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

# CARDHOLDER_CREATED

> Fired when a new cardholder profile is created. KYC verification starts automatically.

Fires immediately after a new cardholder is created via `POST /cardholders`. KYC verification is triggered automatically — subscribe to `CARDHOLDER_KYC_APPROVED` or `CARDHOLDER_KYC_REJECTED` to be notified when verification completes.

## Event Type

```
CARDHOLDER_CREATED
```

## Payload

```json theme={null}
{
  "event":       "CARDHOLDER_CREATED",
  "eventId":     "evt_01HXY123456ABCDEF",
  "businessId":  "BUS1A2B3C4D5E6F",
  "environment": "LIVE",
  "timestamp":   "2026-05-22T10:00:00Z",
  "data": {
    "cardholderId": "chl_01HXYZ1234ABCDEF5678",
    "firstName":    "Jane",
    "lastName":     "Doe",
    "email":        "jane.doe@example.com",
    "status":       "ACTIVE",
    "kycStatus":    "PENDING",
    "externalId":   "my-user-id-789"
  }
}
```

## Payload Fields

| Field          | Type           | Description                                                                              |
| -------------- | -------------- | ---------------------------------------------------------------------------------------- |
| `cardholderId` | string         | The newly created cardholder ID                                                          |
| `firstName`    | string         | Cardholder first name                                                                    |
| `lastName`     | string         | Cardholder last name                                                                     |
| `email`        | string         | Cardholder email address                                                                 |
| `status`       | string         | Always `ACTIVE` at creation                                                              |
| `kycStatus`    | string         | `PENDING` if KYC is required; `WAIVED` if the program skips KYC for this cardholder type |
| `externalId`   | string or null | Your internal user ID, if provided                                                       |

For the full event group documentation see [Cardholder Events](/v3.20/webhooks/events/cardholder-events).

<RequestExample>
  ```json Webhook Payload theme={null}
  {
    "event":       "CARDHOLDER_CREATED",
    "eventId":     "evt_01HXY123456ABCDEF",
    "businessId":  "BUS1A2B3C4D5E6F",
    "environment": "LIVE",
    "timestamp":   "2026-05-22T10:00:00Z",
    "data": {
      "cardholderId": "chl_01HXYZ1234ABCDEF5678",
      "firstName":    "Jane",
      "lastName":     "Doe",
      "email":        "jane.doe@example.com",
      "status":       "ACTIVE",
      "kycStatus":    "PENDING",
      "externalId":   "my-user-id-789"
    }
  }
  ```
</RequestExample>

<ResponseExample>
  ```json 200 theme={null}
  {}
  ```
</ResponseExample>


## OpenAPI

````yaml v3.20/openapi.json webhook CARDHOLDER_CREATED
openapi: 3.1.0
info:
  title: FYATU CaaS API v3.20
  description: >-
    FYATU Cards-as-a-Service API — API key authentication, Cardholder
    lifecycle, Card issuance, Transactions, Webhooks, and Programs.
  version: 3.20.0
  contact:
    name: FYATU Support
    url: https://fyatu.com
    email: support@fyatu.com
servers:
  - url: https://api.fyatu.com/api/v3.20
    description: >-
      FYATU CaaS API — the environment (LIVE or SANDBOX) is determined by the
      API key, not the URL
security:
  - BearerAuth: []
tags:
  - name: Meta
    description: Liveness, account info, and supported event types
  - name: Account
    description: Account-level balance and funding status
  - name: Programs
    description: Read card program configuration
  - name: Cardholders
    description: Create and manage cardholder profiles
  - name: Cards
    description: Issue, fund, freeze, and terminate virtual cards
  - name: Transactions
    description: Read-only card transaction history
  - name: Webhooks
    description: Manage webhook endpoints for real-time event delivery
  - name: Products
    description: Read card product configurations
paths: {}
components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: >-
        API key from the FYATU CaaS portal. Pass as `Authorization: Bearer
        <key>`.

````