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Documentation Index

Fetch the complete documentation index at: https://developers.kulmipay.com/llms.txt

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Create a working wallet when you want to separate balances for a specific use case, such as payroll, refunds, or supplier payouts. Settlement wallets are managed by KulmiPay and cannot be created through this endpoint.

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Create a working wallet

curl --request POST \
  --url https://app.kulmipay.com/api/v1/wallets/ \
  --header "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
  --header "Content-Type: application/json" \
  --data '{
    "currency": "KES",
    "wallet_type": "WORKING",
    "label": "Payroll Wallet",
    "can_disburse": true
  }'

​
Request fields

FieldRequiredDescription
currencyYesWallet currency. One of KES, USD, EUR, GBP.
wallet_typeYesMust be WORKING.
labelYesWallet label. Must be unique for active wallets in the same business and currency.
can_disburseNoSet to true if this wallet can be used for Send Money. Defaults to false.

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Response

{
  "wallet_id": "wlt_def456",
  "label": "Payroll Wallet",
  "can_disburse": true,
  "currency": "KES",
  "wallet_type": "WORKING",
  "current_balance": "0.00",
  "available_balance": "0.00",
  "updated_at": "2026-05-28T10:00:00Z"
}
You cannot create SETTLEMENT wallets with this endpoint. KulmiPay creates settlement wallets for supported currencies automatically.