Creating a user

Overview

A User is the identity DriveWealth authenticates, screens, and approves. Every financial Account
maps back to exactly one User, and no Account can be opened until its User exists and clears KYC — so
picking the right userType up front matters.

Which type of User do you need?

Your use case	`userType`	Guide
An adult opening and controlling their own account	`INDIVIDUAL_TRADER`	Individual Trader
Custodial account (UTMA/UGMA) — an adult irrevocably gifts assets to a minor. The minor's SSN is primary; assets are the minor's property, but only the gifter/custodian can act on the account until the minor reaches age of majority, when control transfers. Stocks only.	`CUSTODIAL`	Custodial Account
A person named as the beneficiary of an existing account — inherits the account's assets under specified circumstances. Their User record has to exist before they can be added via the Account Beneficiaries endpoint.	`BENEFICIARY`	Beneficiary

Looking for a Teen? It's not a userType — a Teen account is just a second Account owned by the parent's own INDIVIDUAL_TRADER User. No User is created for the minor, and DriveWealth doesn't distinguish which account is "the teen's" — that logic lives entirely on the your client side. A User for the minor only gets created later, as a normal INDIVIDUAL_TRADER, when they reach age of majority and need an Account of their own for a Minor Graduation Transfer.

Before you start

Every request needs a session token (or bearer token) and your app key, sent as
Authorization: Bearer <jwt> (or dw-auth-token) plus dw-client-app-key on every call. See the
Authorization for the full setup.