# Create client account

Source: https://business-api-docs.youhodler.com/docs/api/reference/client-accounts/client-accounts-create

## Request

**Request URL — POST**
```http
POST /client-accounts
```

**Request Body — application/json**
```json
{
  "display_name": "Operating Account EUR",
  "scope_ref": "clients/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b"
}
```

## Responses

**201 Resource created successfully**

Resource created successfully.

```json
{
  "created_at": "2026-05-01T10:00:00Z",
  "display_name": "Operating Account",
  "etag": "W/\"a1b2c3d4\"",
  "id": "b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
  "resource": "client_account",
  "scope_ref": "clients/b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
  "status": "active",
  "updated_at": "2026-05-01T10:00:00Z"
}
```

**400 Invalid request payload**

Invalid request payload, query, or parameter shape.

```json
{
  "code": "invalid_request",
  "details": {
    "reason": "missing_required_field"
  },
  "message": "Request is invalid."
}
```

**401 Caller is not authenticated or the bearer token is invalid**

Caller is not authenticated or the bearer token is invalid.

```json
{
  "code": "unauthorized",
  "message": "Authentication required."
}
```

**403 Caller lacks the required capability or permitted scope**

Caller lacks the required capability or permitted scope.

```json
{
  "code": "forbidden_capability_scope",
  "details": {
    "reason": "missing_capability"
  },
  "message": "Forbidden: capability scope not covered."
}
```

**409 State conflict — the request cannot be applied to the current resource state**

State conflict — the request cannot be applied to the current resource state.

```json
{
  "code": "idempotency_conflict",
  "details": {
    "reason": "key_payload_mismatch"
  },
  "message": "Idempotency key conflict."
}
```

**422 Operation is not admissible — it violates a business rule**

Operation is not admissible — it violates a business rule, policy constraint, or lifecycle precondition specific to this resource.

```json
{
  "code": "not_admissible",
  "details": {
    "reason": "not_applicable"
  },
  "message": "Request is not admissible."
}
```

**429 Request rate limit exceeded**

Request rate limit exceeded. Retry after the delay indicated in the `details.retry_after_ms` field.

```json
{
  "code": "rate_limited",
  "details": {
    "retry_after_ms": 5000
  },
  "message": "Too many requests."
}
```

**502 Upstream service returned an unexpected error**

Upstream service returned an unexpected error.

```json
{
  "code": "upstream_error",
  "message": "An upstream service returned an unexpected error."
}
```

**503 Service is temporarily unavailable**

Service is temporarily unavailable; retry with backoff.

```json
{
  "code": "temporarily_unavailable",
  "details": {
    "reason": "downstream_rbac_unavailable"
  },
  "message": "Service is temporarily unavailable."
}
```

**Related endpoints:**

- `GET` [Get client account](/docs/api/reference/client-accounts/client-accounts-get) — Read the created account
- `GET` [Get client](/docs/api/reference/clients/clients-get) — Verify the owning client
- `GET` [List deposit instructions](/docs/api/reference/deposit-instructions/deposit-instructions-list) — View deposit instructions for the account