diff --git a/crud.py b/crud.py
index de77106..6837d5c 100644
--- a/crud.py
+++ b/crud.py
@@ -979,7 +979,36 @@ async def create_or_update_user_equity_status(
 ) -> "UserEquityStatus":
     """Create or update user equity eligibility status"""
     from datetime import datetime
-    from .models import UserEquityStatus
+    from .models import UserEquityStatus, AccountType
+    import uuid
+
+    # Auto-create user-specific equity account if granting eligibility
+    if data.is_equity_eligible:
+        # Generate equity account name: Equity:User-{user_id}
+        equity_account_name = f"Equity:User-{data.user_id[:8]}"
+
+        # Check if the equity account already exists
+        equity_account = await get_account_by_name(equity_account_name)
+
+        if not equity_account:
+            # Create the user-specific equity account
+            await db.execute(
+                """
+                INSERT INTO accounts (id, name, account_type, description, user_id, created_at)
+                VALUES (:id, :name, :type, :description, :user_id, :created_at)
+                """,
+                {
+                    "id": str(uuid.uuid4()),
+                    "name": equity_account_name,
+                    "type": AccountType.EQUITY.value,
+                    "description": f"Equity contributions for user {data.user_id[:8]}",
+                    "user_id": data.user_id,
+                    "created_at": datetime.now(),
+                },
+            )
+
+        # Auto-populate equity_account_name in the data
+        data.equity_account_name = equity_account_name
 
     # Check if user already has equity status
     existing = await get_user_equity_status(data.user_id)