POST /users returns a hosted verificationUrl; send that link to the end user immediately after creation.
Create and send the KYC link
POST /users
Response
GET /users/{userId} or GET /users while KYC is new or pending.
Check approval
Use either approach. You do not need both. Option A: PollGET /users/{userId} until kycStatus is final. See Rate limits if polling.
GET /users/USER_ID
Pending response
user.kyc.* webhooks. See End users.
KYC statuses
Card operations require approved KYC for the target user.