Create a new user

POST https://api.balampay.com/sandbox/v1/users

Create a new user (individual or business) in the system.

Automatic Verification: When a user is created with all required fields, Kira automatically triggers identity verification (KYC/KYB) in the background:

1. No additional API calls needed - Verification starts automatically
2. Faster onboarding - Users don't need to complete a separate verification step
3. Webhook notifications - You'll receive user.verification.accepted or user.verification.failed events

The response includes a verification_triggered field indicating whether automatic verification was started.

Required Fields for Automatic Verification:

Individual Users (USA):

• first_name, last_name, birth_date, email, phone, nationality, gender
• address_street, address_city, address_state, address_zip_code, address_country
• document_type, document_number, document_country
• identifying_information with type 'ssn' (or 'tax_id' for international)
• identifying_information with Government ID + front document
• identifying_information with file_proof_of_address
• source_of_funds, account_purpose, employment_status, occupation, pep_status

Business Users (USA):

• business_legal_name, doing_business_as, business_type, business_industry, email, phone
• formation_date, formation_state
• address_street, address_city, address_state, address_zip_code, address_country
• document_type, document_number, document_country
• ein (or tax_id via identifying_information for international)
• representative_first_name, representative_last_name, representative_title, representative_birth_date, representative_ssn (USA)
• business_description, business_website
• source_of_funds, account_purpose, pep_status
• identifying_information with file_proof_of_address and file_business_formation
• associated_persons with Government ID + front document

Authentication: Both x-api-key header and Authorization: Bearer <token> header are required.