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The Private Label implementation allows you to embed Bitwage’s “Individual” product into your application. Your users interact entirely with your UI while Bitwage handles payment processing behind the scenes.

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How it works

  1. Create a user via the API with the worker product type.
  2. Complete KYC by uploading identity documents through the API.
  3. Set up a payer representing the employer or client.
  4. Create distributions specifying how the user receives payments.
  5. Generate a funding account to get banking details for the payer.
The user never needs to visit the Bitwage UI. All steps are handled through your application using the Partner API.

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KYC requirements

For the Bitwage Individual product, completing KYC requires:
  • An image of the front and back of an accepted identity document
  • A selfie of the user with that ID
  • At least one payer created for the user

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Accepted document types

The required document types depend on the user’s country and the payer currency. Use the Get required document types endpoint to determine what’s needed for a specific user.

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Upload flow

1

Get required document types

Call GET /api/user/document/types with the user_id and external_company_id to get the list of required documents.
2

Upload identity documents

Call POST /api/user/document/upload for each required document. For documents that require a backside, upload both front and back images.
3

Upload tax ID (if required)

If a tax ID is required, call POST /api/user/document/upload with doc_type: "tax_id" and the tax_id and tax_id_type fields.
4

Initiate KYC

Call POST /api/user/kyc-initiate to submit the user’s information for verification. Monitor the result via the KYC status webhook.

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Creating a funding account

After KYC is approved, create a funding account so the user can receive payments:
1

Get TOS link (USD only)

For USD funding accounts, call GET /api/user/funding/account/tos to get the Terms of Service acceptance link. The user must accept the TOS before the account can be created.
2

Create the account

Call POST /api/user/funding/account with the signed_agreement_id (for USD) to create the account. For USD, the account is created asynchronously and you will be notified via webhook when it’s ready.
3

Get bank details

Call GET /api/user/funding/account to retrieve the virtual bank account details (account number, routing number, IBAN, etc.) to share with the payer.