# Wallet Account

A wallet is a simplified account designed for individual users, onboarded via API, and subject to the following transaction limits: 

{% hint style="info" %}
Maximum daily volume: KES 20,000\
Maximum holding balance: KES 300,000
{% endhint %}

## Steps

{% stepper %}
{% step %}

### Initiate Onboarding Request

Call endpoint `/onboarding/v3/submitEasyOnboardingRequest` to initiate an onboarding request submit the text information.
{% endstep %}

{% step %}

### Confirm OTP

Call endpoint `/common/sendOtp` to request for OTP. Call endpoint `/common/confirmOperation` to confirm the OTP code received.

{% hint style="info" %}
OTP validation window is 30 minutes. `/common/sendOtp` can also be used to resend OTP. 
{% endhint %}
{% endstep %}

{% step %}

### Waiting for Reviewing

The request status becomes `2-PROCESSING` . 
{% endstep %}

{% step %}

### Get Onboarding Result

* Get it from `0001 - Personal Onboarding Result Notification`
* Query the result by calling the endpoint `/onboarding/getOnboardingStatus`
  {% endstep %}
  {% endstepper %}

{% hint style="info" %}
**NOTE**: Each mobile number and ID can only be used for **one** personal account onboarding
{% endhint %}

## Status

<figure><img src="/files/yFM5BL6yvQYmCjGFSoUl" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
For optimal onboarding results, please integrate [Smile ID](https://docs.usesmileid.com/integration-options/mobile/getting-started) document [verification](https://docs.usesmileid.com/integration-options/mobile/products/document-verification) SDK into your front-end (setting `skipApiSubmission: true`)&#x20;
{% endhint %}


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