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

# Create a User Bank Income Insights Report

> Creates a bank income insights report for a specified user

## Overview

This endpoint creates a bank income insights report for the user as part of the Bank Integration verification method, enabling analysis of income patterns derived from bank account data.

## Authentication

This endpoint requires API credentials:

* **ClientID** (Header)
* **AccessKey** (Header)

## Path Parameters

<ParamField path="user_id" type="string" required>
  Unique identifier for the user.
</ParamField>

## Response

The endpoint returns a success response (HTTP 201) upon successful report creation.

### Error Responses

| Status Code | Error Code              | Description                                   |
| ----------- | ----------------------- | --------------------------------------------- |
| **400**     | `incorrect_parameters`  | Invalid or missing request parameters         |
| **401**     | `authentication_failed` | Authentication credentials invalid or missing |
| **403**     | `not_authenticated`     | Insufficient permissions                      |

<Note>
  Users must be authenticated and provisioned before creating reports. The report creation is asynchronous; check the report status separately for completion details.
</Note>