My iPhone require guardian verification for my own Apple Account

Re: My iPhone require guardian verification for my own Apple Account

 You may have tried to download or purchase apps with an age rating of 18+.

See what to do: If you're asked to confirm that you’re an adult - Apple Support

Else: Am noticing your question is to the "Family Sharing" community:

If you are part of a family group that shares purchases, all new purchases may be payable by the family "organiser". of the group. You might want to ask the organiser about removing the necessity for you to gain approval for purchases.

( "Ask to Buy" may be in use for other family members).

Share apps and purchases with Family Sharing on your iPhone or iPad - Apple Support:

Eg: says:

"How Purchase Sharing works 

When the Family Sharing organiser turns on Purchase Sharing and the members enable the feature for their devices, they get access to each other's shared content.

The family organiser pays for everyone’s purchases unless they turn off Purchase Sharing or other adult family members use their own payment method to make purchases.* 

When a family member makes a purchase on their device, the family organiser may need to verify the payment method by entering the CVV. 

The family organiser can also: 

• Update their payment method or add a new one.
• Check purchase history to see purchases made by family members.
• Require that children in the family group request approval for purchases and free downloads.

"*If you’re in a Family Sharing group, your purchases will be charged to your Apple Account balance. If you don’t have enough balance for the purchase, the remainder will be charged to the family organiser if Purchase Sharing is turned on, or you can add your own payment method."

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If needed: You may want to create (or add to) an Apple Account Balance.

If you have one : see how to: Check your Apple Account balance - Apple Support

or

To add to your balance:

See how to: Add money to your Apple Account balance - Apple Support

Eg: says:

"Add funds to your Apple Account balance to buy apps, subscriptions and more.

In some countries and regions, you can set up Auto Reload to automatically add money on a schedule or when your balance gets low." (More info. in linked article above)

Else: You may just want to add a payment method to your own Apple Account:

If so: See: Add a payment method to your Apple Account - Apple Support