USERONBOARD01 - New account flow when receiving first payment

Individual Onboarding Methods

Individuals can be onboarded to XTRM through multiple channels:

1. Self-Serve Registration
   Users can directly register at www.xtrm.com to set up their accounts.

2. Automatic Account Creation Upon First Payment
   When a payment is initiated through the API, user interface, or by mass payment file submission, and the recipient does not yet have an account, their account will be created automatically during the payment process.

3. Single Sign-On (SSO)
   Organizations can enable Single Sign-On to streamline account creation and access for their users.

4. XTRM API Account Creation
   Accounts can also be created directly via the XTRM API for streamlined onboarding within integrated systems.

First-Time Payment Account Setup Flow

When a user without an existing XTRM account receives their first payment via API, user interface, or mass payment file, they will undergo a guided setup process to establish their account. This process ensures they can access their payment securely and smoothly.

Step-by-Step Process:

1. Payment Initiation
The remitter sends the payment to the user through XTRM.

2. Welcome Email Notification
The user receives an email from XTRM, notifying them of the incoming payment. This email includes the sending company’s logo, as taken from the company’s profile on XTRM. Where it states "<<Your company name>>," the name of the sending company will appear.

3. Validate Account
The user clicks the "Validate" button in the email.

4. Accept Service Agreement
After reviewing and accepting the Service Agreement, the user proceeds to the account setup.

5. Account Setup
The user is prompted to:

• Set a password
• Enter their mobile number (used for security)
• Specify their country and state/county/region

6. Complete Registration
Upon clicking "Continue," the registration process is completed. The user is automatically logged into their new XTRM account and can view the payment in their wallet.  

7. Transfer Options
The user can then choose how to transfer their funds from the wallet, with options including:

• Bank transfer
• Gift Card
• Prepaid Card
• Check (available in the USA only)

This straightforward process provides secure access to payments and flexible transfer options for the user.