diff --git a/src/rfc8620.rs b/src/rfc8620.rs
index daad6f6..f59a017 100644
--- a/src/rfc8620.rs
+++ b/src/rfc8620.rs
@@ -260,13 +260,13 @@ impl Account {
         name: String,
         is_personal: bool,
         is_read_only: bool,
-        account_capabilities: HashMap<String, Value>,
+        capabilities: Option<HashMap<String, Value>>,
     ) -> Self {
         Self {
             name,
             is_personal,
             is_read_only,
-            account_capabilities,
+            account_capabilities: capabilities.unwrap_or_default(),
             extra_properties: HashMap::default(),
         }
     }