curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers?status=kyc_initiated' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers?include_balances=false' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
{
"success": true,
"data": {
"customers": [
{
"customer_id": "69f0bdf29a84752db9cc8ff9",
"yativo_card_id": "yativo_card_customer_8f9a..._1769031332068",
"external_customer_id": "usr_8821",
"email": "alice@yourapp.com",
"flow_status": "active",
"step": 6,
"next_action": "Card is active — customer can spend",
"safe_deployed": true,
"currency": "USD",
"ledger_balance": 45.23,
"available_balance": 38.50,
"pending_balance": 6.73,
"balance_freshness": "realtime",
"cards_count": 1,
"created_at": "2026-04-20T08:00:00.000Z"
},
{
"customer_id": "6627f3a2c5d4e100123abcde",
"yativo_card_id": "yativo_card_customer_ab12..._1769031332999",
"external_customer_id": "usr_7714",
"email": "bob@yourapp.com",
"flow_status": "kyc_initiated",
"step": 3,
"next_action": "Awaiting KYC verification",
"safe_deployed": false,
"currency": null,
"ledger_balance": null,
"available_balance": null,
"pending_balance": null,
"balance_freshness": null,
"cards_count": 0,
"created_at": "2026-04-25T10:00:00.000Z"
}
],
"total": 87,
"page": 1,
"limit": 20,
"balances_included": true
}
}
{
"success": false,
"error": "NOT_APPROVED",
"message": "Card issuer program not approved"
}
Card Issuer Program
List Card Customers
List all customers onboarded under your card issuer program
GET
/
v1
/
card-issuer
/
customers
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers?status=kyc_initiated' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers?include_balances=false' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
{
"success": true,
"data": {
"customers": [
{
"customer_id": "69f0bdf29a84752db9cc8ff9",
"yativo_card_id": "yativo_card_customer_8f9a..._1769031332068",
"external_customer_id": "usr_8821",
"email": "alice@yourapp.com",
"flow_status": "active",
"step": 6,
"next_action": "Card is active — customer can spend",
"safe_deployed": true,
"currency": "USD",
"ledger_balance": 45.23,
"available_balance": 38.50,
"pending_balance": 6.73,
"balance_freshness": "realtime",
"cards_count": 1,
"created_at": "2026-04-20T08:00:00.000Z"
},
{
"customer_id": "6627f3a2c5d4e100123abcde",
"yativo_card_id": "yativo_card_customer_ab12..._1769031332999",
"external_customer_id": "usr_7714",
"email": "bob@yourapp.com",
"flow_status": "kyc_initiated",
"step": 3,
"next_action": "Awaiting KYC verification",
"safe_deployed": false,
"currency": null,
"ledger_balance": null,
"available_balance": null,
"pending_balance": null,
"balance_freshness": null,
"cards_count": 0,
"created_at": "2026-04-25T10:00:00.000Z"
}
],
"total": 87,
"page": 1,
"limit": 20,
"balances_included": true
}
}
{
"success": false,
"error": "NOT_APPROVED",
"message": "Card issuer program not approved"
}
Card customers are separate from WaaS customers. This endpoint returns all customer card records regardless of onboarding stage. For wallet sub-accounts (crypto deposits/withdrawals/transfers), see WaaS Customers.
string
required
Bearer token:
Bearer YOUR_ACCESS_TOKENinteger
Page number. Defaults to
1.integer
Results per page. Defaults to
20, max 100.string
Filter by onboarding status. One of:
otp_requested, otp_verified, kyc_initiated,
kyc_completed, card_created, active.boolean
Include balance fields for each customer’s account wallet. Defaults to
true. Pass false for faster responses when balances are not needed.curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers?status=kyc_initiated' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
curl -X GET 'https://crypto-api.yativo.com/api/v1/card-issuer/customers?include_balances=false' \
-H 'Authorization: Bearer YOUR_ACCESS_TOKEN'
{
"success": true,
"data": {
"customers": [
{
"customer_id": "69f0bdf29a84752db9cc8ff9",
"yativo_card_id": "yativo_card_customer_8f9a..._1769031332068",
"external_customer_id": "usr_8821",
"email": "alice@yourapp.com",
"flow_status": "active",
"step": 6,
"next_action": "Card is active — customer can spend",
"safe_deployed": true,
"currency": "USD",
"ledger_balance": 45.23,
"available_balance": 38.50,
"pending_balance": 6.73,
"balance_freshness": "realtime",
"cards_count": 1,
"created_at": "2026-04-20T08:00:00.000Z"
},
{
"customer_id": "6627f3a2c5d4e100123abcde",
"yativo_card_id": "yativo_card_customer_ab12..._1769031332999",
"external_customer_id": "usr_7714",
"email": "bob@yourapp.com",
"flow_status": "kyc_initiated",
"step": 3,
"next_action": "Awaiting KYC verification",
"safe_deployed": false,
"currency": null,
"ledger_balance": null,
"available_balance": null,
"pending_balance": null,
"balance_freshness": null,
"cards_count": 0,
"created_at": "2026-04-25T10:00:00.000Z"
}
],
"total": 87,
"page": 1,
"limit": 20,
"balances_included": true
}
}
{
"success": false,
"error": "NOT_APPROVED",
"message": "Card issuer program not approved"
}
Balance fields
Each customer object includes three balance fields (allnull when the wallet is not deployed or include_balances=false):
| Field | Description |
|---|---|
ledger_balance | Total token balance in the customer’s account wallet |
available_balance | Spendable balance after deducting pending authorizations |
pending_balance | Amount held for authorized but not yet settled transactions |
balance_freshness | "realtime" when sourced from live card notifications, "on_chain" when fetched directly from the blockchain |
available_balance equals ledger_balance since pending information is not available from the chain alone.
Onboarding stages
flow_status | step | next_action |
|---|---|---|
otp_requested | 1 | Customer must verify the OTP sent to their email |
otp_verified | 2 | Complete KYC — call the kyc-link endpoint |
kyc_initiated | 3 | Awaiting KYC verification |
kyc_completed | 4 | Submit source-of-funds questionnaire |
safe_deploying | 5 | Account wallet is being deployed — wait a few minutes |
card_created / active | 6 | Card is active — customer can spend |
Using customer identifiers
Theid field is the canonical identifier for a customer card record. You can also use yativo_card_id, external_customer_id, or email interchangeably in endpoints that accept a customer identifier (e.g. Fund Customer, Look Up Customer).
Customers with safe_deployed: false cannot be funded yet — the account wallet deploys automatically once KYC is approved.