> ## 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 user

> Creates a new user with the provided details. Requires terms acceptance for compliance. Phone number must be unique within the project. In `CORPORATE` mode, `companyId` is required.



## OpenAPI

````yaml /api-reference/openapi.json post /users/
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:
  /users/:
    post:
      tags:
        - Users
      summary: Create user
      description: >-
        Creates a new user with the provided details. Requires terms acceptance
        for compliance. Phone number must be unique within the project. In
        `CORPORATE` mode, `companyId` is required.
      operationId: create_users
      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'
      requestBody:
        description: Request body for creating a new user
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                email:
                  type: string
                  maxLength: 50
                  format: email
                  pattern: >-
                    ^(?!\.)(?!.*\.\.)([A-Za-z0-9_'+\-\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$
                  examples:
                    - john.doe@partner.io
                  description: User email address (max 50 characters)
                phoneNumber:
                  type: string
                  pattern: ^\+[1-9]\d{6,14}$
                  description: Phone number in E.164 format (e.g., +14155552671)
                  examples:
                    - '+14155552671'
                firstName:
                  examples:
                    - John
                  description: >-
                    User first name (1-100 characters). Optional -
                    auto-populated from the verified KYC identity on application
                    approval if omitted.
                  type: string
                  minLength: 1
                  maxLength: 100
                lastName:
                  examples:
                    - Doe
                  description: >-
                    User last name (1-100 characters). Optional - auto-populated
                    from the verified KYC identity on application approval if
                    omitted.
                  type: string
                  minLength: 1
                  maxLength: 100
                companyId:
                  description: Company ID (required in `CORPORATE` program mode)
                  type: string
                  format: uuid
                termsAcceptance:
                  type: object
                  properties:
                    version:
                      type: string
                      enum:
                        - '2026-01-17'
                      description: Version of terms being accepted
                      example: '2026-01-17'
                    ipAddress:
                      anyOf:
                        - type: string
                          format: ipv4
                          pattern: >-
                            ^(?:(?:25[0-5]|2[0-4][0-9]|1[0-9][0-9]|[1-9][0-9]|[0-9])\.){3}(?:25[0-5]|2[0-4][0-9]|1[0-9][0-9]|[1-9][0-9]|[0-9])$
                        - type: string
                          format: ipv6
                          pattern: >-
                            ^(([0-9a-fA-F]{1,4}:){7}[0-9a-fA-F]{1,4}|([0-9a-fA-F]{1,4}:){1,7}:|([0-9a-fA-F]{1,4}:){1,6}:[0-9a-fA-F]{1,4}|([0-9a-fA-F]{1,4}:){1,5}(:[0-9a-fA-F]{1,4}){1,2}|([0-9a-fA-F]{1,4}:){1,4}(:[0-9a-fA-F]{1,4}){1,3}|([0-9a-fA-F]{1,4}:){1,3}(:[0-9a-fA-F]{1,4}){1,4}|([0-9a-fA-F]{1,4}:){1,2}(:[0-9a-fA-F]{1,4}){1,5}|[0-9a-fA-F]{1,4}:((:[0-9a-fA-F]{1,4}){1,6})|:((:[0-9a-fA-F]{1,4}){1,7}|:))$
                      description: IPv4 or IPv6 address
                      examples:
                        - 192.168.1.1
                        - '::1'
                  required:
                    - version
                    - ipAddress
                  description: Terms acceptance is required for compliance
              required:
                - email
                - phoneNumber
                - termsAcceptance
          application/x-www-form-urlencoded:
            schema:
              type: object
              properties:
                email:
                  type: string
                  maxLength: 50
                  format: email
                  pattern: >-
                    ^(?!\.)(?!.*\.\.)([A-Za-z0-9_'+\-\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$
                  examples:
                    - john.doe@partner.io
                  description: User email address (max 50 characters)
                phoneNumber:
                  type: string
                  pattern: ^\+[1-9]\d{6,14}$
                  description: Phone number in E.164 format (e.g., +14155552671)
                  examples:
                    - '+14155552671'
                firstName:
                  examples:
                    - John
                  description: >-
                    User first name (1-100 characters). Optional -
                    auto-populated from the verified KYC identity on application
                    approval if omitted.
                  type: string
                  minLength: 1
                  maxLength: 100
                lastName:
                  examples:
                    - Doe
                  description: >-
                    User last name (1-100 characters). Optional - auto-populated
                    from the verified KYC identity on application approval if
                    omitted.
                  type: string
                  minLength: 1
                  maxLength: 100
                companyId:
                  description: Company ID (required in `CORPORATE` program mode)
                  type: string
                  format: uuid
                termsAcceptance:
                  type: object
                  properties:
                    version:
                      type: string
                      enum:
                        - '2026-01-17'
                      description: Version of terms being accepted
                      example: '2026-01-17'
                    ipAddress:
                      anyOf:
                        - type: string
                          format: ipv4
                          pattern: >-
                            ^(?:(?:25[0-5]|2[0-4][0-9]|1[0-9][0-9]|[1-9][0-9]|[0-9])\.){3}(?:25[0-5]|2[0-4][0-9]|1[0-9][0-9]|[1-9][0-9]|[0-9])$
                        - type: string
                          format: ipv6
                          pattern: >-
                            ^(([0-9a-fA-F]{1,4}:){7}[0-9a-fA-F]{1,4}|([0-9a-fA-F]{1,4}:){1,7}:|([0-9a-fA-F]{1,4}:){1,6}:[0-9a-fA-F]{1,4}|([0-9a-fA-F]{1,4}:){1,5}(:[0-9a-fA-F]{1,4}){1,2}|([0-9a-fA-F]{1,4}:){1,4}(:[0-9a-fA-F]{1,4}){1,3}|([0-9a-fA-F]{1,4}:){1,3}(:[0-9a-fA-F]{1,4}){1,4}|([0-9a-fA-F]{1,4}:){1,2}(:[0-9a-fA-F]{1,4}){1,5}|[0-9a-fA-F]{1,4}:((:[0-9a-fA-F]{1,4}){1,6})|:((:[0-9a-fA-F]{1,4}){1,7}|:))$
                      description: IPv4 or IPv6 address
                      examples:
                        - 192.168.1.1
                        - '::1'
                  required:
                    - version
                    - ipAddress
                  description: Terms acceptance is required for compliance
              required:
                - email
                - phoneNumber
                - termsAcceptance
          multipart/form-data:
            schema:
              type: object
              properties:
                email:
                  type: string
                  maxLength: 50
                  format: email
                  pattern: >-
                    ^(?!\.)(?!.*\.\.)([A-Za-z0-9_'+\-\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$
                  examples:
                    - john.doe@partner.io
                  description: User email address (max 50 characters)
                phoneNumber:
                  type: string
                  pattern: ^\+[1-9]\d{6,14}$
                  description: Phone number in E.164 format (e.g., +14155552671)
                  examples:
                    - '+14155552671'
                firstName:
                  examples:
                    - John
                  description: >-
                    User first name (1-100 characters). Optional -
                    auto-populated from the verified KYC identity on application
                    approval if omitted.
                  type: string
                  minLength: 1
                  maxLength: 100
                lastName:
                  examples:
                    - Doe
                  description: >-
                    User last name (1-100 characters). Optional - auto-populated
                    from the verified KYC identity on application approval if
                    omitted.
                  type: string
                  minLength: 1
                  maxLength: 100
                companyId:
                  description: Company ID (required in `CORPORATE` program mode)
                  type: string
                  format: uuid
                termsAcceptance:
                  type: object
                  properties:
                    version:
                      type: string
                      enum:
                        - '2026-01-17'
                      description: Version of terms being accepted
                      example: '2026-01-17'
                    ipAddress:
                      anyOf:
                        - type: string
                          format: ipv4
                          pattern: >-
                            ^(?:(?:25[0-5]|2[0-4][0-9]|1[0-9][0-9]|[1-9][0-9]|[0-9])\.){3}(?:25[0-5]|2[0-4][0-9]|1[0-9][0-9]|[1-9][0-9]|[0-9])$
                        - type: string
                          format: ipv6
                          pattern: >-
                            ^(([0-9a-fA-F]{1,4}:){7}[0-9a-fA-F]{1,4}|([0-9a-fA-F]{1,4}:){1,7}:|([0-9a-fA-F]{1,4}:){1,6}:[0-9a-fA-F]{1,4}|([0-9a-fA-F]{1,4}:){1,5}(:[0-9a-fA-F]{1,4}){1,2}|([0-9a-fA-F]{1,4}:){1,4}(:[0-9a-fA-F]{1,4}){1,3}|([0-9a-fA-F]{1,4}:){1,3}(:[0-9a-fA-F]{1,4}){1,4}|([0-9a-fA-F]{1,4}:){1,2}(:[0-9a-fA-F]{1,4}){1,5}|[0-9a-fA-F]{1,4}:((:[0-9a-fA-F]{1,4}){1,6})|:((:[0-9a-fA-F]{1,4}){1,7}|:))$
                      description: IPv4 or IPv6 address
                      examples:
                        - 192.168.1.1
                        - '::1'
                  required:
                    - version
                    - ipAddress
                  description: Terms acceptance is required for compliance
              required:
                - email
                - phoneNumber
                - termsAcceptance
      responses:
        '200':
          description: User resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/User'
        '400':
          description: Response for status 400
          content:
            application/json:
              schema:
                anyOf:
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: PHONE_NUMBER_ALREADY_EXISTS
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: PhoneNumberAlreadyExistsError
                    description: >-
                      A user with this phone number already exists in the
                      project
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: INVALID_PHONE_NUMBER
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: InvalidPhoneNumberError
                    description: Phone number is not a valid E.164 number
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: INVALID_EMAIL_DOMAIN
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: InvalidEmailDomainError
                    description: >-
                      Email uses a reserved or non-routable top-level domain
                      (e.g. .test, .example, .invalid, .localhost)
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: COMPANY_ID_REQUIRED
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: CompanyIdRequiredError
                    description: companyId is required in Corporate program mode
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: COMPANY_ID_NOT_ALLOWED
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: CompanyIdNotAllowedError
                    description: companyId is not allowed in Consumer program mode
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: USER_COMPANY_NOT_FOUND
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: UserCompanyNotFoundError
                    description: The specified company does not exist
        '409':
          description: >-
            The maximum number of users allowed for this project has been
            reached
          content:
            application/json:
              schema:
                type: object
                properties:
                  error:
                    type: object
                    properties:
                      code:
                        type: string
                        const: USER_QUOTA_EXCEEDED
                      message:
                        type: string
                      detail:
                        anyOf:
                          - type: object
                            additionalProperties: {}
                          - type: 'null'
                    required:
                      - code
                      - message
                      - detail
                required:
                  - error
                title: UserQuotaExceededError
components:
  schemas:
    User:
      type: object
      properties:
        id:
          type: string
          format: uuid
          description: Unique user identifier
        email:
          type: string
          format: email
          pattern: >-
            ^(?!\.)(?!.*\.\.)([A-Za-z0-9_'+\-\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$
          examples:
            - john.doe@example.com
          description: User email address
        phoneNumber:
          type: string
          examples:
            - '+14155552671'
          description: Phone number in E.164 format
        firstName:
          anyOf:
            - type: string
            - type: 'null'
          examples:
            - John
          description: >-
            User first name. Null until provided by the client or backfilled
            from the verified KYC identity on approval.
        lastName:
          anyOf:
            - type: string
            - type: 'null'
          examples:
            - Doe
          description: >-
            User last name. Null until provided by the client or backfilled from
            the verified KYC identity on approval.
        country:
          anyOf:
            - type: string
              minLength: 2
              maxLength: 2
              examples:
                - US
                - GB
                - DE
              description: ISO 3166-1 alpha-2 country code
            - type: 'null'
        dateOfBirth:
          anyOf:
            - type: string
            - type: 'null'
          examples:
            - '1990-05-15'
          description: Date of birth in YYYY-MM-DD format (populated from KYC)
        companyId:
          anyOf:
            - type: string
              format: uuid
            - type: 'null'
          description: Company ID (set in `CORPORATE` program mode)
        application:
          $ref: '#/components/schemas/UserApplication'
        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
        - email
        - phoneNumber
        - firstName
        - lastName
        - country
        - dateOfBirth
        - companyId
        - application
        - createdAt
        - updatedAt
    UserApplication:
      type: object
      properties:
        status:
          type: string
          enum:
            - NOT_STARTED
            - AWAITING_DOCUMENTS
            - IN_REVIEW
            - APPROVED
            - REJECTED
            - RETRY_REQUIRED
          description: Current KYC application status
          example: NOT_STARTED
        rejectionReason:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Human-readable reason for rejection. Set when status is `REJECTED`
            or `RETRY_REQUIRED`, null otherwise.
        documents:
          anyOf:
            - type: array
              items:
                $ref: '#/components/schemas/UserApplicationDocument'
            - type: 'null'
          description: >-
            Supporting documents the application is waiting on, each with its
            upload state. Null when no document submission is pending.
      required:
        - status
        - rejectionReason
        - documents
      description: KYC application status
    UserApplicationDocument:
      type: object
      properties:
        type:
          type: string
          enum:
            - IDENTITY
            - PROOF_OF_ADDRESS
            - CURP
          description: Supporting document category
          example: IDENTITY
        status:
          type: string
          enum:
            - PENDING
            - UPLOADED
          description: Upload state of this document
          example: PENDING
      required:
        - type
        - status
      description: A supporting document and its upload state
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: API key as Bearer token

````