---
title: "Create an Organization"
method: POST
path: "/api/organizations"
tags: ["Organizations"]
---

# Create an Organization

`POST /api/organizations`

## Request body

- union
  - IndividualOrgRequest
    - `email` string, required — The primary email address of the individual
    - `firstName` string, required — The first name of the individual
    - `lastName` string, required — The last name of the individual
    - `tosRelianceInfo` TOSRelianceInfo
      - `signedAgreementId` string, required — Unique identifier for the signed agreement in your system
      - `signedAt` string, required — Date when the agreement was signed (ISO 8601 format)
    - `type` 'individual', required
  - BusinessOrgRequest
    - `businessName` string, required — The name of the business
    - `email` string, required — The primary email address of the business
    - `tosRelianceInfo` TOSRelianceInfo
      - `signedAgreementId` string, required — Unique identifier for the signed agreement in your system
      - `signedAt` string, required — Date when the agreement was signed (ISO 8601 format)
    - `type` 'business', required
  - IndividualEndUserCustodialOrgRequest
    - `email` string, required — The primary email address of the individual
    - `firstName` string, required — The first name of the individual
    - `lastName` string, required — The last name of the individual
    - `tosRelianceInfo` TOSRelianceInfo
      - `signedAgreementId` string, required — Unique identifier for the signed agreement in your system
      - `signedAt` string, required — Date when the agreement was signed (ISO 8601 format)
    - `type` 'endUserCustodialIndividual', required
  - BusinessEndUserCustodialOrgRequest
    - `approvers` NewThirdPartyUser[], required — The approvers of this organization
      - `email` string, required — Email address of the approver
      - `name` string, required — The name of the approver
    - `businessName` string, required — The name of the business
    - `email` string, required — The primary email address of the business
    - `tosRelianceInfo` TOSRelianceInfo
      - `signedAgreementId` string, required — Unique identifier for the signed agreement in your system
      - `signedAt` string, required — Date when the agreement was signed (ISO 8601 format)
    - `type` 'endUserCustodialBusiness', required

## Response `200`

Newly created Organization.

- union
  - IndividualOrganization
    - `complianceInfo` OrganizationComplianceInfo, required
      - `tiers` OrganizationComplianceTierInfo[], required — Active compliance reviews for this organization, one entry per tier. Empty if no compliance review exists.
        - `type` 'LIGHT' | 'STANDARD' | 'US_STANDARD' | 'FULL', required — The KYC tier this review is for.
    - `createdAt` string, date-time, required
    - `currencyCapabilities` MuralCurrencyCapability[], required — The currencies that the individual organization can use to fund a Mural account or pay out from a Mural account
      - `currencyCode` 'USD' | 'COP' | 'ARS' | 'EUR' | 'MXN' | 'BRL' | 'CLP' | 'PEN' | 'BOB' | 'CRC' | 'ZAR', required
      - `depositStatus` union, required — Indicates whether or not this organization supports funding mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
      - `fiatAndRailCode` 'usd' | 'cop' | 'cop-bre-b' | 'cop-cobre-balance' | 'ars' | 'eur' | 'mxn' | 'brl' | 'clp' | 'pen' | 'bob' | 'crc' | 'zar' | 'usd-peru' | 'usd-china' | 'usd-panama' | 'usd-hong-kong', required — The currency and if applicable, rail code.
      - `payOutStatus` union, required — Indicates whether or not this organization supports sending or withdrawing from mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
    - `firstName` string, required — The first name of the individual
    - `id` string, uuid, required
    - `kycStatus` union, required — The KYC verification status of the individual
      - VerificationStatusInactive — Indicates the KYC verification has not been started
        - `type` 'inactive', required
      - VerificationStatusPending — Indicates the KYC verification is in progress
        - `type` 'pending', required
      - VerificationStatusApproved — Indicates the KYC verification has been approved
        - `approvedAt` string, date-time, required — Timestamp when the verification was approved
        - `type` 'approved', required
      - VerificationStatusError — Indicates an error occurred during KYC verification
        - `details` string, required — Detailed description of the error that occurred
        - `erroredAt` string, date-time, required — Timestamp when the error occurred
        - `type` 'errored', required
      - VerificationStatusRejected — Indicates the KYC verification was rejected
        - `reason` string, required — Reason why the verification was rejected
        - `rejectedAt` string, date-time, required — Timestamp when the verification was rejected
        - `type` 'rejected', required
    - `lastName` string, required — The last name of the individual
    - `tosStatus` 'NOT_ACCEPTED' | 'NEEDS_REVIEW' | 'ACCEPTED', required — The terms of service status of the individual
    - `type` 'individual', required
    - `updatedAt` string, date-time, required
  - BusinessOrganization
    - `complianceInfo` OrganizationComplianceInfo, required
      - `tiers` OrganizationComplianceTierInfo[], required — Active compliance reviews for this organization, one entry per tier. Empty if no compliance review exists.
        - `type` 'LIGHT' | 'STANDARD' | 'US_STANDARD' | 'FULL', required — The KYC tier this review is for.
    - `createdAt` string, date-time, required
    - `currencyCapabilities` MuralCurrencyCapability[], required — The currencies that the business organization can use to fund a Mural account or pay/withdrawal from a Mural account
      - `currencyCode` 'USD' | 'COP' | 'ARS' | 'EUR' | 'MXN' | 'BRL' | 'CLP' | 'PEN' | 'BOB' | 'CRC' | 'ZAR', required
      - `depositStatus` union, required — Indicates whether or not this organization supports funding mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
      - `fiatAndRailCode` 'usd' | 'cop' | 'cop-bre-b' | 'cop-cobre-balance' | 'ars' | 'eur' | 'mxn' | 'brl' | 'clp' | 'pen' | 'bob' | 'crc' | 'zar' | 'usd-peru' | 'usd-china' | 'usd-panama' | 'usd-hong-kong', required — The currency and if applicable, rail code.
      - `payOutStatus` union, required — Indicates whether or not this organization supports sending or withdrawing from mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
    - `id` string, uuid, required
    - `kycStatus` union, required — The KYC verification status of the business
      - VerificationStatusInactive — Indicates the KYC verification has not been started
        - `type` 'inactive', required
      - VerificationStatusPending — Indicates the KYC verification is in progress
        - `type` 'pending', required
      - VerificationStatusApproved — Indicates the KYC verification has been approved
        - `approvedAt` string, date-time, required — Timestamp when the verification was approved
        - `type` 'approved', required
      - VerificationStatusError — Indicates an error occurred during KYC verification
        - `details` string, required — Detailed description of the error that occurred
        - `erroredAt` string, date-time, required — Timestamp when the error occurred
        - `type` 'errored', required
      - VerificationStatusRejected — Indicates the KYC verification was rejected
        - `reason` string, required — Reason why the verification was rejected
        - `rejectedAt` string, date-time, required — Timestamp when the verification was rejected
        - `type` 'rejected', required
    - `name` string, required
    - `tosStatus` 'NOT_ACCEPTED' | 'NEEDS_REVIEW' | 'ACCEPTED', required — The terms of service status of the business
    - `type` 'business', required
    - `updatedAt` string, date-time, required
  - IndividualEndUserCustodialOrganization
    - `approver` ThirdPartyUser, required
      - `authMethods` string[], required — The authentication methods of the user
      - `createdAt` string, date-time, required
      - `email` string, required — Email address of the user
      - `id` string, uuid, required
      - `name` string, required — The name of the user
    - `complianceInfo` OrganizationComplianceInfo, required
      - `tiers` OrganizationComplianceTierInfo[], required — Active compliance reviews for this organization, one entry per tier. Empty if no compliance review exists.
        - `type` 'LIGHT' | 'STANDARD' | 'US_STANDARD' | 'FULL', required — The KYC tier this review is for.
    - `createdAt` string, date-time, required
    - `currencyCapabilities` MuralCurrencyCapability[], required — The currencies that the individual organization can use to fund a Mural account or pay out from a Mural account
      - `currencyCode` 'USD' | 'COP' | 'ARS' | 'EUR' | 'MXN' | 'BRL' | 'CLP' | 'PEN' | 'BOB' | 'CRC' | 'ZAR', required
      - `depositStatus` union, required — Indicates whether or not this organization supports funding mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
      - `fiatAndRailCode` 'usd' | 'cop' | 'cop-bre-b' | 'cop-cobre-balance' | 'ars' | 'eur' | 'mxn' | 'brl' | 'clp' | 'pen' | 'bob' | 'crc' | 'zar' | 'usd-peru' | 'usd-china' | 'usd-panama' | 'usd-hong-kong', required — The currency and if applicable, rail code.
      - `payOutStatus` union, required — Indicates whether or not this organization supports sending or withdrawing from mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
    - `firstName` string, required — The first name of the individual
    - `id` string, uuid, required
    - `kycStatus` union, required — The KYC verification status of the individual
      - VerificationStatusInactive — Indicates the KYC verification has not been started
        - `type` 'inactive', required
      - VerificationStatusPending — Indicates the KYC verification is in progress
        - `type` 'pending', required
      - VerificationStatusApproved — Indicates the KYC verification has been approved
        - `approvedAt` string, date-time, required — Timestamp when the verification was approved
        - `type` 'approved', required
      - VerificationStatusError — Indicates an error occurred during KYC verification
        - `details` string, required — Detailed description of the error that occurred
        - `erroredAt` string, date-time, required — Timestamp when the error occurred
        - `type` 'errored', required
      - VerificationStatusRejected — Indicates the KYC verification was rejected
        - `reason` string, required — Reason why the verification was rejected
        - `rejectedAt` string, date-time, required — Timestamp when the verification was rejected
        - `type` 'rejected', required
    - `lastName` string, required — The last name of the individual
    - `tosStatus` 'NOT_ACCEPTED' | 'NEEDS_REVIEW' | 'ACCEPTED', required — The terms of service status of the individual
    - `type` 'endUserCustodialIndividual', required
    - `updatedAt` string, date-time, required
  - BusinessEndUserCustodialOrganization
    - `approvers` ThirdPartyUser[], required — The approvers of this organization
      - `authMethods` string[], required — The authentication methods of the user
      - `createdAt` string, date-time, required
      - `email` string, required — Email address of the user
      - `id` string, uuid, required
      - `name` string, required — The name of the user
    - `complianceInfo` OrganizationComplianceInfo, required
      - `tiers` OrganizationComplianceTierInfo[], required — Active compliance reviews for this organization, one entry per tier. Empty if no compliance review exists.
        - `type` 'LIGHT' | 'STANDARD' | 'US_STANDARD' | 'FULL', required — The KYC tier this review is for.
    - `createdAt` string, date-time, required
    - `currencyCapabilities` MuralCurrencyCapability[], required — The currencies that the business organization can use to fund a Mural account or pay/withdrawal from a Mural account
      - `currencyCode` 'USD' | 'COP' | 'ARS' | 'EUR' | 'MXN' | 'BRL' | 'CLP' | 'PEN' | 'BOB' | 'CRC' | 'ZAR', required
      - `depositStatus` union, required — Indicates whether or not this organization supports funding mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
      - `fiatAndRailCode` 'usd' | 'cop' | 'cop-bre-b' | 'cop-cobre-balance' | 'ars' | 'eur' | 'mxn' | 'brl' | 'clp' | 'pen' | 'bob' | 'crc' | 'zar' | 'usd-peru' | 'usd-china' | 'usd-panama' | 'usd-hong-kong', required — The currency and if applicable, rail code.
      - `payOutStatus` union, required — Indicates whether or not this organization supports sending or withdrawing from mural accounts with this currency. Enabled and restricted are terminal statuses.
        - TermsOfService — Indicates a Term of Service acceptance is required as part of the verification process required to use this currency
          - `details` string, required
          - `type` 'termsOfService', required
        - AwaitingKYC — Indicates the required KYC verification is in progress
          - `details` string, required
          - `type` 'awaitingKYC', required
        - Enabled — Indicates the currency is enabled for use with your Mural account
          - `type` 'enabled', required
        - Rejected — Indicates the currency was rejected during the KYC process
          - `details` string, required
          - `reason` 'KYC_FAILED', required
          - `type` 'rejected', required
        - Restricted — Indicates the currency is disabled for use with your Mural account. This is most likely due to a restricted geography
          - `details` string, required
          - `reason` 'CAPABILITY_UNAVAILABLE' | 'PROCESSING_ERROR', required
          - `type` 'disabled', required
    - `id` string, uuid, required
    - `kycStatus` union, required — The KYC verification status of the business
      - VerificationStatusInactive — Indicates the KYC verification has not been started
        - `type` 'inactive', required
      - VerificationStatusPending — Indicates the KYC verification is in progress
        - `type` 'pending', required
      - VerificationStatusApproved — Indicates the KYC verification has been approved
        - `approvedAt` string, date-time, required — Timestamp when the verification was approved
        - `type` 'approved', required
      - VerificationStatusError — Indicates an error occurred during KYC verification
        - `details` string, required — Detailed description of the error that occurred
        - `erroredAt` string, date-time, required — Timestamp when the error occurred
        - `type` 'errored', required
      - VerificationStatusRejected — Indicates the KYC verification was rejected
        - `reason` string, required — Reason why the verification was rejected
        - `rejectedAt` string, date-time, required — Timestamp when the verification was rejected
        - `type` 'rejected', required
    - `name` string, required
    - `tosStatus` 'NOT_ACCEPTED' | 'NEEDS_REVIEW' | 'ACCEPTED', required — The terms of service status of the business
    - `type` 'endUserCustodialBusiness', required
    - `updatedAt` string, date-time, required

## Other responses

- `401` — Unauthorized
- `403` — SignedAgreementRequiredException

---

[API](https://skmtc.net/muralpay/apis/mural-api.md) · [All operations](https://skmtc.net/muralpay/apis/mural-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/muralpay/mural-api/versions/437d277f5948/schema)
