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POST
/
v1
/
cards
/
cardholder
curl -X POST https://api.usenaive.ai/v1/cards/cardholder \
  -H "Authorization: Bearer nv_sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "firstName": "John",
    "lastName": "Doe",
    "billingLine1": "123 Main St",
    "billingCity": "San Francisco",
    "billingState": "CA",
    "billingPostalCode": "94105",
    "dobDay": 15,
    "dobMonth": 3,
    "dobYear": 1990,
    "email": "john@acme.com",
    "phone": "+14155551234"
  }'

{
  "cardholder": {
    "id": "ich_1abc123",
    "firstName": "John",
    "lastName": "Doe",
    "email": "john@acme.com",
    "phone": "+14155551234",
    "billingLine1": "123 Main St",
    "billingCity": "San Francisco",
    "billingState": "CA",
    "billingPostalCode": "94105",
    "billingCountry": "US",
    "type": "individual",
    "status": "active",
    "created_at": "2026-01-20T08:30:00Z"
  }
}
Creates a new cardholder profile for your company. A cardholder is required only for managed virtual cards (provider: "managed_virtual", Stripe Issuing). The default prepaid gift cards (prepaid_gift) do not need one.

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Request Body

ParameterTypeRequiredDescription
firstNamestringYesCardholder’s first name
lastNamestringYesCardholder’s last name
billingLine1stringYesBilling address line 1
billingCitystringYesBilling city
billingStatestringYesBilling state (2-letter code)
billingPostalCodestringYesBilling postal/ZIP code
dobDaynumberYesDay of birth (1-31)
dobMonthnumberYesMonth of birth (1-12)
dobYearnumberYesYear of birth (4 digits)
emailstringNoCardholder’s email address
phonestringNoCardholder’s phone number
billingCountrystringNoBilling country (2-letter ISO code, defaults to US)
typestringNoCardholder type: individual or company (defaults to individual)
curl -X POST https://api.usenaive.ai/v1/cards/cardholder \
  -H "Authorization: Bearer nv_sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "firstName": "John",
    "lastName": "Doe",
    "billingLine1": "123 Main St",
    "billingCity": "San Francisco",
    "billingState": "CA",
    "billingPostalCode": "94105",
    "dobDay": 15,
    "dobMonth": 3,
    "dobYear": 1990,
    "email": "john@acme.com",
    "phone": "+14155551234"
  }'

{
  "cardholder": {
    "id": "ich_1abc123",
    "firstName": "John",
    "lastName": "Doe",
    "email": "john@acme.com",
    "phone": "+14155551234",
    "billingLine1": "123 Main St",
    "billingCity": "San Francisco",
    "billingState": "CA",
    "billingPostalCode": "94105",
    "billingCountry": "US",
    "type": "individual",
    "status": "active",
    "created_at": "2026-01-20T08:30:00Z"
  }
}

​
CLI

naive cards create-cardholder
The CLI will prompt for required fields interactively.

​
MCP

Tool: naive_cards_create_cardholder 
{
  "firstName": "John",
  "lastName": "Doe",
  "billingLine1": "123 Main St",
  "billingCity": "San Francisco",
  "billingState": "CA",
  "billingPostalCode": "94105",
  "dobDay": 15,
  "dobMonth": 3,
  "dobYear": 1990
}
May require approval. If the user’s Account Kit gates cards, an agent (API-key) call (cards.cardholder.create) returns 202 { "status": "pending_approval", "approval_id" }. A human approves it via Approvals. See Approvals.