# Creating user identifiers

## Prerequisites

- **Authentication scopes** — `users:admin`
For more information, refer to [Authentication scopes](/products/tol/concepts/api_concepts/authentication/authentication_oauth#list-of-authentication-scopes).
- **Webhook handler ready** — Set up a webhook endpoint to listen for user events.
  - Subscribe to [`USER.*`](/products/tol/guides/users/users_webhooks) events.
For more information, refer to [Implementing webhooks](/products/tol/getting_started/implementing_webhooks).


In order to create regulatory required transaction reports, Upvest must maintain certain identifiers per user. By default, the Investment API supports the onboarding of users for the following nationalities (as a single nationality or, in the case of multiple nationalities, the first nationality if the nationalities array is in alphabetical order):

* AT - Austria
* DE - Germany
* FR - France
* HU - Hungary
* IE - Ireland
* LU - Luxembourg


Any other user nationalities require an additional identifier when investing in most instruments. However, user identification is not required for clients that only offer money market funds and/or mutual funds. Clients that do not expand into other asset classes (e..g., stocks, bonds, etc.) do not need to collect user identifiers.

You can add the relevant identifier, by sending

**POST** [`/users/{user_id}/identifiers`](/api/user-identifiers/create_identifier)

More information on the accepted user identifiers can be found [here](/products/tol/guides/users/users_identifiers).

## Next steps

After successfully creating a user on the Investment API, you can proceed with [opening an account group and an account](/products/tol/guides/accounts/accounts_create_accounts) for the respective user. The accounts will only become active once the user's onboarding has been successfully completed and all regulatory checks have been passed.