeg and pdf.

And as response, we would get the following JSON object:


  {
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “fileVersion”: “Jbz2jvozyXXvHrTAm06x2wb0kxVg04Yl”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	UUID	User id
fileVersion	String	File version.

PUT method can be used to update file once it has been uploaded for the first time.

After all information has been validated, the user KYC level is changed to 2.

KYC level 3

In order to reach KYC level 3, users have to provide us with their last year income tax document, and sign a KYC terms document that is automatically created by our Electronic Money Entity when the user reaches KYC level 2. The KYC document contains a summary of the personal information introduced to reach level 2. With the signature of the document, the user confirms that all this data is correct. For these functionalities we have enabled several API endpoints:

KYC document

To download and see the KYC document the client has to do the following request:

HTTP Request

GET /api/v2/public/users/natural/{userId}/kyc-file

In our example, the whole request would be GET /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/kyc-file. The document will only be available if the user is in KYC level 2 or higher.

And as response, we would get the file


  {
  “file”: “{file}”,
  “name”: “kyc.pdf”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
file	File	Kyc file
name	String	Kyc document name

To sign the KYC document, the user has to request a signature code that will be sent to her mobile phone via SMS. Then, she will have to send back the code via API to confirm her signature.

To request the signature code use the following request:

HTTP Request

POST /api/v2/public/users/natural/{userId}/request-kyc-terms-signature

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/request-kyc-terms-signature

As response, you would get the following JSON object:


  {
  “signDate”: “”,
  “signatureId”: “ewiWXPgrnq8aZ9sVd4xd”,
  “situation”: “”,
  “type”: “SMS”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
signDate	Date	Document sign date
signatureId	String	Identification for the signature that will be needed for the confirmation request
situation	String	Signature status
type	String	Signature type

To confirm the KYC document signature:

HTTP Request

POST /api/v2/public/users/natural/{userId}/sign-kyc-terms

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/sign-kyc-terms

With the following information provided as JSON:


  {
  “signCode”: “3tM3WD”,
  “signatureId”: “ewiWXPgrnq8aZ9sVd4xd”
  }

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
signCode	Yes	string	Signature code that the user received via SMS
signatureId	Yes	string	Must be the same as the signatureId received in the request signature response

And as response, we would get the following JSON object:


  {
    “documentsSignedId”: [“axoKPs7xD8mCDVwdtcjk”],
    “signDate”: “2019-09-05T09:46:31.750Z”,
    “signatureId”: “ewiWXPgrnq8aZ9sVd4xd”,
    “situation”: “FIR”,
    “type”: “SMS”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
documentsSignedId	String []	Array of signed documents IDs
signDate	Date	Document sign date
situation	String	Signature status
type	String	Signature type

Income tax

For uploading the income tax file you have to do the following request:

HTTP Request

POST /api/v2/public/users/natural/{userId}/income-tax-file

In our example, the whole request would be POST /api/v2/public/users/natural/91af1cb8-1caa-47d0-8ef8-2c11948baaba/income-tax-file

The request should be a multipart request with a part called “file”.

Where:

Request body parameters

Parameter	Mandatory	Datatype	Description
file	Yes	Multipart request file part	The file should not exceed 50mb size. Supported file formats are png, jpg, jpeg and pdf.

And as response, we would get the following JSON object:


  {
  “id”: “91af1cb8-1caa-47d0-8ef8-2c11948baaba”,
  “fileVersion”: “Jbz2jvozyXXvHrTAm06x2wb0kxVg04Yl”
  }

Where:

HTTP Response parameters

Parameter	Datatype	Description
id	UUID	User id
fileVersion	String	File version.

The PUT method can be used to update the file after it has been uploaded for the first time.

User operations

Introduction

Operations

Create a user

HTTP Request

Request body parameters

HTTP Response parameters

Update a user

HTTP Request

HTTP Request

Get user info

HTTP Request

Get user list

HTTP Request

KYC transitions

KYC level 0

HTTP Request

HTTP Response parameters

HTTP Request

Request body parameters

HTTP Response parameters

KYC level 1

HTTP Request

Request body parameters

HTTP Response parameters

HTTP Request

Request body parameters

HTTP Response parameters

KYC level 2

Home address

HTTP Request

Request body parameters

HTTP Response parameters

Occupation

HTTP Request

Request body parameters

HTTP Response parameters

Income level

HTTP Request

Request body parameters

HTTP Response parameters

External Account

HTTP Request

Request body parameters

HTTP Response parameters

HTTP Request

Request body parameters

HTTP Response parameters

KYC level 3

KYC document

HTTP Request

HTTP Response parameters

HTTP Request

HTTP Response parameters

HTTP Request

Request body parameters

HTTP Response parameters

Income tax

HTTP Request

Request body parameters

HTTP Response parameters

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