> For the complete documentation index, see [llms.txt](https://docs.tendar.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tendar.co/documentation/onboarding/overview.md). # Overview The Onboarding Service is the foundation of every Tendar integration. It provides a suite of APIs that let you create and manage customer profiles, verify identities through KYC checks, and send OTPs - everything you need to onboard users securely before granting them access to lending, disbursement, or any other Tendar product. ### How it works *** Integrating the Onboarding Service into your platform follows a straightforward flow: {% stepper %} {% step %} ### Authenticate Include your secret key in the `Authorization` header of every request (`Bearer `). All endpoints are scoped to your company, so the data you create and query is isolated to your account. Read the [Authentication](/documentation/getting-started/authentication.md) Article for better understanding {% endstep %} {% step %} ### Create a user Register your customer by sending their profile information (name, email, phone, date of birth, etc.) to the [Create User](/documentation/onboarding/user-management.md#create-a-user) endpoint. Tendar returns a unique `user_id` that you'll reference across all other API calls. {% endstep %} {% step %} ### Continue to other services Once onboarded, the user is available across the entire Tendar ecosystem — Credit Score, Disbursement, Recollection, and BNPL services. {% endstep %} {% endstepper %} ### Base URL *** All Onboarding Service endpoints are served under: Production ```bash https://api.tendar.co/onboarding ``` Sandbox ```bash https://tendar-onboarding-dev-v2.fly.dev ``` ### Core Features *** The Onboarding Service is organized into three main modules:


User Management	Create, update, list, and export your customers.	User Management
OTP (One-Time Password)	Send and verify OTPs through email, SMS, or both.	One Time Password
KYC (Know Your Customer)	Run identity verifications against Nigerian government databases.	Know Your Customer

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