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

# submit_user_info

> Submit the user's phone number and terms acceptance for a virtual card.

Connect to `https://mcp.agentcard.sh/mcp` with the **user's connection token** (or a `buy_token` for org-owned accounts).

## What it does

Submit the user's phone number and terms acceptance for a virtual card. Call this after create\_card returns user\_info\_required. Do NOT ask the user for occupation, income, or account purpose — those are never asked. Identity fields (name, date of birth, SSN / national ID, address) belong to the KYC flow: create\_card tells you whether it runs conversationally (start\_kyc → ID photo → face scan) or via a hosted verification\_url. After phone + terms are saved, retry create\_card.

## Inputs

| Field                         | Type    | Description                                                                                                   |
| ----------------------------- | ------- | ------------------------------------------------------------------------------------------------------------- |
| `phone_number` *(required)*   | string  | User's phone number in international E.164 format with a country code (e.g. +1 555 123 4567, +44 7911 123456) |
| `terms_accepted` *(required)* | boolean | Must be true — the user accepted the AgentCard cardholder terms of service                                    |

## Returns

| Field                  | Type   | Description                                                                           |
| ---------------------- | ------ | ------------------------------------------------------------------------------------- |
| `message` *(required)* | string | Human-readable confirmation that the user information was saved.                      |
| `status`               | string | Outcome of the submission: 'saved' when the user information was stored successfully. |

## Example call

```json theme={null}
{
  "tool": "submit_user_info",
  "arguments": {
    "phone_number": "\u2026",
    "terms_accepted": "\u2026"
  }
}
```