Account Events
1. Account.balance.changed
Triggered when the account balance changes.Event Trigger Points
| Flow | Reason Value |
|---|---|
| Deposit approved | deposit.approved |
| Deposit rejected | deposit.rejected |
| Withdrawal completed | withdrawal.completed |
| Instant withdrawal reconciled | withdrawal.completed |
| Card authorization | card.authorization.{category} |
{
"id": "evt_abc123def456...",
"type": "account.balance.changed",
"createdAt": "2026-03-30T12:00:00.000000000Z",
"data": {
"accountId": "550e8400-e29b-41d4-a716-446655440000",
"reason": "deposit.approved",
"referenceId": "ref-123",
"balances": [
{
"currency": "EUR",
"decimals": 18,
"spendable": "1000000000000000000",
"nonSpendable": "500000000000000000",
"processingDeposits": "200000000000000000",
"processingWithdrawals": "100000000000000000"
},
{
"currency": "GBP",
"decimals": 18,
"spendable": "0",
"nonSpendable": "0",
"processingDeposits": "0",
"processingWithdrawals": "0"
},
{
"currency": "USD",
"decimals": 6,
"spendable": "1000000",
"nonSpendable": "50000",
"processingDeposits": "100000",
"processingWithdrawals": "0"
}
]
}
}
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 Type | When It Fires | Pismo Category |
|---|---|---|
card.transaction.created | New debit authorization (purchase, withdrawal, etc.) | AUTHORIZATION (debit processing codes) |
card.transaction.refund | Credit voucher authorization (refund to cardholder) | AUTHORIZATION (credit processing codes: 20, 203100, PSM007) |
card.transaction.declined | Authorization denied by Pismo | DECLINED |
card.transaction.cleared | Transaction settled/cleared (B2 confirmation) | CONFIRMATION, AIRPORT_TAX, INSTALLMENT |
card.transaction.reversed | Full cancellation of an authorization | CANCELLATION |
card.transaction.replacement | Amount adjustment on a pending authorization | REPLACEMENT |
card.transaction.incremental | Additional authorization amount added | INCREMENTAL |
card.transaction.partial_cancellation | Partial reversal of an authorization | PARTIAL_CANCELLATION |
card.transaction.cancellation_reversal | Undo of a previous cancellation | CANCELLATION_REVERSAL |
card.transaction.reversal_partial_cancellation | Undo of a previous partial cancellation | REVERSAL_PARTIAL_CANCELLATION |
21. Card.transaction.created
Triggered when a new debit authorization occurs (purchase, withdrawal, etc.).{
"id": "evt_8a3c1d4f2b6e9870c2a5b4d6e8f0a1c3",
"type": "card.transaction.declined",
"createdAt": "2026-04-24T11:17:44.082000000Z",
"data": {
"id": "f1c84a96-3d05-4b6b-9f1a-b2e7c5d8a012",
"accountId": "12c4a7e2-7a91-4f4f-9e76-1c9e1c2a2b18",
"cardId": "8a3b2c91-4d7e-49ab-bf25-ef019a4e6b20",
"status": "declined",
"amount": "20",
"currency": "EUR",
"decimals": 2,
"originalAmount": "20",
"originalCurrency": "USD",
"originalDecimals": 2,
"isCredit": false,
"createdAt": "2026-04-24T11:17:43.000000000Z",
"updatedAt": "2026-04-24T11:17:43.000000000Z",
"description": "Kindle Svcs 888-802-3080 US",
"authorizationId": 717,
"authorizationCode": "XZ0COI",
"merchant": {
"name": "Kindle Svcs",
"city": "888-802-3080",
"country": "US",
"categoryCode": "5818"
},
"entryMode": "0100",
"country": null,
"billing": {
"billingAmount": "20",
"billingCurrency": {
"symbol": "€",
"code": "EUR",
"decimals": 2,
"name": "Euro"
}
},
"transactionCurrency": {
"symbol": "$",
"code": "USD",
"decimals": 2,
"name": "US Dollar"
},
"cardToken": "8a3b2c91-4d7e-49ab-bf25-ef019a4e6b20",
"wallet": {
"provider": "apple_pay",
"deviceName": "aVBhZCAoMyk.",
"deviceType": "TABLET",
"deviceBrand": null,
"deviceModel": null
},
"clearedAt": null,
"isPending": false,
"kind": "payment",
"transactionType": "0100",
"transactions": [],
"declineReason": {
"code": "810",
"message": "Insufficient balance"
}
}
}