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

# 创建储蓄账户

> 设置托管美元储蓄账户

## 先决条件

* L1+ KYC 级别的用户
* 已验证用户邮箱
* 接受条款和条件

## 创建账户

```bash theme={null}
POST /api/v2/savings
```

```json theme={null}
{
  "userId": "user-id",
  "acceptedTermsAndConditions": true
}
```

## 完整示例

```javascript theme={null}
const onboardToSavings = async (userId) => {
  // 检查用户 KYC 级别
  const user = await getUser(userId);
  
  if (user.accessLevel === 'L0') {
    throw new Error('用户必须先完成基本 KYC');
  }
  
  // 创建储蓄账户
  const savings = await fetch('/api/v2/savings', {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${token}`,
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      userId: userId,
      acceptedTermsAndConditions: true
    })
  }).then(r => r.json());
  
  console.log('储蓄账户已创建:', savings.id);
  
  // 获取存款说明
  const achInstructions = await fetch(
    `/api/v2/savings/${savings.id}/deposit-instructions/ACH`,
    {
      headers: {
        'Authorization': `Bearer ${token}`
      }
    }
  ).then(r => r.json());
  
  return {
    savingsAccountId: savings.id,
    depositInstructions: achInstructions
  };
};
```

## 下一步

<CardGroup cols={2}>
  <Card title="为账户充值" icon="money-bill-wave" href="/zh/guides/savings/deposits">
    向储蓄账户存款
  </Card>

  <Card title="提款" icon="hand-holding-dollar" href="/zh/guides/savings/withdrawals">
    从储蓄账户提款
  </Card>
</CardGroup>