---
title: "Create a user's fiat account"
method: POST
path: "/v1/users/{userId}/fiat/accounts"
tags: ["Fiat"]
---

# Create a user's fiat account

`POST /v1/users/{userId}/fiat/accounts`

## Request

- Base URL: `http://localhost:3200`
- URL: `http://localhost:3200/v1/users/{userId}/fiat/accounts`
- Auth: one of:
  - API key in header `X-Steward-API-Key`
  - HTTP bearer
- TypeScript: <https://skmtc.dev/steward-fi/apis/steward-api/docs/v1/users/:userId/fiat/accounts/post.ts> (a function with typed inputs; its response is checked against the schema)

Fails closed with 501 unless a real banking/onramp provider is configured.

## Headers

- `X-Steward-Request-Timestamp` string
- `X-Steward-Request-Expires-At` string
- `X-Steward-Signature` string
- `X-Steward-Signing-Key-Id` string
- `Idempotency-Key` string

## Request body

- object

## Other responses

- `400`: JSON response
- `401`: JSON response
- `403`: JSON response
- `404`: JSON response
- `408`: JSON response
- `409`: JSON response
- `501`: JSON response

## Changes

- **2026-08-17** `261a7c8070b2`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/steward-fi/apis/steward-api/changes/v1/users/:userId/fiat/accounts/post.md)

---

[API](https://skmtc.dev/steward-fi/apis/steward-api.md) - [All operations](https://skmtc.dev/steward-fi/apis/steward-api/llms.txt) - [OpenAPI document](https://skmtc.dev/steward-fi/apis/steward-api/revisions/b88b4b97a664?raw)