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Create Investor Account

Use POST /v1/accounts to create a CSCS account or return an existing matching active investor. This is a protected operational endpoint for approved integrators.

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Required headers

x-api-key: <api-key>
Idempotency-Key: <unique-request-key>
Content-Type: application/json

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Account categories

The account creation schema supports individual, minor, and corporate requirements through conditional fields.
Account shapeImportant requirements
Individual and minorBirth date, gender, mother maiden name, next of kin name, and next of kin phone.
MinorGuardian relationship requirements and bvnHolderName where required.
CorporateRC number, RC date, and tax identification number.
The exact request shape is documented in the API Reference.

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Validation and dedupe

The API validates submitted broker and bank references. For non-exempt integrators, BVN/account validation happens before lookup or creation for individual, corporate, and minor requests. If the submitted data matches an existing active investor for the requested business context, the API can return that investor with 200 OK instead of creating a duplicate. Newly created accounts return 201 Created.

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Credit behavior

A credit reservation is required before account processing begins. Credits are charged when the request resolves to a newly created investor or an existing matching investor. Validation failures do not consume account-creation credits.