Funding your wallets

Two ways in. Both credit the prepaid wallet of that currency. Permanent accounts (recommended). A dedicated NGN bank account and USD account (Gravv: account + routing number). Pay in any time, any amount, no limit. Requires company verification:

Step	Call	Notes
1	`POST /organizations/:orgId/kyc`	`legalName, registrationNumber, taxId?, address{line1,line2?,city,state?,postalCode,country}, director{firstName,lastName,email,phone,dateOfBirth}, documents[{type,url}]`. Returns `usd.gravvKycUrl`: the director completes Gravv’s hosted verification there.
2	—	GTW reviews. `GET /organizations/:orgId/kyc` shows the status.
3 (NGN)	`POST /organizations/:orgId/kyc/bvn` — `bvn`	After approval. An OTP is texted to the phone on the director’s BVN.
4 (NGN)	`POST /organizations/:orgId/kyc/bvn/confirm` — `bvn, otp`	Opens the NGN account immediately. The BVN is never stored.
4 (USD)	—	Opens automatically when GTW and Gravv have both approved. `POST /kyc/usd/start` re-issues the Gravv link.

Temporary top-ups (no verification needed). Ask for a specific amount; get one-time payment details.

Method	Path	Permission / scope
GET	`/organizations/:orgId/funding` · `/funding`	`wallets:read` — permanent accounts, cap usage
POST	`/organizations/:orgId/funding/top-ups` · `/funding/top-ups` — `currency, amount`	`wallets:fund`
GET	`/organizations/:orgId/funding/top-ups[/:id]` · `/funding/top-ups/:id`	`wallets:read`
POST	`/organizations/:orgId/funding/top-ups/:id/simulate-payment` — `amount?`	sandbox only
POST	`/organizations/:orgId/sandbox/funding-accounts`	sandbox only, after approval: opens simulated permanent NGN and USD accounts

NGN: a virtual bank account for exactly that amount, valid 60 minutes. Other amounts are rejected by the bank.
USD: Gravv bank-transfer instructions (instructions.instruction).
Limit: USD 2,000 (NGN at GTW’s rate) per rolling 30 days, counting pending top-ups, per organisation. Over it → 422 temporary_funding_limit with details.remaining. GTW can raise it per organisation. Permanent accounts are not limited.
The wallet is credited with what GTW actually receives (net of the bank’s fees), once the provider confirms the payment, usually within a minute.

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