Introduction

Once a merchant is registered with Saber, every user belonging to the merchant must also be registered to process transactions. This forms the foundation of all Saber operations, including on-ramp and off-ramp services.

This guide outlines the steps and operations required to manage users within Saber Money’s ecosystem, including creating users, performing KYC, and adding bank accounts for off-ramp purposes.

Overview

To process transactions, two key steps are required:

1. Creating a User: Establishing a user profile within the Saber system.
2. Performing KYC: Verifying the identity of the user.

For Indian users, an additional step of adding a bank account is mandatory for off-ramp transactions.

User Operations

1. Creating a User

A user must be created before any operations can be performed. This involves registering the user in Saber’s system and assigning them a wallet for off-ramp transactions.

• API Call:

  Bash

  curl --location 'https://mudrex.com/api/v1/user/client_user' \
  --header 'X-Timestamp: {{timestamp}}' \
  --header 'X-Client-Id: •••••••' \
  --header 'X-Secret-Key: •••••••' \
  --header 'X-Request-Id: 123456789876' \
  --data-raw '{
      "user_uuid": "77c4562e-ce47-4054-9d4e-4df69ca61ac2",
      "client_user_id": "Abhishek-TestAcc",
      "email": "[email protected]",
      "phone": "8734567891"
  }'
  

• Notes:

  • A user wallet is automatically created upon registration.
  • The wallet is used for off-ramp purposes.

• API Reference: Register User

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2. KYC for a User

KYC is required for all users to enable transaction operations. There are two methods:

• KYC Sharing via API:

  • Merchants independently verify the user's KYC and share the details with Saber for reference.
  • For Indian users, a bank account must be added separately.

• KYC via SDK:

  • Saber automates the entire KYC process, including verification and bank account addition (for Indian users).
  • Recommended for seamless integration.

• Get Started: KYC Sharing \ KYC SDK

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3. Add Bank Account (Indian Banks Only)

For off-ramp services, Indian users must link a bank account. This is automated when using the SDK but must be done manually via the API for KYC Sharing.

• API Call:

  Bash

  curl --location 'https://mudrex.com/api/user_services/v1/user_kyc/v2/bank_account' \
  --header 'X-Timestamp: {{timestamp}}' \
  --header 'X-Client-Id: •••••••' \
  --header 'X-Secret-Key: •••••••' \
  --header 'X-Request-Id: 123456789876' \
  --header 'X-User-Id: •••••••' \
  --data '{
     "bank_account_details": {
          "bank_id": "73cbf6b2-04d0-4caf-b61f-6accfd758f04",
          "ifsc_code": "SBIN0004855",
          "type": "SAVINGS"
      },
      "action": "add"
  }'
  

• API Reference: Add/Delete Bank

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Other User Operations

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Important Notes

1. User Authentication:

   • Ensure all operations are performed using valid authentication tokens and headers.

2. Error Handling:

   • Refer to the respective API documentation for detailed error codes and troubleshooting guidance.

3. Compliance:

   • Only KYC-approved users can perform on-ramp and off-ramp operations.
   • For Indian users, the addition of a valid bank account is mandatory post-KYC.

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Summary

This guide covers the essential steps and APIs to manage users within Saber Money’s infrastructure. By following these processes, merchants can seamlessly onboard users, ensure compliance, and enable transactions. For detailed API references, please refer to the linked documentation pages.