Customer operation levels

Every Customer on the platform carries an operationLevel field that controls the compliance requirements applied to their transactions. Levels progress from INACTIVE to FULL as documentation is reviewed and approved.

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Levels

Level	How assigned	Review gate
INACTIVE	Manual — an operator sets it explicitly	All transactions blocked
BASIC	Default for auto-created customers and for operator-created customers without an explicit level	Review gate applies when the amount threshold is met
STANDARD	Assigned after basic documentation is approved	Reduced review exposure, configured per client
FULL	Assigned after full KYC documentation is approved	Review gate bypassed — every future transaction from the customer continues without review

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Auto-created customers

When a topup arrives for an originante that has no existing customer record, the platform creates one automatically:

• operationLevel is set to BASIC.

• autoCreated is true.

• Fields are populated from the originante data in the topup notification (firstName, lastName, documentNumber, documentType).

Surface autoCreated: true customers in your dashboard as a prompt to complete and verify the record.

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Effect on the review gate

A customer at FULL level bypasses the review gate on every subsequent transaction, regardless of amount. This amortises compliance friction: the first qualifying transaction triggers a one-time review; every future transaction from the same customer settles without re-review.

The bypass applies as long as the customer has at least one APPROVED document on record (isDocumented = true).

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Checking a customer

GET /customers/{id}

Returns the full customer record including operationLevel, isDocumented, and the documents array with per-document status.