QwikLive Digital API
A consumer-facing, blockchain-agnostic REST/JSON API for digital banking — tokenized deposits, digital asset accounts, token redemption, interbank transfers, and onboarding — with no chain internals exposed.
Overview
The QwikLive Digital API (v1) is the consumer-facing digital experience layer — implementation-agnostic and provider-neutral — over tokenized deposits and digital asset accounts.
What is this API?
The QwikLive Digital API provides channel-agnostic digital banking operations over any underlying ledger or chain. It lets mobile, web, and partner channels issue and redeem tokenized deposits, manage digital asset accounts, validate and transfer between institutions, and onboard financial institutions and users — without exposing blockchain internals.
The API exposes 19 endpoints across 9 functional domains: Tokenized Deposit, Token Redemption, Interbank Transfer, FI Onboarding, User Onboarding, Digital Asset Account, Account Validation, Balance Inquiry, and Platform Search.
The API is implementation-agnostic and provider-neutral — no chain, wallet, or ledger internals are exposed. The sandbox mirrors production behavior with synthetic data. Use path version v1 for all requests.
Endpoint Domains
All 19 endpoints are grouped into 9 functional domains:
Key Capabilities
- Blockchain-agnostic — one consumer-facing contract over any chain or ledger; no internals exposed
- Tokenized deposits — issue and redeem tokenized funds tied to a linked account
- Digital asset accounts — create and manage accounts that hold tokenized deposits
- Interbank ready — account validation and interbank transfers across institutions
- Onboarding — financial institution and user onboarding (individual, business, administrator)
- Consolidated balance — asset, available, locked, and pending balances plus tokenized-deposit holdings
- Consistent error envelope — every error returns an
ExperienceErrorResponse(Problem-style) with a stable code
High-Level Architecture
The QwikLive Digital API is the experience layer between digital channels and the ledgers/cores behind them:
Typical Digital Flow
A common tokenized-deposit flow follows this sequence:
Onboard
Register the financial institution and user. POST /digital/v1/institutions · POST /digital/v1/users
Create a Digital Asset Account
Open the account that will hold tokenized deposits. POST /digital/v1/digital-asset-accounts
Issue a Tokenized Deposit
Tokenize funds into the account. POST /digital/v1/tokenized-deposits
Inquire & Transfer
Check balances, then transfer or validate across institutions. POST /digital/v1/accounts/balance-inquiry · POST /digital/v1/interbank-transfers
Redeem
Redeem tokenized funds back to the linked account. POST /digital/v1/token-redemptions