LElead
User Account

Create a user account

Changed on

Create a User Account.

post/v2/user_accounts

Request

  • Base URL
    https://api.sandbox.lead.bank
  • URL
    https://api.sandbox.lead.bank/v2/user_accounts
  • Auth
    HTTP bearer

Headers

Idempotency-Keystring required

A unique key for this request, up to 255 characters. Retrying with the same key and body returns the original response without creating a second user account. See Idempotency.

Request body

application_idstring

Unique identifier for the application. Prefixed with application_.

requested_featuresUserAccountFeatureV2[] required

The features the user account should be granted. The feature must be pre-approved for your program. Learn more about features here.

product_namestring required

Partner's name for their product

balance_sheet_model'held_for_investment' | 'held_for_sale'

How Lead carries the user account's credit on its balance sheet.

product_config_idstring required

Identifies the product configuration set up for your program. Provided to you by your Lead Technical Account Manager. Cannot be changed once set.

metadataMetadata

A set of key-value pairs that can be used to store additional information related to this object.

Example request

{
  "application_id": "application_xyz123",
  "entities": {
    "account_holders": [
      "entity_xyz123"
    ],
    "authorized_signers": [
      "entity_xyz123"
    ],
    "authorized_users": [
      "entity_xyz123"
    ]
  },
  "product_config_id": "product_config_xyz123",
  "details": {
    "underwriting": {
      "currency_code": "USD"
    }
  },
  "documents": [
    {
      "file_id": "file_7RwQ2mK9pL4xT1vN8jS5",
      "timestamp": "2026-09-14T14:20:11Z",
      "version": "v2"
    }
  ]
}

Response

User account created successfully.

idstring required

The ID of the User Account object.

status'active' | 'inactive' | 'closed' required

Current state of the user account

status_reason'client_closed' | 'entity_closed' | 'frozen' | 'dormant' | 'active' | 'paid_off' | 'charged_off' | 'canceled' | 'other' required

Machine-readable reason for the current status

application_idstring

Unique identifier for the application. Prefixed with application_.

featuresUserAccountFeatureV2[] required

Features granted to the user account.

product_namestring required

Partner's name for their product

client_account_idstring

The identifier you assigned in an Account file. Present only on user accounts created through file upload. Omitted on user accounts created through the API, which are identified only by id.

balance_sheet_model'held_for_investment' | 'held_for_sale'

How Lead carries the user account's credit on its balance sheet.

product_config_idstring nullable

The id of the product configuration the user account was created under. null only on user accounts created before product config ids existed.

metadataMetadata required

A set of key-value pairs that can be used to store additional information related to this object.

created_atstring date-time required

Creation timestamp

updated_atstring date-time required

Last update timestamp

closed_atstring date-time nullable

Timestamp when the user account was closed. Updated by /close endpoint.

Example response

{
  "id": "user_account_xyz123",
  "application_id": "application_xyz123",
  "details": {
    "underwriting": {
      "currency_code": "USD"
    }
  },
  "documents": [
    {
      "file_id": "file_7RwQ2mK9pL4xT1vN8jS5",
      "timestamp": "2026-09-14T14:20:11Z",
      "version": "v2"
    }
  ],
  "legacy_documents": [
    {
      "document_id": "loan_agreement_01_2026.pdf",
      "version": "v1"
    }
  ],
  "product_config_id": "product_config_xyz123"
}

Changes