User Creation

Every user belonging to a merchant must be registered in Saber before they can transact — this is the foundation for all onramp and offramp operations. Two steps are required to process transactions: creating a user and completing KYC. Some flows also require adding a bank account.

1. Creating a User

Registers the user in Saber and assigns them a wallet for offramp.

curl --location 'https://api.saber.money/api/v2/user' \
--header 'X-Timestamp: {{timestamp}}' \
--header 'X-Api-Key: •••••••' \
--header 'X-Signature: •••••••' \
--header 'X-Request-Id: 123456789876' \
--data-raw '{
    "user_uuid": "77c4562e-ce47-4054-9d4e-4df69ca61ac2",
    "client_user_id": "Test ACcount",
    "email": "kk@mail1.com", 
    "phone": "+918734567891" // E.164 format "+" + country_code + number
}'

Email and phone are required depending on your client registration config. The wallet is created automatically. API Reference: Register User

2. KYC for a User

Required before any transaction. Three methods, depending on your flow:

KYC Sharing via API: You verify the user yourself and share the approved details with Saber. A bank account may still need to be added separately.
KYC via Web Widget: Saber handles verification and bank account addition end-to-end — recommended for a seamless integration.
KYC via Partner URL: Required for certain flows that mandate partner KYC — see the KYC section for details.

Get started: KYC Sharing · KYC SDK

3. Add Bank Account

Required for most onramp/offramp flows. Three ways to add one:

API endpoint — for INR, EUR, and GBP flows.
Web widget — for USD onramp, linked via Plaid.
Post-KYC prompt — if using the KYC web widget, users can add their INR bank account right after KYC (enabled by default; contact Saber to disable).

curl --location 'https://api.saber.money/api/v2/user/bank_account' \
--header 'X-Timestamp: {{timestamp}}' \
--header 'X-Api-Key: •••••••' \
--header 'X-Signature: •••••••' \
--header 'X-Request-Id: 123456789876' \
--header 'X-User-Id: •••••••' \
--data '{
    "account_number": "1234567890",
    "account_holder_name": "John Doe",
    "bank_code": "SBIN0004855",
    "account_type": "SAVINGS",
    "country": "IND"
}'

API Reference: Add/Delete Bank

Other User Operations

Operation	Description
Retrieve User	Fetch details of a registered user.
Update User (in development)	Modify user information.
Fetch User Wallet Balance	Wallet balance for Indian users, to check funds before offramp.

Only KYC-approved users can perform onramp and offramp operations.

Getting Started

Client Admin Operations

Offramp

Onramp

User Operations

1. Creating a User

2. KYC for a User

3. Add Bank Account

Other User Operations

​1. Creating a User

​2. KYC for a User

​3. Add Bank Account

​Other User Operations

1. Creating a User

2. KYC for a User

3. Add Bank Account

Other User Operations