Account Holder

Create an individual or business account holder

Changed on Oct 20, 2026

Create an account holder and initiate the appropriate onboarding workflow. Account holders and accounts have a 1:1 relationship. When an account holder is successfully created an associated account is also created. All calls to this endpoint will return a synchronous response. The response time will depend on the workflow. In some cases, the response may indicate the workflow is under review or further action will be needed to complete the account creation process. This endpoint can only be used on accounts that are part of the program that the calling API key manages.

post/v1/account_holders

Request

Base URL
https://sandbox.lithic.com
URL
https://sandbox.lithic.com/v1/account_holders
Auth
API key in header Authorization

Request body

Example request

{
  "beneficial_owner_individuals": [
    {
      "address": {
        "address1": "123 Old Forest Way",
        "city": "Omaha",
        "country": "USA",
        "postal_code": "68022",
        "state": "NE"
      },
      "dob": "1991-03-08 08:00:00",
      "email": "tom@middle-earth.com",
      "first_name": "Tom",
      "government_id": "111-23-1412",
      "last_name": "Bombadil",
      "phone_number": "+15555555555"
    }
  ],
  "business_entity": {
    "address": {
      "address1": "123 Old Forest Way",
      "city": "Omaha",
      "country": "USA",
      "postal_code": "68022",
      "state": "NE"
    },
    "government_id": "114-123-1513",
    "legal_business_name": "Acme, Inc.",
    "phone_numbers": [
      "+15555555555"
    ]
  },
  "control_person": {
    "address": {
      "address1": "123 Old Forest Way",
      "city": "Omaha",
      "country": "USA",
      "postal_code": "68022",
      "state": "NE"
    },
    "dob": "1991-03-08 08:00:00",
    "email": "tom@middle-earth.com",
    "first_name": "Tom",
    "government_id": "111-23-1412",
    "last_name": "Bombadil",
    "phone_number": "+15555555555"
  },
  "kyb_passed_timestamp": "2022-03-08 08:00:00",
  "naics_code": "541512",
  "nature_of_business": "Software company selling solutions to the restaurant industry",
  "tos_timestamp": "2022-03-08 08:00:00",
  "website_url": "www.mybusiness.com"
}

Response

account_tokenstring uuid required

Globally unique identifier for the account.

createdstring date-time

Timestamp of when the account holder was created.

external_idstring

Customer-provided token that indicates a relationship with an object outside of the Lithic ecosystem.

status'ACCEPTED' | 'PENDING_REVIEW' | 'PENDING_DOCUMENT' | 'PENDING_RESUBMIT' | 'REJECTED' required

KYC and KYB evaluation states.

Note:

PENDING_REVIEW is only applicable for the KYB_BASIC workflow.

status_reasonsStatusReasons[] required

Reason for the evaluation status.

tokenstring uuid required

Globally unique identifier for the account holder.

Changes

Oct 20, 20269798275dc379 Revision changes
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Operation history