> For the complete documentation index, see [llms.txt](https://docs.ur.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ur.app/api-reference/api/kyc-and-kyb/managed-custody-kyc/create-the-account-and-onboarding-session.md).

# Create the account and onboarding session

Mints or reuses the user's URID, provisions the UR-managed wallet, and opens an onboarding session. This is the first step of both Managed Custody KYC paths: the SDK path starts in state ConfirmYourCountryOfResidence and the shared-token path starts in state PartnerDataIngestion. Repeated calls with the same X-External-User-Id while a session is active return the existing session with idempotentReplay set to true.

```json
{"openapi":"3.1.0","info":{"title":"UR API","version":"1.0.0"},"tags":[{"name":"Managed Custody KYC","description":"SDK KYC and shared-token KYC reuse for Managed Custody Mode."}],"servers":[{"url":"https://openapi.ur.app","description":"Production (partner API)"},{"url":"https://uropenapi-qa.ur-inc.xyz","description":"Testnet (partner API)"}],"security":[{"partnerAuth":[]},{"userWalletAuth":[]}],"components":{"securitySchemes":{"partnerAuth":{"type":"apiKey","in":"header","name":"X-Api-Signature","description":"Partner Auth: EIP-191 signature by the partner's registered backend key, with X-Api-Deadline and optional X-Api-PublicKey headers. See the Signature and verify guide."},"userWalletAuth":{"type":"apiKey","in":"header","name":"sign","description":"User wallet auth (External Wallet Access Mode): EIP-191 signature by the user's wallet key, with tokenId, network, hash, and deadline headers. See the Signature and verify guide."}},"schemas":{"KycCreateAccountRequest":{"type":"object","description":"Body for create-account. The user's identity travels in the X-External-User-Id header, not the body. Do not send a Sumsub applicantId on either KYC path; the applicant is assigned or handed off later.","required":["email"],"properties":{"email":{"type":"string","description":"The user's email address. Must be unique across UR partners; reusing the same email under a different partner returns L1_CONFLICT (code 30015)."},"nationality":{"type":"string","description":"ISO 3166-1 alpha-3 country code. Sending it lets UR fail country gates before the URID is minted."},"residency":{"type":"string","description":"ISO 3166-1 alpha-3 country code of residence."},"dob":{"type":"string","description":"Date of birth in YYYY-MM-DD format."},"documentExpiry":{"type":"string","description":"Passport or ID expiry date in YYYY-MM-DD format."}}},"KycCreateAccountResponse":{"type":"object","properties":{"code":{"type":"integer","description":"Business result code. 0 means success; business rejections return HTTP 200 with a non-zero code."},"message":{"type":"string","description":"Human-readable diagnostic for non-zero codes."},"data":{"type":"object","properties":{"sessionId":{"type":"string","description":"UUID for this onboarding attempt. Constant for the lifetime of the attempt; use it in every subsequent KYC endpoint."},"urId":{"type":"integer","format":"int64","description":"The user's URID, equal to the on-chain NFT token id. Stable for the user's lifetime across all retries."},"evmAddress":{"type":"string","description":"The user's UR-managed wallet address. Form A is signed by this address."},"state":{"type":"string","description":"Session entry state: ConfirmYourCountryOfResidence on the SDK path, PartnerDataIngestion on the shared-token path."},"idempotentReplay":{"type":"boolean","description":"True when an active onboarding session already exists for (partnerId, X-External-User-Id). The existing session is returned unchanged so repeated calls cannot mint duplicate URIDs."}}}}}}},"paths":{"/api/fma/v1/create-account":{"post":{"tags":["Managed Custody KYC"],"operationId":"kycMcCreateAccount","summary":"Create the account and onboarding session","description":"Mints or reuses the user's URID, provisions the UR-managed wallet, and opens an onboarding session. This is the first step of both Managed Custody KYC paths: the SDK path starts in state ConfirmYourCountryOfResidence and the shared-token path starts in state PartnerDataIngestion. Repeated calls with the same X-External-User-Id while a session is active return the existing session with idempotentReplay set to true.","parameters":[{"name":"X-External-User-Id","in":"header","required":true,"schema":{"type":"string"},"description":"Your partner-side user id. This endpoint identifies the user by X-External-User-Id only; there is no X-Ur-Id yet."},{"name":"X-Api-Signature","in":"header","required":true,"schema":{"type":"string"},"description":"Partner Auth EIP-191 signature over the canonical message plus the deadline."},{"name":"X-Api-Deadline","in":"header","required":true,"schema":{"type":"string"},"description":"Unix timestamp in seconds after which the signature is no longer valid."},{"name":"X-Api-PublicKey","in":"header","required":true,"schema":{"type":"string"},"description":"Partner public key used to verify the signature."}],"requestBody":{"required":true,"content":{"application/json":{"schema":{"$ref":"#/components/schemas/KycCreateAccountRequest"}}}},"responses":{"200":{"description":"Business result envelope. code 0 means success; business rejections return HTTP 200 with a non-zero code.","content":{"application/json":{"schema":{"$ref":"#/components/schemas/KycCreateAccountResponse"}}}}}}}}}
```


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