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Assets

Centrapay digital assets are resources that represent the ability for a Centrapay account to perform transactions where value is exchanged. Assets can be spent to satisfy Payment Requests, withdrawn to a bank account via Funds Transfers and sent to other Centrapay users via Asset Transfers.

Assets are categorized as either Money, Gift Cards or Tokens. Depending on its asset category, an asset will have different attributes available and different rules governing how it can be obtained, shared or spent.

Contents

Models

Asset

All assets have the following fields along with the additional fields that are specific to its category.

Required Fields

Field Type Description
id String The Asset’s unique identifier.
accountId String The Asset’s owning Centrapay Account id.
category String Asset category (“Money”, “Giftcard”, or “Token”).
type String Asset Type id used by payment option asset types.
liveness String Either “main” (live payments allowed) or “test”.
description String Displayable asset description.
createdAt Timestamp Date when the asset was created or issued.
status String “active” if the asset can be used for payments.

Money

Money assets, being backed by real currency, are the most flexible asset types. Money is accepted for most payment requests, can be sent in arbitrary amounts and does not expire.

Money assets have the following fields along with the base asset fields.

Required Fields

Field Type Description
currency String Currency code, eg “NZD”
balance BigNumber Current balance in the currency’s smallest denomination (ie. cents).

Gift Cards

Gift cards are similar to money but have greater spending restrictions and are not always backed by real currency. Gift cards usually have an expiry date, are typically tied to a small number of merchants, and can only be sent in their entirety.

Gift cards have the following fields along with the base asset fields.

Required Fields

Field Type Description
issuer String The identifier for the issuer of the gift card.
currency String Currency code, eg “NZD”
balance BigNumber Current balance in the currency’s smallest denomination (ie. cents).
initialBalance BigNumber The balance when the asset was created.

Optional Fields

Field Type Description
externalId String The asset identifier from the issuing system.
expiresAt Timestamp The date when the asset expires.
balanceUpdatedAt Timestamp The date when the balance was last observed to be updated.
productCode String EXPERIMENTAL The unique code which must match a merchant’s payment option for redemption.
img String EXPERIMENTAL The img URL of the gift card.
brandName String EXPERIMENTAL The name of the brand that the gift card belongs to.
brandImg String EXPERIMENTAL The img URL of the brand that the gift card belongs to.
brandWebsite String EXPERIMENTAL The URL of the brand that the gift card belongs to.
issuerWebsite String EXPERIMENTAL The URL of the issuer of the gift card.

Tokens (EXPERIMENTAL)

Tokens are assets which can be spent only once. They are usually tied to a small set of merchants and have an expiry date. Token value may be set in multiple currencies and is the same for all tokens of the same type.

Tokens have the following fields along with the base asset fields.

Required Fields

Field Type Description
value Array The Monetary Amounts representing the token’s nominal value in its supported currencies.

Optional Fields

Field Type Description
validFrom Timestamp The date when the asset becomes spendable.
expiresAt Timestamp The date when the asset expires.

Operations

Get Asset

GET /api/assets/{assetId} 

curl https://service.centrapay.com/api/assets/L75M3L56N2PtBSt8g7uXLU \
  -H "X-Api-Key: $api_key"

Example response payload 

{
  "id": "L75M3L56N2PtBSt8g7uXLU",
  "accountId": "Te2uDM7xhDLWGVJU3nzwnh",
  "category": "giftcard",
  "type": "epay.nzd.main",
  "issuer": "ezipay",
  "externalId": "23403283262",
  "description": "$60 Acme Giftcard",
  "productCode": "23403",
  "initialBalance": "6000",
  "balance": "6000",
  "balanceUpdatedAt": "2021-01-01T00:00:00.000Z",
  "expiresAt": "2020-12-31T00:00:00.000Z",
  "createdAt": "2020-05-01T12:30:00.000Z"
}

List Assets for Account

Returns a paginated list of Assets for an account. This will only return active assets.

GET /api/accounts/{accountId}/assets 

curl https://service.centrapay.com/api/accounts/Te2uDM7xhDLWGVJU3nzwnh/assets \
  -H "X-Api-Key: $api_key"

Example response payload 

{
  "items": [
    {
      "id": "L75M3L56N2PtBSt8g7uXLU",
      "accountId": "Te2uDM7xhDLWGVJU3nzwnh",
      "category": "giftcard",
      "type": "epay.nzd.main",
      "issuer": "ezipay",
      "externalId": "23403283262",
      "description": "$60 Acme Giftcard",
      "productCode": "23403",
      "initialBalance": "6000",
      "balance": "6000",
      "balanceUpdatedAt": "2021-01-01T00:00:00.000Z",
      "expiresAt": "2020-12-31T00:00:00.000Z",
      "createdAt": "2020-05-01T12:30:00.000Z"
    },
    {
      "id": "WRhAxxWpTKb5U7pXyxQjjY",
      "accountId": "Te2uDM7xhDLWGVJU3nzwnh",
      "category": "money",
      "type": "centrapay.nzd.main",
      "liveness": "main",
      "description": "NZD",
      "createdAt": "2021-01-01T00:00:00.000Z",
      "status": "active",
      "currency": "NZD",
      "balance": "2000"
    },
    {
      "id": "Aj7rtHmd7rDeWoJgw9MPHe",
      "accountId": "Te2uDM7xhDLWGVJU3nzwnh",
      "type": "cca.coke.main",
      "description": "Coke™ Token",
      "category": "token",
      "value": [
        {
          "currency": "NZD",
          "amount": "400"
        }
      ],
      "expiresAt": "2020-12-31T00:00:00.000Z",
      "createdAt": "2020-05-01T12:30:00.000Z"
    }
  ]
}

Archive Asset

Archive supported asset types by asset id. Currently only gift cards may be archived.

POST /api/assets/{assetId}/archive 

curl -X POST https://service.centrapay.com/api/assets/L75M3L56N2PtBSt8g7uXLU/archive \
  -H "X-Api-Key: $api_key"

Example response payload 

{
  "id": "L75M3L56N2PtBSt8g7uXLU",
  "accountId": "Te2uDM7xhDLWGVJU3nzwnh",
  "category": "giftcard",
  "type": "epay.nzd.main",
  "issuer": "ezipay",
  "externalId": "23403283262",
  "description": "$60 Acme Giftcard",
  "initialBalance": "6000",
  "balance": "0",
  "balanceUpdatedAt": "2021-01-01T00:00:00.000Z",
  "expiresAt": "2020-12-31T00:00:00.000Z",
  "createdAt": "2020-05-01T12:30:00.000Z",
  "status": "archived"
}

Error Responses

Status Code Description
403 UNSUPPORTED_ASSET_TYPE Asset type can not be archived