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

# Create Individual Application

> This endpoint creates a complete individual card application with full customer details

### Body

<ParamField body="firstName" type="string" required>
  First name of the applicant (max 50 characters)
</ParamField>

<ParamField body="lastName" type="string" required>
  Last name of the applicant (max 50 characters)
</ParamField>

<ParamField body="birthDate" type="string" required>
  Date of birth in YYYY-MM-DD format
</ParamField>

<ParamField body="nationalId" type="string" required>
  National identification number
</ParamField>

<ParamField body="countryOfIssue" type="string" required>
  Two-letter country code where the ID was issued (e.g., "US")
</ParamField>

<ParamField body="email" type="string" required>
  Email address of the applicant
</ParamField>

<ParamField body="phoneCountryCode" type="string" required>
  Phone country code (1-3 characters, e.g., "1" for US)
</ParamField>

<ParamField body="phoneNumber" type="string" required>
  Phone number (1-15 characters)
</ParamField>

<ParamField body="walletAddress" type="string">
  Optional blockchain wallet address
</ParamField>

<ParamField body="ipAddress" type="string" required>
  IP address of the applicant
</ParamField>

<ParamField body="occupation" type="string" required>
  Occupation of the applicant
</ParamField>

<ParamField body="annualSalary" type="number" required>
  Annual salary amount
</ParamField>

<ParamField body="accountPurpose" type="string" required>
  Purpose for opening the account
</ParamField>

<ParamField body="expectedMonthlyVolume" type="number" required>
  Expected monthly transaction volume
</ParamField>

<ParamField body="isTermsOfServiceAccepted" type="boolean" required>
  Whether the applicant has accepted terms of service
</ParamField>

<ParamField body="hasExistingDocuments" type="boolean">
  Whether the applicant has existing documents on file
</ParamField>

<ParamField body="address" type="object" required>
  Physical address of the applicant

  <Expandable title="Address object">
    <ParamField body="line1" type="string" required>
      Address line 1 (max 100 characters)
    </ParamField>

    <ParamField body="line2" type="string">
      Address line 2 (max 100 characters)
    </ParamField>

    <ParamField body="city" type="string" required>
      City (max 50 characters)
    </ParamField>

    <ParamField body="region" type="string" required>
      State or region (max 50 characters)
    </ParamField>

    <ParamField body="postalCode" type="string" required>
      Postal code (1-9 characters)
    </ParamField>

    <ParamField body="countryCode" type="string" required>
      Two-letter country code (e.g., "US")
    </ParamField>

    <ParamField body="country" type="string">
      Country name (max 50 characters)
    </ParamField>
  </Expandable>
</ParamField>

### Response

<ResponseField name="success" type="boolean">
  Indicates whether the call was successful
</ResponseField>

<ResponseField name="userId" type="string">
  The unique user identifier for the created application
</ResponseField>

<ResponseField name="status" type="string">
  Application status: `pending`, `approved`, `rejected`, or `requires_documents`
</ResponseField>

<RequestExample>
  ```bash cURL theme={null}
  curl --location --request POST 'https://stablecoin-api.sandbox.getmeru.com/api/v1/cards-program/applications/individual' \
  --header 'Content-Type: application/json' \
  --header 'api-key: <api-key>' \
  --data-raw '{
      "firstName": "John",
      "lastName": "Doe",
      "birthDate": "1990-01-15",
      "nationalId": "123456789",
      "countryOfIssue": "US",
      "email": "john.doe@example.com",
      "phoneCountryCode": "1",
      "phoneNumber": "5551234567",
      "walletAddress": "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
      "ipAddress": "192.168.1.1",
      "occupation": "Software Engineer",
      "annualSalary": 100000,
      "accountPurpose": "Personal expenses and investments",
      "expectedMonthlyVolume": 5000,
      "isTermsOfServiceAccepted": true,
      "address": {
          "line1": "123 Main St",
          "line2": "Apt 4B",
          "city": "New York",
          "region": "NY",
          "postalCode": "10001",
          "countryCode": "US",
          "country": "United States"
      }
  }'
  ```

  ```js Javascript theme={null}
  const response = await fetch('https://stablecoin-api.sandbox.getmeru.com/api/v1/cards-program/applications/individual', {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
      'api-key': '<api-key>'
    },
    body: JSON.stringify({
      firstName: "John",
      lastName: "Doe",
      birthDate: "1990-01-15",
      nationalId: "123456789",
      countryOfIssue: "US",
      email: "john.doe@example.com",
      phoneCountryCode: "1",
      phoneNumber: "5551234567",
      walletAddress: "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
      ipAddress: "192.168.1.1",
      occupation: "Software Engineer",
      annualSalary: 100000,
      accountPurpose: "Personal expenses and investments",
      expectedMonthlyVolume: 5000,
      isTermsOfServiceAccepted: true,
      address: {
        line1: "123 Main St",
        line2: "Apt 4B",
        city: "New York",
        region: "NY",
        postalCode: "10001",
        countryCode: "US",
        country: "United States"
      }
    })
  });

  const data = await response.json();
  ```
</RequestExample>

<ResponseExample>
  ```json 200 theme={null}
  {
    "success": true,
    "userId": "3ddd0e5b-6276-4b48-b756-c1fcc9a2efd1",
    "status": "pending"
  }
  ```
</ResponseExample>

### Error Responses

<ResponseExample>
  ```json 401 theme={null}
  {
    "success": false,
    "error": "Unauthorized. Please check your authentication credentials."
  }
  ```

  ```json 400 theme={null}
  {
    "success": false,
    "error": "Invalid application data. Please check all required fields."
  }
  ```
</ResponseExample>