Creating Moov accounts

Onboard your users by creating a Moov account for each of them.

Moov.js makes it easy to capture the information from each of your users to create a Moov account and link their bank accounts.

Collecting information

The following example creates a new Moov account and requests three capabilities for that account.

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moov.accounts.create({
  "accountType": "business",
  "foreignID": "your-optional-user-id",
  "profile": {
    "business": {
      "legalBusinessName": "Whole Body Fitness LLC",
      "businessType": "llc",
    }
  }
}).then((data) => {
  if (data) {
    moov.accounts.capabilities.request(data.accountID, [
      "transfers", 
      "wallet", 
      "send-funds"
    ]);
  }
});

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const fetch = require("node-fetch");
const response = await fetch(
  "http://api.moov.io/accounts", {
  method: "POST",
  headers: {
      "Authorization": `Bearer ${token}`,
      "Content-Type": "application/json"
  },
  body: {
    "accountType": "business",
    "foreignID": "your-optional-user-id",
    "profile": {
      "business": {
        "legalBusinessName": "Whole Body Fitness LLC",
        "businessType": "llc",
      }
    }
  }
});
const data = await response.json();
if (data) {
  moov.accounts.capabilities.request(data.accountID, [
    "transfers", 
    "wallet", 
    "send-funds"
  ]);
}

tip

Some capabilities require your users to accept Moov’s terms of service. Check out Capabilities for the detailed requirements.

Foreign ID

You can add a foreignID or alias to a Moov account to easily track the one-to-one relationship between your users and Moov accounts. If you set the foreign ID, it must be unique.

You can find use the foreignID query parameter on the List accounts endpoint to find a Moov account.

Metadata

Metadata is a free-form key-value pair list that you can add to a Moov account. This may be useful for capturing information such as the type of account or segment the Moov account belongs to.

Form shortening

Moov makes it easier for your customers to fill in their details by offering form shortening. Start by collecting an email address and passing it through profile enrichment.

For an individual, publicly available details like their name and portions of their address may be returned. For businesses, the legal business name, website, email, phone, and industry codes may be returned. Use this data to autofill forms and ask your users to confirm it for accuracy.

Terms of service

If the account requested a capability that requires acceptance of the Moov terms of service, the account holder must agree to Moov’s terms of service. In your application, you must display a link to the Moov terms of service, and have them accept those terms.

tip

Learn more about implementing terms of service acceptance via Moov.js, our browser client that collects PII data so you don’t have to be responsible for handling and storing sensitive customer information.

Next steps

Depending on the capabilities requested for the Moov account you just set up, you may need to provide additional information about the account in order for Moov to start the automatic verification process.

For more information, read our Identity verification guide.