> ## Documentation Index
> Fetch the complete documentation index at: https://docs.polymarket.us/llms.txt
> Use this file to discover all available pages before exploring further.

# ISVs

> Guide for Independent Software Vendors building trading integrations

## Overview

<Card title="ISV Connectivity Agreement" icon="file-contract" href="https://drive.google.com/uc?export=download&id=1806pTyHrMjgQAskyVOos0kwPHUpN0NvQ">
  Download the ISV Connectivity Agreement for Polymarket Exchange
</Card>

## Requirements

ISVs must provide their users with the appropriate clickthrough agreements during onboarding:

**For Individuals:** [Individual Participant Agreement](https://www.polymarketexchange.com/files/legal/Polymarket%20-%20Individual%20Participant%20and%20Clearing%20Member%20Agreement%20\(2026.05.20\).pdf)

**For Corporate Entities:** [Entity Participant Agreement](https://www.polymarketexchange.com/files/legal/Polymarket%20-%20Entity%20Participant%20and%20Clearing%20Member%20Agreement%20\(2026.05.20\).pdf)

Users must review and accept the terms before beginning KYC verification.

## User Lifecycle

Partners manage the complete user lifecycle from KYC verification to trading:

```mermaid theme={null}
graph LR
    A[KYC Verification] --> B{Approved?}
    B -->|Yes| C[User Auto-Created]
    C --> D[Funding]
    D --> E[Trading]
    E --> F[Positions]
    F --> G[Withdrawal]
    B -->|No| H[Rejected]
```

<Info>
  **Automatic User Creation**

  Users are created automatically when KYC verification is approved. There is no separate account creation step - the system provisions EP3 trading resources as part of the KYC approval process.
</Info>

### 1. Identity Verification (KYC)

Start by verifying user identity. When approved, the user is automatically provisioned for trading.

* **API**: [KYC API](/partners/kyc/overview)
* **Key endpoint**: `POST /v1/kyc/start`

### 2. Funding

Link bank accounts or cards and process deposits.

* **API**: [Payments API](/partners/payments/overview)
* **Guides**: [Aeropay (ACH)](/partners/payments/aeropay-guide) | [Checkout (Cards)](/partners/payments/checkout-guide)
* **Key endpoints**:
  * `POST /v1/aeropay/initialize` - Link bank account
  * `POST /v1/checkout/deposits` - Process card deposit

### 3. Trading

Once funded, users can place orders.

* **API**: [Trading API](/api-reference/trading/overview)
* **Key endpoints**:
  * `POST /v1/trading/orders` - Insert order
  * `POST /v1/trading/orders/cancel` - Cancel order

### 4. Positions & Withdrawals

Track positions and process withdrawals.

* **API**: [Positions API](/api-reference/positions/overview) | [Funding Management](/partners/payments/funding-management)
* **Key endpoints**:
  * `GET /v1/positions` - Get positions
  * `POST /v1/aeropay/withdrawals` - Process withdrawal

## Complete Onboarding Flow

```mermaid theme={null}
sequenceDiagram
    participant U as User
    participant I as Partner Platform
    participant P as Polymarket US

    U->>I: Sign up on platform

    Note over I,P: KYC Verification (user auto-created on approval)
    I->>P: POST /v1/kyc/prefill (optional)
    P-->>I: OTP sent
    U->>I: Enter OTP
    I->>P: POST /v1/kyc/prefill/otp
    P-->>I: Prefilled data
    I->>P: POST /v1/kyc/start
    P-->>I: Verification started

    loop Poll for status
        I->>P: GET /v1/kyc/status
        P-->>I: Status (pending/approved)
    end

    Note over P: User & Account auto-provisioned

    U->>I: Link bank account
    I->>P: POST /v1/aeropay/initialize
    P-->>I: SDK credentials
    U->>I: Complete bank linking

    U->>I: Deposit $100
    I->>P: POST /v1/aeropay/deposits
    P-->>I: Deposit confirmed

    U->>I: Place trade
    I->>P: POST /v1/trading/orders
    P-->>I: Order confirmed
```

## Getting Started

<CardGroup cols={2}>
  <Card title="Users API" icon="user" href="/partners/users">
    List and manage users
  </Card>

  <Card title="KYC Verification" icon="id-card" href="/partners/kyc/overview">
    Identity verification workflow
  </Card>

  <Card title="Payments" icon="credit-card" href="/partners/payments/overview">
    Bank and card payment processing
  </Card>

  <Card title="Referral Codes" icon="ticket" href="/partners/kyc/referral-codes">
    Track user acquisition
  </Card>
</CardGroup>