# Create an individual account

> Create an individual Moov account with the API, SDKs, Moov.js, or onboarding Drop. Request capabilities and send Moov's platform agreement.

> AI agents: search and read all Moov docs with the docs MCP server at https://docs.moov.io/mcp (no API key). Setup: https://docs.moov.io/guides/developer-tools/mcp-ai/docs-mcp/index.md

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

Before you start, review [create accounts](/guides/accounts/create-accounts/index.md) 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](#full-example) for details.

Sole proprietors need to be created with a [business account](/guides/accounts/create-accounts/business/index.md).

## 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.

**cURL**

Create account [reference](/api/moov-accounts/accounts/create/index.md)

```zsh
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"
  }'
```

**Go SDK**

Create account [reference](/api/moov-accounts/accounts/create/index.md)

```go
mc, _ := moov.NewClient()

mc.CreateAccount(ctx, moov.CreateAccount{
  Type: moov.AccountType_Individual,
  Profile: moov.CreateProfile{
    Individual: &moov.CreateIndividualProfile{
      Name: moov.Name{
        FirstName: "Jules",
        LastName:  "Jackson",
      },
      Email: "julesjacksonyoga@moov.io",
    },
  },
})
```

**Moov.js**

Create account [reference](/api/moov-accounts/accounts/create/index.md)

```javascript
const moov = Moov(token);

const accountPayload = {  
  accountType: "individual",
  profile: {
    individual: {
      email: "julesjacksonyoga@moov.io",
      name: {
        firstName: "Jules",
        lastName: "Jackson"
      }
    }
  },
  foreignID: "unique-correlation-id"
};

const account = await moov.accounts.create(accountPayload);
```

**Onboarding Drop**

Onboarding Drop [reference](/moovjs/drops/onboarding/index.md)

With the onboarding Drop, you request capabilities when creating an account. After this step, you can jump ahead to [step 3](#send-platform-agreement-to-individual).

```html
<moov-onboarding></moov-onboarding>
```

```javascript
// Get the onboarding Drop
const onboarding = document.querySelector("moov-onboarding");

// After generating a token, set it on the onboarding element
onboarding.token = "some-generated-token";

// Include your accountID, which can be found in the Dashboard
onboarding.facilitatorAccountID = "your-account-id";

// Request capabilities
onboarding.capabilities = ["send-funds.ach"];

// Open the onboarding flow when ready
onboarding.open = true;
```

## 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](/api/moov-accounts/accounts/list/index.md).

**cURL**

Request capabilities [reference](/api/moov-accounts/capabilities/post/index.md)

```zsh
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"
    ]
  }'
```

**Go SDK**

Request capabilities [reference](/api/moov-accounts/capabilities/post/index.md)

```go
mc, _ := moov.NewClient()

var accountID string

mc.RequestCapabilities(ctx, accountID,
  []moov.CapabilityName{
    moov.CapabilityName_Transfers,
    moov.CapabilityName_SendFundsACH,
    moov.Capability_NameWalletBalance,
  },
)
```

**Moov.js**

Request capabilities [reference](/api/moov-accounts/capabilities/post/index.md)

```javascript
const moov = Moov(token);

const accountID = "accountID";
const capabilities = [
  "send-funds.ach"
];

moov.accounts.capabilities.request({accountID, capabilities});
```

## 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](/guides/accounts/requirements/platform-agreement/index.md) guide explains each option and who can use the API flows.

**Token**

Generate token [reference](/api/moov-accounts/accounts/get-tos/index.md) and update account [reference](/api/moov-accounts/accounts/patch/index.md)

```zsh
# 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"
```

```zsh
# 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"
  }'
```

**Manual**

Update account [reference](/api/moov-accounts/accounts/patch/index.md)

```zsh
curl -X PATCH "https://api.moov.io/accounts/{accountID}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "termsOfService": {
      "manual": {
        "acceptedDate": "accepted-date",
        "acceptedIP": "accepted-ip",
        "acceptedUserAgent": "accepted-user-agent",
        "acceptedDomain": "accepted-domain"
      }
    },
    "foreignID": "unique-correlation-id"
  }'
```

**Terms of service Drop**

Terms of Service Drop [reference](/moovjs/drops/terms-of-service/index.md)

```html
<moov-terms-of-service></moov-terms-of-service>
```

```javascript
// Get the terms of service Drop
const termsOfService = document.querySelector("moov-terms-of-service");

// Provide the token
termsOfService.token = "eyjh...";
```

## Complete verification and underwriting

Depending on the capabilities requested, Moov might require additional [verification](/guides/accounts/requirements/identity-verification/index.md) and [underwriting](/guides/accounts/requirements/underwriting/index.md). Outstanding items appear in the [Dashboard](https://dashboard.moov.io/signin) and in each capability's `requirements.currentlyDue`. [Check capability status](/guides/accounts/capabilities/enablement/index.md#check-capability-status) until each capability is `enabled`, and use [troubleshoot capabilities](/guides/accounts/capabilities/troubleshoot/index.md) to fix errors.

## Full example

You can consolidate steps 1 through 3 using the create account `POST` [endpoint](/api/moov-accounts/accounts/create/index.md). The example below includes all the fields you can send to Moov in one step when creating an individual account.

Any additional [verification](/guides/accounts/requirements/identity-verification/index.md) and [underwriting](/guides/accounts/requirements/underwriting/index.md) requirements appear in the [Dashboard](https://dashboard.moov.io/signin) and in each capability's `requirements.currentlyDue`. See [check capability status](/guides/accounts/capabilities/enablement/index.md#check-capability-status).

**cURL**

Create account [reference](/api/moov-accounts/accounts/create/index.md)

```zsh
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"
  }
}'
```

**Go SDK**

Create account [reference](/api/moov-accounts/accounts/create/index.md)

```go
mc, _ := moov.NewClient()

mc.CreateAccount(ctx, moov.CreateAccount{
  Type: moov.AccountType_Individual,
  Profile: moov.CreateProfile{
    Individual: &moov.CreateIndividualProfile{
      Address: &moov.Address{
        AddressLine1: "123 Main Street",
        AddressLine2: "Apt 302",
        City: "Boulder",
        StateOrProvince: "CO",
        PostalCode: "80301",
        Country: "US",
      },
      BirthDate: &moov.Date{
        Day: 9,
        Month: 5,
        Year: 1985,
      },
      Email: "julesjacksonyoga@moov.io",
      GovernmentID: &moov.GovernmentID{
        SSN: &moov.SSN{
          Full: "111111111",
          LastFour: "1111",
        },
      },
      Name: moov.Name{
        FirstName: "Jules",
        LastName:  "Jackson",
      },
      Phone: &moov.Phone{
        Number: "8185551212",
        CountryCode: "1",
      },
    },
  },
  RequestedCapabilities: []moov.CapabilityName{
    moov.CapabilityName_Transfers,
    moov.CapabilityName_SendFunds,
    moov.CapabilityName_Wallet,
  },
  ForeignID: "unique-correlation-id",
  Metadata: map[string]string{
    "Property1": "string",
    "Property2": "string",
  },
  AccountSettings: &moov.AccountSettings{
    CardPayment: &moov.CardPaymentSettings{
      StatementDescriptor: "Jules Jackson",
    },
  },
  TermsOfService: &moov.TermsOfServicePayload{
    Token: "kgT1uxoMAk7QKuyJcmQE8nqW_HjpyuXBabiXPi6T83fUQoxsyWYPcYzuHQTqrt7YRp4gCwyDQvb6U5REM9Pgl2EloCe35t-eiMAbUWGo3Kerxme6aqNcKrP_6-v0MTXViOEJ96IBxPFTvMV7EROI2dq3u4e-x4BbGSCedAX-ViAQND6hcreCDXwrO6sHuzh5Xi2IzSqZHxaovnWEboaxuZKRJkA3dsFID6fzitMpm2qrOh4",
  },
})
```

**Moov.js**

Create account [reference](/api/moov-accounts/accounts/create/index.md)

```javascript
const moov = Moov(token);

const accountPayload = {
  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_HjpyuXBabiXPi6T83fUQoxsyWYPcYzuHQTqrt7YRp4gCwyDQvb6U5REM9Pgl2EloCe35t-eiMAbUWGo3Kerxme6aqNcKrP_6-v0MTXViOEJ96IBxPFTvMV7EROI2dq3u4e-x4BbGSCedAX-ViAQND6hcreCDXwrO6sHuzh5Xi2IzSqZHxaovnWEboaxuZKRJkA3dsFID6fzitMpm2qrOh4"
  },
};

const account = await moov.accounts.create(accountPayload);
```

## Next steps

After the account is created, optionally [connect it to your account](/guides/accounts/create-accounts/index.md#create-an-account-connection), then link a [source](/guides/sources/index.md) like a bank account or card so it can start moving money.