User Onboarding & Wallet Setup

Create Account

User signs up on Hseeltech app. Identity verified in real-time via Nafath platform.

Complete KYC & IBAN Verification

User provides source of funds, employment details, and risk profile.
Crucial Step: ANB IBAN Verification
Personal bank account IBAN is verified using ANB IBAN Verification API to ensure validity for future withdrawals.

Create Digital Wallet & VBA

Upon KYC approval, Wallet Service calls ANB `create-iban` API. Generates a unique Virtual Bank Account (VBA) permanently linked to the user's wallet.

Fund Wallet

Two funding methods supported:

• Bank Transfer: Direct transfer to user's unique VIBAN.
• Online Payment: Mada/Credit Card via payment gateway.

Funds are pooled in Hseeltech's Omnibus Account at ANB.

Withdraw Funds

User requests withdrawal to pre-verified personal bank account. System executes via ANB Single Payment API (SARIE/IPS).