ROOKDocs
Sign In
POST

Add a beneficial owner

ENDPOINT/v1/wallet-entities/{wallet_entity_id}/beneficial-owners

Adds a natural person who owns 25 percent or more of a business wallet entity. Returns 409 when the wallet entity is not BUSINESS. Send Idempotency-Key so retries return the original owner.

Authentication & Headers

HeaderTypeRequirementDescription
AuthorizationstringREQUIREDAPI key passed as an HTTP Bearer token: Bearer rk_live_...
X-Program-IDUUIDPROGRAM-SCOPEDProgram boundary UUID that scopes the issuing card, wallet, or transfer.
Content-TypestringREQUIREDMust be application/json.
Idempotency-KeystringOPTIONALUnique UUID to prevent duplicate execution of financial creations or mutations.

Path Parameters

ParameterTypeRequirementDescription
wallet_entity_idstringREQUIREDUnique identifier of the wallet entity.

Request Body Schema

application/json
first_namestring
REQUIRED

Given name.

last_namestring
REQUIRED

Family name.

date_of_birthstringdate
REQUIRED

Date of birth, `YYYY-MM-DD`.

ssn_last4string
optional

Last four digits of the US Social Security Number.

government_idobject
optional

Government-issued identification. Send `number` on create and update. Reads return `last4` and never the full number.

Properties of government_id
typestringrequired
Kind of identification document.
countrystringrequired
ISO 3166-1 alpha-2 country that issued the document.
numberstring
Full identification number. Write-only; never returned on reads.
last4string
Last four characters of the identification number.
emailstringemail
REQUIRED

Email address.

phonestring
REQUIRED

Phone number in E.164.

addressobject
REQUIRED

Postal address. `country` is an ISO 3166-1 alpha-2 code. For US addresses, `state` is the two-letter subdivision and `postal_code` is the ZIP or ZIP+4.

Properties of address
line_1stringrequired
Street number and name.
line_2stringnull
Apartment, suite, or unit. Null when unused.
citystringrequired
City or locality.
statestringrequired
State, province, or subdivision.
postal_codestringrequired
Postal code.
countrystringrequired
ISO 3166-1 alpha-2 country code.
ownership_percentinteger
REQUIRED

Whole-number percent of the business owned. Minimum 25. `40` is 40%.

titlestring
REQUIRED

Role at the business.

Response Codes & Schemas

201The beneficial owner was added.
application/json
{
  "id": "3c7d2e91-6a4b-4f18-b0c5-8d1e9f2a3756",
  "object": "beneficial_owner",
  "first_name": "Priya",
  "last_name": "Shah",
  "date_of_birth": "1978-11-21",
  "ssn_last4": "4411",
  "email": "priya.shah@northstar.example",
  "phone": "+15125550177",
  "address": {
    "line_1": "88 Rainey St",
    "line_2": null,
    "city": "Austin",
    "state": "TX",
    "postal_code": "78701",
    "country": "US"
  },
  "ownership_percent": 40,
  "title": "Member",
  "wallet_entity_id": "1a4f8c23-9e6d-4b70-a2c8-5d7e1f0b3942",
  "created_at": "2026-08-20T16:42:00Z",
  "updated_at": "2026-08-20T16:42:00Z"
}
400Bad Request: malformed JSON, failed schema validation, or conflicting parameters.
application/json
{
  "error": {
    "type": "invalid_request_error",
    "code": "invalid_request",
    "message": "invalid order by: foo. Valid options are: [created_at updated_at]",
    "param": "order_by",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/invalid_request"
  }
}
401Unauthorized: missing, malformed, or unknown API key.
application/json
{
  "error": {
    "type": "authentication_error",
    "code": "authentication_error",
    "message": "A valid API key is required.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/authentication_error"
  }
}
403Forbidden: the API key is denied by RBAC, or it cannot access this program. A resource that exists on another program or organization returns `404 not_found`, not `403`.
application/json
{
  "error": {
    "type": "permission_error",
    "code": "permission_denied",
    "message": "The API key cannot access this program.",
    "param": "X-Program-ID",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/permission_denied"
  }
}
404Not Found: unknown id, or the resource is not visible to this API key.
application/json
{
  "error": {
    "type": "not_found_error",
    "code": "not_found",
    "message": "No card found for the given id.",
    "param": "card_id",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/not_found"
  }
}
409Conflict: incompatible state, or Idempotency-Key reused with a different body.
application/json
{
  "error": {
    "type": "conflict_error",
    "code": "conflict",
    "message": "The card cannot be reissued from its current state.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/conflict"
  }
}
422Unprocessable Entity: the document is valid JSON but violates a business rule.
application/json
{
  "error": {
    "type": "invalid_request_error",
    "code": "insufficient_funds",
    "message": "The source financial account does not have enough available balance.",
    "param": "amount",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/insufficient_funds"
  }
}
429Too Many Requests: the API key exceeded its rate limit.
application/json
{
  "error": {
    "type": "rate_limit_error",
    "code": "rate_limited",
    "message": "Rate limit exceeded. Retry after the number of seconds in Retry-After.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/rate_limited"
  }
}
500Internal Server Error: unexpected failure. Retry with the same Idempotency-Key.
application/json
{
  "error": {
    "type": "api_error",
    "code": "internal_error",
    "message": "An unexpected error occurred. Retry with the same Idempotency-Key.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/internal_error"
  }
}