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

# Sub-Account

> Create and manage sub-accounts under a business, ahead of provisioning a sub-wallet for each.

## Overview

A **sub-account** represents an individual user that a business creates and manages under its own business account. Once a sub-account exists, the business can provision a [sub-wallet](/guides/stable-sub-wallets) for it using the returned `_id` as the `subAccountId`.

***

## Create Sub-Account

**Endpoint**

```text theme={null}
POST /sub-account
```

**Request Body**

| Field   | Type     | Required | Description                             |
| ------- | -------- | -------- | --------------------------------------- |
| `name`  | `string` | ✓        | Full name of the sub-account holder     |
| `email` | `string` | ✓        | Email address of the sub-account holder |
| `dob`   | `string` | ✓        | Date of birth, in `YYYY-MM-DD` format   |

**Example Request**

```json theme={null}
{
    "name": "John Doe",
    "email": "Johndoe@gmail.com",
    "dob": "1996-03-29"
}
```

**Response**

```json theme={null}
{
    "success": true,
    "message": "Sub-account created successfully!",
    "data": {
        "businessId": "6914b8de530486c362268f77",
        "globalId": "069032f2-7183-48fb-922b-358b6cde284a",
        "name": "John Doe",
        "email": "Johndoe@gmail.com",
        "dob": "1996-03-29T00:00:00.000Z",
        "type": "INDIVIDUAL",
        "_id": "6a60cb655a95c57344604053",
        "createdAt": "2026-07-22T13:53:41.447Z",
        "updatedAt": "2026-07-22T13:53:41.447Z",
        "__v": 0
    }
}
```

<Note>
  Use the `_id` from this response as the `subAccountId` when creating a [sub-wallet](/guides/stable-sub-wallets#create-sub-wallet) for this sub-account.
</Note>

***

## Get All Sub-Accounts

**Endpoint**

```text theme={null}
GET /sub-accounts
```

Returns a paginated list of all sub-accounts created by the authenticated business.

**Query Parameters**

| Parameter | Type     | Required | Description                                               |
| --------- | -------- | -------- | --------------------------------------------------------- |
| `page`    | `number` | —        | Page number. Minimum `1`. Defaults to `1`                 |
| `limit`   | `number` | —        | Results per page. Between `1` and `100`. Defaults to `20` |

**Response**

```json theme={null}
{
    "success": true,
    "message": "Sub-accounts fetched successfully!",
    "data": {
        "subAccounts": [
            {
                "_id": "6a5f6323acae291f105475db",
                "businessId": "690b476f530486c362268753",
                "globalId": "60891a16-2907-46f5-be99-4c06ab57a62f",
                "name": "John Doe",
                "email": "Johndoe@gmail.com",
                "dob": "1996-03-29T00:00:00.000Z",
                "type": "INDIVIDUAL",
                "createdAt": "2026-07-21T12:16:35.220Z",
                "updatedAt": "2026-07-21T12:16:35.220Z",
                "__v": 0
            }
        ],
        "pagination": {
            "total": 1,
            "page": 1,
            "limit": 5,
            "pages": 1
        }
    }
}
```

***

## Get Single Sub-Account

**Endpoint**

```text theme={null}
GET /sub-account/:subAccountId
```

Fetches a single sub-account by its ID. The sub-account must belong to the authenticated business.

**Path Parameters**

| Parameter      | Type     | Required | Description                                                    |
| -------------- | -------- | -------- | -------------------------------------------------------------- |
| `subAccountId` | `string` | ✓        | ID of the sub-account (the `_id` returned when it was created) |

**Response**

```json theme={null}
{
    "success": true,
    "message": "Sub-account fetched successfully!",
    "data": {
        "_id": "6a5f6323acae291f105475db",
        "businessId": "690b476f530486c362268753",
        "globalId": "60891a16-2907-46f5-be99-4c06ab57a62f",
        "name": "John Doe",
        "email": "Johndoe@gmail.com",
        "dob": "1996-03-29T00:00:00.000Z",
        "type": "INDIVIDUAL",
        "createdAt": "2026-07-21T12:16:35.220Z",
        "updatedAt": "2026-07-21T12:16:35.220Z",
        "__v": 0
    }
}
```