Virtual Wallets API

x-api-key: <your-api-key>
x-timestamp: <RFC3339-timestamp>
x-signature: <HMAC-signature>

{
  "user_id": "123e4567-e89b-12d3-a456-426614174000",
  "currency": "CAD"
}

{
  "message": "Customer onboarding completed successfully",
  "currency": "CAD",
  "user_id": "123e4567-e89b-12d3-a456-426614174000"
}

{
  "error": "user is yet to complete kyc"
}

{
  "error": "no kyc record for id provided"
}

{
  "error": "invalid currency"
}

curl -X POST https://api.sznd.app/api/v1/client/virtual-wallets \
  -H "Content-Type: application/json" \
  -H "x-api-key: your_api_key_here" \
  -H "x-timestamp: 2025-01-30T12:20:15Z" \
  -H "x-signature: generated_signature_here" \
  -d '{
    "user_id": "123e4567-e89b-12d3-a456-426614174000",
    "currency": "CAD"
  }'

const crypto = require('crypto');
 
async function onboardVirtualWallet(userId, currency) {
  const apiKey = 'your_api_key_here';
  const secretKey = 'your_secret_key_here';
  const timestamp = new Date().toISOString();
  
  const body = JSON.stringify({
    user_id: userId,
    currency: currency
  });
  
  // Generate HMAC signature
  const dataToSign = `${body}|${timestamp}`;
  const signature = crypto
    .createHmac('sha256', secretKey)
    .update(dataToSign)
    .digest('hex');
  
  const response = await fetch('https://api.sznd.app/api/v1/client/virtual-wallets', {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
      'x-api-key': apiKey,
      'x-timestamp': timestamp,
      'x-signature': signature
    },
    body: body
  });
  
  return await response.json();
}
 
// Usage
const result = await onboardVirtualWallet(
  '123e4567-e89b-12d3-a456-426614174000',
  'CAD'
);
console.log(result);

x-api-key: <your-api-key>
x-timestamp: <RFC3339-timestamp>
x-signature: <HMAC-signature>

{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "user_id": "123e4567-e89b-12d3-a456-426614174000",
  "currency": "CAD",
  "currency_name": "Canadian Dollar",
  "status": "ACTIVE",
  "created_at": "2025-01-30T10:00:00Z",
  "updated_at": "2025-01-30T10:00:00Z",
  "bank_account_details": {
    "account_number": "1234567890",
    "account_name": "John Doe",
    "bank_name": "Example Bank",
    "bank_code": "001",
    "iban": "CA12345678901234567890",
    "swift": "EXAMCA01",
    "sort_code": "12-34-56",
    "routing_number": "123456789",
    "country": "CA",
    "currency": "CAD",
    "account_type": "CHECKING",
    "email": "customer@example.com",
    "bank_address": "123 Main St, Toronto, ON",
    "payment_rail": "ACH",
    "payment_rails": ["ACH", "WIRE"]
  }
}

{
  "error": "user_id query parameter is required"
}

{
  "error": "currency query parameter is required"
}

{
  "error": "invalid currency. Supported currencies: CAD, USD, EUR, GBP"
}

{
  "error": "virtual wallet not found for the specified user and currency"
}

{
  "error": "customer does not belong to your business"
}

curl -X GET "https://api.sznd.app/api/v1/client/virtual-wallets?user_id=123e4567-e89b-12d3-a456-426614174000&currency=CAD" \
  -H "x-api-key: your_api_key_here" \
  -H "x-timestamp: 2025-01-30T12:20:15Z" \
  -H "x-signature: generated_signature_here"

const crypto = require('crypto');
 
async function getVirtualWalletDetails(userId, currency) {
  const apiKey = 'your_api_key_here';
  const secretKey = 'your_secret_key_here';
  const timestamp = new Date().toISOString();
  
  const queryParams = `user_id=${userId}&currency=${currency}`;
  const url = `https://api.sznd.app/api/v1/client/virtual-wallets?${queryParams}`;
  
  // Generate HMAC signature for GET request
  // Note: For GET requests, sign the query string and timestamp
  const dataToSign = `${queryParams}|${timestamp}`;
  const signature = crypto
    .createHmac('sha256', secretKey)
    .update(dataToSign)
    .digest('hex');
  
  const response = await fetch(url, {
    method: 'GET',
    headers: {
      'x-api-key': apiKey,
      'x-timestamp': timestamp,
      'x-signature': signature
    }
  });
  
  return await response.json();
}
 
// Usage - Call after 24 hours or when webhook is received
const walletDetails = await getVirtualWalletDetails(
  '123e4567-e89b-12d3-a456-426614174000',
  'CAD'
);
console.log('Virtual Wallet Details:', walletDetails);
console.log('Account Number:', walletDetails.bank_account_details.account_number);

┌─────────────────────────────────────────────────────────────────┐
│                    Virtual Wallet Onboarding Flow               │
├─────────────────────────────────────────────────────────────────┤
│                                                                 │
│  1. Register Customer                                           │
│     POST /api/v1/client/customers                               │
│     └─> Returns user_id                                         │
│                                                                 │
│  2. Complete KYC Verification                                   │
│     POST /api/v1/client/customers/kyc                           │
│     └─> Customer completes KYC verification                     │
│                                                                 │
│  3. Onboard to Virtual Wallet                                   │
│     POST /api/v1/client/virtual-wallets                         │
│     └─> Initiates virtual wallet creation process                │
│                                                                 │
│  4. Wait for Processing (24 hours)                              │
│     └─> Virtual wallet setup is processed asynchronously        │
│     └─> Webhook notification sent when ready                    │
│                                                                 │
│  5. Retrieve Virtual Wallet Details                            │
│     GET /api/v1/client/virtual-wallets?user_id=...&currency=... │
│     └─> Returns bank account details and virtual account info    │
│                                                                 │
│  6. Customer Receives Virtual Account                           │
│     └─> Virtual account number available                        │
│     └─> Customer can receive deposits via bank transfer          │
│                                                                 │
│  7. Funds Available in Wallet                                   │
│     └─> Incoming transfers credited automatically               │
│     └─> Check balance via GET /api/v1/users/{id}/wallets        │
│                                                                 │
└─────────────────────────────────────────────────────────────────┘

curl -X POST https://api.sznd.app/api/v1/client/customers \
  -H "Content-Type: application/json" \
  -H "x-api-key: your_api_key_here" \
  -H "x-timestamp: 2025-01-30T12:20:15Z" \
  -H "x-signature: generated_signature_here" \
  -d '{
    "email": "customer@example.com",
    "first_name": "John",
    "last_name": "Doe",
    "phone_number": "+1234567890",
    "country_code": "CA",
    "date_of_birth": "1990-05-15"
  }'

curl -X POST https://api.sznd.app/api/v1/client/virtual-wallets \
  -H "Content-Type: application/json" \
  -H "x-api-key: your_api_key_here" \
  -H "x-timestamp: 2025-01-30T12:20:15Z" \
  -H "x-signature: generated_signature_here" \
  -d '{
    "user_id": "123e4567-e89b-12d3-a456-426614174000",
    "currency": "CAD"
  }'

curl -X GET "https://api.sznd.app/api/v1/client/virtual-wallets?user_id=123e4567-e89b-12d3-a456-426614174000&currency=CAD" \
  -H "x-api-key: your_api_key_here" \
  -H "x-timestamp: 2025-01-30T12:20:15Z" \
  -H "x-signature: generated_signature_here"