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Account Events

1. Account.balance.changed

Triggered when the account balance changes.

Event Trigger Points

FlowReason Value
Deposit approveddeposit.approved
Deposit rejecteddeposit.rejected
Withdrawal completedwithdrawal.completed
Instant withdrawal reconciledwithdrawal.completed
Card authorizationcard.authorization.{category}
{
  "id": "evt_a1b2c3d4e5f6...",
  "type": "account.balance.changed",
  "createdAt": "2026-03-04T12:00:00.000Z",
  "data": {
    "accountId": "550e8400-e29b-41d4-a716-446655440000",
    "balances": [
      {
        "currency": "EUR",
        "decimals": 18,
        "total": "1000000000000000000",
        "spendable": "950000000000000000",
        "deductions": {
          "authorizedHolds": "50000000000000000",
          "nonSpendable": "0",
          "processingDeposits": "0"
        },
        "tokens": [
          {
            "token": "EURe",
            "decimals": 18,
            "spendable": "950000000000000000",
            "nonSpendable": "0",
            "processingDeposits": "0"
          }
        ]
      },
      {
        "currency": "GBP",
        "decimals": 18,
        "total": "0",
        "spendable": "0",
        "deductions": {
          "authorizedHolds": "0",
          "nonSpendable": "0",
          "processingDeposits": "0"
        },
        "tokens": []
      },
      {
        "currency": "USD",
        "decimals": 6,
        "total": "0",
        "spendable": "0",
        "deductions": {
          "authorizedHolds": "0",
          "nonSpendable": "0",
          "processingDeposits": "0"
        },
        "tokens": []
      }
    ],
    "reason": "deposit.approved",
    "referenceId": "550e8400-e29b-41d4-a716-446655440001"
  }
}

2. Account.created

Triggered when a new account is created and provisioning begins.
{
  "id": "evt_a1b2c3d4e5f6a1b2c3d4e5f6a1b2c3d4",
  "type": "account.created",
  "createdAt": "2026-03-11T14:30:00.123456789Z",
  "data": {
    "id": "019505a1-b2c3-7d4e-a5f6-a1b2c3d4e5f6",
    "kycProfileId": "019505a1-c3d4-7e5f-b6a7-b2c3d4e5f6a7",
    "safeOwnerAddress": "0x1234567890abcdef1234567890abcdef12345678",
    "safeAddress": null,
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "reference": null,
    "nativeCurrency": "EUR",
    "additionalCurrencies": ["GBP"],
    "createdAt": "2026-03-11T14:30:00.123456789Z",
    "updatedAt": "2026-03-11T14:30:00.123456789Z",
    "closedAt": null,
    "status": "provisioning",
    "provisionedAt": null
  }
}

3. Account.activated

Triggered when account provisioning is complete and account becomes active.
{
  "id": "evt_b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7",
  "type": "account.activated",
  "createdAt": "2026-03-11T15:00:00.123456789Z",
  "data": {
    "id": "019505a1-b2c3-7d4e-a5f6-a1b2c3d4e5f6",
    "kycProfileId": "019505a1-c3d4-7e5f-b6a7-b2c3d4e5f6a7",
    "safeOwnerAddress": "0x1234567890abcdef1234567890abcdef12345678",
    "safeAddress": "0xabcdef1234567890abcdef1234567890abcdef12",
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "reference": "partner-ref-123",
    "nativeCurrency": "EUR",
    "additionalCurrencies": ["GBP"],
    "createdAt": "2026-03-11T14:30:00.123456789Z",
    "updatedAt": "2026-03-11T15:00:00.123456789Z",
    "closedAt": null,
    "status": "active",
    "provisionedAt": "2026-03-11T14:45:00.123456789Z"
  }
}

4. Account.blocked

Triggered when an account is blocked due to security or compliance reasons.
{
  "id": "evt_c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8",
  "type": "account.blocked",
  "createdAt": "2026-03-11T16:00:00.123456789Z",
  "data": {
    "id": "019505a1-b2c3-7d4e-a5f6-a1b2c3d4e5f6",
    "kycProfileId": "019505a1-c3d4-7e5f-b6a7-b2c3d4e5f6a7",
    "safeOwnerAddress": "0x1234567890abcdef1234567890abcdef12345678",
    "safeAddress": "0xabcdef1234567890abcdef1234567890abcdef12",
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "reference": "partner-ref-123",
    "nativeCurrency": "EUR",
    "additionalCurrencies": ["GBP"],
    "createdAt": "2026-03-11T14:30:00.123456789Z",
    "updatedAt": "2026-03-11T16:00:00.123456789Z",
    "closedAt": null,
    "status": "blocked",
    "provisionedAt": "2026-03-11T14:45:00.123456789Z"
  }
}

KYC Events

5. KYC.profile.approved

Triggered when a KYC profile verification is approved.
{
  "id": "evt_d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9",
  "type": "kyc.profile.approved",
  "createdAt": "2026-03-11T14:00:00.123456789Z",
  "data": {
    "id": "019505a1-c3d4-7e5f-b6a7-b2c3d4e5f6a7",
    "reference": "applicant-abc123",
    "email": "user@example.com",
    "status": "approved",
    "tenantId": "tenant-xyz",
    "details": {
      "fullName": "John Doe",
      "phoneNumber": "+441234567890",
      "dateOfBirth": "1990-01-15T00:00:00Z",
      "nationality": "GB",
      "countryOfResidence": "GB",
      "countryOfBirth": "GB",
      "documentNumber": "AB123456C",
      "gender": "male",
      "addresses": [
        {
          "id": "019505a1-e5f6-7a7b-c8d9-e0f1a2b3c4d5",
          "country": "GB",
          "postalCode": "SW1A 1AA",
          "city": "London",
          "state": "England",
          "address1": "10 Downing Street",
          "address2": null
        }
      ]
    }
  }
}

6. KYC.profile.rejected

Triggered when a KYC profile verification is rejected.
{
  "id": "evt_e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0",
  "type": "kyc.profile.rejected",
  "createdAt": "2026-03-11T14:00:00.123456789Z",
  "data": {
    "id": "019505a1-c3d4-7e5f-b6a7-b2c3d4e5f6a7",
    "reference": "applicant-abc123",
    "email": "user@example.com",
    "status": "rejected",
    "tenantId": "tenant-xyz",
    "details": {
      "fullName": "John Doe",
      "phoneNumber": "+441234567890",
      "dateOfBirth": "1990-01-15T00:00:00Z",
      "nationality": "GB",
      "countryOfResidence": "GB",
      "countryOfBirth": "GB",
      "documentNumber": "AB123456C",
      "gender": "male",
      "addresses": [
        {
          "id": "019505a1-e5f6-7a7b-c8d9-e0f1a2b3c4d5",
          "country": "GB",
          "postalCode": "SW1A 1AA",
          "city": "London",
          "state": "England",
          "address1": "10 Downing Street",
          "address2": null
        }
      ]
    }
  }
}

7. KYC.profile.requires_action

Triggered when a KYC profile requires additional action from the user.
{
  "id": "evt_f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1",
  "type": "kyc.profile.requires_action",
  "createdAt": "2026-03-11T14:00:00.123456789Z",
  "data": {
    "id": "019505a1-c3d4-7e5f-b6a7-b2c3d4e5f6a7",
    "reference": "applicant-abc123",
    "email": "user@example.com",
    "status": "requires_action",
    "tenantId": "tenant-xyz",
    "details": null
  }
}

8. KYC.profile.resubmission_requested

Triggered when KYC profile requires document resubmission.
{
  "id": "evt_a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2",
  "type": "kyc.profile.resubmission_requested",
  "createdAt": "2026-03-11T14:00:00.123456789Z",
  "data": {
    "id": "019505a1-c3d4-7e5f-b6a7-b2c3d4e5f6a7",
    "reference": "applicant-abc123",
    "email": "user@example.com",
    "status": "resubmission_requested",
    "tenantId": "tenant-xyz",
    "details": null
  }
}

9. KYC.terms.approved

Triggered when all required terms are accepted.
{
  "id": "evt_a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6",
  "type": "kyc.terms.approved",
  "createdAt": "2026-03-17T10:30:00.000000000Z",
  "data": {
    "profileId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "checkType": "terms",
    "status": "approved",
    "reference": "partner-user-ref-123"
  }
}

10. KYC.source_of_funds.approved

Triggered when source of funds questionnaire is submitted and approved.
{
  "id": "evt_b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7",
  "type": "kyc.source_of_funds.approved",
  "createdAt": "2026-03-17T10:35:00.000000000Z",
  "data": {
    "profileId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "checkType": "source_of_funds",
    "status": "approved",
    "reference": "partner-user-ref-123"
  }
}

Deposit Events

11. Deposit.pending

Triggered when an on-chain deposit is detected and awaiting KYT processing.
{
  "id": "evt_c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8",
  "type": "deposit.pending",
  "createdAt": "2026-03-17T11:00:00.000000000Z",
  "data": {
    "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "status": "pending",
    "amount": "1000000",
    "currency": "USDCe",
    "decimals": 6,
    "transactionHash": "0x1234567890abcdef1234567890abcdef1234567890abcdef1234567890abcdef",
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "createdAt": "2026-03-17T10:59:30.000000000Z"
  }
}

12. Deposit.approved

Triggered when a deposit is confirmed after KYT and funds become available.
{
  "id": "evt_d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9",
  "type": "deposit.approved",
  "createdAt": "2026-03-17T11:00:00.000000000Z",
  "data": {
    "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "status": "approved",
    "amount": "1000000",
    "currency": "USDCe",
    "decimals": 6,
    "transactionHash": "0x1234567890abcdef1234567890abcdef1234567890abcdef1234567890abcdef",
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "createdAt": "2026-03-17T10:59:30.000000000Z"
  }
}

13. Deposit.rejected

Triggered when a deposit is rejected by KYT.
{
  "id": "evt_e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0",
  "type": "deposit.rejected",
  "createdAt": "2026-03-17T11:00:00.000000000Z",
  "data": {
    "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "status": "rejected",
    "amount": "1000000",
    "currency": "USDCe",
    "decimals": 6,
    "transactionHash": "0x1234567890abcdef1234567890abcdef1234567890abcdef1234567890abcdef",
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "createdAt": "2026-03-17T10:59:30.000000000Z"
  }
}

Withdrawal Events

14. Withdrawal.completed

Triggered when a withdrawal is successfully processed on-chain.
{
  "id": "evt_f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1",
  "type": "withdrawal.completed",
  "createdAt": "2026-03-17T12:15:00.000000000Z",
  "data": {
    "id": "b2c3d4e5-f6a7-8901-bcde-f12345678901",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "status": "completed",
    "amount": "500000",
    "currency": "USDCe",
    "decimals": 6,
    "transactionHash": "0xabcdef1234567890abcdef1234567890abcdef1234567890abcdef1234567890",
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "createdAt": "2026-03-17T12:10:00.000000000Z"
  }
}

15. Withdrawal.failed

Triggered when a withdrawal fails at any stage.
{
  "id": "evt_a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2",
  "type": "withdrawal.failed",
  "createdAt": "2026-03-17T12:15:00.000000000Z",
  "data": {
    "id": "b2c3d4e5-f6a7-8901-bcde-f12345678901",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "status": "failed",
    "amount": "500000",
    "currency": "USDCe",
    "decimals": 6,
    "transactionHash": "",
    "chain": {
      "name": "gnosis",
      "id": "100"
    },
    "createdAt": "2026-03-17T12:10:00.000000000Z"
  }
}

Card Events

16. Card.created

Triggered when a virtual card is provisioned or physical card reaches pending activation.
{
  "id": "evt_b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3",
  "type": "card.created",
  "createdAt": "2026-03-17T14:00:00.000000000Z",
  "data": {
    "id": "c3d4e5f6-a7b8-9012-cdef-123456789012",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "type": "virtual",
    "status": "created",
    "last4": "4321",
    "createdAt": "2026-03-17T14:00:00.000000000Z"
  }
}

17. Card.activated

Triggered when a physical card is activated.
{
  "id": "evt_c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4",
  "type": "card.activated",
  "createdAt": "2026-03-17T15:00:00.000000000Z",
  "data": {
    "id": "c3d4e5f6-a7b8-9012-cdef-123456789012",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "type": "plastic",
    "status": "activated",
    "last4": "4321",
    "createdAt": "2026-03-17T14:00:00.000000000Z"
  }
}

18. Card.blocked

Triggered when a card is temporarily blocked.
{
  "id": "evt_d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5",
  "type": "card.blocked",
  "createdAt": "2026-03-17T15:30:00.000000000Z",
  "data": {
    "id": "c3d4e5f6-a7b8-9012-cdef-123456789012",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "type": "virtual",
    "status": "blocked",
    "last4": "4321",
    "createdAt": "2026-03-17T14:00:00.000000000Z"
  }
}

19. Card.unblocked

Triggered when a card is unblocked and restored to active status.
{
  "id": "evt_e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6",
  "type": "card.unblocked",
  "createdAt": "2026-03-17T16:00:00.000000000Z",
  "data": {
    "id": "c3d4e5f6-a7b8-9012-cdef-123456789012",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "type": "virtual",
    "status": "unblocked",
    "last4": "4321",
    "createdAt": "2026-03-17T14:00:00.000000000Z"
  }
}

20. Card.canceled

Triggered when a card is permanently canceled.
{
  "id": "evt_f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7",
  "type": "card.canceled",
  "createdAt": "2026-03-17T16:30:00.000000000Z",
  "data": {
    "id": "c3d4e5f6-a7b8-9012-cdef-123456789012",
    "accountId": "d4e5f6a7-b8c9-0123-4567-890abcdef012",
    "type": "virtual",
    "status": "canceled",
    "last4": "4321",
    "createdAt": "2026-03-17T14:00:00.000000000Z"
  }
}

Card Transaction Events

The following table shows all card transaction event types and when they are triggered:
Event TypeWhen It FiresPismo Category
card.transaction.createdNew debit authorization (purchase, withdrawal, etc.)AUTHORIZATION (debit processing codes)
card.transaction.refundCredit voucher authorization (refund to cardholder)AUTHORIZATION (credit processing codes: 20, 203100, PSM007)
card.transaction.declinedAuthorization denied by PismoDECLINED
card.transaction.clearedTransaction settled/cleared (B2 confirmation)CONFIRMATION, AIRPORT_TAX, INSTALLMENT
card.transaction.reversedFull cancellation of an authorizationCANCELLATION
card.transaction.replacementAmount adjustment on a pending authorizationREPLACEMENT
card.transaction.incrementalAdditional authorization amount addedINCREMENTAL
card.transaction.partial_cancellationPartial reversal of an authorizationPARTIAL_CANCELLATION
card.transaction.cancellation_reversalUndo of a previous cancellationCANCELLATION_REVERSAL
card.transaction.reversal_partial_cancellationUndo of a previous partial cancellationREVERSAL_PARTIAL_CANCELLATION

21. Card.transaction.created

Triggered when a new debit authorization occurs (purchase, withdrawal, etc.).
{
  "id": "evt_a1b2c3d4e5f6...",
  "type": "card.transaction.created",
  "createdAt": "2026-03-10T12:00:00.000000000Z",
  "data": {
    "id": "uuid",
    "accountId": "account-uuid",
    "cardId": "card-uuid",
    "status": "pending",
    "amount": "500000000000000000000",
    "currency": "EUR",
    "decimals": 18,
    "originalAmount": "495000000",
    "originalCurrency": "USD",
    "isCredit": false,
    "createdAt": "2026-03-10T12:00:00.000000000Z",
    "updatedAt": "2026-03-10T12:00:00.000000000Z",
    "description": "Coffee Shop",
    "authorizationId": 12345,
    "authorizationCode": "ABC123",
    "merchant": {
      "name": "Coffee Shop",
      "city": "London",
      "country": "GB",
      "categoryCode": "5812"
    },
    "entryMode": "051",
    "country": {
      "alpha2": "GB",
      "alpha3": "GBR",
      "name": "United Kingdom"
    },
    "billing": {
      "amount": "500000000000000000000",
      "currency": "EUR",
      "decimals": 18,
      "conversionRate": "1.0101"
    },
    "transactionCurrency": {
      "amount": "495000000",
      "currency": "USD",
      "decimals": 6,
      "conversionRate": "0.9900"
    },
    "cardToken": "tok_a1b2c3d4e5f6",
    "clearedAt": null,
    "isPending": true,
    "kind": "purchase",
    "transactionType": "authorization",
    "transactions": []
  }
}