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      • Origin & Identity

      The identity system is the foundation of everything in Bloque. Before you can touch money, you need to understand who you are in the network.

      What is an Origin?

      Origin
      A namespace that defines where an identity lives and how it authenticates. Think of it as the app context that manages your users.
      bloque-email ← built-in, OTP via email bloque-whatsapp ← built-in, OTP via WhatsApp ethereum-mainnet ← blockchain, wallet signature your-app-name ← custom, your own auth logic

      You register identities into an Origin. Each Origin has its own authentication method. The Origin you use determines how users prove they are who they say they are.

      What is an Identity?

      Identity
      A user or entity registered under an Origin. It has a profile (name, email, DOB, address), a KYC/KYB status, and a permanent address in the network called a URN.

      An Identity can be:

      • individual — a person, with personal KYC fields
      • business — a company, with KYB fields (tax ID, incorporation date, etc.)

      What is an Alias?

      Alias
      Your unique handle within an Origin. It's what you use to register and log in.
      @alice ← custom handle alice@myapp.com ← email address 0x742d35Cc6634C0... ← Ethereum wallet address

      The same person can have multiple identities across different Origins — one for their email, one for their Ethereum wallet. Each combination of Origin + Alias is a separate, independent Identity.

      What is a URN?

      URN (Uniform Resource Name)
      The permanent, globally unique address of an identity in the Bloque network. It's constructed from the Origin and Alias and never changes.
      did:bloque:bloque-email:alice@myapp.com did:bloque:ethereum-mainnet:0x742d35Cc6634C0... did:bloque:your-app-name:@alice

      You'll see URNs everywhere in the SDK — as return values, as parameters, and as the key that links accounts to their owners.

      What is a holderUrn?

      When you create a financial account, you specify who owns it by passing a holderUrn. This is just the URN of the identity (or organization) that the account belongs to.

      await client.accounts.virtual.create({
  holderUrn: client.urn, // your own URN
  name: 'Main account',
})

      If you're building for a platform where you manage accounts on behalf of your users, holderUrn is how you assign ownership.

      What is an Organization?

      Organization
      A multi-user Identity — a company, DAO, or group. Like individual identities, orgs have a URN and can own accounts. Members of the org can be granted different roles and scopes.

      Organizations support teams, member invitations (email, SMS, WhatsApp), and role-based access. They go through KYB (Know Your Business) compliance.

      What is KYC and when is it required?

      KYC (Know Your Customer) is the identity verification process required by financial regulation. Not every account type requires it — virtual accounts and Polygon wallets have minimal requirements, while US bank accounts need full KYC.

      See Compliance & KYC for the full verification flow.

      What's next

      → Ledger & Balance — understand where the money actually lives