> ## Documentation Index
> Fetch the complete documentation index at: https://usenaive.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Create Cardholder

> Create a virtual card cardholder for the company

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.

### Request Body

| Parameter           | Type   | Required | Description                                                           |
| ------------------- | ------ | -------- | --------------------------------------------------------------------- |
| `firstName`         | string | Yes      | Cardholder's first name                                               |
| `lastName`          | string | Yes      | Cardholder's last name                                                |
| `billingLine1`      | string | Yes      | Billing address line 1                                                |
| `billingCity`       | string | Yes      | Billing city                                                          |
| `billingState`      | string | Yes      | Billing state (2-letter code)                                         |
| `billingPostalCode` | string | Yes      | Billing postal/ZIP code                                               |
| `dobDay`            | number | Yes      | Day of birth (1-31)                                                   |
| `dobMonth`          | number | Yes      | Month of birth (1-12)                                                 |
| `dobYear`           | number | Yes      | Year of birth (4 digits)                                              |
| `email`             | string | No       | Cardholder's email address                                            |
| `phone`             | string | No       | Cardholder's phone number                                             |
| `billingCountry`    | string | No       | Billing country (2-letter ISO code, defaults to `US`)                 |
| `type`              | string | No       | Cardholder type: `individual` or `company` (defaults to `individual`) |

<RequestExample>
  ```bash theme={"theme":"css-variables"}
  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"
    }'
  ```
</RequestExample>

<ResponseExample>
  ```json 200 theme={"theme":"css-variables"}
  {
    "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"
    }
  }
  ```
</ResponseExample>

## CLI

```bash theme={"theme":"css-variables"}
naive cards create-cardholder
```

The CLI will prompt for required fields interactively.

## MCP

Tool: `naive_cards_create_cardholder`

```json theme={"theme":"css-variables"}
{
  "firstName": "John",
  "lastName": "Doe",
  "billingLine1": "123 Main St",
  "billingCity": "San Francisco",
  "billingState": "CA",
  "billingPostalCode": "94105",
  "dobDay": 15,
  "dobMonth": 3,
  "dobYear": 1990
}
```

<Note>
  **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](/docs/api-reference/approvals/overview). See
  [Approvals](/docs/getting-started/approvals).
</Note>