What problem does it solve? Opening end-user brokerage accounts programmatically requires navigating KYC/CIP verification, identity disclosures, legal agreements, document uploads, and a multi-stage account status lifecycle, and mistakes in any of these block funding and trading downstream. ## Core Features & Use Cases - Account Creation & Management: Covers the full /v1/accounts endpoint surface including create, list, get, update, and close, with the required contact, identity, disclosures, and agreements objects. - KYC & Document Handling: Explains document upload types, the W-8BEN structured JSON shortcut where Alpaca renders the official form, and submitting CIP results from providers like Onfido or Trulioo. - Status Lifecycle Gating: Maps the AccountStatus enum from SUBMITTED through ACTIVE and teaches gating all funding, journaling, and trading on the ACTIVE state. - Use Case: A developer building a fintech app uses this to onboard a non-US user: normalize the country code to ISO 3166-1 alpha-3, submit the account with a structured W-8BEN, then subscribe to status events before enabling deposits. ## Quick Start Use the alpaca-broker-account-onboarding skill to create a new brokerage account for a user with contact, identity, disclosures, and agreements, then tell me how to track it until it becomes ACTIVE.
