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The Account Lifecycle

Kobo ensures strict adherence to a finite state machine for all Identities. An identity can only transition through specific states, providing absolute safety against unauthorized operations.

Lifecycle States​

  • Pending: The identity has been registered in Kobo, but the virtual account provisioning process is still communicating with Alat.
  • Active: The identity is fully provisioned. The virtual account is active and can receive and reconcile funds.
  • Limited: The identity has hit a predefined compliance or volume limit (e.g., KYC ceiling). The account is active but payouts or specific operations might be restricted until upgraded.
  • Closing: A termination request has been received. Inbound payments will now be rejected.
  • Closed: The account is fully decommissioned. The underlying virtual account is deactivated at Alat, and no further operations can occur.

State Transitions​

Transitions are handled entirely by the Kobo Core engine. For example, you cannot manually force an account from Closed to Active without hitting the dedicated /reopen endpoint which evaluates the legality of the transition.