# Create user wallet

Creates or returns wallet for given externalId within company scope.

Endpoint: POST /user-wallets
Version: 1.0.0
Security: apiKeyAuth

## Request fields (application/json):

  - `externalId` (string, required)
    User ID in merchant system

## Response 201 fields (application/json):

  - `id` (string, required)

  - `companyId` (string, required)

  - `externalId` (string, required)

  - `address` (string, required)

  - `isBlocked` (boolean, required)

  - `blockReason` (string,null)

  - `lastUsdtBalance` (number, required)

  - `lastTrxBalance` (number, required)

  - `createdAt` (string, required)

## Response 401 fields (application/json):

  - `statusCode` (integer)
    Example: 400

  - `message` (any)

  - `error` (string)
    Example: "Bad Request"