1. Endusers
Kobble
  • Introduction
  • API Fundamentals
    • Idempotency
    • Rate Limits
    • Healthcheck
      GET
  • Authorization
    • Authorization
    • Get access token
      POST
  • Beneficiaries
    • List all beneficiaries
      GET
    • Get beneficiary by ID
      GET
    • Create beneficiary
      POST
    • Create Payid beneficiary
      POST
    • Update beneficiary
      PATCH
  • Cards
    • Cards API
    • Card Creation Flow — Developer Guide & Onboarding
    • Get all cards
      GET
    • Create a new card
      POST
    • Get card by ID
      GET
    • Update card status
      PATCH
    • Replace or renew card
      POST
    • Generate card secret
      POST
    • Generate MeaWallet widget session token
      POST
  • Card Programs
    • Card Programs API
    • Get all programs
    • Create a new program
    • Get program by ID
  • Clients
    • Clients API
    • Get all clients
    • Get client by ID
    • Create a new client
    • Update client status
  • Endusers
    • Endusers API
    • Usage of Metadata on Endusers
    • Get all endusers
      GET
    • Create a new enduser
      POST
    • Get enduser by ID
      GET
    • Update enduser
      PATCH
  • Transactions
    • Transactions API
    • Get all transactions
    • Create a transaction
    • Get transaction by ID
    • Create manual credit transaction
    • Create manual debit transaction
  • Wallets
    • Wallets API
    • Get all wallets
    • Create a new wallet
    • Get wallet by ID
    • Update wallet
  • Relays
    • Relays API
    • Create subscription
  • Webhooks
    • Webhooks API
    • Webhook Signature Verification
    • Create a webhook
    • Report completed
    • Get all webhooks
    • Delete a webhook
  • Wallet Statements
    • Request a wallet statement
    • List wallet statements
    • Get a wallet statement
    • Get a wallet statement download URL
  • Card Art
    • Get a card art upload URL
    • Register a card art
    • List card arts
    • Get a card art
    • Update a card art
    • Activate a card art
    • Archive a card art
  • Verifications
    • List verifications for a subject
    • Create a verification (in development)
    • Get verification by ID
    • Get a Sum Sub SDK session token
    • Record a client-asserted outcome
  • Schemas
    • Schemas
    • CardWidgetSessionTokenResponse
    • 202 Accepted
    • Webhook
    • 201 Created
    • Relay
    • Create Beneficiary with bank details
    • Client
    • Beneficiary
    • Card
    • CardCreateInputDto
    • CardStatusUpdateDto
    • CardRenewReplaceInputDto
    • Program
    • MetadataKobbleDebit1
    • ProgramCreateInputDto
    • Person
    • Company
    • Enduser
    • Enduser Create Person Input
    • Enduser Create Company Input
    • Metadata
    • Enduser Create Input DTO
    • Transaction
    • TransactionCreateManualCreditInputDto
    • TransactionCreateInputDto
    • Wallet
    • WalletCreateInputDto
    • WalletUpdateInputDto
    • WalletStatement
    • WebhookNotification
    • ReportCompletedEntity
    • ReportCompletedNotification
    • CardArt
    • CardArtDetail
    • CardArtUploadUrlInput
    • CardArtUploadUrlResponse
    • CardArtCreateInput
    • CardArtPatchInput
    • Error
    • RelayCreateResponse
    • ScreeningSummary
    • VerificationPartyLink
    • Verification
    • VerificationSessionToken
  1. Endusers

Endusers API

Kobble Enduser API#

Introduction#

The Kobble Enduser API enables seamless integration with the enduser management system. Developers can create, retrieve, and manage endusers with ease.

Overview#

Provides endpoints to create, retrieve, and manage endusers.

Key Features#

RESTful API with predictable resource-based URLs.
Authentication with secure bearer tokens.
Flexible options for creating and managing endusers.

Tenancy model#

Who the API authenticates#

Your client is the only authenticated party. There is no end-user token, no delegated authorisation, and no way for an end-user to call the API on their own behalf. End-users are records you create and manage; they are not API principals.
Every request you make is scoped to your client by the credentials you present. You never pass a client identifier to select your own data, and you cannot reach another client's data.

How end-users relate to wallets#

A wallet carries two identifiers that are easy to confuse, and both are returned on GET /customers/v1/wallets and GET /customers/v1/wallets/{id}.
owner is your client. Kobble assigns it, it is the same on every wallet you can see, and you do not send it when creating a wallet. Because it is always you, it is not a value you can segment on.
holder_id is the end-user who holds the wallet. This is the one you set, and the only link between a wallet and a person or company in your product.

There is no per-end-user query#

This is the part most integrations discover late, so plan for it at design time.
GET /customers/v1/wallets accepts no query parameters. You cannot list the wallets belonging to one holder.
GET /customers/v1/transactions has no holder filter. The only entity scoping is ?wallet=<id>, which returns transactions where that wallet is the sending or receiving party.
You must keep your own mapping from wallet id to whatever the wallet represents in your product, whether that is a customer, a job, a project or a subaccount. Retrieve the wallet id when you create the wallet and store it against your own record. Segmenting activity afterwards is only possible through that mapping.

Base URLs#

Use the appropriate base URL depending on the environment:
Production: https://apikobble.net/
Staging: https://staging.apikobble.net/
Ensure you prepend the base URL to each endpoint while making requests.

Each environment has its own Cognito user pool, so your staging client ID and secret will not authenticate against production. Production credentials are issued separately as part of go-live.

API Endpoints#

Retrieve list of end users.
Create a new end user.
Retrieve a specific end user by ID.

Authentication#

All requests to the Enduser API require an access token. Include the access token in the headers of each request:
To generate an access token, please refer to Authorization.

Error Handling#

The API returns standard HTTP status codes for responses. Use the status code to determine the result of your request.

Notes#

All responses are returned in JSON format.
Ensure the proper base URL and headers are used in each request.

Modified at 2026-09-16 06:14:13
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Update client status
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Usage of Metadata on Endusers
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