> ## Documentation Index > Fetch the complete documentation index at: https://docs.reap.global/llms.txt > Use this file to discover all available pages before exploring further. # Create account > Creates a new account for the given owner. The account owner type is determined by the project account ownership mode (`USER` or `COMPANY`). The owner must have an approved application (KYC for users, KYB for companies). For projects that provision user wallets (`USER_FUNDED` funding model), deposit addresses are created on all enabled chains and signer data is required (address + signed auth message from `GET /accounts/auth-message`). For projects without user wallets (`PROGRAM_FUNDED` funding model), no deposit addresses are provisioned and signers are not required. ## OpenAPI ````yaml /api-reference/openapi.json post /accounts/ openapi: 3.1.0 info: title: Reap API version: 1.0.0 description: Reap platform API servers: - url: https://sandbox.api.reap.global description: Sandbox - url: https://prod.api.reap.global description: Production security: - bearerAuth: [] tags: - name: Accounts - name: Activities - name: Card Designs - name: Card Shipments - name: Card Transactions - name: Cards - name: Companies - name: Crypto Deposits - name: Policies - name: Simulation - name: Users - name: Virtual Asset Postings - name: Virtual Assets - name: Webhooks paths: /accounts/: post: tags: - Accounts summary: Create account description: >- Creates a new account for the given owner. The account owner type is determined by the project account ownership mode (`USER` or `COMPANY`). The owner must have an approved application (KYC for users, KYB for companies). For projects that provision user wallets (`USER_FUNDED` funding model), deposit addresses are created on all enabled chains and signer data is required (address + signed auth message from `GET /accounts/auth-message`). For projects without user wallets (`PROGRAM_FUNDED` funding model), no deposit addresses are provisioned and signers are not required. operationId: create_accounts parameters: - name: Reap-Version in: header required: true schema: type: string enum: - '2025-02-14' description: API version (YYYY-MM-DD) example: '2025-02-14' - name: Idempotency-Key in: header required: true schema: type: string minLength: 1 maxLength: 255 description: >- Unique key for safely retrying this request. Up to 255 characters; we recommend a UUIDv4. The first request executes and its response is cached; subsequent requests with the same key replay the cached response (24h retention). requestBody: required: true content: application/json: schema: type: object properties: ownerId: type: string format: uuid description: >- Owner entity ID. Must be a user ID or company ID, depending on the project's account ownership mode. signers: description: >- Signer configurations per protocol. Required for projects that provision user wallets (`USER_FUNDED` funding model); omitted for projects without user wallets (`PROGRAM_FUNDED`). The signer authorizes withdrawals from the account. Use `GET /accounts/auth-message` to get the message to sign. type: object properties: evm: description: EVM signer configuration type: object properties: address: type: string minLength: 1 description: Signer address message: type: string minLength: 1 description: >- Auth message (JSON string from `GET /accounts/auth-message`) signature: type: string minLength: 1 description: Signature of the auth message, proving key ownership required: - address - message - signature svm: description: SVM signer configuration type: object properties: address: type: string minLength: 1 description: Signer address message: type: string minLength: 1 description: >- Auth message (JSON string from `GET /accounts/auth-message`) signature: type: string minLength: 1 description: Signature of the auth message, proving key ownership required: - address - message - signature required: - ownerId application/x-www-form-urlencoded: schema: type: object properties: ownerId: type: string format: uuid description: >- Owner entity ID. Must be a user ID or company ID, depending on the project's account ownership mode. signers: description: >- Signer configurations per protocol. Required for projects that provision user wallets (`USER_FUNDED` funding model); omitted for projects without user wallets (`PROGRAM_FUNDED`). The signer authorizes withdrawals from the account. Use `GET /accounts/auth-message` to get the message to sign. type: object properties: evm: description: EVM signer configuration type: object properties: address: type: string minLength: 1 description: Signer address message: type: string minLength: 1 description: >- Auth message (JSON string from `GET /accounts/auth-message`) signature: type: string minLength: 1 description: Signature of the auth message, proving key ownership required: - address - message - signature svm: description: SVM signer configuration type: object properties: address: type: string minLength: 1 description: Signer address message: type: string minLength: 1 description: >- Auth message (JSON string from `GET /accounts/auth-message`) signature: type: string minLength: 1 description: Signature of the auth message, proving key ownership required: - address - message - signature required: - ownerId multipart/form-data: schema: type: object properties: ownerId: type: string format: uuid description: >- Owner entity ID. Must be a user ID or company ID, depending on the project's account ownership mode. signers: description: >- Signer configurations per protocol. Required for projects that provision user wallets (`USER_FUNDED` funding model); omitted for projects without user wallets (`PROGRAM_FUNDED`). The signer authorizes withdrawals from the account. Use `GET /accounts/auth-message` to get the message to sign. type: object properties: evm: description: EVM signer configuration type: object properties: address: type: string minLength: 1 description: Signer address message: type: string minLength: 1 description: >- Auth message (JSON string from `GET /accounts/auth-message`) signature: type: string minLength: 1 description: Signature of the auth message, proving key ownership required: - address - message - signature svm: description: SVM signer configuration type: object properties: address: type: string minLength: 1 description: Signer address message: type: string minLength: 1 description: >- Auth message (JSON string from `GET /accounts/auth-message`) signature: type: string minLength: 1 description: Signature of the auth message, proving key ownership required: - address - message - signature required: - ownerId responses: '200': description: Response for status 200 content: application/json: schema: type: object properties: id: type: string format: uuid description: Unique account identifier status: type: string enum: - ACTIVE - RESTRICTED description: Current account status example: ACTIVE ownerType: type: string enum: - USER - COMPANY - PROJECT description: Type of entity that owns this account example: USER ownerId: anyOf: - type: string format: uuid - type: 'null' description: >- Owner entity ID (user or company). Null for `PROJECT`-owned master accounts. chainAddresses: type: array items: $ref: '#/components/schemas/ChainAddress' description: >- Deposit addresses by chain. Empty for accounts without provisioned wallets (user accounts on `PROGRAM_FUNDED` projects). createdAt: type: string examples: - '2024-01-15T10:30:00Z' description: ISO 8601 timestamp of creation updatedAt: type: string examples: - '2024-01-15T10:35:00Z' description: ISO 8601 timestamp of last update required: - id - status - ownerType - ownerId - chainAddresses - createdAt - updatedAt '400': description: Response for status 400 content: application/json: schema: anyOf: - type: object properties: error: type: object properties: code: type: string const: INVALID_ACCOUNT_OWNER message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: InvalidAccountOwnerError description: Invalid account owner specification - type: object properties: error: type: object properties: code: type: string const: USER_NOT_APPROVED message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: UserNotApprovedError description: User KYC application is not approved - type: object properties: error: type: object properties: code: type: string const: COMPANY_NOT_ACTIVE message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CompanyNotActiveError description: Company is not active - type: object properties: error: type: object properties: code: type: string const: MISSING_SIGNER message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: MissingSignerError description: >- Signers must be provided for all protocols required by enabled chains - type: object properties: error: type: object properties: code: type: string const: SIGNER_EXPIRED message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: SignerExpiredError description: Signer authentication message has expired - type: object properties: error: type: object properties: code: type: string const: SIGNER_INVALID_DOMAIN message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: SignerInvalidDomainError description: Signer authentication message has invalid domain - type: object properties: error: type: object properties: code: type: string const: SIGNER_INVALID_MESSAGE_FORMAT message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: SignerInvalidMessageFormatError description: Signer authentication message has invalid format - type: object properties: error: type: object properties: code: type: string const: SIGNER_INVALID_SIGNATURE message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: SignerInvalidSignatureError description: Signer signature verification failed - type: object properties: error: type: object properties: code: type: string const: SIGNER_INVALID_ADDRESS message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: SignerInvalidAddressError description: Signer address is invalid components: schemas: ChainAddress: type: object properties: chainId: type: string enum: - ETHEREUM_MAINNET - ETHEREUM_SEPOLIA - BASE_MAINNET - BASE_SEPOLIA - ARBITRUM_ONE_MAINNET - ARBITRUM_ONE_SEPOLIA - POLYGON_MAINNET - POLYGON_AMOY - SOLANA_MAINNET - SOLANA_DEVNET description: Blockchain network identifier example: ETHEREUM_MAINNET address: type: string examples: - '0x742d35Cc6634C0532925a3b844Bc9e7595f8fA21' description: Deposit address on this chain required: - chainId - address description: Deposit address for a specific blockchain securitySchemes: bearerAuth: type: http scheme: bearer description: API key as Bearer token ````