Working with User Profile

Before You Start

Read the following guides before proceeding:

The User Profile section provides access to account information, verification status, and capabilities. Each user has a profile containing personal information submitted during KYC, a verification status indicating their identity verification progress, and a set of capabilities that determine which features they can access.

Capabilities are the core mechanism for feature gating. Each capability represents a specific action (e.g., sending SEPA transfers, issuing cards) and has a status indicating whether the user can perform that action. Capabilities have prerequisites (other capabilities that must be active first) and verification requirements (KYC levels that must be completed). Your application should query capabilities to determine which features to expose to each user.

User Profile Flow (Simplified)

Detailed documentation available in User Information and Capabilities.

sequenceDiagram
    participant User
    participant App as Your App
    participant BaaS as Wirex BaaS

    Note over User,BaaS: Get User Profile
    User->>App: Open profile
    App->>BaaS: GET /api/v2/user
    BaaS-->>App: profile, verification, capabilities[]
    App-->>User: Display info

    Note over User,App: Check Capabilities
    User->>App: Want to send SEPA
    Note right of App: Check SepaOut1stParty<br/>capability status
    Note right of App: If Active: allow<br/>If NotFulfilled: show requirements
    App-->>User: Action or prompt