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

# Create Wallet

> Provision a new virtual NUBAN and create a ledger wallet.

## Request Headers

<ParamField header="x-api-key" type="string" required>
  Your live or test API key.
</ParamField>

## Request Body

<ParamField body="customer_reference" type="string" required>
  A unique identifier for the user in your system (e.g. `user_987`).
</ParamField>

<ParamField body="first_name" type="string" required>
  The first name of the end-user (required for banking KYC).
</ParamField>

<ParamField body="last_name" type="string" required>
  The last name of the end-user (required for banking KYC).
</ParamField>

<ParamField body="email" type="string" required>
  The email address of the end-user (required for banking KYC).
</ParamField>

<ParamField body="label" type="string">
  A human-readable label for the wallet (e.g. `John Doe — School Fees`).
</ParamField>

<ParamField body="currency" type="string" default="NGN">
  The currency code. Currently only `NGN` is supported.
</ParamField>

<ParamField body="system_prompt" type="string">
  Natural-language instruction that guides Avenue's AI during intent parsing.
</ParamField>

<ParamField body="allow_transfers_out" type="boolean" default="true">
  If false, this wallet will be unable to send outbound payouts.
</ParamField>

<ParamField body="sub_account_id" type="string">
  Optional sub-account ID to link this wallet to a specific Nomba sub-account.
</ParamField>

## Response

<Note>
  All amounts and balances in this endpoint are represented in **kobo** (e.g., `500000` = ₦5,000.00). Ensure you do not send or expect Naira values.
</Note>

<ResponseExample>
  ```json theme={null}
  {
    "success": true,
    "data": {
      "id": "e4b3e8e2-b1c4-48e0-a75d-35e982d6b2c2",
      "customer_reference": "user_987",
      "first_name": "John",
      "last_name": "Doe",
      "email": "john.doe@example.com",
      "label": "John Doe — School Fees",
      "account_number": "2211334455",
      "bank_name": "Nomba MFB",
      "account_name": "PropTech Inc / John Doe",
      "balance": 0,
      "currency": "NGN",
      "status": "ACTIVE",
      "system_prompt": "This wallet collects school fees...",
      "allow_transfers_out": true,
      "sub_account_id": null,
      "created_at": "2026-07-01T11:00:00Z"
    }
  }
  ```
</ResponseExample>