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

# Create Wallets

> Create a working wallet to separate operational balances on your KulmiPay account.

Create a working wallet when you want to separate balances for a specific use case, such as payroll, refunds, or supplier payouts.

Settlement wallets are managed by KulmiPay and cannot be created through this endpoint.

## Create a working wallet

```bash theme={null}
curl --request POST \
  --url https://app.kulmipay.com/api/v1/wallets/ \
  --header "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
  --header "Content-Type: application/json" \
  --data '{
    "currency": "KES",
    "wallet_type": "WORKING",
    "label": "Payroll Wallet",
    "can_disburse": true
  }'
```

## Request fields

| Field          | Required | Description                                                                        |
| -------------- | -------- | ---------------------------------------------------------------------------------- |
| `currency`     | Yes      | Wallet currency. One of `KES`, `USD`, `EUR`, `GBP`.                                |
| `wallet_type`  | Yes      | Must be `WORKING`.                                                                 |
| `label`        | Yes      | Wallet label. Must be unique for active wallets in the same business and currency. |
| `can_disburse` | No       | Set to `true` if this wallet can be used for Send Money. Defaults to `false`.      |

## Response

```json theme={null}
{
  "wallet_id": "wlt_def456",
  "label": "Payroll Wallet",
  "can_disburse": true,
  "currency": "KES",
  "wallet_type": "WORKING",
  "current_balance": "0.00",
  "available_balance": "0.00",
  "updated_at": "2026-05-28T10:00:00Z"
}
```

<Warning>
  You cannot create `SETTLEMENT` wallets with this endpoint. KulmiPay creates settlement wallets for supported currencies automatically.
</Warning>