Create Customer

Create Customer

curl --request POST \
  --url https://api.daya.co/v1/customers \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "email": "<string>",
  "first_name": "<string>",
  "last_name": "<string>"
}
'

import requests

url = "https://api.daya.co/v1/customers"

payload = {
    "email": "<string>",
    "first_name": "<string>",
    "last_name": "<string>"
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({email: '<string>', first_name: '<string>', last_name: '<string>'})
};

fetch('https://api.daya.co/v1/customers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/customers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'email' => '<string>',
    'first_name' => '<string>',
    'last_name' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/customers"

	payload := strings.NewReader("{\n  \"email\": \"<string>\",\n  \"first_name\": \"<string>\",\n  \"last_name\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/customers")
  .header("X-Api-Key", "<x-api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"email\": \"<string>\",\n  \"first_name\": \"<string>\",\n  \"last_name\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/customers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"email\": \"<string>\",\n  \"first_name\": \"<string>\",\n  \"last_name\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "id": "650e8400-e29b-41d4-a716-446655440000",
  "email": "customer@example.com",
  "first_name": "John",
  "last_name": "Doe",
  "is_verified": false,
  "tier_1_kyc_complete": false,
  "tier_2_kyc_complete": false,
  "capabilities": [],
  "rejection_reasons": [],
  "created_at": "2026-01-05T15:04:05Z",
  "updated_at": "2026-01-05T15:04:05Z"
}

POST

customers

Create Customer

curl --request POST \
  --url https://api.daya.co/v1/customers \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "email": "<string>",
  "first_name": "<string>",
  "last_name": "<string>"
}
'

import requests

url = "https://api.daya.co/v1/customers"

payload = {
    "email": "<string>",
    "first_name": "<string>",
    "last_name": "<string>"
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({email: '<string>', first_name: '<string>', last_name: '<string>'})
};

fetch('https://api.daya.co/v1/customers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/customers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'email' => '<string>',
    'first_name' => '<string>',
    'last_name' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/customers"

	payload := strings.NewReader("{\n  \"email\": \"<string>\",\n  \"first_name\": \"<string>\",\n  \"last_name\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/customers")
  .header("X-Api-Key", "<x-api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"email\": \"<string>\",\n  \"first_name\": \"<string>\",\n  \"last_name\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/customers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"email\": \"<string>\",\n  \"first_name\": \"<string>\",\n  \"last_name\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "id": "650e8400-e29b-41d4-a716-446655440000",
  "email": "customer@example.com",
  "first_name": "John",
  "last_name": "Doe",
  "is_verified": false,
  "tier_1_kyc_complete": false,
  "tier_2_kyc_complete": false,
  "capabilities": [],
  "rejection_reasons": [],
  "created_at": "2026-01-05T15:04:05Z",
  "updated_at": "2026-01-05T15:04:05Z"
}

Overview

Create a customer record that can be referenced by customer_id in funding account, transfer, and USD virtual account requests. Customers are scoped to the authenticated merchant. For an individual customer, create the customer record, complete tier 1 verification with POST /v1/customers/{id}/tier1-verification, then submit individual tier 2 KYC with POST /v1/customers/{id}/tier2-verification. For a business or entity, create the customer record first, then submit tier 2 KYB with POST /v1/customers/{id}/tier2-verification using customer_type: "business" and the business KYB fields. The first_name and last_name fields can be omitted for business customer records.

Authentication

X-Api-Key

string

required

Your merchant API key

Request Body

string

required

Customer email address (must be valid)Example: customer@example.com

Email is normalized to lowercase and trimmed before storage.

first_name

string

Customer first name (1–100 characters)Example: John

last_name

string

Customer last name (1–100 characters)Example: Doe

Request Example

{
  "email": "customer@example.com",
  "first_name": "John",
  "last_name": "Doe"
}

curl --request POST \
  --url https://api.daya.co/v1/customers \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "email": "customer@example.com",
    "first_name": "John",
    "last_name": "Doe"
  }'

Response

string

required

Unique customer identifier (UUID)

string

required

Customer email address

first_name

string

Customer first name

last_name

string

Customer last name

is_verified

boolean

Whether the customer has passed verification. false on creation.

tier_1_kyc_complete

boolean

Whether tier 1 KYC has been completed. false on creation.

tier_2_kyc_complete

boolean

Whether tier 2 KYC has been completed. false on creation.

capabilities

array

Customer capabilities and their current status. Empty on creation until verification starts.

rejection_reasons

array

Current blocking verification or capability issues. Empty on creation.

created_at

string

required

When the customer was created (ISO 8601 timestamp)

updated_at

string

required

When the customer was last updated (ISO 8601 timestamp)

Success Response

{
  "id": "650e8400-e29b-41d4-a716-446655440000",
  "email": "customer@example.com",
  "first_name": "John",
  "last_name": "Doe",
  "is_verified": false,
  "tier_1_kyc_complete": false,
  "tier_2_kyc_complete": false,
  "capabilities": [],
  "rejection_reasons": [],
  "created_at": "2026-01-05T15:04:05Z",
  "updated_at": "2026-01-05T15:04:05Z"
}

Error Responses

{
  "error": {
    "code": "VALIDATION_FAILED",
    "message": "Validation failed",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "validation": "email is required and must be a valid email address"
  }
}

{
  "error": {
    "code": "CONFLICT",
    "message": "Customer with this email already exists for this merchant",
    "request_id": "550e8400-e29b-41d4-a716-446655440000"
  }
}

Notes

Customers are scoped to the authenticated merchant — the same email can exist under different merchants.
Once created, a customer can be referenced by customer_id in funding account requests.
Business/entity customers use the same customer object and response shape as individual customers. Submit business KYB before creating a USD virtual account for a business beneficiary.

List supported chains List Customers

Getting Started

Core Concepts

Guides

Rates & Chains

Customers

Funding Accounts

Transfers

Deposits

Recipients

Banks

USD Virtual Accounts

USD Virtual Account Deposits

Merchant Balance

Merchant Funding

Webhooks

Legacy API

Overview

Authentication

Request Body

Request Example

Response

Success Response

Error Responses

Notes

​Overview

​Authentication

​Request Body

​Request Example

​Response

​Success Response

​Error Responses

​Notes

Overview

Authentication

Request Body

Request Example

Response

Success Response

Error Responses

Notes