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This guide covers the full account onboarding flow — collecting user information, submitting the account, and handling edge cases.

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Overview

Account creation requires four data groups:
  1. Contact — Email, phone, mailing address
  2. Identity — Legal name, date of birth, tax ID, citizenship
  3. Disclosures — Regulatory disclosures (control person, political exposure, etc.)
  4. Agreements — Account and customer agreements with timestamps and IP address

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Collecting data in your UI

You don’t need to collect all data on a single screen. A common pattern: 
Screen 1: Name, email, phone
Screen 2: Address
Screen 3: Date of birth, SSN, citizenship, funding source
Screen 4: Disclosures (yes/no checkboxes)
Screen 5: Agreement review and signature
Submit the account once all data is collected.

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Creating the account

curl -X POST "$BASE_URL/accounts" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "account_type": "trading",
    "contact": {
      "email_address": "user@example.com",
      "phone_number": "+14155551234",
      "street_address": ["456 Oak Avenue"],
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94102",
      "country": "US"
    },
    "identity": {
      "first_name": "Jane",
      "last_name": "Doe",
      "date_of_birth": "1990-05-15",
      "tax_id": "987-65-4321",
      "tax_id_type": "SSN",
      "country_of_citizenship": "US",
      "country_of_birth": "US",
      "country_of_tax_residence": "US",
      "funding_source": ["employment_income"]
    },
    "disclosures": {
      "is_control_person": false,
      "is_affiliated_exchange_or_finra": false,
      "is_politically_exposed": false,
      "immediate_family_exposed": false
    },
    "agreements": [
      {
        "agreement": "account_agreement",
        "agreed": true,
        "signed_at": "2025-06-15T10:30:00Z",
        "ip_address": "203.0.113.42"
      },
      {
        "agreement": "customer_agreement",
        "agreed": true,
        "signed_at": "2025-06-15T10:30:00Z",
        "ip_address": "203.0.113.42"
      }
    ]
  }'

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Handling validation errors

Common validation errors and how to handle them:
ErrorCauseFix
BLUM-400-002 Missing fieldRequired field omittedCheck your request against the Accounts schema
BLUM-400-003 Invalid formatWrong data formatPhone: E.164 (+1...), dates: YYYY-MM-DD, country: ISO alpha-2
BLUM-409-001 DuplicateAccount with same email existsCheck for existing account before creating

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After account creation

Once the account is ACTIVE:
  1. Upload KYC documents — See KYC Verification
  2. Link a bank account — See Bank Linking
  3. Fund the account — See Deposits & Withdrawals

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Choosing account type

If you’re building…Use account_type
Trading app, invest tab, stock giftingtrading
Robo-advisor, financial planner, managed portfoliosindividual
See Accounts for full details on account types and lifecycle.