2.1 User Hierarchy#
The diagram illustrates the user hierarchy within RemitPro – Remittance Provider API, showing how access, identity, and transaction ownership are structured across two main levels of users.Level 1 – Partner (Root Users)Partner Business and Partner Individual accounts are created directly under the Remittance Provider API as primary partners.
Both types of partners operate using a Level 1 (Root) user key, which provides them with direct access to the API.
Each Level 1 partner has a dedicated wallet in USD for managing remittance funds.
When transactions are executed using a Level 1 user key, the sender identity is recorded as Level 1.
KYB (Know Your Business) applies to Partner Business.
e-KYC (Know Your Customer) applies to Partner Individuals.
Level 2 accounts are created and managed under a specific Level 1 partner, extending the hierarchy.
Two account types exist at this level: Member Business and Individual.
They use a Level 2 user key for authentication and also maintain a wallet in USD.
When transactions are initiated using a Level 2 user key, the sender identity is recorded as Level 2, making it distinct from the parent Level 1 account.
KYB is required for Member Business.
e-KYC is required for Member Personal.
2.2 Cross Border Transfer#
1.
Partner: Partner of RemitPro offering solution built using RemitPro’s API to its end customers.
2.
Partner’s Member: Members registered by partners via API to send remittances.
3.
RemitPro: A remittance API provider offering a comprehensive solution for secure and seamless international fund transfers.
4.
Remittance Provider: RemitPro collaborates with network partners who act as intermediaries to extend service coverage.
5.
Receiving Institution: An institution or entity that receives funds and has a relationship with the recipient through an account number.
6.
Recipient: One who receives the money from the Sender. It can be a personal or a business entity.
2.3 Member Creation#
Members are used if you have other partners who need access to remittance services through the API, you can register these partners as members in the system. Members are external entities, either personal or business, that can be integrated into your system to perform remittance transactions.Once successfully registered through the API, the member can act as a sender and perform fund transfer transactions to recipients through the available endpoints. This functionality enables full automation from the partner's side in registering senders and processing remittance transactions.Member registration as a sender is an important step in the integration process, as every remittance transaction requires valid, complete, and verified sender data according to applicable compliance standards. Through this approach, you can expand your remittance service ecosystem in an efficient, controlled, and secure manner.There are two types of members that can be registered as senders:1.
Business: a legal entity such as a company or organization that performs remittance transactions on behalf of a business entity.
2.
Personal: individuals who send funds personally.
If the onboarding process is carried out as a member, then all subsequent transactions will be recorded under that member’s name. This means the sender identity in each transaction will represent the onboarded member.In addition, the system supports POBO (Pay On Behalf Of), where a partner can initiate payments on behalf of a member. In this scenario, the transaction is still recorded under the member’s identity, ensuring compliance and proper attribution.
2.3.1 Member Business#
Partner’s members for business entities can be registered through the endpoint: {{hostname}}/api/v1/partner/members/business.
Member data will be verified by the RemitPro team, including BD, Finance, Compliance, and Legal.
RemitPro performs the member KYB (Know Your Business) process.
RemitPro will proceed with creating the member’s wallet.
RemitPro will proceed API Credential (User Key) for Member
(User Key) for Member will be activated and can use remittance services
2.3.2 Member Personal#
Partner’s members for personal entities can be registered through the endpoint: {{hostname}}/api/v1/partner/members/personals.
Member data will be verified by the RemitPro team, including BD, Finance, Compliance, and Legal.
The member will undergo the KYC (Know Your Customer) verification process.
RemitPro will then proceed with creating the member’s wallet.
RemitPro will proceed API Credential (User Key) for Member
(User Key) for Member will be activated and can use remittance services
