Users

Users endpoints require an admin JWT with the owner or admin role:

Authorization: Bearer <admin-token>

Endpoints

Method	Endpoint	Description
`POST`	`/api/v1/admin/register/personal`	Create a personal user account and return JWT tokens

A newly registered user always starts with status: pending. The status transitions to active once the user completes identity verification (KYC).

pending  →  active
  │
  └── KYC not yet completed

Tokens are issued immediately at registration. You can use them to authenticate requests on behalf of the user regardless of their KYC status.

This endpoint is safe to call multiple times with the same email or phone. No duplicate accounts are created.

Scenario	Behavior
User does not exist	Creates user, wallet, and all account records
User exists, wallet missing	Generates wallet without recreating the user
User and wallet both exist	Assigns role and returns fresh tokens

HTTP status	Cause
`400`	Missing `email` or malformed field value
`401`	Invalid or expired token, or caller lacks `owner` / `admin` role
`500`	Unexpected server error