Card Issuer Program

TypeScript Type Definitions

interface IssuerProgram {
  program_id: string;
  status: "pending" | "approved" | "active" | "suspended";
  funding_structure: "crypto" | "fiat";
  iban_enabled: boolean;
  created_at: string;
}

Overview

The Yativo Card Issuer Program allows businesses to issue virtual and physical payment cards to their own customers. As an issuer, you manage the full card lifecycle for your users — from KYC onboarding to card creation, funding, and transaction monitoring — all through a single API. Typical use cases:

Fintech apps offering crypto-funded debit cards to users
Corporate expense management platforms
Digital banking services for underserved markets
Wallets that want to add a card spending layer

Apply for the Issuer Program

Submit an application to become a Yativo Card Issuer.

POST /card-issuer/apply

funding_structure

string

required

How your program will be funded. Accepted values: pre_funded (you fund the issuer wallet and distribute to customers), customer_funded (customers fund their own wallets directly).

iban_enabled

boolean

Whether you want IBAN functionality enabled for your customers. Defaults to false. IBAN enablement may require additional regulatory review.

business_name

string

required

Your legal business name.

business_email

string

required

Business contact email for program communications.

expected_monthly_cards

integer

Estimated number of cards you plan to issue per month. Helps with capacity planning.

curl -X POST 'https://crypto-api.yativo.com/api/card-issuer/apply' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
    "funding_structure": "pre_funded",
    "iban_enabled": true,
    "business_name": "Acme Payments Ltd",
    "business_email": "cards@acme.example.com",
    "expected_monthly_cards": 500
  }'

{
  "status": "success",
  "data": {
    "application_id": "iss_app_01HX9KZMB3F7VNQP8R2WDGT111",
    "status": "under_review",
    "submitted_at": "2026-03-25T19:00:00Z",
    "estimated_review_days": 5
  }
}

Get Program Status

Check the status of your issuer program application and view program details once approved.

GET /card-issuer/my-program

curl -X GET 'https://crypto-api.yativo.com/api/card-issuer/my-program' \
  -H 'Authorization: Bearer YOUR_API_KEY'

{
  "status": "success",
  "data": {
    "issuer_id": "iss_01HX9KZMB3F7VNQP8R2WDGT222",
    "business_name": "Acme Payments Ltd",
    "program_status": "active",
    "funding_structure": "pre_funded",
    "iban_enabled": true,
    "approved_at": "2026-03-30T10:00:00Z",
    "total_customers": 127,
    "total_cards_issued": 134
  }
}

Get Issuer Wallets

Retrieve the funding wallets associated with your issuer account. Use these wallets to pre-fund your program.

GET /card-issuer/wallets

curl -X GET 'https://crypto-api.yativo.com/api/card-issuer/wallets' \
  -H 'Authorization: Bearer YOUR_API_KEY'

{
  "status": "success",
  "data": {
    "issuer_id": "iss_01HX9KZMB3F7VNQP8R2WDGT222",
    "wallets": [
      {
        "wallet_id": "isswlt_01HX9KZMB3F7VNQP8R2WDGT333",
        "chain": "solana",
        "token": "USDC",
        "address": "9gHp7qLmKv3xFjNw4aBcYhUeT8sGkZoP2iMnDuWr5Cx",
        "balance": 5000.00,
        "currency": "USD"
      }
    ]
  }
}

List Issuer Customers

Retrieve a paginated list of all customers enrolled under your issuer program.

GET /card-issuer/customers

page

integer

Page number (1-indexed). Default: 1.

limit

integer

Customers per page. Default: 20. Max: 100.

curl -X GET 'https://crypto-api.yativo.com/api/card-issuer/customers?page=1&limit=20' \
  -H 'Authorization: Bearer YOUR_API_KEY'

{
  "status": "success",
  "data": {
    "customers": [
      {
        "customer_id": "yc_customer_01HX9KZMB3F7",
        "email": "customer@example.com",
        "first_name": "John",
        "last_name": "Smith",
        "kyc_status": "approved",
        "cards_issued": 2,
        "created_at": "2026-03-10T09:00:00Z"
      }
    ],
    "total": 127,
    "page": 1,
    "limit": 20
  }
}

Fund a Customer’s Card Wallet

Transfer funds from your issuer wallet to a customer’s card wallet.

POST /card-issuer/customers/{customerId}/fund

customerId

string

required

The customer’s Yativo Card account ID.

amount

number

required

Amount to transfer in USD.

source_chain

string

required

The chain from which to source the funds. Accepted values: solana.

pricing_mode

string

How the transfer amount is interpreted. Accepted values: exact (transfer exactly this amount), net (customer receives this amount after fees). Default: exact.

curl -X POST 'https://crypto-api.yativo.com/api/card-issuer/customers/yc_customer_01HX9KZMB3F7/fund' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
    "amount": 100.00,
    "source_chain": "solana",
    "pricing_mode": "net"
  }'

{
  "status": "success",
  "data": {
    "funding_id": "fund_01HX9KZMB3F7VNQP8R2WDGT444",
    "customer_id": "yc_customer_01HX9KZMB3F7",
    "amount_sent": 100.25,
    "amount_received": 100.00,
    "fee": 0.25,
    "currency": "USD",
    "status": "completed",
    "funded_at": "2026-03-25T20:00:00Z"
  }
}

Customer Card Operations

List Customer Cards

GET /yativo-card/customers/{customerId}/cards

curl -X GET 'https://crypto-api.yativo.com/api/yativo-card/customers/yc_customer_01HX9KZMB3F7/cards' \
  -H 'Authorization: Bearer YOUR_API_KEY'

Create a Card for a Customer

POST /yativo-card/customers/{customerId}/create-card

customerId

string

required

The customer’s Yativo Card account ID.

card_type

string

required

Card type: "virtual" or "physical".

display_name

string

required

A label for the card.

spending_limit_amount

number

Optional spending limit for this card.

spending_limit_frequency

string

Limit frequency: daily, weekly, monthly, per_authorization.

curl -X POST 'https://crypto-api.yativo.com/api/yativo-card/customers/yc_customer_01HX9KZMB3F7/create-card' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
    "card_type": "virtual",
    "display_name": "Customer Virtual Card",
    "spending_limit_amount": 250.00,
    "spending_limit_frequency": "monthly"
  }'

Get Customer Card Sensitive Details (Ephemeral Token)

POST /yativo-card/customers/{yativoCardId}/cards/{cardId}/ephemeral-token

curl -X POST 'https://crypto-api.yativo.com/api/yativo-card/customers/yc_customer_01HX9KZMB3F7/cards/card_01HX9KZMB3F7VNQP8R2WDGT4E5/ephemeral-token' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{}'

Get Customer Profile

GET /yativo-card/customers/{yativoCardId}/profile

curl -X GET 'https://crypto-api.yativo.com/api/yativo-card/customers/yc_customer_01HX9KZMB3F7/profile' \
  -H 'Authorization: Bearer YOUR_API_KEY'

Customer Webhooks

Subscribe to real-time events for a specific customer account. This allows you to react instantly to card transactions, balance changes, and other events without polling.

POST /yativo-card/{yativoCardId}/webhooks/subscribe

yativoCardId

string

required

The customer’s Yativo Card account ID.

url

string

required

The HTTPS URL that will receive webhook events.

events

array

required

An array of event types to subscribe to. Example: ["transaction.completed", "card.frozen", "balance.updated"].

curl -X POST 'https://crypto-api.yativo.com/api/yativo-card/yc_customer_01HX9KZMB3F7/webhooks/subscribe' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
    "url": "https://your-platform.example.com/webhooks/card-events",
    "events": ["transaction.completed", "transaction.failed", "card.frozen", "balance.updated", "deposit.credited"]
  }'

{
  "status": "success",
  "data": {
    "subscription_id": "wsub_01HX9KZMB3F7VNQP8R2WDGT666",
    "yativo_card_id": "yc_customer_01HX9KZMB3F7",
    "url": "https://your-platform.example.com/webhooks/card-events",
    "events": ["transaction.completed", "transaction.failed", "card.frozen", "balance.updated", "deposit.credited"],
    "created_at": "2026-03-25T20:30:00Z"
  }
}

Unsubscribe from Webhooks

DELETE /yativo-card/{yativoCardId}/webhooks/subscribe/{subscriptionId}

curl -X DELETE 'https://crypto-api.yativo.com/api/yativo-card/yc_customer_01HX9KZMB3F7/webhooks/subscribe/wsub_01HX9KZMB3F7VNQP8R2WDGT666' \
  -H 'Authorization: Bearer YOUR_API_KEY'

Available Webhook Events

Event	Description
`transaction.completed`	A card transaction has settled successfully.
`transaction.failed`	A card transaction was declined or failed.
`transaction.reversed`	A transaction has been reversed or refunded.
`card.created`	A new card has been issued.
`card.frozen`	A card has been frozen.
`card.unfrozen`	A card has been unfrozen.
`card.voided`	A card has been permanently cancelled.
`balance.updated`	The card wallet balance has changed.
`deposit.credited`	A crypto deposit has been processed and credited.
`deposit.failed`	A deposit could not be processed.
`kyc.approved`	A customer’s KYC has been approved.
`kyc.rejected`	A customer’s KYC has been rejected.

Issuer Program Summary

Apply for Program

POST /card-issuer/apply Submit your issuer application.

Check Program Status

GET /card-issuer/my-program View approval status and program details.

Fund Customers

POST /card-issuer/customers/{id}/fund Transfer funds to customer card wallets.

Manage Customer Cards

POST /yativo-card/customers/{id}/create-card Create and manage cards for your customers.

Issuer program approval typically takes 3–7 business days. You will be notified by email when your application is reviewed. Contact partners@yativo.com for expedited review.

Overview

Wallets & Assets

Transactions

Yativo Card

IBAN

B2B

Developer Tools

Card Issuer Program

Overview

Apply for the Issuer Program

Get Program Status

Get Issuer Wallets

List Issuer Customers

Fund a Customer’s Card Wallet

Customer Card Operations

List Customer Cards

Create a Card for a Customer

Get Customer Card Sensitive Details (Ephemeral Token)

Get Customer Profile

Customer Webhooks

Unsubscribe from Webhooks

Available Webhook Events

Issuer Program Summary

Apply for Program

Check Program Status

Fund Customers

Manage Customer Cards

Overview

Wallets & Assets

Transactions

Yativo Card

IBAN

B2B

Developer Tools

​Overview

​Apply for the Issuer Program

​Get Program Status

​Get Issuer Wallets

​List Issuer Customers

​Fund a Customer’s Card Wallet

​Customer Card Operations

​List Customer Cards

​Create a Card for a Customer

​Get Customer Card Sensitive Details (Ephemeral Token)

​Get Customer Profile

​Customer Webhooks

​Subscribe to Webhooks

​Unsubscribe from Webhooks

​Available Webhook Events

​Issuer Program Summary

Apply for Program

Check Program Status

Fund Customers

Manage Customer Cards

Overview

Apply for the Issuer Program

Get Program Status

Get Issuer Wallets

List Issuer Customers

Fund a Customer’s Card Wallet

Customer Card Operations

List Customer Cards

Create a Card for a Customer

Get Customer Card Sensitive Details (Ephemeral Token)

Get Customer Profile

Customer Webhooks

Subscribe to Webhooks

Unsubscribe from Webhooks

Available Webhook Events

Issuer Program Summary