> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a card > Issues a card (virtual or physical) that spends Just-In-Time from the account's central balance in the card's spending asset (`spending_asset`: USDT/USDC 1:1 with the USD, or BTC/GOLD converted at the price of the moment of each event; USDT by default) — no prefunding: every purchase is authorized in real time against the available balance and the card's own limits. Person accounts can hold **1 virtual + 1 physical** card; company accounts can create **unlimited** cards, for the company itself or for designated persons (e.g. employees, passing their identity documents). Issuance bills the `card_creation_virtual` / `card_creation_physical` fee when configured (0 = free); the charge is refunded automatically if issuance fails. Physical cards are born `pending_activation` until the holder confirms reception. ## OpenAPI ````yaml /openapi.yaml post /v1/cards openapi: 3.1.0 info: title: CBPay API version: '1.89' description: | CBPay is a multi-currency payment platform: fiat payouts and collections across Latin America, internal transfers, on-chain funding and withdrawals, and KYC screening. Every account holds four independent virtual balances — USDT (the operating currency), USDC, BTC and GOLD (grams of fine gold) — that never mix or convert automatically. Payouts and service fees can be paid from any of the four balances: set a default with `PUT /v1/settlement` or override per payout with `settlement_asset`. All amounts are decimal strings in each currency's precision (6 decimals for USDT/USDC/GOLD, 8 for BTC). Errors always return `{"error": "", "message": ""}`. servers: - url: https://api.qbank.cl/platform description: Live (production, real money) - url: https://cryptobank.qbank.cl/platform description: Test (sandbox, simulated money — pk_test_ keys) security: - bearerAuth: [] tags: - name: Receipts description: >- Branded PDF receipt per operation, with a public signed-QR authenticity check, receipt_url on every response/webhook and automatic email delivery on final states. - name: Authentication description: Register and log in account members. Sessions last 24 hours. - name: Account description: Profile, members and API keys of the calling account. - name: Balances description: Balances, movement history and FX rates. - name: Payouts description: >- Fiat dispersals debited from the settlement balance of your choice (USDT by default). - name: Payins description: Fiat top-ups credited to the USDT balance. - name: Transfers - name: Contacts - name: Swaps description: >- Free internal transfers between CBPay accounts (person or company, any combination). - name: Crypto description: On-chain funding and withdrawals (TRON, Ethereum and Bitcoin). - name: Segregated wallets description: >- On-chain wallets with their own balance (companies unlimited; persons 1 per network+asset pair) — create, import, send, export the private key and auto-forward. The balance lives on-chain, never in the ledger. - name: QR Crypto POS description: >- Amount-bearing crypto QR charges for processors with physical POS terminals (company accounts): verified merchants, exclusive address + QR per charge, early payment detection, per-merchant reconciliation and refunds over the crypto withdrawal rail. - name: KYC / KYB - name: AML screening description: >- Identity verification: KYC for persons, KYB for companies, with AML screening, rescreening and continuous monitoring. - name: Wallet screening description: >- AML risk assessment of blockchain addresses (sanctions, illicit-fund exposure) with a per-scan fee, plus free automatic protection on withdrawals and deposits. - name: Analytics - name: Webhooks description: Subscriptions to receive signed event notifications. - name: Status description: Service availability. - name: Banking description: >- Real bank accounts: receive, hold and send money over international banking rails. - name: Cards description: >- Virtual and physical cards that spend Just-In-Time from the account's USDT balance, with per-card spending limits. - name: Security (OTP) description: >- One-time verification codes over SMS/WhatsApp/email protecting sensitive actions, plus self-service 2FA preferences. Applies to user sessions only — API keys are exempt. - name: Passkeys description: >- Passwordless sign-in with the device's biometrics (Face ID, Touch ID, Windows Hello, security keys) via WebAuthn, authenticator apps (TOTP) with backup codes, and session/device management. - name: Social login description: >- Passwordless sign up and sign in with Google, Apple, Microsoft and Facebook via token exchange. The front end obtains the provider credential; the API verifies it and issues the CBPay session. paths: /v1/cards: post: tags: - Cards summary: Create a card description: >- Issues a card (virtual or physical) that spends Just-In-Time from the account's central balance in the card's spending asset (`spending_asset`: USDT/USDC 1:1 with the USD, or BTC/GOLD converted at the price of the moment of each event; USDT by default) — no prefunding: every purchase is authorized in real time against the available balance and the card's own limits. Person accounts can hold **1 virtual + 1 physical** card; company accounts can create **unlimited** cards, for the company itself or for designated persons (e.g. employees, passing their identity documents). Issuance bills the `card_creation_virtual` / `card_creation_physical` fee when configured (0 = free); the charge is refunded automatically if issuance fails. Physical cards are born `pending_activation` until the holder confirms reception. operationId: createCard requestBody: required: true content: application/json: schema: type: object required: - idempotency_key properties: physical: type: boolean default: false idempotency_key: type: string description: >- Required (also accepted as the Idempotency-Key header). A retry with the same key returns the original card and never double-charges the issuance fee. spending_asset: type: string enum: - USDT - USDC - BTC - GOLD default: USDT description: >- Balance the card spends from. USDT/USDC are at par with the USD (exact 1:1, no conversion fee). BTC/GOLD convert at the effective price of the moment of each event, with a reserve cushion at authorization (fail-closed pricing, per-operation and 24h volatile limits shared with payouts). limits: type: object description: >- Optional spending limits in USD (enforced at authorization time; 0 or omitted = no limit). properties: per_transaction: type: string daily: type: string monthly: type: string cardholder: type: object description: >- Cardholder data. On the account's FIRST issuance the holder is created at the issuer: identity data and documents AUTO-FILL from the account's approved identity verification (explicit fields win); you only add the issuer-specific fields (occupation catalog code, salary_usd). Omit it on subsequent cards: the verified holder is reused. Company accounts can also set kind "person" plus the verification_id of THAT person's APPROVED KYC to issue for a designated person (their identity and documents come from the verification). properties: verification_id: type: string format: uuid description: >- REQUIRED for designated persons (kind "person" on company accounts): submission_id of the person's APPROVED third-party KYC verification. examples: person_first_card: summary: >- Person — FIRST card (identity auto-fills from the verification) value: physical: false idempotency_key: card-v-1 cardholder: occupation: '52201' salary_usd: 1800 subsequent_card: summary: Subsequent card — holder already verified (no data needed) value: physical: true idempotency_key: card-f-ops-1 spending_asset: USDC limits: per_transaction: '500.00' monthly: '5000.00' company_for_employee: summary: Company — card for a designated person (approved KYC required) value: physical: false idempotency_key: card-emp-77 limits: monthly: '1500.00' cardholder: kind: person verification_id: c3d4e5f6-a7b8-4c9d-0e1f-2a3b4c5d6e7f occupation: '52201' salary_usd: 1800 responses: '201': description: Card created. content: application/json: schema: $ref: '#/components/schemas/CardObject' example: card_id: 3c2b1a09-8d7e-6f5a-4b3c-2d1e0f9a8b7c account_id: 9b1deb4d-3b7d-4bad-9bdd-2b0d7b3dcb6d physical: false cardholder_kind: account cardholder_name: Client X SpA status: active spending_asset: USDT limits: monthly: '5000.000000' created_at: '2026-07-08T12:00:00Z' updated_at: '2026-07-08T12:00:00Z' creation_fee: '3.000000' '400': description: idempotency_key_required / invalid_amount content: application/json: schema: $ref: '#/components/schemas/Error' example: error: idempotency_key_required message: provide idempotency_key (body or Idempotency-Key header) '401': $ref: '#/components/responses/Unauthorized' '402': description: Balance cannot cover the issuance fee (insufficient_funds). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: insufficient_funds message: account balance is not enough for this operation '403': $ref: '#/components/responses/AccountRequired' '409': description: card_limit_reached (person accounts) / cardholder_kyc_pending content: application/json: schema: $ref: '#/components/schemas/Error' example: error: card_limit_reached message: >- person accounts can hold at most 1 virtual card (cancel the existing one first) '422': description: >- verification_required / verification_not_approved / verification_kind_mismatch (designated persons need an approved third-party KYC verification_id). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: verification_required message: >- an approved identity verification of the third party is required: pass verification_id components: schemas: CardObject: type: object properties: card_id: type: string account_id: type: string physical: type: boolean cardholder_kind: type: string enum: - account - person cardholder_name: type: string status: type: string enum: - pending_activation - active - frozen - cancelled spending_asset: type: string enum: - USDT - USDC - BTC - GOLD description: >- Balance the card's purchases spend from. USDT/USDC 1:1 with the USD; BTC/GOLD converted at the price of the moment of each event. USDT by default. Changing it only affects future purchases. limits: type: object description: >- Spending limits, always measured in USD regardless of the spending asset. properties: per_transaction: type: string daily: type: string monthly: type: string creation_fee: type: string cancellation_fee: type: string created_at: type: string format: date-time updated_at: type: string format: date-time Error: type: object properties: error: type: string description: Machine-readable error code (snake_case). example: insufficient_funds message: type: string description: Human-readable explanation. responses: Unauthorized: description: Missing or invalid credential (`unauthorized`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: unauthorized message: invalid or missing credentials AccountRequired: description: This endpoint requires an account credential (`account_required`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: account_required message: this endpoint requires an account credential securitySchemes: bearerAuth: type: http scheme: bearer description: | Session JWT (from register/login) or API key (`pk_...`). `X-API-Key: ` is accepted as an alternative header. ````