Overview

The Aperturas API opens Allaria accounts for customers your company has already verified itself. You send the complete, validated customer record; Allaria creates the account in Caja de Valores and Esco and returns the comitente number.

For internal PSPs there is no review queue. For external PSPs, Allaria runs Renaper and Repet checks on submission and may require document review.

Who this section is for

This flow exists for companies that are obliged entities (sujetos obligados): registered before the UIF, running their own customer due diligence, and legally responsible for the KYC/AML of the customers they bring.

Because you carry that responsibility, Allaria does not repeat the verification. That is the trade: you send data that is already complete and correct, and in exchange the account is created straight through.

If your company is not an obliged entity

Do not use this section — go through Onboarding instead, where Allaria performs the verification and takes responsibility for the KYC.

A company that is not registered before the UIF cannot collect and transmit its customers' personal data for account opening on its own account.

Unsure which applies to your company? Ask integraciones@allaria.com.ar before building.

	Onboarding	Aperturas
Your company is an obliged entity	No	Yes
Who runs the KYC	Allaria	You
Documents	Uploaded to Allaria for review	Not reviewed by Allaria
Outcome	PENDING → APPROVED / REJECTED after review	Account created straight through
Volume	One customer per onboarding	One individual per request

Internal and external PSPs

Your credentials place you in one of two groups, and the group changes what the account-opening endpoints require of you.

The group is resolved from your access token — there is nothing to send in the request.

• External PSP — a third-party integrator. This is you, if you are reading these docs as an Allaria client.
• Internal PSP — Allaria's own products (the wallet, agro, the assisted onboarding flow).

The difference is who performs the identity checks:

	External PSP	Internal PSP
Renaper and Repet checks	Allaria runs them on submission	Not run
frente_dni / dorso_dni	Required	Not required
pri / matriz_riesgo_descripcion	Allaria computes them — do not send	Required — you send them
Business accounts also require	lugar_constitucion, canal_ingreso, fecha_ingreso, valuacion, es_entidad_publica	—

Every field whose requirement depends on this is marked Conditional on the endpoint pages, with the group named in its description.

Two further things vary by the specific arrangement Allaria set up for you, independently of the group:

• whether external_id is mandatory;
• whether you may choose the comitente, or Allaria assigns it from a reserved range.

Ask integraciones@allaria.com.ar to confirm both before you build the request body.

If your credentials have no group assigned at all, every account-opening call fails with 422 and the message No hay una campania asociada al usuario. Hablar con Allaria.

Operation window

Account opening is only accepted between 09:30 and 17:00, Monday to Friday, on business days. Queue submissions on your side rather than retrying.

Outside that window the request fails with 422 and:

{"cuentas": ["La ventana de operación es de 9.30hs a 17hs de lunes a viernes días hábiles..."]}

Prerequisites

Every endpoint here is authenticated. Before your first call you need your IP whitelisted and an access token — see Get started.

The flow

1

Check whether the person already has an account

GET /v1/aperturas/cuentas-por-cuit queries Esco live and tells you whether that CUIT/CUIL already holds accounts at Allaria, regardless of which channel opened them.

Run it before opening, so you do not create a duplicate for a person who already came in through another channel.

2

Collect the catalogue codes

Fields like actividad, nacionalidad, tipo_documento, codigo_provincia_domicilio and lugar_nacimiento are validated against Allaria's catalogues. They are codes, not free text, and they are served by their own read-only endpoints — see Reference data:

• Esco catalogues — activities, countries, provinces, document types. Send the codigo.
• Caja de Valores catalogues — place of birth and locality. Send the name for one and the code for the other.
• Person and tax catalogues — sex, marital status, PEP status, tax residence and province.

There are two country catalogues with different codes (Esco paises and Caja de Valores paises-cv) and they are not interchangeable. Read the reference-data pages before building the body.

3

Open the accounts

Two endpoints, chosen by who the account holder is — not by a flag:

• POST /v1/aperturas/apertura-cuenta — natural persons. One per request.
• POST /v1/aperturas/apertura-cuenta-juridica — legal entities. One per request, because the payload also carries the entity's representatives, shareholders and ultimate beneficial owners.

Both return 201 even when some accounts failed. The response is per-account: read errores and the per-CUIL entries, never the status code alone.

4

Poll until creation finishes

Account creation is asynchronous — the 201 means "accepted and queued", not "created". GET /v1/aperturas/estado-por-external-id reports where each account is:

State	Meaning
NO_ENCONTRADO	No account matches that identifier
EN_DB	Recorded at Allaria, creation not started
CREACION_PENDIENTE	Being created — pendientes lists the systems still missing
COMPLIANCE_CHEQUEO_PENDIENTE	Held for a compliance check
RECHAZADO	Rejected — left under analysis past the allowed period, or declined
BLOQUEADO	Blocked — cannot operate
CREACION_FINALIZADA	Done — comitente is usable

5

Check the account link

Creating the account does not by itself grant your credentials access to it — the account must also be linked to your client_id. Allaria does this automatically once the account is operational; you no longer link accounts yourself.

GET /v1/aperturas/link-accounts/{accountNumber} returns the state of that link. Until it is COMPLETED, Movements and Position return 403 for the account.

6

Keep the investor risk profile up to date

PATCH /v1/aperturas/cuentas/pri updates the Investor Risk Profile and the terms-and-conditions acceptance date for up to 1000 accounts at once. Use it when a customer re-takes the suitability questionnaire on your side.

7

Register a company as a unit holder (optional)

A separate flow for mutual fund unit holders (cuotapartistas), only for credentials Allaria has enabled for it. It does not use the comitente flow above: the account is identified by the company's CUIT.

1. GET /v1/aperturas/unit-holder/catalogs — the accepted values for the catalogue fields.
2. POST /v1/aperturas/unit-holder/accounts — one company and its holders per request. Returns 202: the account is created asynchronously.
3. GET /v1/aperturas/unit-holder/accounts/{tax_id} — poll creation_state until it is final. A FAILED or STUCK account can be resubmitted.

GET /v1/aperturas/unit-holder/by-document/{document_number} lists the accounts a person holds; it needs a reader permission.

Individual vs. Business

	Individual	Business
Endpoint	POST /v1/aperturas/apertura-cuenta	POST /v1/aperturas/apertura-cuenta-juridica
Accounts per request	Exactly 1	Exactly 1
Who is declared	The person	The entity, plus personas_fisicas (representatives), accionistas_fisicos, accionistas_juridicos and beneficiarios
ID images	Base64 in the request body	Uploaded first to POST /v1/aperturas/storage/push, then referenced by file name
pri	Required only for internal PSPs	Always required
Extra corporate fields	—	fecha_constitucion, numero_inscripcion, tipo_registracion_juridica, estructura_accionaria, grupo_economico, es_especulativo_oportunista

Common failure modes

Symptom	Cause
422 with No hay una campania asociada al usuario	Your credentials have no PSP group assigned — contact integraciones@allaria.com.ar
422 on a field the docs mark optional	Your PSP group makes it required. See Internal and external PSPs
422 on actividad, nacionalidad, tipo_documento, lugar_nacimiento	The value is not a valid catalogue code — read it from the catalogue endpoints, do not hardcode it
422 on lugar_nacimiento or localidad specifically	You sent a code where a name is expected, or the reverse. See Caja de Valores catalogues
201 but errores: true	The account failed. The detail is in the response body, not the status code
Account stuck at CREACION_PENDIENTE	A downstream system (Esco, Nasdaq) has not finished. pendientes names it. If it does not clear, contact support
403 on every endpoint here	Your credentials are not authorized for Aperturas — contact integraciones@allaria.com.ar
422 with La ventana de operación es de 9.30hs a 17hs	You submitted outside the 09:30–17:00 business-day window
500 with El sistema RENAPER está caído	Renaper or Repet is unavailable. Retry later — the request was not wrong
Request times out with no status code	Your IP is not whitelisted — see Access

Not documented here yet

This section covers account opening, status, PRI and the catalogues those need. The service also exposes:

• multi-holder accounts (comitente-multiples-fisicos, titular-fisico);
• file upload (storage/push);
• risk-matrix lookups (matriz/*).

Ask integraciones@allaria.com.ar if you need them before they are published here.