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Each end user must complete KYC before card issuance. POST /users returns a hosted verificationUrl; send that link to the end user immediately after creation.
POST /users
Response
The link opens hosted identity verification. It is returned on create and can also appear on GET /users/{userId} or GET /users while KYC is new or pending.

Check approval

Use either approach. You do not need both. Option A: Poll GET /users/{userId} until kycStatus is final. See Rate limits if polling.
GET /users/USER_ID
Pending response
Option B: Subscribe to user.kyc.* webhooks. See End users.

KYC statuses

Card operations require approved KYC for the target user.