Key Features
| Wallet Feature | Details |
|---|
| Fund Storage | Wallets hold and maintain balances completely separate from your main account. |
| Unlimited Creation | You can create an unlimited number of Wallets via API. |
| Non-Expiring | Wallets do not expire, unlike Dynamic Accounts. They’re permanent storage pockets. |
| Supported Currencies | Currently available only for NGN and GHS. |
| Independent Management | Each Wallet operates with its own unique ID, balance, and transaction history. |
| Simplified Setup | No Bank Verification Number (BVN) submission is required for creation. |
Prerequisites for Wallet Creation
Before you can create your first Wallet, your account needs to be fully configured for merchant operations.
- KYB Completion: Successfully complete your account signup and Know Your Business (KYB) onboarding.
- Configuration Activation: Merchant configuration is NOT enabled by default. You must contact support at support@spotflow.one to explicitly request activation.
- API Credentials: Ensure you have your SECRET_KEY from the merchant dashboard for authorization purposes.
API Operations
| Action | Endpoint | Key Detail |
|---|
| Create Wallet | Wallet Creation API Endpoint | Specify parameters (name, currency). Returns a unique Wallet identifier. |
| Fetch Wallet Data | Fetch Wallet by ID Endpoint | Retrieve individual Wallet information and details. |
| View Balances | Fetch Balances Endpoint | Access the Wallet’s real-time balance and transaction history (also available on your Spotflow dashboard). |
| List All | List Wallets Endpoint | Retrieve all Wallets associated with your main account. You can also use this to fetch details for your main account. |
Webhook Notifications
You will receive webhook and email notifications when a wallet is credited.
Action Item: Ensure you configure your system to receive these payment status updates. Set or update your Webhook URL on the merchant dashboard under Settings → API & Webhooks → URLs.
