Cowdidocs
API ReferenceCurrent account closures

Get the caller's current-account closure

Returns the caller's most recent closure in any lifecycle state — the in-flight OTP step, or the terminal outcome, including COMPLETED once the account itself no longer appears in account listings. Returns 404 when the caller has never started a closure.

GET
/v1/user/accounts/current/close

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

curl -X GET "https://example.com/v1/user/accounts/current/close"
{  "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",  "status": "AWAITING_OTP",  "initiated_by": "USER",  "reasons": [    "NO_LONGER_USING"  ],  "created_at": "2019-08-24T14:15:22Z",  "otp_confirmed_at": "2019-08-24T14:15:22Z",  "completed_at": "2019-08-24T14:15:22Z",  "rejection_reason": "string",  "resource_id": "string"}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "WAITING_LIST",  "description": "User is in the waiting list"}
{  "code": "TOO_MANY_REQUESTS",  "description": "Too Many Requests"}
{  "code": "INTERNAL_SERVER_ERROR",  "description": "Internal Server Error"}

Start a current-account activation POST

Verifies KYC, submits (or reuses) the wallet onboarding, creates an activation row, and dispatches an OTP via SMS. If an activation is already in progress, that in-flight activation is returned instead, so a client that retries (e.g. after losing the activation id) resumes it rather than failing, and no duplicate OTP is sent. Returns 422 if KYC is not APPROVED, 409 if the onboarding has permanently failed and awaits an operator reset. A prior OTP-timeout rejection is self-recoverable and does not block a new attempt.

Confirm the OTP for the in-flight closure POST

Verifies the code and moves the closure to OTP_CONFIRMED. The custodian bank then reviews the request; the account becomes CLOSED once the closure is approved. Returns 409 ACCOUNT_HAS_NON_ZERO_BALANCE when money arrived after the closure was started — the balance must be withdrawn before the closure can be confirmed. Returns 404 when no closure is in progress.