curl -X POST 'https://crypto-api.yativo.com/api/v1/yativo-card/customers/onboard' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "email": "customer@example.com",
    "external_customer_id": "usr_8821"
  }'

const response = await fetch(
  'https://crypto-api.yativo.com/api/v1/yativo-card/customers/onboard',
  {
    method: 'POST',
    headers: {
      Authorization: 'Bearer YOUR_ACCESS_TOKEN',
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({
      email: 'customer@example.com',
      external_customer_id: 'usr_8821',
    }),
  }
);
const data = await response.json();
// data.data.yativo_card_id — save this for all subsequent calls

{
  "success": true,
  "message": "Customer card onboarding initiated. Verification code sent to customer email.",
  "data": {
    "yativo_card_id": "yativo_card_customer_8f9a2b3c4d5e6f7a8b9c0d1e_1769031332068",
    "customer_id": "6627f3a2c5d4e100123abcde",
    "external_customer_id": "usr_8821",
    "email_masked": "cu***@example.com",
    "next_step": "verify_otp",
    "otp_expires_in_seconds": 600
  }
}

{
  "success": false,
  "error_code": "INVALID_EMAIL",
  "message": "Valid customer email is required"
}

{
  "success": false,
  "error_code": "ISSUER_EMAIL_NOT_ALLOWED",
  "message": "You cannot use your own account email as a customer email. Use a different email for this customer."
}

{
  "success": false,
  "error_code": "EMAIL_ALREADY_IN_USE",
  "message": "This email is already associated with your personal card. Each card must use a unique email address.",
  "data": {
    "account_type": "user",
    "flow_status": "card_created"
  }
}

{
  "success": false,
  "error_code": "CUSTOMER_CARD_ALREADY_ACTIVE",
  "message": "A customer card with this email already exists. Use the returned card ID to continue onboarding.",
  "data": {
    "yativo_card_id": "yativo_card_customer_8f9a2b3c4d5e6f7a8b9c0d1e_1769031332068",
    "flow_status": "otp_verified",
    "next_step": "kyc_link",
    "external_customer_id": "usr_8821"
  }
}

{
  "success": false,
  "error_code": "CUSTOMER_CARD_ALREADY_ACTIVE",
  "message": "Customer card onboarding already in progress",
  "data": {
    "yativo_card_id": "yativo_card_customer_8f9a2b3c4d5e6f7a8b9c0d1e_1769031332068",
    "flow_status": "otp_requested",
    "next_step": "verify_otp"
  }
}

{
  "success": false,
  "error_code": "CUSTOMER_ALREADY_ONBOARDED",
  "message": "This customer has already completed card onboarding. No further action is needed.",
  "data": {
    "yativo_card_id": "yativo_card_customer_8f9a2b3c4d5e6f7a8b9c0d1e_1769031332068",
    "flow_status": "active",
    "external_customer_id": "usr_8821",
    "next_step": "none"
  }
}