Quick Start

Overview

This Quick Start guide prepares you for submitting your first transaction request by walking you through sandbox registration, compliance model selection, and customer onboarding using our Business API.

1. Register for Sandbox Access

Self-Serve Registration

Registration to our Business Dashboard in Sandbox is self-serve.

Register for a Sandbox Account using the business email address responsible for your integration.
Once registered, you can immediately access the Business Dashboard and generate API credentials.

note

Your Noah Business contact will initiate Know Your Business (KYB) checks and Onboarding review in parallel. You can begin your integration and test in the sandbox while Onboarding is in progress.

2. Generate Your API Key

Once registered:

Log into your Business Dashboard at business.sandbox.noah.com.
Navigate to Configuration → API → API Keys → Create New
Provide a Label to identify your API Key.
Optionally set an Expiry Date—if provided, your API Key will become invalid as of that date.

We recommend storing your API Key as a securely stored parameter in your Key Storage solution, so that your development team can access our API.

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Review the Authentication docs for details on using your API key securely.

Request Signing

Noah provides additional authentication via Request Signing, where requests are signed with a Public-Private Key Pair. Your Public Key is provided to us via the Business Dashboard when creating an API Key.

Environment	Requirement
Sandbox	Optional
Production	Mandatory

We recommend implementing Request Signing as an integration-readiness step before migrating to Production.

Reliance Model (Licensed Entities)

For businesses with Financial Institution licensing (MSBs, VASPs, or equivalent).

In this model:

Your licensed entity undergoes an advanced onboarding process where we vet your Onboarding and AML policies.
You can synchronously onboard customers to Noah via the API.
Perform stablecoin settlements to and from your Custodian or Pre-Funded balance.

warning

USD payments are not available via Reliance Model.

Standard Model (Unlicensed Entities & USD Payments)

For businesses leveraging Noah's licensing to facilitate payments for their customers.

In this model:

Your customers are onboarded directly to Noah.
Noah performs KYC/KYB on your customers and notifies you when approved.
Customers settle directly to and from Noah's payments infrastructure.
Stablecoins settle to your customer's self-custody wallet address.

tip

For more on compliance requirements, see Compliance Models.

4. Onboard Your First Customer

Follow the integration path for your compliance model.

Reliance Model: Synchronous Customer Creation

Call the PUT Customers endpoint to create a customer with KYC data you've already collected:

curl -X PUT "https://api.sandbox.noah.com/v1/customers/cust54321" \
     -H "X-Api-Key: YOUR_SANDBOX_API_KEY" \
     -H "Content-Type: application/json" \
     -d '{
           "Type": "Individual",
           "FullName": {
             "FirstName": "John",
             "LastName": "Doe",
             "MiddleName": "Tester"
           },
           "DateOfBirth": "1992-03-25",
           "Email": "john.doe@example.com",
           "PhoneNumber": "+34671234567",
           "Identities": [
             {
               "IssuingCountry": "ES",
               "IDNumber": "123456789",
               "IssuedDate": "2019-06-15",
               "ExpiryDate": "2029-06-15",
               "IDType": "Passport"
             }
           ],
           "PrimaryResidence": {
             "Street": "Calle Mayor 45",
             "Street2": "Piso 2B",
             "City": "Madrid",
             "PostCode": "28013",
             "State": "MD",
             "Country": "ES"
           }
         }'

Replace YOUR_SANDBOX_API_KEY with your API Key generated from the Business Dashboard.
On success, the 200 response confirms the customer record was created.
View this customer in your Business Dashboard under the Customers section.

Standard Model: Customer Onboarding Options

Noah performs KYC on your customers. Choose from three onboarding methods:

Share existing KYC data (ID documents + Proof of Liveness) from your SumSub integration.

See: SumSub Token Share Recipe

Option B: Prefill Customer Data

Prefill and share text-based customer data with Noah, then let the customer complete verification.

See:

Option C: Hosted Onboarding

Generate a Hosted Onboarding Recipe session for a fully managed KYC flow.

info

Noah will notify you via webhook when the customer's Onboarding Status is approved and they're ready to transact.

5. Test in Sandbox

Simulate Fiat Deposits

Use our Fiat Deposit simulation endpoint to test deposits from fiat currencies in sandbox.

Testnet Currencies

In sandbox, we operate Testnet currencies with custom stablecoin equivalents. These have enough liquidity to test both small and larger transactions.

tip

To request testnet funds, contact your account manager.

6. Build Your Use Case

Refer to our integration journeys for your chosen use case:

Fiat-to-Crypto (Bank Onramp)

Create a Virtual Account that automatically converts fiat deposits to stablecoins and withdraws onchain to a destination address.

Reliance Model: Destination is your custodian wallet.
Standard Model: Destination is your customer's wallet address.

See: Bank Onramp Recipe

Crypto-to-Fiat (Automated Payouts)

Standard Model

Create a Deposit Address for your customer to deposit stables, which automatically convert to fiat and withdraw to the beneficiary.

See: Automated Payouts Recipe

Global Payouts

Reliance Model

Prefund Noah via the Dashboard, then instruct last-mile payouts to beneficiaries worldwide.

See: Global Payouts Recipe

Hosted Checkout

Offer a streamlined payment interface to your customers to accept or payout fiat in 120+ currencies.

See: Hosted Checkout

7. Configure Webhooks

Set up webhook subscriptions to receive real-time updates on transaction and onboarding statuses.

See: Webhook Subscriptions →

8. Migrate to Production

Once your Onboarding and KYB procedures are complete, our team will guide you through migration to production:

Complete integration testing in sandbox.
Enable Request Signing (required for production).
Coordinate production credentials with your Noah contact.
Perform production validation testing.

We'll work closely with you to ensure a frictionless production launch.

tip

Additional Resources

• Compliance & Identity – Dive deeper into KYC and AML requirements.
• API Reference – Full endpoint documentation, request/response schemas, and usage notes.
• Global Payouts API – If you need to send funds globally in multiple payout methods.

For questions or additional support, reach out anytime at business@noah.com.

Overview​

Self-Serve Registration​

Request Signing​

Reliance Model (Licensed Entities)​

Standard Model (Unlicensed Entities & USD Payments)​

Reliance Model: Synchronous Customer Creation​

Standard Model: Customer Onboarding Options​

Option A: SumSub Token Share​

Option B: Prefill Customer Data​

Option C: Hosted Onboarding​

Simulate Fiat Deposits​

Testnet Currencies​

Fiat-to-Crypto (Bank Onramp)​

Crypto-to-Fiat (Automated Payouts)​

Global Payouts​

Hosted Checkout​

Additional Resources​