AUD-only Customers

Organizations with AUD collections enabled can create AUD-only customers: individuals who pay in Australian dollars to their own Australian bank details. Each payment converts to USDC on Base and is sent to your organization's embedded wallet.

1. Create the customer with "product": "aud_only" and "accountType": "individual", and their email (required; 400 without it).
2. Call POST /customers/{customerId}/kyc and send the customer the kycFlowLink. AUD-only customers verify on the customers-id-liveness-ca level, except those who get a new link on every call: call the endpoint again whenever you send them one. They send the same customer.kyc.* webhooks as other customers, with customer.kyc.submitted when their first KYC link is generated, and again when they continue after being asked for more information.
3. After approval, poll GET /customers/{customerId}/deposit?currency=aud until it stops returning 409. The response gives the BSB and account number (paymentRail: "AU_BANK_TRANSFER").
4. Read payments with GET /customers/{customerId}/transactions. Each AUD payment is a DEPOSIT with paymentRail: "AU_BANK_TRANSFER" and the payer's name in payerName. AUD payments send deposit.created and deposit.status_changed webhooks like other deposits.

One set of details accepts NPP/Osko and BECS transfers. The scheme is not reported per transaction. AUD-only customers cannot use EUR/USD deposit details, virtual accounts, deposit wallets, withdrawal banks, withdrawals, developer fees, rate quotes or manual KYC upload; those endpoints return 400 with Not available for AUD-only customers, except that listing their virtual accounts, deposit wallets or withdrawal banks returns an empty list and looking one up returns 404.

---