Requires scope:manage:accounts — see Required scopes.Creates an account and its wallet. Link an existing party with partyId, or create one inline with the party object. Self-custody accounts also supply the wallet address — see Venly-managed vs self-custody. A new account inherits its holder’s verification: link a partyId that is already VERIFIED and the account is created VERIFIED, ready to move money; a holder with no outcome yet gives VERIFICATION_PENDING, which can’t move money until it is verified.
Which tenant the request is scoped to, among those your token grants. Omit it when the token
grants exactly one tenant; it is required when the token grants more than one. A supplied
value must exactly match a tenant the token grants.
Absent when required, blank, malformed, or naming a tenant the token does not grant — each gets
the same generic 403 forbidden, which reveals neither whether a tenant exists nor which ones
you may use. Send the header once: a repeated header is rejected the same way.
Example:
"3fa85f64-5717-4562-b3fc-2c963f66afa6"
Body
application/json
Create a new account. You can either:
Reference an existing party by providing partyId
Create a new party inline by providing the party object
SELF_CUSTODY companies must also supply the wallet address.
Optional initial KYC status. Only NOT_REQUIRED is settable — it declares that you verify
end-users within your own compliance stack, so Venly does not gate money movement on its own
verification. It is never overridden by the holder's own outcome.
Omit the field and the server derives the status from the party named by partyId: an
already-verified holder yields a VERIFIED account, a rejected one a REJECTED account, and
anything else VERIFICATION_PENDING.
This requires a Venly admin to enable the tenant-managed KYC flag on your company tenant.
You cannot switch it on yourself, and until it is enabled the call fails with
kyc-not-required-not-allowed. In practice the flag is granted for testing rather than
production use — production integrations verify via a hosted verification link or Sumsub token
sharing.
Supplying VERIFIED or REJECTED is rejected with kyc-status-not-settable. Omit the field
for the normal flow.
The account as returned by POST /accounts: the Account fields plus, only when a forwarded
sumsubToken still needs the customer to act, the verification block.
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If the forward fails,\nthe entire account-creation transaction is rolled back — retry with a fresh token.\n\nSee [Sumsub token sharing](/guides/finance/onboarding/sumsub-token-sharing).\n","uniqueKey":"party.sumsubToken","typeLabel":"string"}},"example":{"partyType":"INDIVIDUAL","firstName":"John","lastName":"Doe","address":{"addressLine1":"123 Main Street","city":"Amsterdam","postalCode":"1012AB","country":"NL"}},"uniqueKey":"party","typeLabel":"object"},"cardProviderReference":{"type":"object","required":["type","referenceId"],"properties":{"type":{"type":"string","minLength":1,"description":"Card provider type identifier (case-sensitive)","isRequired":true,"uniqueKey":"cardProviderReference.type","typeLabel":"string"},"referenceId":{"type":"string","minLength":1,"description":"Unique reference ID from the card provider","isRequired":true,"uniqueKey":"cardProviderReference.referenceId","typeLabel":"string"}},"uniqueKey":"cardProviderReference","typeLabel":"object"},"kycStatus":{"type":"string","description":"Optional initial KYC status. Only `NOT_REQUIRED` is settable — it declares that you verify\nend-users within your own compliance stack, so Venly does not gate money movement on its own\nverification. It is never overridden by the holder's own outcome.\n\nOmit the field and the server derives the status from the party named by `partyId`: an\nalready-verified holder yields a `VERIFIED` account, a rejected one a `REJECTED` account, and\nanything else `VERIFICATION_PENDING`.\n\n**This requires a Venly admin to enable the tenant-managed KYC flag on your company tenant.**\nYou cannot switch it on yourself, and until it is enabled the call fails with\n`kyc-not-required-not-allowed`. In practice the flag is granted for testing rather than\nproduction use — production integrations verify via a hosted verification link or Sumsub token\nsharing.\n\nSupplying `VERIFIED` or `REJECTED` is rejected with `kyc-status-not-settable`. Omit the field\nfor the normal flow.\n","enum":["VERIFICATION_PENDING","VERIFIED","NOT_REQUIRED","REJECTED"],"uniqueKey":"kycStatus","typeLabel":"enum\u003cstring>"}},"example":{"externalId":"user-12345","name":"John Doe Account","chain":"BASE","party":{"partyType":"INDIVIDUAL","firstName":"John","lastName":"Doe","address":{"addressLine1":"123 Main Street","city":"Amsterdam","postalCode":"1012AB","country":"NL"}}},"uniqueKey":"","typeLabel":"object"},"example":{"externalId":"user-12345","name":"Jane Doe — Main","chain":"BASE","address":"0x71C7656EC7ab88b098defB751B7401B5f6d8976F","partyId":"7e3b9c2a-1f4d-4a8b-9c11-2d6e8f0a1b22"},"examples":{"Example":{"title":"Example","value":{"externalId":"user-12345","name":"Jane Doe — Main","chain":"BASE","address":"0x71C7656EC7ab88b098defB751B7401B5f6d8976F","partyId":"7e3b9c2a-1f4d-4a8b-9c11-2d6e8f0a1b22"}}},"exampleType":"examples"}},"exampleType":"examples"},"responses":{"5acc7f9e-aa7e-4a2b-81f5-b3a3bfaad2a7":{"description":"Account created","content":{"application/json":{"schema":{"type":"object","properties":{"success":{"type":"boolean","description":"Indicates whether the request was successful","uniqueKey":"success","typeLabel":"boolean"},"result":{"type":"object","description":"The account as returned by `POST /accounts`: the `Account` fields plus, only when a forwarded\n`sumsubToken` still needs the customer to act, the `verification` block.\n","properties":{"id":{"type":"string","format":"uuid","uniqueKey":"result.id","typeLabel":"string\u003cuuid>"},"externalId":{"type":"string","uniqueKey":"result.externalId","typeLabel":"string"},"name":{"type":"string","description":"Display name for the account","uniqueKey":"result.name","typeLabel":"string"},"kycStatus":{"type":"string","description":"KYC verification status (Individuals \u0026 accounts).\n- `VERIFICATION_PENDING` — awaiting a verdict; money movement is blocked\n- `VERIFIED` — approved; all operations available\n- `REJECTED` — verification was declined\n- `NOT_REQUIRED` — **accounts only.** The tenant manages KYC itself, so Venly does not gate on its\n own verification. Settable only at account creation, and only once a **Venly admin has enabled the\n tenant-managed KYC flag** on the company tenant; otherwise the call fails with\n `kyc-not-required-not-allowed`. The flag is granted for testing rather than production use —\n production integrations verify via a hosted verification link or Sumsub token sharing.\n","enum":["VERIFICATION_PENDING","VERIFIED","NOT_REQUIRED","REJECTED"],"uniqueKey":"result.kycStatus","typeLabel":"enum\u003cstring>"},"status":{"type":"string","description":"Status of an account","enum":["ACTIVE","SUSPENDED","CLOSED"],"uniqueKey":"result.status","typeLabel":"enum\u003cstring>"},"createdAt":{"type":"string","format":"date-time","uniqueKey":"result.createdAt","typeLabel":"string\u003cdate-time>"},"version":{"type":"integer","format":"int64","description":"Optimistic-locking version","uniqueKey":"result.version","typeLabel":"integer\u003cint64>"},"verification":{"type":"object","description":"The action the account holder still has to take to finish the Sumsub verification forwarded\nwith the account. `completionUrl` embeds a short-lived access token — hand it to the end\ncustomer and treat it as a credential. It is not stored, so once it expires mint a fresh one\nwith [Issue a KYC completion link](/api-reference/Finance-API/parties/issue-a-kyc-completion-link).\n","required":["requiredAction"],"properties":{"requiredAction":{"type":"string","description":"What the customer still has to do. New values may be added.","example":"COMPLETE_SUMSUB_VERIFICATION","isRequired":true,"uniqueKey":"result.verification.requiredAction","typeLabel":"string"},"completionUrl":{"type":"string","description":"Short-lived link the end customer opens to finish the verification. Treat as a credential.","example":"https://in.sumsub.com/websdk/p/sbx_uni_2kq7c9ZxT4","uniqueKey":"result.verification.completionUrl","typeLabel":"string"},"completionUrlExpiresAt":{"type":"string","format":"date-time","description":"When `completionUrl` expires.","uniqueKey":"result.verification.completionUrlExpiresAt","typeLabel":"string\u003cdate-time>"}},"uniqueKey":"result.verification","typeLabel":"object"}},"uniqueKey":"result","typeLabel":"object"}},"uniqueKey":"","typeLabel":"object"},"examples":{"created":{"title":"created","value":{"success":true,"result":{"id":"b2a1f0e9-8c7d-4e3a-9f21-0a1b2c3d4e5f","externalId":"user-12345","name":"Jane Doe — Main","kycStatus":"VERIFICATION_PENDING","status":"ACTIVE","createdAt":"2026-01-15T09:30:00Z","version":0}}},"customerActionRequired":{"title":"customerActionRequired","value":{"success":true,"result":{"id":"b2a1f0e9-8c7d-4e3a-9f21-0a1b2c3d4e5f","externalId":"user-12345","name":"Jane Doe — Main","kycStatus":"VERIFICATION_PENDING","status":"ACTIVE","createdAt":"2026-01-15T09:30:00Z","version":0,"verification":{"requiredAction":"COMPLETE_SUMSUB_VERIFICATION","completionUrl":"https://in.sumsub.com/websdk/p/sbx_uni_2kq7c9ZxT4","completionUrlExpiresAt":"2026-01-15T10:30:00Z"}}}}},"exampleType":"examples"}},"exampleType":"examples"},"4c3d6656-919b-444e-b3e2-7bff3b5ab42d":{"description":"Invalid request. Possible error codes:\n- Missing required fields, or `chain` not in the company's supported chains\n- The company has no supported assets configured for the requested chain\n- `INVALID_ADDRESS_FORMAT` — malformed wallet address, or `address` missing for a SELF_CUSTODY company\n- `partyId` and `party` supplied together (mutually exclusive)\n- `kyc-status-not-settable` — `kycStatus` `VERIFIED` or `REJECTED` supplied (not client-settable)\n- `kyc-not-required-not-allowed` — `kycStatus: NOT_REQUIRED` supplied but no Venly admin has enabled the tenant-managed KYC flag on your company tenant\n- `verification-kyc-only` — `party.sumsubToken` supplied but `party.partyType` is not `INDIVIDUAL`\n- `verification-self-custody-only` — `party.sumsubToken` supplied but your company's wallet type is not `SELF_CUSTODY`\n- `verification-not-provisioned` — `party.sumsubToken` supplied but verification is not provisioned for your company\n- `SUMSUB_TOKEN_NOT_REDEEMABLE` — the share token is expired or already used. The whole request is rolled back; retry with a fresh token\n","content":{"application/json":{"schema":{"type":"object","description":"Error response wrapper","properties":{"success":{"type":"boolean","description":"Always false for error responses","example":false,"uniqueKey":"success","typeLabel":"boolean"},"errors":{"type":"array","description":"List of errors that occurred","items":{"type":"object","description":"Individual error details","properties":{"code":{"type":"string","description":"Machine-readable error code","example":"invalid-request","uniqueKey":"errors.items.[INDEX].code","typeLabel":"string"},"message":{"type":"string","description":"Human-readable error message","example":"The request contains invalid parameters.","uniqueKey":"errors.items.[INDEX].message","typeLabel":"string"}},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"},"result":{"oneOf":[{"type":"object","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.0","typeLabel":"object"},{"type":"null","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.1","typeLabel":"null"}],"uniqueKey":"result","typeLabel":"object | null"}},"uniqueKey":"","typeLabel":"object"},"example":{"success":false,"errors":[{"code":"SUMSUB_TOKEN_NOT_REDEEMABLE","message":"The supplied sumsubToken is expired or already used. Retry with a fresh token."}]},"examples":{"Example":{"title":"Example","value":{"success":false,"errors":[{"code":"SUMSUB_TOKEN_NOT_REDEEMABLE","message":"The supplied sumsubToken is expired or already used. Retry with a fresh token."}]}}},"exampleType":"examples"}},"exampleType":"examples"},"548c778c-f7f9-4e00-9c52-ed17b9c285bd":{"description":"Authentication required or failed (401)","content":{"application/json":{"schema":{"type":"object","description":"Error response wrapper","properties":{"success":{"type":"boolean","description":"Always false for error responses","example":false,"uniqueKey":"success","typeLabel":"boolean"},"errors":{"type":"array","description":"List of errors that occurred","items":{"type":"object","description":"Individual error details","properties":{"code":{"type":"string","description":"Machine-readable error code","example":"invalid-request","uniqueKey":"errors.items.[INDEX].code","typeLabel":"string"},"message":{"type":"string","description":"Human-readable error message","example":"The request contains invalid parameters.","uniqueKey":"errors.items.[INDEX].message","typeLabel":"string"}},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"},"result":{"oneOf":[{"type":"object","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.0","typeLabel":"object"},{"type":"null","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.1","typeLabel":"null"}],"uniqueKey":"result","typeLabel":"object | null"}},"uniqueKey":"","typeLabel":"object"},"example":{"success":false,"errors":[{"code":"unauthenticated","message":"Please authenticate to perform this action."}]},"examples":{"Example":{"title":"Example","value":{"success":false,"errors":[{"code":"unauthenticated","message":"Please authenticate to perform this action."}]}}},"exampleType":"examples"}},"exampleType":"examples"},"0f2b50f8-a9fb-45c5-ba63-e88fa1b25acf":{"description":"Caller lacks the required authority/role (403)","content":{"application/json":{"schema":{"type":"object","description":"Error response wrapper","properties":{"success":{"type":"boolean","description":"Always false for error responses","example":false,"uniqueKey":"success","typeLabel":"boolean"},"errors":{"type":"array","description":"List of errors that occurred","items":{"type":"object","description":"Individual error details","properties":{"code":{"type":"string","description":"Machine-readable error code","example":"invalid-request","uniqueKey":"errors.items.[INDEX].code","typeLabel":"string"},"message":{"type":"string","description":"Human-readable error message","example":"The request contains invalid parameters.","uniqueKey":"errors.items.[INDEX].message","typeLabel":"string"}},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"},"result":{"oneOf":[{"type":"object","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.0","typeLabel":"object"},{"type":"null","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.1","typeLabel":"null"}],"uniqueKey":"result","typeLabel":"object | null"}},"uniqueKey":"","typeLabel":"object"},"example":{"success":false,"errors":[{"code":"forbidden","message":"You do not have permission to access this resource."}]},"examples":{"Example":{"title":"Example","value":{"success":false,"errors":[{"code":"forbidden","message":"You do not have permission to access this resource."}]}}},"exampleType":"examples"}},"exampleType":"examples"},"ab28e157-4cb5-4a8d-b61c-6eed60d557e9":{"description":"`party-not-found` — the supplied `partyId` does not exist or belongs to another company.","content":{"application/json":{"schema":{"type":"object","description":"Error response wrapper","properties":{"success":{"type":"boolean","description":"Always false for error responses","example":false,"uniqueKey":"success","typeLabel":"boolean"},"errors":{"type":"array","description":"List of errors that occurred","items":{"type":"object","description":"Individual error details","properties":{"code":{"type":"string","description":"Machine-readable error code","example":"invalid-request","uniqueKey":"errors.items.[INDEX].code","typeLabel":"string"},"message":{"type":"string","description":"Human-readable error message","example":"The request contains invalid parameters.","uniqueKey":"errors.items.[INDEX].message","typeLabel":"string"}},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"},"result":{"oneOf":[{"type":"object","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.0","typeLabel":"object"},{"type":"null","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.1","typeLabel":"null"}],"uniqueKey":"result","typeLabel":"object | null"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Example":{"title":"Example","value":{"success":false,"errors":[{"code":"invalid-request","message":"The request contains invalid parameters."}],"result":{}}}},"exampleType":"generated"}},"exampleType":"generated"},"c688fac2-5697-4b0f-a838-0a0c95a9e9d7":{"description":"Conflict. Possible error codes:\n- `account-already-exists` — an account with this `externalId` already exists for your company\n- `card-provider-already-linked` — the supplied `cardProviderReference` is already linked to another account\n","content":{"application/json":{"schema":{"type":"object","description":"Error response wrapper","properties":{"success":{"type":"boolean","description":"Always false for error responses","example":false,"uniqueKey":"success","typeLabel":"boolean"},"errors":{"type":"array","description":"List of errors that occurred","items":{"type":"object","description":"Individual error details","properties":{"code":{"type":"string","description":"Machine-readable error code","example":"invalid-request","uniqueKey":"errors.items.[INDEX].code","typeLabel":"string"},"message":{"type":"string","description":"Human-readable error message","example":"The request contains invalid parameters.","uniqueKey":"errors.items.[INDEX].message","typeLabel":"string"}},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"},"result":{"oneOf":[{"type":"object","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.0","typeLabel":"object"},{"type":"null","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.1","typeLabel":"null"}],"uniqueKey":"result","typeLabel":"object | null"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Example":{"title":"Example","value":{"success":false,"errors":[{"code":"invalid-request","message":"The request contains invalid parameters."}],"result":{}}}},"exampleType":"generated"}},"exampleType":"generated"},"7a8dabe7-54b4-45aa-a6da-e1724ce99b53":{"description":"Server error, including `identity-verification-rejected` when verification rejects a\nforwarded `sumsubToken`. The whole request is rolled back — no account is created.\n","content":{"application/json":{"schema":{"type":"object","description":"Error response wrapper","properties":{"success":{"type":"boolean","description":"Always false for error responses","example":false,"uniqueKey":"success","typeLabel":"boolean"},"errors":{"type":"array","description":"List of errors that occurred","items":{"type":"object","description":"Individual error details","properties":{"code":{"type":"string","description":"Machine-readable error code","example":"invalid-request","uniqueKey":"errors.items.[INDEX].code","typeLabel":"string"},"message":{"type":"string","description":"Human-readable error message","example":"The request contains invalid parameters.","uniqueKey":"errors.items.[INDEX].message","typeLabel":"string"}},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"},"result":{"oneOf":[{"type":"object","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.0","typeLabel":"object"},{"type":"null","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.1","typeLabel":"null"}],"uniqueKey":"result","typeLabel":"object | null"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Example":{"title":"Example","value":{"success":false,"errors":[{"code":"invalid-request","message":"The request contains invalid parameters."}],"result":{}}}},"exampleType":"generated"}},"exampleType":"generated"},"a8fc5b33-54a2-4e89-8b33-d2ec5cc23493":{"description":"`identity-verification-unavailable` — the `sumsubToken` forward could not reach the verification\nplatform (transient). The whole request is rolled back; retry with a fresh token.\n","content":{"application/json":{"schema":{"type":"object","description":"Error response wrapper","properties":{"success":{"type":"boolean","description":"Always false for error responses","example":false,"uniqueKey":"success","typeLabel":"boolean"},"errors":{"type":"array","description":"List of errors that occurred","items":{"type":"object","description":"Individual error details","properties":{"code":{"type":"string","description":"Machine-readable error code","example":"invalid-request","uniqueKey":"errors.items.[INDEX].code","typeLabel":"string"},"message":{"type":"string","description":"Human-readable error message","example":"The request contains invalid parameters.","uniqueKey":"errors.items.[INDEX].message","typeLabel":"string"}},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"},"result":{"oneOf":[{"type":"object","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.0","typeLabel":"object"},{"type":"null","description":"Null or omitted when success is false","uniqueKey":"result.oneOf.1","typeLabel":"null"}],"uniqueKey":"result","typeLabel":"object | null"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Example":{"title":"Example","value":{"success":false,"errors":[{"code":"invalid-request","message":"The request contains invalid parameters."}],"result":{}}}},"exampleType":"generated"}},"exampleType":"generated"}},"security":{"cea216b5-9159-488e-a42d-f5626675ace3":{"OAuth2":{"type":"oauth2","description":"OAuth2 client credentials flow. Token endpoints:\n- Staging: https://login-staging.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token\n- Production: https://login.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token\n","flows":{"clientCredentials":{"tokenUrl":"https://login-staging.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token","scopes":{}}},"scopes":[],"schemeName":"OAuth2"}}},"servers":{"21e412a3-a369-4e3e-8c53-f1ccb83c3a83":{"url":"https://api.venlyfinance.com/v1","description":"Production"},"bed023ee-c018-412c-ba06-d7ddf85d8199":{"url":"https://api-staging.venlyfinance.com/v1","description":"Staging"}},"processedSecurityOptions":[{"schemes":[{"scheme":{"type":"oauth2","description":"OAuth2 client credentials flow. Token endpoints:\n- Staging: https://login-staging.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token\n- Production: https://login.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token\n","flows":{"clientCredentials":{"tokenUrl":"https://login-staging.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token","scopes":{}}},"scopes":[],"schemeName":"OAuth2"},"schema":{"title":"OAuth2 Auth","type":"string","isRequired":true,"description":"OAuth2 client credentials flow. Token endpoints:\n- Staging: https://login-staging.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token\n- Production: https://login.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token\n","format":"bearer","typeLabel":"string\u003cbearer>","deprecated":false},"schemeName":"OAuth2","name":"Authorization"}],"title":"OAuth2"}]},"originalFileLocation":"api-reference/Finance-API-Specs.yaml"},"subdomain":"venly","siteName":"Venly Finance","title":"Create an account - Venly Finance","navMaps":{"firstHrefInVersion":{},"firstHrefInLanguage":{}},"lastModified":"2026-10-05T13:22:19.118Z","originalFileLocation":"api-reference/Finance-API/accounts/create-a-new-account.mdx"},"headHtml":"\u003cscript data-mint-head>(function(){var d=document.documentElement,p=null;if(!p){try{p=localStorage.getItem(\"isDarkMode\")}catch(e){}if(p==='true')p='dark';else if(p==='false')p='light';if(p!=='light'\u0026\u0026p!=='dark'\u0026\u0026p!=='system')p=\"system\"}var 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