> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bluumfinance.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Create an Investor
> Open a self-directed investor with POST /v1/investors.
Create an investor for your end user. This one call collects identity, contact, tax, regulatory disclosures, and signed agreements. The body is flat — all fields sit at the top level.
Make sure your shell is set up from the [overview](/get-started/journey/overview).
## Create the investor
```bash cURL theme={null}
curl -X POST "$BASE_URL/investors" \
-H "Authorization: Basic $AUTH" \
-H "Content-Type: application/json" \
-d '{
"account_type": "individual",
"management_type": "self_directed",
"first_name": "Jane",
"last_name": "Doe",
"date_of_birth": "1990-05-15",
"tax_id": "987-65-4321",
"tax_id_type": "SSN",
"tax_id_country": "US",
"country_of_citizenship": "US",
"country_of_birth": "US",
"country_of_tax_residence": "US",
"funding_source": ["employment_income"],
"annual_income": { "min": "100000", "max": "150000" },
"liquid_net_worth": { "min": "50000", "max": "100000" },
"email": "jane.doe@example.com",
"phone": "+14155551234",
"employment_status": "employed",
"address": {
"street": ["456 Oak Avenue"],
"city": "San Francisco",
"state": "CA",
"postal_code": "94102",
"country": "US"
},
"is_control_person": false,
"is_affiliated_exchange_or_finra": false,
"is_politically_exposed": false,
"immediate_family_exposed": false,
"signed_agreements": [
{ "type": "investor_agreement", "signed_at": "2026-07-01T10:30:00Z", "ip_address": "203.0.113.42" },
{ "type": "margin_disclosure_acknowledged", "signed_at": "2026-07-01T10:30:00Z", "ip_address": "203.0.113.42" }
]
}'
```
```javascript Node.js theme={null}
const auth = Buffer.from(`${API_KEY}:${API_SECRET}`).toString("base64");
const res = await fetch(`${BASE_URL}/investors`, {
method: "POST",
headers: {
Authorization: `Basic ${auth}`,
"Content-Type": "application/json",
},
body: JSON.stringify({
account_type: "individual",
management_type: "self_directed",
first_name: "Jane",
last_name: "Doe",
date_of_birth: "1990-05-15",
tax_id: "987-65-4321",
tax_id_type: "SSN",
tax_id_country: "US",
country_of_citizenship: "US",
country_of_birth: "US",
country_of_tax_residence: "US",
funding_source: ["employment_income"],
annual_income: { min: "100000", max: "150000" },
liquid_net_worth: { min: "50000", max: "100000" },
email: "jane.doe@example.com",
phone: "+14155551234",
employment_status: "employed",
address: {
street: ["456 Oak Avenue"],
city: "San Francisco",
state: "CA",
postal_code: "94102",
country: "US",
},
is_control_person: false,
is_affiliated_exchange_or_finra: false,
is_politically_exposed: false,
immediate_family_exposed: false,
signed_agreements: [
{ type: "investor_agreement", signed_at: "2026-07-01T10:30:00Z", ip_address: "203.0.113.42" },
{ type: "margin_disclosure_acknowledged", signed_at: "2026-07-01T10:30:00Z", ip_address: "203.0.113.42" },
],
}),
});
const investor = await res.json();
console.log(investor.id); // inv_...
```
```python Python theme={null}
import base64, requests
auth = base64.b64encode(f"{API_KEY}:{API_SECRET}".encode()).decode()
res = requests.post(
f"{BASE_URL}/investors",
headers={"Authorization": f"Basic {auth}", "Content-Type": "application/json"},
json={
"account_type": "individual",
"management_type": "self_directed",
"first_name": "Jane",
"last_name": "Doe",
"date_of_birth": "1990-05-15",
"tax_id": "987-65-4321",
"tax_id_type": "SSN",
"tax_id_country": "US",
"country_of_citizenship": "US",
"country_of_birth": "US",
"country_of_tax_residence": "US",
"funding_source": ["employment_income"],
"annual_income": {"min": "100000", "max": "150000"},
"liquid_net_worth": {"min": "50000", "max": "100000"},
"email": "jane.doe@example.com",
"phone": "+14155551234",
"employment_status": "employed",
"address": {
"street": ["456 Oak Avenue"],
"city": "San Francisco",
"state": "CA",
"postal_code": "94102",
"country": "US",
},
"is_control_person": False,
"is_affiliated_exchange_or_finra": False,
"is_politically_exposed": False,
"immediate_family_exposed": False,
"signed_agreements": [
{"type": "investor_agreement", "signed_at": "2026-07-01T10:30:00Z", "ip_address": "203.0.113.42"},
{"type": "margin_disclosure_acknowledged", "signed_at": "2026-07-01T10:30:00Z", "ip_address": "203.0.113.42"},
],
},
)
investor = res.json()
investor_id = investor["id"] # inv_...
```
## Response
```json theme={null}
{
"id": "inv_01j9x8m2k7qpzwv3t5r6y8n0ab",
"object": "investor",
"account_type": "individual",
"management_type": "self_directed",
"first_name": "Jane",
"last_name": "Doe",
"email": "jane.doe@example.com",
"status": "onboarding",
"created": 1751365800
}
```
Store the `id`. Every subsequent call on this path uses it:
```bash theme={null}
INVESTOR_ID="inv_01j9x8m2k7qpzwv3t5r6y8n0ab"
```
## Signed agreements
`signed_agreements` is required and must contain at least the two US agreements:
| Type | When required |
| -------------------------------- | --------------------------------------------------- |
| `investor_agreement` | Always. Do not send it twice. |
| `margin_disclosure_acknowledged` | Always. |
| `w8ben_certification` | Add it when `country_of_tax_residence` is not `US`. |
Each entry carries `type`, `signed_at` (ISO 8601), and the end user's `ip_address` at the time they accepted.
US tax residents must include `state` and `postal_code` in `address`. Set `tax_id_type` to the code that matches the ID: `SSN`, `ITIN`, `EIN`, `SIN`, `NINO`, `TFN`, `VAT`, `TIN`, or `OTHER`.
If `is_control_person` or `is_affiliated_exchange_or_finra` is `true`, include the `affiliated_company` object with `name`, `address`, and `compliance_email`. `ticker` is also required for control persons.
For investor types, lifecycle states, and the full field reference, see [Investors](/concepts/investors) and the [API reference](/api-reference).
Next → [Verify identity](/get-started/journey/verify-identity).