curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers/yativo_card_customer_8f9a...' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers/usr_8821' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
{
"success": true,
"data": {
"yativo_card_id": "yativo_card_customer_8f9a..._1769031332068",
"external_id": "usr_8821",
"email": "priya@yourapp.com",
"flow_status": "active",
"step": 6,
"next_action": "Card is active — customer can spend",
"kyc_status": "approved",
"currency": "EUR",
"safe_deployed": true,
"ledger_balance": 145.50,
"ledger_balance_minor": 14550,
"available_balance": 132.00,
"available_balance_minor": 13200,
"pending_balance": 13.50,
"pending_balance_minor": 1350,
"balance_freshness": "realtime",
"balance_updated_at": "2026-05-12T14:30:00.000Z",
"cards_count": 2,
"pin_set": true,
"cards": [
{
"card_id": "afeb85fe-02f8-48da-b61e-84ad02704167",
"last_four": "4242",
"card_type": "virtual",
"status": "active",
"is_frozen": false,
"is_lost": false,
"is_stolen": false,
"is_blocked": false,
"is_void": false,
"pin_set": true,
"activated_at": "2026-04-25T12:00:00.000Z",
"created_at": "2026-04-25T10:00:00.000Z"
},
{
"card_id": "b3c19f2e-14a7-41bc-9e2d-93bf14815028",
"last_four": "9876",
"card_type": "virtual",
"status": "frozen",
"is_frozen": true,
"is_lost": false,
"is_stolen": false,
"is_blocked": false,
"is_void": false,
"pin_set": true,
"activated_at": "2026-05-01T08:00:00.000Z",
"created_at": "2026-05-01T07:45:00.000Z"
}
],
"created_at": "2026-04-25T10:00:00.000Z"
}
}
{
"success": true,
"data": {
"yativo_card_id": "yativo_card_customer_ab12..._1769031332999",
"external_id": "usr_7714",
"email": "bob@yourapp.com",
"flow_status": "kyc_initiated",
"step": 3,
"next_action": "Awaiting KYC verification",
"kyc_status": "pending_review",
"currency": null,
"safe_deployed": false,
"ledger_balance": null,
"ledger_balance_minor": null,
"available_balance": null,
"available_balance_minor": null,
"pending_balance": null,
"pending_balance_minor": null,
"balance_freshness": null,
"balance_updated_at": null,
"cards_count": 0,
"cards": [],
"created_at": "2026-04-28T09:00:00.000Z"
}
}
{
"success": false,
"error": "CUSTOMER_NOT_FOUND"
}
{
"success": false,
"error": "NOT_APPROVED"
}
Card Issuer Program
Get Customer
Return the full customer record — balance, KYC status, and all card details
GET
/
v1
/
card-issuer
/
customers
/
{customerId}
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers/yativo_card_customer_8f9a...' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers/usr_8821' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
{
"success": true,
"data": {
"yativo_card_id": "yativo_card_customer_8f9a..._1769031332068",
"external_id": "usr_8821",
"email": "priya@yourapp.com",
"flow_status": "active",
"step": 6,
"next_action": "Card is active — customer can spend",
"kyc_status": "approved",
"currency": "EUR",
"safe_deployed": true,
"ledger_balance": 145.50,
"ledger_balance_minor": 14550,
"available_balance": 132.00,
"available_balance_minor": 13200,
"pending_balance": 13.50,
"pending_balance_minor": 1350,
"balance_freshness": "realtime",
"balance_updated_at": "2026-05-12T14:30:00.000Z",
"cards_count": 2,
"pin_set": true,
"cards": [
{
"card_id": "afeb85fe-02f8-48da-b61e-84ad02704167",
"last_four": "4242",
"card_type": "virtual",
"status": "active",
"is_frozen": false,
"is_lost": false,
"is_stolen": false,
"is_blocked": false,
"is_void": false,
"pin_set": true,
"activated_at": "2026-04-25T12:00:00.000Z",
"created_at": "2026-04-25T10:00:00.000Z"
},
{
"card_id": "b3c19f2e-14a7-41bc-9e2d-93bf14815028",
"last_four": "9876",
"card_type": "virtual",
"status": "frozen",
"is_frozen": true,
"is_lost": false,
"is_stolen": false,
"is_blocked": false,
"is_void": false,
"pin_set": true,
"activated_at": "2026-05-01T08:00:00.000Z",
"created_at": "2026-05-01T07:45:00.000Z"
}
],
"created_at": "2026-04-25T10:00:00.000Z"
}
}
{
"success": true,
"data": {
"yativo_card_id": "yativo_card_customer_ab12..._1769031332999",
"external_id": "usr_7714",
"email": "bob@yourapp.com",
"flow_status": "kyc_initiated",
"step": 3,
"next_action": "Awaiting KYC verification",
"kyc_status": "pending_review",
"currency": null,
"safe_deployed": false,
"ledger_balance": null,
"ledger_balance_minor": null,
"available_balance": null,
"available_balance_minor": null,
"pending_balance": null,
"pending_balance_minor": null,
"balance_freshness": null,
"balance_updated_at": null,
"cards_count": 0,
"cards": [],
"created_at": "2026-04-28T09:00:00.000Z"
}
}
{
"success": false,
"error": "CUSTOMER_NOT_FOUND"
}
{
"success": false,
"error": "NOT_APPROVED"
}
string
required
Bearer token:
Bearer YOUR_ACCESS_TOKENstring
required
Customer identifier — accepts
yativo_card_id, MongoDB _id, or external_customer_id.curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers/yativo_card_customer_8f9a...' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers/usr_8821' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
{
"success": true,
"data": {
"yativo_card_id": "yativo_card_customer_8f9a..._1769031332068",
"external_id": "usr_8821",
"email": "priya@yourapp.com",
"flow_status": "active",
"step": 6,
"next_action": "Card is active — customer can spend",
"kyc_status": "approved",
"currency": "EUR",
"safe_deployed": true,
"ledger_balance": 145.50,
"ledger_balance_minor": 14550,
"available_balance": 132.00,
"available_balance_minor": 13200,
"pending_balance": 13.50,
"pending_balance_minor": 1350,
"balance_freshness": "realtime",
"balance_updated_at": "2026-05-12T14:30:00.000Z",
"cards_count": 2,
"pin_set": true,
"cards": [
{
"card_id": "afeb85fe-02f8-48da-b61e-84ad02704167",
"last_four": "4242",
"card_type": "virtual",
"status": "active",
"is_frozen": false,
"is_lost": false,
"is_stolen": false,
"is_blocked": false,
"is_void": false,
"pin_set": true,
"activated_at": "2026-04-25T12:00:00.000Z",
"created_at": "2026-04-25T10:00:00.000Z"
},
{
"card_id": "b3c19f2e-14a7-41bc-9e2d-93bf14815028",
"last_four": "9876",
"card_type": "virtual",
"status": "frozen",
"is_frozen": true,
"is_lost": false,
"is_stolen": false,
"is_blocked": false,
"is_void": false,
"pin_set": true,
"activated_at": "2026-05-01T08:00:00.000Z",
"created_at": "2026-05-01T07:45:00.000Z"
}
],
"created_at": "2026-04-25T10:00:00.000Z"
}
}
{
"success": true,
"data": {
"yativo_card_id": "yativo_card_customer_ab12..._1769031332999",
"external_id": "usr_7714",
"email": "bob@yourapp.com",
"flow_status": "kyc_initiated",
"step": 3,
"next_action": "Awaiting KYC verification",
"kyc_status": "pending_review",
"currency": null,
"safe_deployed": false,
"ledger_balance": null,
"ledger_balance_minor": null,
"available_balance": null,
"available_balance_minor": null,
"pending_balance": null,
"pending_balance_minor": null,
"balance_freshness": null,
"balance_updated_at": null,
"cards_count": 0,
"cards": [],
"created_at": "2026-04-28T09:00:00.000Z"
}
}
{
"success": false,
"error": "CUSTOMER_NOT_FOUND"
}
{
"success": false,
"error": "NOT_APPROVED"
}
Customer fields
| Field | Description |
|---|---|
yativo_card_id | Yativo’s canonical customer identifier |
external_id | Your own reference ID supplied at onboarding |
email | Customer email |
flow_status | Onboarding stage — see onboarding stages |
step | Numeric step (1–6) |
next_action | What needs to happen next for this customer |
kyc_status | pending, in_progress, pending_review, approved, rejected, or expired |
currency | Card currency (USD, EUR, GBP) — null until a region is assigned during KYC |
safe_deployed | Whether the customer’s account wallet has been deployed |
Balance fields
Balance is wallet-level — all cards issued to a customer share the same balance. Fields arenull until the account wallet is deployed.
Values are returned as both a decimal float and an integer in minor units (cents) — e.g. $145.50 → ledger_balance: 145.50, ledger_balance_minor: 14550.
Balances are kept current by two mechanisms: instant updates from live card network notifications, and a background reconciliation job that re-checks any balance not updated within 2 hours directly against the on-chain token balance. You do not need to poll this endpoint — subscribe to customer.balance.updated webhooks instead.
| Field | Type | Description |
|---|---|---|
ledger_balance | float | null | Total token balance in the customer’s account wallet |
ledger_balance_minor | integer | null | ledger_balance in minor units (cents) |
available_balance | float | null | Spendable balance after deducting pending authorizations |
available_balance_minor | integer | null | available_balance in minor units (cents) |
pending_balance | float | null | Amount held for authorized but not yet settled transactions |
pending_balance_minor | integer | null | pending_balance in minor units (cents) |
balance_freshness | string | null | "realtime" — from live card notifications; "on_chain" — fetched from blockchain (no pending info) |
balance_updated_at | string | null | ISO 8601 timestamp of the last balance notification (null for on-chain fallback) |
Card fields
Each object incards represents one card issued to this customer. Full card numbers and CVVs are never returned.
| Field | Description |
|---|---|
card_id | Card account identifier. Note: webhook events carry a separate card_id that is the card token — use yativo_card_id to correlate across both. |
last_four | Last four digits of the card number |
card_type | virtual or physical |
status | active, frozen, blocked, lost, or voided |
is_frozen | Card is temporarily frozen |
is_lost | Card reported lost |
is_stolen | Card reported stolen (treated as permanently voided) |
is_blocked | Card blocked by program or compliance |
is_void | Card permanently disabled |
activated_at | When the card was first activated |
created_at | When the card was issued |
To retrieve this customer’s transaction history use Customer Card Transactions. To fund the customer use Fund Customer.
⌘I