> ## 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. # Update limits, spending asset or freeze/unfreeze > Updates the card's spending limits (send "0" to remove a limit), changes the balance it spends from (`spending_asset`, future purchases only) and freezes or unfreezes it. Frozen cards decline every authorization instantly. ## OpenAPI ````yaml /openapi.yaml patch /v1/cards/{cardID} 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/{cardID}: patch: tags: - Cards summary: Update limits, spending asset or freeze/unfreeze description: >- Updates the card's spending limits (send "0" to remove a limit), changes the balance it spends from (`spending_asset`, future purchases only) and freezes or unfreezes it. Frozen cards decline every authorization instantly. operationId: updateCard parameters: - $ref: '#/components/parameters/cardID' requestBody: required: true content: application/json: schema: type: object properties: frozen: type: boolean spending_asset: type: string enum: - USDT - USDC - BTC - GOLD description: >- New spending balance. Only affects future purchases; in-flight authorizations keep (and refund to) the asset they debited. limits: type: object properties: per_transaction: type: string daily: type: string monthly: type: string examples: freeze: summary: Freeze the card value: frozen: true set_spending_asset: summary: Spend from the USDC balance value: spending_asset: USDC set_limits: summary: Update limits value: limits: per_transaction: '200.00' daily: '0' responses: '200': description: Updated card. 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 status: frozen spending_asset: USDC limits: per_transaction: '200.000000' created_at: '2026-07-08T12:00:00Z' updated_at: '2026-07-08T13:00:00Z' '400': description: >- invalid_amount / spending_asset_unavailable / settlement_asset_disabled content: application/json: schema: $ref: '#/components/schemas/Error' examples: invalid_amount: value: error: invalid_amount message: limits must be positive decimal strings (or "0" to remove) spending_asset_unavailable: value: error: spending_asset_unavailable message: this asset is not available for card purchases '404': $ref: '#/components/responses/NotFound' '409': description: card_cancelled content: application/json: schema: $ref: '#/components/schemas/Error' example: error: card_cancelled message: a cancelled card cannot be updated components: parameters: cardID: name: cardID in: path required: true schema: type: string 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: NotFound: description: Resource not found (`not_found`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: not_found message: resource not found 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. ````