Apply for platform cards

Submit a card application before issuing cards. Individual applicants complete KYC; companies complete KYB and verification for their beneficial owners. An approved identity can receive additional cards without repeating verification.

These operations use platform user authentication. To onboard your own customers as a partner, use partner onboarding.

Individual application

Individual applications collect personal identity information and submit it to Agio for KYC/AML review.

Submit an application

mutation CreateCardApplication($input: CreateCardApplicationInput!) {
  createCardApplication(input: $input) {
    success
    applicantId
    cardApplicationId
    cardApplicationExternalId
    applicationStatus
    applicationCompletionUrl
    shareToken
    error
  }
}

{
  "input": {
    "walletAddress": "0x1234...abcd",
    "occupation": "Software Developers",
    "annualSalary": "100000_TO_150000",
    "accountPurpose": "PERSONAL_SPENDING",
    "expectedMonthlyVolume": "1000_TO_5000",
    "isTermsOfServiceAccepted": true,
    "cardNickname": "My Card",
    "requestedLimitAmount": 25000,
    "requestedLimitFrequency": "30 day"
  }
}

Input fields

Field	Type	Description
walletAddress	String!	EVM wallet address (0x...). Required for this platform operation.
occupation	String!	SOC code ("15-1252") or description ("Software Developers") — see Occupation Codes
annualSalary	String!	Salary range (e.g., "100000_TO_150000")
accountPurpose	String!	Purpose of the account (e.g., "PERSONAL_SPENDING", "BUSINESS_EXPENSES")
expectedMonthlyVolume	String!	Expected monthly volume range (e.g., "1000_TO_5000")
isTermsOfServiceAccepted	Boolean!	Must be true to proceed
cardNickname	String	Optional display name for the first card
requestedLimitAmount	Int	Desired credit limit in dollars (e.g., 25000)
requestedLimitFrequency	String	Limit period (e.g., "30 day", "7 day")
sessionId	String	Session ID from generateEncryptionKeys (required if setting PIN at application)
encryptedPin	String	Pre-encrypted PIN to stage for the first card

Response

Field	Type	Description
success	Boolean	Whether the application was accepted by the issuer
applicantId	String	Card user UUID
cardApplicationId	Int	Numeric application ID. Pass this to createCard once the application is approved
cardApplicationExternalId	String	Issuer-side application UUID
applicationStatus	String	UPPERCASE status string — e.g. PENDING, APPROVED, NEEDSVERIFICATION, DENIED. See Application Status Values
applicationCompletionUrl	String	Signed URL for the hosted verification page. Open it exactly as returned — see Hosted verification links
shareToken	String	Verification share token, when the share-token flow is enabled
walletAddress	String	The collateral wallet for this application — echoes the supplied wallet address
error	String	Human-readable failure reason (when success is false)
errorCode	String	Machine-readable failure code (when success is false) — pair with error for handling

If the response includes an applicationCompletionUrl, redirect the user to that URL to complete additional verification steps (e.g., document upload, selfie).

Hosted verification links

The hosted verification page is reached through a signed URL. The signature authorizes the session, and the page rejects a request that arrives without it.

Two rules follow:

1. Open the URL exactly as Agio returns it. Do not rebuild it from its parts, drop query parameters, or re-encode it.
2. Never construct the URL yourself from a card user id. A hand-built link carries no signature and will fail.

Corporate application

Corporate applications onboard a company and its beneficial owners. The process triggers KYB for the company entity and individual KYC for each Ultimate Beneficial Owner (UBO).

Submit a corporate application

mutation CreateCardCorporateApplication($input: CreateCardCorporateApplicationInput!) {
  createCardCorporateApplication(input: $input) {
    success
    companyId
    name
    applicationStatus
    error
  }
}

{
  "input": {
    "name": "Acme Corp",
    "address": {
      "line1": "123 Business Ave",
      "city": "Miami",
      "region": "FL",
      "postalCode": "33101",
      "countryCode": "US"
    },
    "entity": {
      "name": "Acme Corporation",
      "description": "Software development",
      "industry": "541512",
      "registrationNumber": "12345678",
      "taxId": "12-3456789",
      "website": "https://acme.com",
      "type": "LLC",
      "expectedSpend": "10000_TO_50000"
    },
    "initialUser": {
      "firstName": "John",
      "lastName": "Doe",
      "birthDate": "1980-01-15",
      "nationalId": "123456789",
      "countryOfIssue": "US",
      "email": "[email protected]",
      "address": {
        "line1": "123 Main St",
        "city": "Miami",
        "region": "FL",
        "postalCode": "33101",
        "countryCode": "US"
      },
      "isTermsOfServiceAccepted": true,
      "walletAddress": "0x1234...abcd"
    },
    "representatives": [
      {
        "firstName": "Jane",
        "lastName": "Smith",
        "birthDate": "1985-06-20",
        "nationalId": "987654321",
        "countryOfIssue": "US",
        "email": "[email protected]",
        "address": {
          "line1": "456 Oak Ave",
          "city": "Miami",
          "region": "FL",
          "postalCode": "33101",
          "countryCode": "US"
        }
      }
    ],
    "ultimateBeneficialOwners": [
      {
        "firstName": "John",
        "lastName": "Doe",
        "birthDate": "1980-01-15",
        "nationalId": "123456789",
        "countryOfIssue": "US",
        "email": "[email protected]",
        "address": {
          "line1": "123 Main St",
          "city": "Miami",
          "region": "FL",
          "postalCode": "33101",
          "countryCode": "US"
        }
      }
    ],
    "sourceKey": "your-app-key"
  }
}

Key corporate fields

Section	Fields	Notes
Entity	name, description, industry (NAICS), registrationNumber, taxId, website, type, expectedSpend	website is required by Agio Card API
Initial User	Personal details + walletAddress + isTermsOfServiceAccepted	First user/admin of the company
Representatives	Array of persons authorized to act on behalf of the company	At least one required
UBOs	Array of persons with 25%+ ownership	Each triggers individual KYC

After corporate approval, add users to the company, then issue cards to each user.

Application status values

applicationStatus is returned as an UPPERCASE string. The canonical set:

Status	Description	Action
APPROVED / ACTIVE	Verified. Cards can be issued. createCard accepts both values.	Proceed to createCard
PENDING	Under review. No action required.	Wait for a final decision
NEEDSINFORMATION	Additional information required from the applicant.	Follow the requested verification steps
NEEDSVERIFICATION	Identity verification pending.	Redirect user to applicationCompletionUrl
MANUALREVIEW	Flagged for manual review by Agio compliance.	Wait for resolution
DENIED	Application denied.	Display denial to user
LOCKED	Account locked by compliance.	Contact Agio support
CANCELED	Application canceled.	Resubmit if needed

Monitoring application status

Partner integrations can check application status and receive application webhooks. Follow that API's authentication and onboarding flow when building a customer integration.