# Account Information

## Account Details

### Account Holder
- **business_account_token**: Required. Account token of the enrolled business associated with an enrolled AUTHORIZED_USER individual.
- **email**: Required. Email address.
- **phone_number**: Required. Phone number of the individual.
- **token**: Required. Globally unique identifier for the account holder.

### Currency
- **cardholder_currency**: 3-character alphabetic ISO 4217 code for the currency of the cardholder.

### Spend Limit
- **spend_limit**: Required. Spend limit information containing the daily, monthly, and lifetime spend limit of the account.
  - **daily**: Required. Daily spend limit (in cents).
  - **lifetime**: Required. Total spend limit over account lifetime (in cents).
  - **monthly**: Required. Monthly spend limit (in cents).

### Account State
- **state**: Required. Account state:
  - `ACTIVE`: Account is able to transact and create new cards.
  - `PAUSED`: Account will not be able to transact or create new cards. Can be set back to `ACTIVE`.
  - `CLOSED`: Account will not be able to transact or create new cards. Closed accounts cannot transition to `ACTIVE` or `PAUSED`.

### Substatus
- **substatus**: String or null. Account state substatus values:
  - `FRAUD_IDENTIFIED`: Recognized as created or used with stolen or fabricated identity information.
  - `SUSPICIOUS_ACTIVITY`: Exhibited suspicious behavior necessitating further investigation.
  - `RISK_VIOLATION`: Involved in deliberate misuse by the legitimate account holder.
  - `END_USER_REQUEST`: Requested closure of the account for personal reasons.
  - `ISSUER_REQUEST`: Closure initiated by the issuer for various reasons.
  - `NOT_ACTIVE`: No transactions or payment activity within a specified period.
  - `INTERNAL_REVIEW`: Temporarily paused pending review.
  - `OTHER`: Reason does not fall into any category, requires a comment.

### Comment
- **comment**: Additional context or information related to the account.

### Created Date
- **created**: Required. Timestamp of when the account was created.

## Request Example
```json
{
  "account_holder": {
    "business_account_token": "e87db14a-4abf-4901-adad-5d5c9f46aff2",
    "email": "jack@lithic.com",
    "phone_number": "+15555555555",
    "token": "95e5f1b7-cfd5-4520-aa3c-2451bab8608d"
  },
  "cardholder_currency": "USD",
  "spend_limit": {
    "daily": 10000,
    "lifetime": 100000,
    "monthly": 40000
  },
  "state": "ACTIVE",
  "substatus": "FRAUD_IDENTIFIED",
  "comment": "string",
  "token": "b68b7424-aa69-4cbc-a946-30d90181b621",
  "created": "2026-07-18T03:11:32.070Z"
}
```

## Error Codes
- **400**: A parameter in the query given in the request does not match the valid queries for the endpoint.
- **401**: User has not been authenticated or the API key is invalid or not active.
- **404**: The specified resource was not found.
- **422**: Unprocessable entity.
- **429**: Exceeded the number of allowed requests in a given time period.