GuideReference

Customers

Busha Business accounts extend beyond just managing your enterprise's financial flows. They now offer a robust framework for programmatically overseeing and executing transactions on behalf of your end-customers—be they individual users or other businesses. This capability allows you to integrate a multi-layered financial service directly within your application, abstracting underlying complexities.

At its core, Customer Management introduces the concept of operating within a customer context. This means that while your Busha Business account remains the primary authenticated entity, you can designate specific transactions to occur on a particular end-customer's behalf, affecting their dedicated balances within your Busha ecosystem.

Core ConceptCopied!

Within Busha's Customer Management framework, an end-customer is an entity you define and manage under your Busha Business account. This distinct customer profile allows for:

  • Dedicated Balances: Each end-customer can hold their separate fiat and crypto balances, ensuring clear segregation of funds.

  • Transaction Attribution: All operations performed within a customer's context are accurately attributed to them, simplifying reconciliation and reporting for your business.

  • Contextual Operations: Busha business owners can perform any transaction available to a standard Busha account (e.g., deposits and payouts) while specifying that the action is for, and impacts, a particular end-customer's balances. This is managed through explicit identification of the customer in API requests or via specific UI flows in the dashboard.

Architectural Overview: Extending Your API ControlCopied!

The Customer Management feature extends the existing Busha Business API, allowing you to programmatically control the lifecycle of your customers and their associated financial activities. This is achieved through dedicated customer management API endpoints and a mechanism to apply a customer context to general transaction endpoints.

API-Driven Customer Lifecycle

For API requests involving a customer, the X-BU-PROFILE-ID field is included in the request header. The value for this field is the customer ID for whom the request is performed on their behalf.

Your integration can manage customers through the following key API interactions:

  1. Creating Customer Profiles

    You can provision new individual or business customer profiles under your Busha Business account via a dedicated API endpoint (e.g., POST /v1/customers). This allows for automated onboarding processes directly from your application. Each successfully created customer will be assigned a unique customer_id.

  2. Retrieving and Listing Customers:

    To manage your customer base, you can retrieve a list of all your registered customers (e.g., GET /v1/customers). This provides an overview of their profiles, enabling you to retrieve specific customer details as needed.

  3. Executing Transactions within a Customer Context:

    This is where the power of Customer Management is most evident. When performing a transaction via API (e.g., initiating a payout), you use your Secret API Key for authentication (proving your business's identity).

    1. To specify that the transaction is on behalf of one of your customers, you will include their unique customer_id in a designated HTTP header (e.g., X-BU-PROFILE-ID: your_customer_id).

    2. The Busha API will then process the request, impacting the balances and transaction history associated with that specific customer_id. The same underlying logic applies when performing actions via the Busha Dashboard.

Benefits for Technical IntegratorsCopied!

  • Unified API Interaction: Leverage a single set of Busha API credentials (Secret API Key, X-BU-PROFILE-ID) to manage both your own business's funds and those of your end-customers by simply varying the customer_id context.

  • Simplified Fund Segregation: Busha handles the underlying complexity of maintaining separate balance accounts for each of your customers, reducing your development burden for ledger management.

  • Granular Transaction Attribution: Every operation is precisely attributed to the correct end-customer, simplifying reconciliation, reporting, and audit trails for your platform.

  • Customizable User Journeys: Design your application's frontend entirely to your specifications, while relying on Busha's robust backend for secure and compliant financial operations for your customers.

  • Automated Compliance: One of the most significant advantages of managing your customers through Busha Business is the ability to offload the complexities of regulatory compliance. By integrating your customers into Busha, you can now rely on Busha's established and trusted infrastructure to handle critical compliance functions seamlessly:

    • KYC (Know Your Customer): We manage the verification processes for individual customers, ensuring their identity is confirmed in line with regulatory requirements.

    • KYB (Know Your Business): For your business customers, Busha handles the necessary due diligence to verify their legal entity status and operational legitimacy.

    • KYT (Know Your Transaction): Our systems continuously monitor and analyze transactions for suspicious activities, helping to detect and prevent financial crime.

    • Travel Rule Compliance: For crypto transfers that fall under the Travel Rule, Busha's infrastructure assists in collecting and transmitting required originator and beneficiary information, ensuring adherence to global anti-money laundering (AML) standards.

    This comprehensive compliance coverage means you can focus on your core business offerings, confident that the intricate and ever-evolving regulatory landscape is being managed by a specialized and reliable partner.

Next StepsCopied!

To begin integrating Customer Management into your application: