Cowdidocs
API ReferenceCurrent account

Get the caller's current-account summary

GET
/v1/user/accounts/current/summary

Returns aggregate figures for the caller's current account. For now the only figure is the interest the account earned. Requires an authenticated, active user. The figures come from the transaction ledger, which keeps about 12 months of history. It does not count older credits.

Authorization

oauth2
AuthorizationBearer <token>

Create a client with POST /v1/oauth/clients, then exchange its credentials for an access token. AUTHORIZATION_CODE clients act on behalf of a signed-in user and always use PKCE; CLIENT_CREDENTIALS clients act as themselves. A client may only be granted scopes its creator already holds — read the grantable list from GET /v1/oauth/clients/scopes.

In: header

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

application/json

curl -X GET "https://example.com/v1/user/accounts/current/summary"
{  "interest_earned": {    "value": 25000,    "currency": "KES"  }}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "FORBIDDEN",  "description": "Forbidden"}
{  "code": "BAD_REQUEST",  "description": "Invalid input"}
{  "code": "RATE_LIMIT_EXCEEDED",  "description": "Too Many Requests"}
{  "code": "INTERNAL_ERROR",  "description": "Internal Server Error"}

Open the caller's current account POST

Creates the caller's current account in `PENDING` status. Requires an authenticated, active user. Returns 400 when the caller's organization does not allow self-service account creation. Returns 409 when the caller already has a non-closed current account. Continue with `POST /v1/user/accounts/current/activations` to activate the account.

Upgrade the caller's current account POST

Submits the caller's KRA PIN, selfie, and ID photos to the wallet provider. The provider raises the account from its capped entry tier to the full current-account tier. Requires an authenticated, active user. The upgrade finishes later through a provider callback. The account's limits rise only once the callback confirms success. Returns 409 when the caller has no active, upgradeable current account, or an upgrade is already in progress.