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Create an individual account

Create an individual Moov account step by step with the API, SDKs, Moov.js, or the onboarding Drop.

Before you start, review create accounts for how to get an access token if you're using the onboarding Drop.

The examples below break up all the small tasks needed to create an individual Moov account. When using the API, SDKs, or Moov.js, steps 1-3 can be consolidated into one request. See the full example for details.

Sole proprietors need to be created with a business account.

Create individual account

You can provide a variety of information when creating an account. The example below only includes the minimum required fields. The response object will include the newly created accountID which you will need to update the account.

Create account reference

curl -X POST "https://api.moov.io/accounts" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "accountType": "individual",
    "profile": {
      "individual": {
        "email": "julesjacksonyoga@moov.io",
        "name": {
          "firstName": "Jules",
          "lastName": "Jackson"
        }
      }
    },
    "foreignID": "unique-correlation-id"
  }'

Request capabilities for individual

Request capabilities for the account you've created by passing the accountID. You can find the account ID in the create account response, or you can find it by using the list accounts GET endpoint.

Request capabilities reference

curl -X POST "https://api.moov.io/accounts/{accountID}/capabilities" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "capabilities": [
      "send-funds.ach"
    ]
  }'

Send platform agreement to individual

Record the individual's acceptance of Moov's platform agreement with a token or manual entry (Moov recommends the manual method for server integrations). The platform agreement guide explains each option and who can use the API flows.

Generate token reference and update account reference

# Get the terms of service token
curl -X GET "https://api.moov.io/tos-token" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00"

# Send the token when patching the account
curl -X PATCH "https://api.moov.io/accounts/{accountID}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "termsOfService": {
      "token": "terms-of-service-token"
    },
    "foreignID": "unique-correlation-id"
  }'

Complete verification and underwriting

Depending on the capabilities requested, Moov might require additional verification and underwriting. Outstanding items appear in the Dashboard and in each capability's requirements.currentlyDue. Check capability status until each capability is enabled, and use troubleshoot capabilities to fix errors.

Full example

You can consolidate steps 1 through 3 using the create account POST endpoint. The example below includes all the fields you can send to Moov in one step when creating an individual account.

Any additional verification and underwriting requirements appear in the Dashboard and in each capability's requirements.currentlyDue. See check capability status.

Create account reference

curl -X POST "https://api.moov.io/accounts" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  -H "X-Wait-For: connection" \
  --data-raw '{
  "accountType": "individual",
  "profile": {
    "individual": {
      "address": {
        "addressLine1": "123 Main Street",
        "addressLine2": "Apt 302",
        "city": "Boulder",
        "stateOrProvince": "CO",
        "postalCode": "80301",
        "country": "US"
      },
      "birthDate": {
        "day": "09",
        "month": "05",
        "year": "1985"
      },
      "email": "julesjacksonyoga@moov.io",
      "governmentID": {
        "ssn": {
          "full": "111111111",
          "lastFour": "1111"
        }
      },
      "name": {
        "firstName": "Jules",
        "lastName": "Jackson"
      },
      "phone": {
        "number": "8185551212",
        "countryCode": "1"
      }
    }
  },
  "capabilities": [
    "transfers", 
    "send-funds", 
    "wallet"
  ],
  "foreignID": "unique-correlation-id",
  "metadata": {
    "property1": "string",
    "property2": "string"
  },
  "mode": "production",
  "settings": {
    "cardPayment": {
      "statementDescriptor": "Jules Jackson"
    }
  },
  "termsOfService": {
    "token": "kgT1uxoMAk7QKuyJcmQE8nqW_HjpyuXBabiXPi6T83fUKRJkA3dsFID6fzitMpm2qrOh4"
  }
}'

Next steps

After the account is created, optionally connect it to your account, then link a source like a bank account or card so it can start moving money.