diff --git a/crates/api_clients/artcraft/artcraft_api_defs/src/moderation/wallets/mod.rs b/crates/api_clients/artcraft/artcraft_api_defs/src/moderation/wallets/mod.rs
index 80b7c4b7f9..23e8bc033e 100644
--- a/crates/api_clients/artcraft/artcraft_api_defs/src/moderation/wallets/mod.rs
+++ b/crates/api_clients/artcraft/artcraft_api_defs/src/moderation/wallets/mod.rs
@@ -1,3 +1,4 @@
 pub mod list_user_wallets;
 pub mod moderator_add_banked_balance_to_wallet;
+pub mod moderator_create_wallet_for_user;
 pub mod moderator_get_wallet;
diff --git a/crates/api_clients/artcraft/artcraft_api_defs/src/moderation/wallets/moderator_create_wallet_for_user.rs b/crates/api_clients/artcraft/artcraft_api_defs/src/moderation/wallets/moderator_create_wallet_for_user.rs
new file mode 100644
index 0000000000..6661ae5828
--- /dev/null
+++ b/crates/api_clients/artcraft/artcraft_api_defs/src/moderation/wallets/moderator_create_wallet_for_user.rs
@@ -0,0 +1,19 @@
+use enums::common::payments_namespace::PaymentsNamespace;
+use serde_derive::{Deserialize, Serialize};
+use tokens::tokens::users::UserToken;
+use tokens::tokens::wallets::WalletToken;
+use utoipa::ToSchema;
+
+pub const MODERATOR_CREATE_WALLET_FOR_USER_PATH: &str = "/v1/moderation/wallet/create_for_user";
+
+#[derive(Deserialize, ToSchema)]
+pub struct ModeratorCreateWalletForUserRequest {
+  pub user_token: Option<UserToken>,
+  pub payments_namespace: Option<PaymentsNamespace>,
+}
+
+#[derive(Serialize, ToSchema)]
+pub struct ModeratorCreateWalletForUserResponse {
+  pub success: bool,
+  pub wallet_token: WalletToken,
+}
diff --git a/crates/schema/database/mysql_queries/src/queries/users/user/get/get_username_by_user_token.rs b/crates/schema/database/mysql_queries/src/queries/users/user/get/get_username_by_user_token.rs
new file mode 100644
index 0000000000..1ae28c2fba
--- /dev/null
+++ b/crates/schema/database/mysql_queries/src/queries/users/user/get/get_username_by_user_token.rs
@@ -0,0 +1,46 @@
+use anyhow::anyhow;
+use log::warn;
+use sqlx::MySqlPool;
+
+use tokens::tokens::users::UserToken;
+
+pub struct UsernameDetails {
+  pub username: String,
+  pub display_name: String,
+  pub username_is_generated: bool,
+  pub username_is_not_customized: bool,
+}
+
+pub async fn get_username_by_user_token(
+  user_token: &UserToken,
+  pool: &MySqlPool,
+) -> Result<Option<UsernameDetails>, anyhow::Error> {
+  let result = sqlx::query_as!(
+    UsernameDetails,
+    r#"
+SELECT
+  username,
+  display_name,
+  username_is_generated as `username_is_generated: bool`,
+  username_is_not_customized as `username_is_not_customized: bool`
+FROM users
+WHERE
+  token = ?
+  AND user_deleted_at IS NULL
+  AND mod_deleted_at IS NULL
+LIMIT 1
+    "#,
+    user_token.as_str(),
+  )
+    .fetch_one(pool)
+    .await;
+
+  match result {
+    Ok(record) => Ok(Some(record)),
+    Err(sqlx::Error::RowNotFound) => Ok(None),
+    Err(err) => {
+      warn!("get_username_by_user_token query error: {:?}", err);
+      Err(anyhow!("query error"))
+    }
+  }
+}
diff --git a/crates/schema/database/mysql_queries/src/queries/users/user/get/mod.rs b/crates/schema/database/mysql_queries/src/queries/users/user/get/mod.rs
index 9f0444e3f5..3a4483807b 100644
--- a/crates/schema/database/mysql_queries/src/queries/users/user/get/mod.rs
+++ b/crates/schema/database/mysql_queries/src/queries/users/user/get/mod.rs
@@ -1,4 +1,5 @@
 pub mod get_user_token_by_username;
+pub mod get_username_by_user_token;
 pub mod lookup_user_for_login_by_email;
 pub mod lookup_user_for_login_by_email_with_transactor;
 pub mod lookup_user_for_login_by_username;
diff --git a/crates/schema/database/mysql_queries/src/queries/wallets/create_new_wallet_for_owner_user.rs b/crates/schema/database/mysql_queries/src/queries/wallets/create_new_wallet_for_owner_user.rs
new file mode 100644
index 0000000000..a57609d880
--- /dev/null
+++ b/crates/schema/database/mysql_queries/src/queries/wallets/create_new_wallet_for_owner_user.rs
@@ -0,0 +1,42 @@
+use crate::queries::wallet_ledger_entries::internal_insert_wallet_created_ledger_entry::internal_insert_wallet_created_ledger_entry;
+use enums::common::payments_namespace::PaymentsNamespace;
+use log::error;
+use sqlx::MySql;
+use tokens::tokens::users::UserToken;
+use tokens::tokens::wallets::WalletToken;
+
+pub async fn create_new_wallet_for_owner_user(
+  user_token: &UserToken,
+  namespace: PaymentsNamespace,
+  transaction: &mut sqlx::Transaction<'_, MySql>,
+) -> Result<WalletToken, sqlx::Error> {
+  let token = WalletToken::generate();
+
+  let result = sqlx::query!(
+        r#"
+INSERT INTO wallets
+SET
+  token = ?,
+  wallet_namespace = ?,
+
+  owner_user_token = ?,
+
+  banked_credits = 0,
+  monthly_credits = 0
+        "#,
+        token.as_str(),
+        namespace.to_str(),
+        user_token.as_str()
+    )
+      .execute(&mut **transaction)
+      .await;
+
+  if let Err(err) = result {
+    error!("Error while inserting wallet: {}", err);
+    return Err(err);
+  }
+
+  internal_insert_wallet_created_ledger_entry(&token, transaction).await?;
+
+  Ok(token)
+}
diff --git a/crates/schema/database/mysql_queries/src/queries/wallets/mod.rs b/crates/schema/database/mysql_queries/src/queries/wallets/mod.rs
index cd840c66f7..e3d2483bc1 100644
--- a/crates/schema/database/mysql_queries/src/queries/wallets/mod.rs
+++ b/crates/schema/database/mysql_queries/src/queries/wallets/mod.rs
@@ -1,6 +1,7 @@
 pub (crate) mod internal_select_wallet_balance_for_update;
 pub mod add_durable_banked_balance_to_wallet;
 pub mod create_new_artcraft_wallet_for_owner_user;
+pub mod create_new_wallet_for_owner_user;
 pub mod find_primary_wallet_for_owner;
 pub mod find_primary_wallet_token_for_owner;
 pub mod refill_monthly_credits_balance_on_wallet;
diff --git a/crates/service/web/storyteller_web/src/http_server/endpoints/moderation/wallets/mod.rs b/crates/service/web/storyteller_web/src/http_server/endpoints/moderation/wallets/mod.rs
index a3e0a56870..a632ac57ea 100644
--- a/crates/service/web/storyteller_web/src/http_server/endpoints/moderation/wallets/mod.rs
+++ b/crates/service/web/storyteller_web/src/http_server/endpoints/moderation/wallets/mod.rs
@@ -1,3 +1,4 @@
 pub mod list_user_wallets_handler;
 pub mod moderator_add_banked_balance_to_wallet_handler;
+pub mod moderator_create_wallet_for_user_handler;
 pub mod moderator_get_wallet_handler;
diff --git a/crates/service/web/storyteller_web/src/http_server/endpoints/moderation/wallets/moderator_create_wallet_for_user_handler.rs b/crates/service/web/storyteller_web/src/http_server/endpoints/moderation/wallets/moderator_create_wallet_for_user_handler.rs
new file mode 100644
index 0000000000..a4d6339a0f
--- /dev/null
+++ b/crates/service/web/storyteller_web/src/http_server/endpoints/moderation/wallets/moderator_create_wallet_for_user_handler.rs
@@ -0,0 +1,116 @@
+use std::sync::Arc;
+
+use actix_web::web::Json;
+use actix_web::{web, HttpRequest};
+use enums::common::payments_namespace::PaymentsNamespace;
+use log::{error, warn};
+use sqlx::Acquire;
+
+use artcraft_api_defs::moderation::wallets::moderator_create_wallet_for_user::{
+  ModeratorCreateWalletForUserRequest,
+  ModeratorCreateWalletForUserResponse,
+};
+use mysql_queries::queries::users::user::get::get_username_by_user_token::get_username_by_user_token;
+use mysql_queries::queries::wallets::create_new_wallet_for_owner_user::create_new_wallet_for_owner_user;
+use mysql_queries::queries::wallets::find_primary_wallet_token_for_owner::find_primary_wallet_token_for_owner_using_connection;
+
+use crate::http_server::common_responses::common_web_error::CommonWebError;
+use crate::http_server::web_utils::user_session::require_moderator::{require_moderator, UseDatabase};
+use crate::state::server_state::ServerState;
+
+/// Create a wallet for a user (moderation)
+#[utoipa::path(
+  post,
+  tag = "Moderation",
+  path = "/v1/moderation/wallet/create_for_user",
+  request_body = ModeratorCreateWalletForUserRequest,
+  responses(
+    (status = 200, description = "Success", body = ModeratorCreateWalletForUserResponse),
+    (status = 400, description = "Bad request"),
+    (status = 401, description = "Unauthorized"),
+    (status = 500, description = "Server error"),
+  ),
+)]
+pub async fn moderator_create_wallet_for_user_handler(
+  http_request: HttpRequest,
+  request: Json<ModeratorCreateWalletForUserRequest>,
+  server_state: web::Data<Arc<ServerState>>,
+) -> Result<Json<ModeratorCreateWalletForUserResponse>, CommonWebError> {
+
+  let _user_session = require_moderator(&http_request, &server_state, UseDatabase::GrabNewConnection)
+    .await
+    .map_err(|_| CommonWebError::NotAuthorized)?;
+
+  let user_token = request.user_token.as_ref()
+    .ok_or_else(|| CommonWebError::BadInputWithSimpleMessage("user_token is required".to_string()))?;
+
+  // Verify user exists
+  let maybe_user = get_username_by_user_token(user_token, &server_state.mysql_pool)
+    .await
+    .map_err(|err| {
+      warn!("moderator_create_wallet_for_user user lookup error: {:?}", err);
+      CommonWebError::ServerError
+    })?;
+
+  if maybe_user.is_none() {
+    return Err(CommonWebError::BadInputWithSimpleMessage("User not found".to_string()));
+  }
+
+  let namespace = request.payments_namespace.unwrap_or(PaymentsNamespace::Artcraft);
+
+  // Check for existing wallet
+  let mut mysql_connection = server_state.mysql_pool
+    .acquire()
+    .await
+    .map_err(|err| {
+      error!("Error acquiring MySQL connection: {:?}", err);
+      CommonWebError::ServerError
+    })?;
+
+  let maybe_wallet_token = find_primary_wallet_token_for_owner_using_connection(
+    user_token,
+    namespace,
+    &mut mysql_connection,
+  ).await.map_err(|err| {
+    error!("Error finding wallet for user {:?}: {:?}", user_token, err);
+    CommonWebError::ServerError
+  })?;
+
+  if let Some(wallet_token) = maybe_wallet_token {
+    return Ok(Json(ModeratorCreateWalletForUserResponse {
+      success: true,
+      wallet_token,
+    }));
+  }
+
+  // Create new wallet
+  let mut transaction = mysql_connection
+    .begin()
+    .await
+    .map_err(|err| {
+      error!("Error starting MySQL transaction: {:?}", err);
+      CommonWebError::ServerError
+    })?;
+
+  let wallet_token = create_new_wallet_for_owner_user(
+    user_token,
+    namespace,
+    &mut transaction,
+  ).await.map_err(|err| {
+    error!("Error creating wallet for user {:?}: {:?}", user_token, err);
+    CommonWebError::ServerError
+  })?;
+
+  transaction
+    .commit()
+    .await
+    .map_err(|err| {
+      error!("Error committing MySQL transaction: {:?}", err);
+      CommonWebError::ServerError
+    })?;
+
+  Ok(Json(ModeratorCreateWalletForUserResponse {
+    success: true,
+    wallet_token,
+  }))
+}
diff --git a/crates/service/web/storyteller_web/src/http_server/routes/application_routes/moderation_routes.rs b/crates/service/web/storyteller_web/src/http_server/routes/application_routes/moderation_routes.rs
index 545b92eff0..1275aafeda 100644
--- a/crates/service/web/storyteller_web/src/http_server/routes/application_routes/moderation_routes.rs
+++ b/crates/service/web/storyteller_web/src/http_server/routes/application_routes/moderation_routes.rs
@@ -24,6 +24,7 @@ use crate::http_server::endpoints::moderation::wallet_ledger_entries::list_walle
 use crate::http_server::endpoints::moderation::wallet_ledger_entries::moderator_get_wallet_ledger_entry_handler::moderator_get_wallet_ledger_entry_handler;
 use crate::http_server::endpoints::moderation::wallets::list_user_wallets_handler::list_user_wallets_handler;
 use crate::http_server::endpoints::moderation::wallets::moderator_add_banked_balance_to_wallet_handler::moderator_add_banked_balance_to_wallet_handler;
+use crate::http_server::endpoints::moderation::wallets::moderator_create_wallet_for_user_handler::moderator_create_wallet_for_user_handler;
 use crate::http_server::endpoints::moderation::wallets::moderator_get_wallet_handler::moderator_get_wallet_handler;
 use crate::http_server::endpoints::moderation::jobs::get_tts_inference_queue_count::get_tts_inference_queue_count_handler;
 use crate::http_server::endpoints::moderation::jobs::get_w2l_inference_queue_count::get_w2l_inference_queue_count_handler;
@@ -66,6 +67,10 @@ pub fn add_moderator_routes<T, B> (app: App<T>) -> App<T>
                 .route(web::head().to(|| HttpResponse::Ok()))
             )
         )
+        .service(web::resource("/wallet/create_for_user")
+            .route(web::post().to(moderator_create_wallet_for_user_handler))
+            .route(web::head().to(|| HttpResponse::Ok()))
+        )
         .service(web::resource("/wallet/{wallet_token}")
             .route(web::get().to(moderator_get_wallet_handler))
             .route(web::head().to(|| HttpResponse::Ok()))