> ## Documentation Index
> Fetch the complete documentation index at: https://docs.uknvas.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Funding your wallets

> Permanent bank accounts after company verification, or one-off top-ups without it.

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.


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.