① Onboard precreate → activate

Pre-subscribe a wallet, then activate it with an OTP (master 123456 in mock/sandbox).

Phone number

First name

Last name

OTP Run onboarding flow

② Consult balance · history · profile

Look up a wallet by contract id (balance/history) or phone (profile).

Contract id

Balance History

Phone number Client profile

③ Cash IN simulate → confirm

Credit a wallet. No OTP step.

Contract id

Phone

Amount

Run cash-in flow

④ Cash OUT simulate → otp → confirm

Debit a wallet. OTP is auto-fetched in mock/sandbox.

Phone

Amount

Run cash-out flow

⑤ Wallet → Wallet transfer simulate → otp → confirm

Move money between wallets. On-us credits the recipient wallet if it exists locally; off-us marks the recipient as external.

Sender contract id

Sender phone (mobileNumber)

Destination phone

Amount

Type on-usoff-us

Run transfer flow