B2B Products at Kulipa

With Kulipa, you can issue cards to company employees, acting on behalf of a company. These cards differ from B2C cards in several ways:

Multiple users and associated cards can be set up against a single wallet.
A user can have multiple wallets associated (note: this is done technically by duplication of the user, each connected to a single wallet).
The card code with the networks is B2B rather than B2C, which can translate to different rules & interchange rates.

Onboarding

Currently, company creation is manual:

Each company has a name, identifier, and status (inactive / active), user kyc requirement (auto-approve, required).
Companies must pass a KYB process after which they become active.
Based on the setup and KYB process, users under the company are typically auto-approved and do not require a separate
KYC process.
- When creating users, the companyId must be filled.
- New users will be active if their company is active and kyc requirement of company is auto-approve
- If a company becomes active and its kyc requirement is auto-approve, any users already created will also become
  active in the process.
- If kyc requirement is required, new users will always have to also complete an individual KYC process.