openapi: 3.1.0
info:
  title: Wise Platform 3ds verification API
  version: ''
  description: "The Wise Platform API is a REST-based interface that enables programmatic access to Wise's payment infrastructure. All endpoints return JSON-formatted responses and use standard HTTP methods and status codes.\n{% admonition type=\"success\" name=\"New to wise?\" %}\n  We strongly recommend first reading our **[Getting Started Guide](/guides/developer/index.md)** to help you set up credentials and make your first call.\n{% /admonition %}\n\nBefore you begin {% .title-2 .m-t-5 %}\n\nTo use this API reference effectively, you should have:\n\n- Received Valid [API credentials from Wise](/guides/developer/auth-and-security/index.md) (Client ID and Client Secret)\n- Understand OAuth 2.0 authentication\n- Be familiar with RESTful API concepts\n\nCore API resources {% .title-2 .m-t-5 .m-b-0 %}\n\n| Resource | Purpose |\n|----------|---------|\n| **[Quote](/api-reference/quote)** | Exchange rate and fee calculations |\n| **[Recipient](/api-reference/recipient)** | Beneficiary account management |\n| **[Transfer](/api-reference/transfer)** | Payment creation and execution |\n| **[Balance](/api-reference/balance)** | Multi-currency account operations |\n| **[Profile](/api-reference/profile)** | Account ownership details |\n| **[Rate](/api-reference/rate)** | Current and historical exchange rates |\n\n**Not sure which workflow to build?**<br>\nStart with our [Integration Guides](/guides/product/send-money/use-cases/index.md) for step-by-step implementation examples.{% .m-t-3 .m-b-5 %}\n"
servers:
- url: https://api.wise.com
  description: Production Environment
- url: https://api.wise-sandbox.com
  description: Sandbox Environment
tags:
- name: verification
  x-displayName: Additional Verification
  description: "In certain situations, additional evidence is required to verify customers and ensure we’re compliant with the KYC regulations.\n\nAdditional Verification APIs support a list of evidences that can be found in the [Supported Evidences guide](/guides/product/kyc/partner-kyc/supported-evidences).\n\nIf you use the [Customer Account with Partner KYC](/guides/product/kyc/partner-kyc) model and your customers are primarily based in the EU,\nrefer to this [Onboarding EU customers](/guides/product/kyc/partner-kyc/additional-verification#onboarding-eu-customers) guide\nfor instructions on how to use these APIs.\n\nIf you use the [Customer Account with Partner KYC](/guides/product/kyc/partner-kyc) model and you are onboarding high risk business customers\nbased primarily based in the US, refer to\nthis [Onboarding High Risk US Businesses](/guides/product/kyc/partner-kyc/additional-verification#onboarding-high-risk-us-businesses) guide for \ninstructions on how to use these APIs.\n"
paths:
  /v3/profiles/{profileId}/additional-verification/upload-evidences:
    post:
      deprecated: true
      tags:
      - verification
      summary: Upload Evidences (v3)
      operationId: verificationUploadEvidencesV3
      description: 'Uploads verification evidence for a specific profile.


        The request body varies significantly between **Personal** and **Business** profiles.

        '
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
        description: The unique identifier of the profile.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              oneOf:
              - title: Personal Profile
                type: object
                description: Payload for Personal profile verification.
                example:
                  accountPurpose: MOVING_SAVINGS
                  intendedCountries:
                  - deu
                  - esp
                  yearlyAnticipatedVolume: '0_2350'
                  mainSourceOfIncome: SALARY
                  annualIncome: '0_11500'
                properties:
                  accountPurpose:
                    type: string
                    description: The primary reason for using the account.
                    enum:
                    - MOVING_SAVINGS
                    - SENDING_MONEY_TO_FRIENDS_OR_FAMILY
                    - GENERAL_LIVING_EXPENSES
                    - BUYING_GOODS_OR_SERVICES_ABROAD
                    - PAYING_FOR_MORTGAGE_OR_LOAN
                    - PAYING_BILLS
                    - RECEIVING_SALARY_OR_PENSION
                    - INVESTING
                  accountPurposeExplanation:
                    type: string
                    description: Additional reasons and specific examples for using Wise account. This is a free-text field.
                  intendedCountries:
                    type: array
                    description: 'List of ISO 3166-1 alpha-3 country codes.<br>

                      Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to).

                      '
                    items:
                      type: string
                  yearlyAnticipatedVolume:
                    type: string
                    description: Expected yearly transaction volume in Euros.
                    enum:
                    - '0_2350'
                    - '2351_6000'
                    - '6001_11500'
                    - '11501_60000'
                    - '60001_175000'
                    - 175001_+
                  mainSourceOfIncome:
                    type: string
                    description: Primary source of income. Must be submitted with annualIncome.
                    enum:
                    - SALARY
                    - INVESTMENTS
                    - PENSION
                    - INHERITANCE
                    - LOAN
                    - OTHER
                  annualIncome:
                    type: string
                    description: Expected annual income in Euros. Must be submitted with mainSourceOfIncome.
                    enum:
                    - '0_11500'
                    - '11501_19000'
                    - '19001_28500'
                    - '28501_47500'
                    - '47501_75000'
                    - 75001_+
                  incomeExplanation:
                    type: string
                    description: Additional ways you earn money that were not identified in the provided documents. This is a free-text field.
              - title: Business Profile
                type: object
                description: Payload for Business profile verification.
                example:
                  businessUseCase:
                  - PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES
                  - PAYING_RENT_OR_UTILITIES
                  intendedCountries:
                  - deu
                  - esp
                  monthlyAnticipatedVolume: '0_1200'
                  mainSourceOfFunding: BUSINESS_LOAN
                properties:
                  businessUseCase:
                    type: array
                    description: How the business intends to use the platform.
                    items:
                      type: string
                      enum:
                      - INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILAR
                      - DISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDS
                      - PAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDIT
                      - PAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROAD
                      - PAYING_RENT_OR_UTILITIES
                      - PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES
                      - PAYING_TAX_ON_PROFIT_OR_PROPERTY
                      - TRANSFER_WITHIN_COMPANY_OR_GROUP
                      - RECEIVE_INVESTMENTS_OR_FUNDS
                      - RECEIVE_PAYMENTS_FROM_CLIENTS
                      - DONATION
                      - OTHER
                  intendedCountries:
                    type: array
                    description: 'List of ISO 3166-1 alpha-3 country codes.<br>

                      Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to).

                      '
                    items:
                      type: string
                  mainSourceOfFunding:
                    type: string
                    description: Primary source of business funding.
                    enum:
                    - REVENUE
                    - BUSINESS_LOAN
                    - FUNDING_AND_SHAREHOLDER_INVESTMENTS
                    - INVESTMENT_INCOME
                    - DONATIONS
                    - GRANTS
                    - OTHER
                  monthlyAnticipatedVolume:
                    type: string
                    description: Expected monthly transaction volume in Euros.
                    enum:
                    - '0_1200'
                    - '1201_6000'
                    - '6001_12000'
                    - '12001_60000'
                    - '60001_120000'
                    - '120001_235000'
                    - '235001_600000'
                    - '600001_1200000'
                    - '1200001_6000000'
                    - '6000001_12000000'
                    - 12000001_+
      responses:
        '204':
          description: No Content - Evidence successfully uploaded.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '400':
          description: 'Bad Request - Invalid request payload (e.g. no evidence, misspelled evidence, unexpected value).

            Invalid evidence is populated in the response message.

            Note that correct evidence might be successfully uploaded.

            '
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '403':
          description: Forbidden - The client is not authorized to perform this request.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '409':
          description: 'Conflict - One or more evidences are already uploaded and can''t be re-submitted without an agent review.

            Unacceptable evidence is populated in the response message.

            '
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v5/profiles/{profileId}/additional-verification/upload-evidences:
    post:
      tags:
      - verification
      summary: Upload Evidences
      operationId: verificationUploadEvidences
      description: 'Uploads verification evidence for a specific profile.


        The request body varies significantly between **Personal** and **Business** profiles.


        Submitting an evidence that was already uploaded will result in an attempt to update the evidence.

        '
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
        description: The unique identifier of the profile.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              oneOf:
              - title: Personal Profile
                type: object
                description: Payload for Personal profile verification.
                example:
                  accountPurpose: MOVING_SAVINGS
                  intendedCountries:
                  - deu
                  - esp
                  yearlyAnticipatedVolume: '0_2350'
                  mainSourceOfIncome: SALARY
                  annualIncome: '0_11500'
                properties:
                  accountPurpose:
                    type: string
                    description: The primary reason for using the account.
                    enum:
                    - MOVING_SAVINGS
                    - SENDING_MONEY_TO_FRIENDS_OR_FAMILY
                    - GENERAL_LIVING_EXPENSES
                    - BUYING_GOODS_OR_SERVICES_ABROAD
                    - PAYING_FOR_MORTGAGE_OR_LOAN
                    - PAYING_BILLS
                    - RECEIVING_SALARY_OR_PENSION
                    - INVESTING
                  accountPurposeExplanation:
                    type: string
                    description: Additional reasons and specific examples for using Wise account. This is a free-text field.
                  intendedCountries:
                    type: array
                    description: 'List of ISO 3166-1 alpha-3 country codes.<br>

                      Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to).

                      '
                    items:
                      type: string
                  yearlyAnticipatedVolume:
                    type: string
                    description: Expected yearly transaction volume in Euros.
                    enum:
                    - '0_2350'
                    - '2351_6000'
                    - '6001_11500'
                    - '11501_60000'
                    - '60001_175000'
                    - 175001_+
                  mainSourceOfIncome:
                    type: string
                    description: Primary source of income. Must be submitted with annualIncome.
                    enum:
                    - SALARY
                    - INVESTMENTS
                    - PENSION
                    - INHERITANCE
                    - LOAN
                    - OTHER
                  annualIncome:
                    type: string
                    description: Expected annual income in Euros. Must be submitted with mainSourceOfIncome.
                    enum:
                    - '0_11500'
                    - '11501_19000'
                    - '19001_28500'
                    - '28501_47500'
                    - '47501_75000'
                    - 75001_+
                  incomeExplanation:
                    type: string
                    description: Additional ways you earn money that were not identified in the provided documents. This is a free-text field.
              - title: Business Profile
                type: object
                description: Payload for Business profile verification.
                example:
                  businessUseCase:
                  - PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES
                  - PAYING_RENT_OR_UTILITIES
                  intendedCountries:
                  - deu
                  - esp
                  monthlyAnticipatedVolume: '0_1200'
                  mainSourceOfFunding: BUSINESS_LOAN
                properties:
                  businessUseCase:
                    type: array
                    description: How the business intends to use the platform.
                    items:
                      type: string
                      enum:
                      - INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILAR
                      - DISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDS
                      - PAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDIT
                      - PAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROAD
                      - PAYING_RENT_OR_UTILITIES
                      - PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES
                      - PAYING_TAX_ON_PROFIT_OR_PROPERTY
                      - TRANSFER_WITHIN_COMPANY_OR_GROUP
                      - RECEIVE_INVESTMENTS_OR_FUNDS
                      - RECEIVE_PAYMENTS_FROM_CLIENTS
                      - DONATION
                      - OTHER
                  intendedCountries:
                    type: array
                    description: 'List of ISO 3166-1 alpha-3 country codes.<br>

                      Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to).

                      '
                    items:
                      type: string
                  mainSourceOfFunding:
                    type: string
                    description: Primary source of business funding.
                    enum:
                    - REVENUE
                    - BUSINESS_LOAN
                    - FUNDING_AND_SHAREHOLDER_INVESTMENTS
                    - INVESTMENT_INCOME
                    - DONATIONS
                    - GRANTS
                    - OTHER
                  monthlyAnticipatedVolume:
                    type: string
                    description: Expected monthly transaction volume in Euros.
                    enum:
                    - '0_1200'
                    - '1201_6000'
                    - '6001_12000'
                    - '12001_60000'
                    - '60001_120000'
                    - '120001_235000'
                    - '235001_600000'
                    - '600001_1200000'
                    - '1200001_6000000'
                    - '6000001_12000000'
                    - 12000001_+
      responses:
        '207':
          description: Multi-Status - Evidence(s) successfully uploaded, fully or partially.
          content:
            application/json:
              schema:
                type: object
                description: Response payload for evidence upload result.
                properties:
                  overallStatus:
                    type: string
                    description: Status of the entire request.
                    enum:
                    - SUCCESS
                    - PARTIAL_SUCCESS
                    - FAIL
                  results:
                    type: array
                    description: Results for each evidence.
                    items:
                      type: object
                      properties:
                        evidenceRequirementKey:
                          type: string
                          description: Name of the evidence.
                        result:
                          type: string
                          description: Result for the evidence.
                          enum:
                          - SUCCESS
                          - FAIL
                        message:
                          type: string
                          description: Explanation of result for the evidence.
              examples:
                success:
                  summary: Full success
                  value:
                    overallStatus: SUCCESS
                    results:
                    - evidenceRequirementKey: accountPurpose
                      result: SUCCESS
                      message: SUCCESS
                    - evidenceRequirementKey: annualIncome
                      result: SUCCESS
                      message: SUCCESS
                    - evidenceRequirementKey: intendedCountries
                      result: SUCCESS
                      message: SUCCESS
                    - evidenceRequirementKey: mainSourceOfIncome
                      result: SUCCESS
                      message: SUCCESS
                    - evidenceRequirementKey: yearlyAnticipatedVolume
                      result: SUCCESS
                      message: SUCCESS
                partialSuccess:
                  summary: Partial success
                  value:
                    overallStatus: PARTIAL_SUCCESS
                    results:
                    - evidenceRequirementKey: accountPurpose
                      result: SUCCESS
                      message: SUCCESS
                    - evidenceRequirementKey: annualIncome
                      result: SUCCESS
                      message: SUCCESS
                    - evidenceRequirementKey: intendedCountries
                      result: FAIL
                      message: Could not update verification requirement at the moment
                    - evidenceRequirementKey: mainSourceOfIncome
                      result: SUCCESS
                      message: SUCCESS
                    - evidenceRequirementKey: yearlyAnticipatedVolume
                      result: SUCCESS
                      message: SUCCESS
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '400':
          description: Bad Request - Invalid request payload (e.g. no evidence, misspelled evidence, unexpected value).
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '403':
          description: Forbidden - The client is not authorized to perform this request.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v3/profiles/{profileId}/verification-status/upload-document:
    post:
      tags:
      - verification
      summary: Upload Document
      operationId: verificationUploadDocument
      description: 'Uploads verification documents for review. You can upload multiple files at once.


        A valid document must fulfil these requirements:


        - The document must be clear.

        - The document needs to be a .jpg, .png., or .pdf file type up to 10MB in size.

        '
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
        description: The profile ID (personal or business).
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          multipart/form-data:
            schema:
              type: object
              description: Request payload for uploading documents for verification
              properties:
                files:
                  type: string
                  format: binary
                  description: Path of the files to be uploaded.
                  example: '@/Users/test/file.png'
                documentType:
                  type: string
                  description: 'Type of document being uploaded.


                    Read our guides on acceptable documents for each of the following:

                    - Source of wealth - [guide](/guides/product/kyc/partner-kyc/additional-verification#source-of-wealth-document)

                    - Id Proof - [guide](https://wise.com/help/articles/2949801/how-does-wise-verify-my-identity?origin=search-ID+coument+)

                    - Address Proof - [guide](https://wise.com/help/articles/2949804/how-does-wise-verify-my-address?origin=search-proof+of+address+)

                    - Trading Address Proof - [guide](/guides/product/kyc/partner-kyc/additional-verification#proof-of-trading-address-document)

                    - Business Authorisation Letter - [guide](/guides/product/kyc/partner-kyc/additional-verification#business-authorisation-letter-document)

                    '
                  enum:
                  - SOURCE_OF_WEALTH
                  - ID_PROOF
                  - ADDRESS_PROOF
                  - TRADING_ADDRESS_PROOF
                  - BUSINESS_AUTH_REP_PROOF_BY_AUTH_LETTER
              required:
              - files
              - documentType
      responses:
        '204':
          description: No Content - Document successfully uploaded.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '400':
          description: Bad Request - Document cannot be uploaded in the current format. Check file size and extension.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '403':
          description: Forbidden - The client is not authorized to perform this request.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '409':
          description: Conflict - Document is already uploaded and cannot be re-submitted before review.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '413':
          description: Payload Too Large - Requested file size is too large.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '415':
          description: Unsupported Media Type - Request payload is in an unsupported format.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v3/profiles/{profileId}/verification-status/required-evidences:
    get:
      tags:
      - verification
      summary: Required Evidences
      operationId: verificationGetRequiredEvidences
      description: 'Fetches the required evidences for a profile to complete additional customer verification.


        If one or more evidences are returned, the customer should submit those evidences using the upload-evidences endpoint.


        See the [Supported Evidences guide](/guides/product/kyc/partner-kyc/supported-evidences) for the list of possible evidence types and how to submit them.

        '
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        schema:
          type: integer
          format: int64
        description: The unique identifier of the profile.
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: OK - Successfully retrieved required evidences.
          content:
            application/json:
              schema:
                type: object
                description: Response payload containing required evidences for a profile.
                properties:
                  required_evidences:
                    type: array
                    description: List of evidence types required to complete verification.
                    items:
                      type: string
              example:
                required_evidences:
                - SOURCE_OF_WEALTH
                - INCOME
                - USE_CASE_COUNTRIES
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '403':
          description: Forbidden - The client is not authorized to perform this request.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
components:
  parameters:
    X-External-Correlation-Id:
      x-global: true
      name: X-External-Correlation-Id
      in: header
      required: false
      description: 'Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. [Learn more](/guides/developer/headers/correlation-id).

        '
      schema:
        type: string
        format: uuid
        maxLength: 36
      example: f47ac10b-58cc-4372-a567-0e02b2c3d479
  responses:
    '429':
      x-global: true
      description: Rate limit exceeded. Retry after the number of seconds specified in the `Retry-After` header.
      headers:
        Retry-After:
          description: Number of seconds to wait before retrying the request.
          schema:
            type: integer
          example: 5
        X-Rate-Limited-By:
          description: Identifies the rate limiter that triggered the 429 response.
          schema:
            type: string
          example: wise-public-api
        X-External-Correlation-Id:
          $ref: '#/components/headers/X-External-Correlation-Id'
        x-trace-id:
          $ref: '#/components/headers/x-trace-id'
      content:
        application/json:
          schema:
            type: object
  headers:
    X-External-Correlation-Id:
      x-global: true
      description: Echoed back when `X-External-Correlation-Id` was included in the request. [Learn more](/guides/developer/headers/correlation-id).
      schema:
        type: string
        format: uuid
        maxLength: 36
      example: f47ac10b-58cc-4372-a567-0e02b2c3d479
    x-trace-id:
      x-global: true
      description: Unique trace identifier assigned by Wise. Useful when contacting support about a specific request.
      schema:
        type: string
      example: fba501b6d453b96789f52338f019341f
  securitySchemes:
    UserToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'User Access Token for making API calls on behalf of a Wise user.


        Can be obtained via two OAuth 2.0 flows:

        - **registration_code grant**: For partners creating users via API

        - **authorization_code grant**: For partners using Wise''s authorization page


        Access tokens are valid for 12 hours and can be refreshed using a refresh token.

        '
    PersonalToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'Personal API Token for individual personal or small business users.

        Generated from Wise.com > Settings > Connect and manage apps > API tokens.

        Has limited API access compared to OAuth tokens (PSD2 restrictions apply for EU/UK users).

        '
    ClientCredentialsToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'Application-level token for partner operations that don''t require a specific user context, such as bulk settlement and card spend controls.


        Obtained via `POST /oauth/token` with Basic Authentication (client-id:client-secret) and `grant_type=client_credentials`.


        Valid for 12 hours. No refresh token — fetch a new token when expired.


        See [create an OAuth token](/api-reference/oauth-token/oauthtokencreate) for details.

        '
    BasicAuth:
      type: http
      scheme: basic
      description: 'Basic Authentication using your Client ID and Client Secret as the username and password.


        Client credentials are provided by Wise when your partnership begins. See [Getting Started](/guides/developer) for details.

        '
x-tagGroups:
- name: Authentication
  tags:
  - oauth-token
- name: Enhanced Security
  tags:
  - jose
- name: Users
  tags:
  - user
  - claim-account
- name: Profiles
  tags:
  - profile
  - activity
  - address
- name: Verification
  tags:
  - kyc-review
  - verification
  - facetec
- name: Strong Customer Authentication
  tags:
  - sca-ott
  - sca-sessions
  - sca-pin
  - sca-facemaps
  - sca-device-fingerprints
  - sca-otp
  - user-security
- name: Balances
  tags:
  - balance
  - balance-statement
  - bank-account-details
  - multi-currency-account
- name: Cards
  tags:
  - card
  - card-sensitive-details
  - 3ds
  - card-kiosk-collection
  - card-order
  - card-transaction
  - spend-limits
  - spend-controls
  - digital-wallet
  - disputes
- name: Quotes
  tags:
  - quote
  - rate
  - comparison
- name: Recipients
  tags:
  - recipient
  - contact
- name: Transfers
  tags:
  - transfer
  - delivery-estimate
  - currencies
  - batch-group
- name: Funding
  tags:
  - payin-deposit-detail
  - direct-debit-account
  - bulk-settlement
  - payins
- name: Webhooks
  tags:
  - webhook
  - webhook-event
- name: Simulations
  tags:
  - simulation
- name: Partner Support
  tags:
  - case