> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useagentbank.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create end user

> Create a merchant-scoped end user from a complete KYC record and inline artifacts.

```text theme={null}
POST /v1/partner/end-users
```

**Authentication:** signed Partner API request. See [Authentication](../../authentication).

## Request body

`kyc` must be a complete `partner_end_user_kyc_v1` record. AgentBank generates
`end_user_id`; do not send one.

```json theme={null}
{
  "kyc": {
    "schema_version": "partner_end_user_kyc_v1",
    "attestation": {
      "collected_at": "2026-08-19T08:00:00Z",
      "verified_at": "2026-08-19T08:02:00Z"
    },
    "person": {
      "first_name": "Example",
      "last_name": "Person",
      "date_of_birth": "1990-01-02",
      "gender": "female",
      "nationality": "VN",
      "country_of_residence": "VN",
      "occupation": "employed"
    },
    "contact": {"email":"example@example.test","phone_e164":"+84912345678"},
    "residential_address": {"line1":"1 Example Street"},
    "identity_document": {
      "type":"national_id",
      "number":"TEST-DOCUMENT-ONLY",
      "issuing_country":"VN",
      "issued_on":"2021-01-01",
      "expires_on":"2031-01-01"
    },
    "artifacts": {
      "document_front":{"content_type":"image/jpeg","sha256":"<sha256>","data_base64":"<base64>"},
      "document_back_not_applicable":true,
      "selfie_with_document":{"content_type":"image/jpeg","sha256":"<sha256>","data_base64":"<base64>"},
      "kyc_report_pdf":{"content_type":"application/pdf","sha256":"<sha256>","data_base64":"<base64>"}
    }
  }
}
```

See [End-user KYC](../../end-user-kyc) for the complete field and artifact
contract. Artifact hashes are lowercase SHA-256 hex of the decoded bytes.

## Response

```json theme={null}
{
  "end_user_id": "peu_6fa6b3ee9bfe43db8700b04e8c91cc0b",
  "status": "provider_processing",
  "kyc_version": "1",
  "kyc_summary": {
    "schema_version": "partner_end_user_kyc_v1",
    "nationality": "VN",
    "country_of_residence": "VN",
    "identity_document_type": "national_id"
  },
  "rail_readiness": [],
  "updated_at": "1787000000000"
}
```

Persist `end_user_id`, then poll [Get end user](./get-end-user). Raw KYC,
document numbers, and artifact bytes are never returned.