Crypto as a Service (CaaS)

NotBank offers a "Crypto as a Service" (CaaS) that provides a robust and documented technical infrastructure (API) for third parties (fintechs, banks or wallets) to quickly integrate complete cryptocurrency and digital asset functionalities under their own brand. This solution allows institutions to offer their customers services such as secure custody, wallet management, instant fiat-to-crypto conversion, and send/receive operations, without the need to develop from scratch the complexity of the blockchain, the backend, security or regulatory compliance. Essentially, NotBank manages the technical side, the risks and the infrastructure, acting as a bridge between the traditional financial world and the crypto ecosystem, allowing its clients to focus solely on the user experience and their business strategy.

To begin using Crypto as a Service (CaaS), the interested party must formalize their request by signing a service agreement. This contract clearly establishes the terms of use, responsibilities and commercial agreements. To start this process, it is necessary to contact our support team by clicking on the link provided. This link will direct you to a specific contact form that you must complete. Once we receive your request through the form, our team will promptly send you the contract for your review and subsequent signature.

1. Authentication in Notbank

Authentication to access the Notbank API is carried out securely by combining confidential API credentials with a specific user identifier. These credentials, obtained in the prior step, act as proof of identity of the client application. By including the user identifier together with these credentials in the request, the API can verify the identity of the caller and, crucially, authorize operations at the level of the specific user account within the Notbank ecosystem, ensuring that only relevant data and actions are available.

Node

import { NotbankClient } from 'notbank';

// create http rest client
const restClient = NotbankClient.Factory.createRestClient();

// authentication
await restClient.authenticateUser({
  ApiPublicKey: "public-key",
  ApiSecretKey: "secret-key",
  UserId: "user-uuid"
});

cURL

2. Register a client in Notbank

If you want to expand your own business and offer cryptocurrency services to your users, our registration through the Crypto as a Service (CaaS) option is the right one. This powerful integration will allow you to onboard and manage your own customers within the Notbank ecosystem, acting as a bridge between your users and all the functionalities of our platform.

Node

import { NotbankClient } from 'notbank';

// ..

// register client
const user = await restClient.getRegisterService().registerUser({
  first_name: "Juan",
  last_name: "Pérez",
  phone_number: "[phone]",
  language: "es"
});
const clientUserId = user.userId;

cURL

3. Leveling up in Notbank

Notbank structures platform access and functionalities through a hierarchical system of verification levels, designed to ensure security and provide progressive operational capabilities. The initial level is the Observer, which is restricted only to viewing information and data, preventing any kind of operation or transaction on the platform. From there, the levels Basic, Advanced, and Advanced Plus mark subsequent improvements significantly increasing operational options, transaction limits and features enabled for the user. The system culminates with the Institutional, level reserved only for entities and organizations, which provides the broadest and most specialized set of platform tools and permissions.

3.1 Upgrade to basic level

Node

// ...
import { Gender, Profession, CLComune } from "notbank/lib/models/enums";

// ...
await restClient.getVerificationService().verifyBasic({
  is_business: false,
  profession: Profession.TRADER,
  gender: Gender.MAN,
  city: "Santiago",
  street: "Calle 43",
  country: "CL",
  commune: CLComune.SANTIAGO,
  user_id: clientUserId
});

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3.1.1 Glossary

Gender

Value	Description
0	Female
1	Male

Profession

Province (AR)

State (BR)

Commune (CL)

3.2. Upgrade to advanced level

Node

// ...
import { readFileSync } from 'fs';
import { DocumentAdressType } from "notbank/lib/models/enums";

const document = new File([readFileSync("document.pdf")], "document.pdf");
await restClient.getVerificationService().verifyTrader({
  pep: false,
  subject_comply: false,
  is_public_servant: false,
  document_address_file: document,
  document_address_type: DocumentAdressType.CREDIT_CARD_BILL,
  user_id: clientUserId
});

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3.2.1 Glossary

Document type

Value	Description
3	Service
30	Verified address
35	Credit card bill
36	Payrolls
37	Neighbor certificate
38	Notarial proof of residence
39	Product invoice with proof of payment
41	Service with birth
40	Service with marriage
42	Driver's license with address

4. Send and receive cryptocurrencies

The cryptocurrency wallets of Notbank offer a secure and accessible gateway to the dynamic world of digital assets. Designed to satisfy both beginners and experienced investors, they stand out for their wide compatibility, covering a large variety of market-leading coins and networks allowing users to manage their portfolio in a single, convenient place. A key point of Notbank is its commitment to user profitability, offering low fees that optimize each transaction. In addition, security is the highest priority; backed by Notbank, these wallets incorporate state-of-the-art protection protocols and advanced security measures to ensure that users' funds and privacy are safeguarded at all times.

4.1. Create a wallet to receive cryptocurrencies

4.1.1 Get the available networks

Given the large number of coins and networks that Notbank supports, it is first necessary to obtain the available networks for a cryptocurrency.

Node

// ...
const networks = await restClient.getWalletService().getNetworksTemplates({
  currency: "USDT"
});

console.log(networks);
// [
//   {
//     currency: 'USDT',
//     network: 'USDT_BSC',
//     network_name: 'BNB Smart Chain',
//     network_protocol: 'BEP-20',
//     template: [
//       [Object],
//       [Object]
//     ]
//   }
// ]

cURL

4.1.2 Obtain a wallet

Using the network code ( network ) obtained in the previous step plus the currency code (currency) you can request your wallet address.

Node

// ...
const addresses = await restClient.getWalletService().getDepositAddresses({
  user_id: clientUserId
  account_id: clientAccountId,
  currency: "USDT",
  network: "USDT_BSC",
});

console.log(addresses)
// ["2N3r9roRrHy7p6C5pGE8NQP9ZNT81H7ZKyU"]

cURL

4.2 Add address to the whitelist

To ensure the highest security of your assets, at Notbank it is necessary to previously register destination addresses in a whitelist before making any cryptocurrency transfer. This additional protection measure helps prevent unauthorized withdrawals and ensures that your funds are sent only to trusted wallets verified by you.

4.2.1 Add an address

Node

// ...
const whitelistAddressId = await restClient.getWalletService().addWhitelistedAddress({
  user_id: clientUserId
  account_id: clientAccountId,
  currency: "USDT",
  network: "USDT_BSC",
  address: "2N3r9roRrHy7p6C5pGE8NQP9ZNT81H7ZKyU",
  label: "test-address-name",
  otp: "123456"
});

console.log(whitelistAddressId);
// f3d1ddc3-2767-4b99-8763-a0990361009d

The value of the parameter otp corresponds to the two-step authentication code provided by your external application at the time of requesting your transfer.

Notbank will send you a confirmation code to your phone number, with which you will have to confirm the new address you are adding to the whitelist.

4.2.2 Confirm an address

Node

// ...
await restClient.getWalletService().confirmWhitelistedAddress({
  user_id: clientUserId
  account_id: clientAccountId,
  whitelistedAddressId: "f3d1ddc3-2767-4b99-8763-a0990361009d",
  sms_code: "1234567",
});

4.3. Send your cryptocurrencies to another wallet

Node

// ...
const withdraw = await restClient.getWalletService().createCryptoWithdraw({
  user_id: clientUserId
  account_id: clientAccountId,
  currency: "USDT",
  network: "USDT_BSC",
  address: "2N3r9roRrHy7p6C5pGE8NQP9ZNT81H7ZKyU",
  amount: 12.3,
  otp: "123456"
});

console.log(withdraw);
// 0ea47288-76dd-4dd5-a544-e8af547ed3c7

cURL

The value of the parameter otp corresponds to the two-step authentication code provided by your external application at the time of requesting your transfer.

5. Buy, sell and convert cryptocurrencies

Discover Simple, the functionality designed so that buying, selling and converting cryptocurrencies is a simple, fast and secure experience for everyone. Forget about complex interfaces and order types; with Simple, you can execute your transactions intuitively in a few steps. This tool is perfect both for those starting out in the crypto world and for advanced users looking for speed. In addition to its ease of use, Simple stands out for offering an affordable transaction fee, allowing you to optimize your operations and making your entry into the crypto market not only efficient but also accessible.

5.1 Buy cryptocurrencies with fiat currency

In this example, we will request the amount of Bitcoin (BTC) we would receive if we used 100,000 Chilean pesos (CLP). Then we will check the promised amount, which is valid for 20 seconds and finally, we will execute the purchase.

The amounts attached in the examples are for educational purposes and do not represent the current state of the market.

5.1.1 Request quote

Node

const quoteId = await restClient.getQuoteService().createDirectQuote({
  from_currency: "CLP",
  from_amount: 100000,
  to_currency: "BTC",
  operation: 1, // BUY
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quoteId)
// c1c56ca3-75c3-4bb6-97e3-702448382cd3

5.1.2 Check quote

Node

// ...
const quote = await restClient.getQuoteService().getQuote({
  quote_id: "c1c56ca3-75c3-4bb6-97e3-702448382cd3",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 0 // pending
console.log(quote.amount_out)
// 0.0013 // BTC

5.1.3 Execute quote

Node

// ...
const quote = await client.getQuoteService().executeQuote({
  quote_id: "c1c56ca3-75c3-4bb6-97e3-702448382cd3",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 0 // pending
console.log(quote.amount_out)
// 0.0013 // BTC

// After a few moments, check the request status again
const quote = await restClient.getQuoteService().getQuote({
  quote_id: "c1c56ca3-75c3-4bb6-97e3-702448382cd3",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 1 // executed
console.log(quote.amount_out)
// 0.0013 // BTC

5.2 Sell cryptocurrencies for fiat currency

In this example, we will request the amount of Chilean pesos (CLP) we would receive if we used 0.0013 Bitcoin (BTC). Then we will check the promised amount, which is valid for 20 seconds and finally, we will execute the purchase.

The amounts attached in the examples are for educational purposes and do not represent the current state of the market.

5.2.1 Request quote

Node

const quoteId = await restClient.getQuoteService().createDirectQuote({
  from_currency: "BTC",
  from_amount: 0.0013,
  to_currency: "CLP",
  operation: 2, // SELL
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quoteId)
// 1b09948d-2169-4f93-84ec-a55fb1741663

5.2.2 Check quote

Node

// ...
const quote = await restClient.getQuoteService().getQuote({
  quote_id: "c1c56ca3-75c3-4bb6-97e3-702448382cd3",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 0 // pending
console.log(quote.amount_out)
// 100000 // CLP

5.2.3 Execute quote

Node

// ...
const quote = await client.getQuoteService().executeQuote({
  quote_id: "1b09948d-2169-4f93-84ec-a55fb1741663",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 0 // pending
console.log(quote.amount_out)
// 100000 // CLP

// After a few moments, check the request status again
const quote = await restClient.getQuoteService().getQuote({
  quote_id: "1b09948d-2169-4f93-84ec-a55fb1741663",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 1 // executed
console.log(quote.amount_out)
// 100000 // CLP

5.3 Convert cryptocurrencies

In this example, we will request the amount of Ethereum (ETH) we would receive if we used 1 Bitcoin (BTC). Then we will check the promised amount, which is valid for 20 seconds and finally, we will execute the purchase.

Conversion is not limited to transactions between cryptocurrencies, but to any possible combination: cryptocurrency to cryptocurrency, fiat to cryptocurrency, cryptocurrency to fiat and fiat to fiat.

The amounts attached in the examples are for educational purposes and do not represent the current state of the market.

5.3.1 Request quote

Node

const quoteId = await restClient.getQuoteService().createDirectQuote({
  from_currency: "BTC",
  from_amount: 1,
  to_currency: "ETH",
  operation: 3, // CONVERSION
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quoteId)
// fc4ffe0e-b87a-4e1f-a727-f6ddae7dc1e0

5.3.2 Check quote

Node

// ...
const quote = await restClient.getQuoteService().getQuote({
  quote_id: "fc4ffe0e-b87a-4e1f-a727-f6ddae7dc1e0",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 0 // pending
console.log(quote.amount_out)
// 30 // ETH

5.3.3 Execute quote

Node

// ...
const quote = await client.getQuoteService().executeQuote({
  quote_id: "fc4ffe0e-b87a-4e1f-a727-f6ddae7dc1e0",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 0 // pending
console.log(quote.amount_out)
// 30 // ETH

// After a few moments, check the request status again
const quote = await restClient.getQuoteService().getQuote({
  quote_id: "fc4ffe0e-b87a-4e1f-a727-f6ddae7dc1e0",
  user_id: clientUserId
  account_id: clientAccountId,
});

console.log(quote.status)
// 1 // executed
console.log(quote.amount_out)
// 30 // ETH

6. Deposit and withdraw fiat

To facilitate the management of your funds, Notbank offers its users a wide variety of payment methods designed to suit their needs. Customers can load fiat currency balance into their accounts quickly and securely, choosing among traditional options such as bank transfers, using credit cards or integrating with modern payment gateways. This flexibility ensures that each user can manage their capital with total convenience and under the highest standards of financial security.

6.1 Add bank account

6.1.1 Get list of supported banks

Node

// ...
const banks = await restClient.getWalletService().getBanks({
  country: "CL"
});

console.log(banks);
// [
//   {
//     "id": "7aa9d19d-01b6-4993-8075-0e922bf471d2",
//     "name": "Banco de Chile",
//     "country": "CL"
//   },
//   {
//     "id": "388c4c6f-d0b5-4a42-927c-bbcc64e7ce2e",
//     "name": "Banco Estado",
//     "country": "CL"
//   }, ...
// ]

6.1.2 Add bank account

Node

// ...
const userBankAccount =  restClient.getWalletService().AddClientBankAccount({
  user_id: clientUserId,
  country: "CL",
  bank: "388c4c6f-d0b5-4a42-927c-bbcc64e7ce2e",
  number: "11111111",
  kind: "vista",
  // pix_type: string; Brazil (BR) only
  // agency: string; Brazil (BR) only
  // dv: string; Brazil (BR) only
  // province?: string; Peru (PE) only
});

console.log(userBankAccount.id);
// 29cd83cf-3678-4207-80c7-7caaa1d24c27

Glossary

Bank account type

Country	Value	Description
Argentina (AR), Chile (CL), Peru (PE), Colombia (CO)	corriente	Checking account
Argentina (AR), Chile (CL)	vista	Sight account
Argentina (AR), Chile (CL), Peru (PE), Colombia (CO)	ahorro	Savings account
Argentina (AR), Chile (CL)	electronic_checkbook	Electronic checkbook
Argentina (AR)	ar_cbu	CBU account
Argentina (AR)	ar_cvu	CVU account
Argentina (AR)	ar_alias	Alias
Brazil (BR)	br_corriente_fisica	Individual checking account
Brazil (BR)	br_simple_fisica	Individual simple account
Brazil (BR)	br_corriente_juridica	Corporate checking account
Brazil (BR)	br_poupanca_fisica	Individual savings account
Brazil (BR)	br_poupanca_juridica	Individual savings account
Brazil (BR)	br_caixa_facil	Caixa Fácil account
Brazil (BR)	br_pix	PIX account

PIX account type

6.2 Notify a deposit

At Notbank, we have optimized the process of receiving funds to offer you an agile and secure experience in managing your assets. Currently, we support the notification of fiat currency deposits through traditional bank transfers for all the countries where we operate, additionally integrating exclusively the Webpay method for Chile, which allows immediate and efficient validation for users in that region. We are continuously working to expand our operational capabilities, so we will soon add new payment methods to our API, providing greater flexibility and reach to our global financial solutions.

6.2.1 Bank notification

Node

// ...
await restClient.getWalletService().createFiatDeposit({
  user_id: clientUserId,
  account_id: clientAccountId,  
  payment_method: 1,  // bank transfer
  currency: "CLP",
  amount: 1000,
  bank_account_id: "29cd83cf-3678-4207-80c7-7caaa1d24c27",
  // voucher: File. Peru (PE) only.
});

6.2.2 Webpay notification

Node

// ...
const url = await restClient.getWalletService().createFiatDeposit({
  user_id: clientUserId,
  account_id: clientAccountId,  
  payment_method: 2,  // webpay
  currency: "CLP",
  amount: 1000
});

console.log(url);
// https://...

6.3 Notify a withdrawal

Notbank guarantees a global financial experience by offering fiat withdrawal services in all countries where the platform has a presence, allowing users to convert their digital assets into local money efficiently. However, it is important to note that there is a special case for Argentina: due to specific validation processes in that region, it is essential that the user confirms the withdrawal notification within the application to complete the transaction successfully.

6.3.1 Bank withdrawal notification

Node

await restClient.getWalletService().createFiatWithdraw({
  user_id: clientUserId,
  account_id: clientAccountId, 
  payment_method: 1,
  currency: "CLP",
  amount: 1000,
  bank_account_id: "29cd83cf-3678-4207-80c7-7caaa1d24c27"
});

6.3.2 Bank withdrawal notification in Argentina

Get information of a destination CBU account

Node

// ...
const owners = await restClient.getWalletService().getOwnersFiatWithdraw({
  cbu: "6845784411100069899422"
});

console.log(owners);
// [
//   {
//     "person_type": "F",
//     "cuit": "CUIT number",
//     "name": "Person name"
//   }, ...
// ]

Notify a bank withdrawal

Node

// ...
const withdrawId = await restClient.getWalletService().createFiatWithdraw({
  user_id: clientUserId,
  account_id: clientAccountId, 
  payment_method: 1,
  currency: "ARS",
  amount: 1000,
  cbu: "6845784411100069899422",
  person_type: "F",
  cuit: "CUIT number",
  name: "Person name"
});

console.log(withdrawId);
// 32347216-4a4c-49ee-b0a5-1ad993fe522b

When you notify a bank withdrawal, Notbank will send a confirmation code to your email which you must then enter in the next step.

Confirm a bank withdrawal

Node

// ...
await restClient.getWalletService().confirmFiatWithdraw({
  user_id: clientUserId,
  withdrawal_id: "32347216-4a4c-49ee-b0a5-1ad993fe522b",
  attempt_code: 123456
});