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Create your first individual customer account to start managing personal portfolios and trading shares.

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Getting Started

This guide walks you through creating an individual customer account using the Rime API. You’ll make your first successful API call and understand the individual account creation process.
Individual accounts may require personal information depending on compliance settings.

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Prerequisites

Before creating an individual account, ensure you have:
  1. API access credentials - client_id and client_secret from your onboarding
  2. Authentication token - Follow our authentication guide to get your access token

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Individual Account Requirements

Individual accounts have specific field requirements: Required for all individual accounts:
  • Account type (type) - must be individual
  • Your customer identifier (your internal reference for the client as external_id)
Required if KYC/CRS reporting is enabled:
  • First name and last name (first_name, last_name)
  • Date of birth (dob_day, dob_month, dob_year)
  • Place of birth (place_of_birth)
  • Address details (country, city, line1, postal_code, state, line2)
  • Tax residencies (tax_residencies)
  • Tax Identification Number (tin)
Field requirements depend on your compliance settings. Check your distributor dashboard for KYC and CRS requirements.

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Step-by-Step Implementation

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Step 1: Prepare individual account data

Structure your individual account data with the required personal information: 
{
  "type": "individual",
  "external_id": "customer-12345"
}

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Step 2: Create the individual account

Make the API call to create your individual account: 
curl -X POST https://sandbox.api.rime.finance/v1/accounts \
  -H "Authorization: Bearer ${ACCESS_TOKEN}" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "individual",
    "external_id": "customer-12345"
  }'

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Step 3: Handle the response

A successful individual account creation returns a 201 Created status with the account details: 
{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "external_id": "customer-12345",
  "type": "individual",
  "country": null,
  "city": null,
  "line1": null,
  "line2": null,
  "postal_code": null,
  "state": null,
  "first_name": null,
  "last_name": null,
  "dob_day": null,
  "dob_month": null,
  "dob_year": null,
  "place_of_birth": null,
  "tin": null,
  "tax_residencies": null,
  "created": "2024-01-15T10:30:00Z"
}

Account Management

Use the account ID for all future operations like updating personal details, viewing portfolios, or placing personal investment orders.

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Troubleshooting

Cause: Duplicate external_id for the same distributorSolution: Ensure each individual account has a unique external_id
{
  "error": "Constraint violation",
  "details": "Account with external_id 'customer-12345' already exists"
}
Cause: Missing required individual fields or invalid data formatSolution: Check individual account requirements based on your KYC/CRS settings
{
  "error": "Validation error",
  "details": {
    "first_name": [
      "This field is required when KYC is enabled for your distributor"
    ],
    "last_name": [
      "This field is required when KYC is enabled for your distributor"
    ],
    "dob_day": ["Day must be between 1 and 31"],
    "dob_month": ["Month must be between 1 and 12"],
    "dob_year": ["Year must be a valid four-digit year"],
    "tin": [
      "This field is required when CRS reporting is enabled for your distributor"
    ]
  }
}

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Next Steps

After creating an individual account, you can:
  1. Retrieve fund information - Explore available investment options
  2. Get portfolio information - View the individual account’s holdings
  3. Buy shares - Start trading on behalf of the individual account
Looking to create business accounts instead? Check out our business account creation guide.
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