Create user

This endpoint should be called for each of your end users before they begin a Plaid Check or Income flow, or a Multi-Item Link flow. This provides you a single token to access all data associated with the user. You should only create one per end user.

The consumer_report_user_identity object must be present in order to create a Plaid Check Consumer Report for a user. If it is not provided during the /user/create call, it can be added later by calling /user/update. Plaid Check Consumer Reports can only be created for US-based users; the user's address country must be US.

If you call the endpoint multiple times with the same client_user_id, the first creation call will succeed and the rest will fail with an error message indicating that the user has been created for the given client_user_id.

Ensure that you store the user_token along with your user's identifier in your database, as it is not possible to retrieve a previously created user_token.