> ## Documentation Index > Fetch the complete documentation index at: https://docs.dakota.xyz/llms.txt > Use this file to discover all available pages before exploring further. # Submit requested information for a cardholder's application > Answer the open request items on a cardholder's enrollment application, the ones listed under `requested_information` on `GET /cardholders/{cardholder_id}/application` and announced by the `cardholder.information_requested` webhook. Send one response per item you are answering; items you omit stay open. For `field` and `question` items, `value` carries the answer. For `document` items, send the `request_id` alone: the response returns an upload target for it, a short-lived URL to PUT the file to together with the accepted content types. The file itself never travels through this endpoint. On success every answered item moves from `missing` to `on_file`, and the reviewer moves the application on; the client is told through `cardholder.updated`. The endpoint is only valid while the application is in `request_for_information`. Defined ahead of the review pipeline: the contract is final, but until the pipeline that records answers exists, a well-formed submission for a cardholder the caller owns answers `501`. **Sandbox only.** This endpoint is available in sandbox only while we finish development. It is not available in production yet, and its request and response shapes may change before release. ## OpenAPI ````yaml /openapi.yaml post /cardholders/{cardholder_id}/application/information openapi: 3.0.3 info: title: Dakota Platform API version: 1.0.0 description: >- Combined API specification for Dakota Platform services: - Issuance API: Asset minting and burning operations - Onboarding API: Know Your Business/Customer verification - On/Off Ramp API: Managing on-ramp and off-ramp accounts - Recipients API: Managing destinations for KYB'd entities - Transactions API: Viewing transaction history across platform operations ## Authentication and API Headers All API endpoints require the following headers: - `X-Idempotency-Key`: Required for all POST endpoints to ensure request idempotency - `x-api-key`: Required for authentication across all endpoints Note: On /applications endpoints you need a token for authentication instead of a x-api-key - `x-application-token`: Required for authentication on public /applications endpoints (alternative to `x-api-key` where documented) ## Rate Limits Requests are rate limited per API key. Every response includes the following headers: | Header | Description | | --- | --- | | `X-RateLimit-Limit` | Maximum requests allowed in the current one-minute window. | | `X-RateLimit-Remaining` | Requests remaining in the current window. | | `X-RateLimit-Reset` | Absolute Unix timestamp (seconds since epoch) when the current rate-limit window resets. | When a request is throttled (`429`), responses also include `Retry-After` with seconds to wait before retrying. servers: - url: https://api.platform.dakota.xyz description: Production environment - url: https://api.platform.sandbox.dakota.xyz description: Sandbox — safe for testing with simulated data security: - ApiKeyAuth: [] tags: - name: Agentic Payments x-beta: true description: >- Beta — agent-driven payments: provision agents, draft and approve spending mandates, accept reviewed instructions, and manage scheduled payments. **Prerequisites:** Customer onboarded; signer groups attached for recognition. **Related:** Wallets, Signer Groups, Transactions - name: Mandates x-beta: true description: >- Beta — spending mandates: signed, signer-bound authorizations governing what may be spent, approved or cancelled by a second recognized signer (§8 — the dual-control rule that every mandate mutation must be signed by a recognized signer OTHER than the bound one). Independent of agents and scheduled payments. **Prerequisites:** Signer groups attached for recognition. **Related:** Signer Groups, Transactions - name: Insights x-beta: true description: >- Beta — read-only insight: a deterministic report over a customer's agentic activity (funding balances, upcoming obligations, failures, mandate headroom and expiry), or — via `GET /insights` — over the whole client's book, with portfolio KPIs, daily series and a per-customer roll-up. Never moves money, never creates or changes anything. **Prerequisites:** Customer onboarded; insight is computed from the customer's scheduled payments, mandates, and wallets. **Related:** Agentic Payments, Mandates - name: Customers description: >- Manage customer entities representing businesses and organizations onboarded to Dakota. **Prerequisites:** Complete KYB via Onboarding endpoints before initiating money movement. **Related:** Onboarding, Recipients, Transactions, Accounts, Wallets - name: Wallets description: >- Manage wallets, balances, and wallet-to-signer-group relationships for custody and movement controls. **Prerequisites:** Customer must exist. Configure signer groups before policy-enforced workflows. **Related:** Signer Groups, Policies, Transactions, Customers - name: Transactions description: >- Create, cancel, and retrieve transaction records across account and wallet flows. **Prerequisites:** Accounts or destinations must be configured based on flow type. **Related:** Accounts, Recipients, Policies, Events - name: Recipients description: >- Manage recipient entities and destination rails used by customers for payouts and transfers. **Prerequisites:** Customer must be onboarded and active. **Related:** Customers, Transactions, Accounts, Onboarding - name: Cards description: >- Issue and manage cardholders and cards, and follow card transactions. Every change is also delivered as a webhook event. **Prerequisites:** Customer must be onboarded and the cards capability must be available. **Related:** Customers, Wallets, Events ### Webhook event catalog (v1) Every card-family event a client can subscribe to, in one place: | Event | Fires when | | -- | -- | | `cardholder.created` | A cardholder is created. | | `cardholder.updated` | Any cardholder change, including every review-status transition and deletion (`status: closed`). | | `cardholder.information_requested` | A reviewer asks for more information; the payload lists the open requirements. Not yet emitted; the review pipeline that opens a request for information is still to land. | | `card.created` | A card is created. | | `card.updated` | Any card change: status, spend limit, last4, freeze sources. A close arrives here with `status: closed`. | | `card_transaction.created` | The first event for a transaction, normally an authorization (`status: authorized`) placing a hold. A declined authorization also arrives here, with `status: declined`. | | `card_transaction.updated` | Every later change to the same transaction (see below). | | `wallet.card_enablement.completed` | A wallet's card-settlement enablement became active. | **Card event ordering.** `card.created` and `card.updated` carry the card as it stands after the change, including `version` and `freeze_sources` (always an array, empty when nothing holds the card). `version` is strictly increasing per card and matches the `version` on the card resource. Deliveries can arrive out of order, so keep the highest `version` you have applied for each card and drop any event whose `version` is not greater than it. **One transaction stream.** Holds, releases, partial clearings, settlement, returns, disputes and force posts are not separate event types. They are `status` transitions on the transaction, delivered as `card_transaction.updated` with the same payload shape as `card_transaction.created`: | What happened | `status` on the event | | -- | -- | | Transaction known before its first authorization event | `pending` (on `card_transaction.created`) | | Hold placed (authorization) | `authorized` (on `card_transaction.created`, or `card_transaction.updated` after a `pending` start) | | Hold released without clearing (merchant, issuer or network reversal) | `auth_reversed` | | Hold expired unused | `expired` | | Part of the hold settled | `partially_cleared` (with the new `cleared_amount`) | | Fully settled | `cleared` | | Settled with no prior hold | `force_posted` | | Merchant refund | `returned`, on a new card transaction for the refund; the original purchase stays `cleared`. The network returned the money; read `refund_state` for whether it reached the customer's wallet (`pending` then `paid`). `returned` alone is not proof of payout. | | Chargeback opened | `disputed` (reserved; not emitted yet) | | Authorization refused | `declined` (on `card_transaction.created`, or `card_transaction.updated` when the transaction already exists). Moves no money; read `decline_reason` and `decline_code` for why. | `outstanding_amount` is the part of `cleared_amount` that no authorization covered, less any refunds: non-zero after a force post or an over-capture. **Naming.** A dotted segment names a sub-resource of the resource before it, so `wallet.card_enablement.*` is a wallet's card enablement. `card_transaction.*` carries an underscore because the resource is `card_transactions`, a top-level resource, not a sub-resource of a card. It is not a typo, and there is no `card.transaction.*` family, and no separate settlement event: settlement is a `status` on `card_transaction.updated`. - name: Accounts description: >- Manage account resources used for onramp, offramp, and swap operations. **Prerequisites:** Customer must be created and network/asset constraints must be known. **Related:** Customers, Transactions, Auto Transactions, Info - name: Auto Transactions description: >- Manage automated transaction configurations and execution history for account automation workflows. **Prerequisites:** Source account must exist and be configured for automation. **Related:** Accounts, Transactions, Events - name: Onboarding description: >- Manage KYB/KYC onboarding lifecycle, application documents, attestations, and verification steps. **Prerequisites:** Customer context and required entity/application metadata. **Related:** Customers, Exceptions, Recipients, Transactions - name: Policies description: >- Define and manage policy objects and rules used for transaction governance and risk controls. **Prerequisites:** Wallet and signer group resources should be configured for enforcement scenarios. **Related:** Wallets, Signer Groups, Transactions - name: Signer Groups description: >- Manage signer groups and signer assignments for multi-party authorization models. **Prerequisites:** Wallets should exist before linking signer groups. **Related:** Wallets, Policies, Transactions - name: Authentication description: >- Manage API authentication credentials and key lifecycle for platform access. **Prerequisites:** Client organization must be provisioned. **Related:** Users, Info - name: Users description: >- Manage client users, roles, and identity metadata for platform access control. **Prerequisites:** Auth credentials and client context must be established. **Related:** Authentication - name: Webhooks description: >- Manage outbound webhook targets and delivery configuration for event notifications. **Prerequisites:** Subscriber endpoint must be reachable and secured. **Related:** Events, Authentication - name: Payouts description: >- Manage where Dakota sends your accrued developer-fee payouts. **Prerequisites:** Auth credentials and client context must be established. **Related:** Events - name: RD Marketing Fee description: >- Everything behind your RD marketing fee: read what a month came to, declare the wallets you hold outside Dakota so the RD in them counts, and say where the fee should be sent. **Prerequisites:** Client must be in the RD marketing-fee programme. A month is readable once it has closed. **Related:** Wallets, Events - name: Self Serve description: >- Buy and track prepaid credits, and read the tiers and pricing they are sold at. **Prerequisites:** Auth credentials and client context must be established. **Related:** Billing - name: Events description: >- Retrieve event records emitted by platform operations for audit and troubleshooting. **Prerequisites:** Requesting client must have access to referenced resources. **Related:** Webhooks, Transactions, Onboarding - name: Info description: >- Read platform capability metadata, such as supported rails, networks, and assets. These operations are served under `/capabilities/*` - `GET /capabilities/countries` and `GET /capabilities/networks`. The tag name does not appear in the request paths. **Prerequisites:** Valid authentication headers. **Related:** Accounts, Transactions - name: Sandbox description: >- Trigger sandbox-only simulation endpoints for safe end-to-end integration testing with synthetic data. The sandbox host (`https://api.platform.sandbox.dakota.xyz`) also accepts a family of `X-Sandbox-*` request headers on most write endpoints (`Customers`, `Accounts`, `Transactions`, simulate endpoints) that let integrators drive deterministic failure modes — pick a preset via `X-Sandbox-Scenario`, or compose a custom one with `X-Sandbox-Error-Step`/`X-Sandbox-Error-Status`/`X-Sandbox-Error-Message`. `X-Sandbox-Instant-Completion` collapses async flows to a single synchronous step, and `X-Sandbox-Skip-Auto-Approval` keeps newly created KYB applications in `pending` for manual-review testing. All `X-Sandbox-*` headers are ignored in production. **Prerequisites:** Sandbox environment and test customer data. **Related:** Customers, Accounts, Transactions, Onboarding - name: Legal description: |- The legal documents customers accept — terms of service, privacy policy, e-sign notice, and partner agreements. Dakota publishes these here, and this is the authoritative source: the hosted onboarding flow, the dakota.xyz website, and your own integration all read the same revisions. Present the current revision to your customer before capturing their acceptance so the record reflects the text they actually saw. paths: /cardholders/{cardholder_id}/application/information: parameters: - name: cardholder_id in: path required: true schema: $ref: '#/components/schemas/KSUID' description: The cardholder's ID. post: tags: - Cards summary: Submit requested information for a cardholder's application description: | Answer the open request items on a cardholder's enrollment application, the ones listed under `requested_information` on `GET /cardholders/{cardholder_id}/application` and announced by the `cardholder.information_requested` webhook. Send one response per item you are answering; items you omit stay open. For `field` and `question` items, `value` carries the answer. For `document` items, send the `request_id` alone: the response returns an upload target for it, a short-lived URL to PUT the file to together with the accepted content types. The file itself never travels through this endpoint. On success every answered item moves from `missing` to `on_file`, and the reviewer moves the application on; the client is told through `cardholder.updated`. The endpoint is only valid while the application is in `request_for_information`. Defined ahead of the review pipeline: the contract is final, but until the pipeline that records answers exists, a well-formed submission for a cardholder the caller owns answers `501`. operationId: submitCardholderInformation parameters: - $ref: '#/components/parameters/IdempotencyKeyHeader' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CardholderInformationSubmission' example: responses: - request_id: req_01HQ8XZ2M4N5P6R7S8T9V0W1X2 value: '1985-04-12' - request_id: req_01HQ8XZ2M4N5P6R7S8T9V0W1X3 responses: '202': description: | The submission was accepted. The body carries the application as `GET /cardholders/{cardholder_id}/application` now returns it, plus an upload target for every `document` item answered. content: application/json: example: application: cardholder_id: 31TgvufZK3gDXBcA3BnSeLWiSn7 status: under_review requested_information: - id: req_01HQ8XZ2M4N5P6R7S8T9V0W1X3 type: document description: A government-issued photo ID for the cardholder. status: on_file created_at: 1758211200 updated_at: 1758211260 upload_targets: - request_id: req_01HQ8XZ2M4N5P6R7S8T9V0W1X3 url: >- https://uploads.example.com/cardholder-documents/req_01HQ8XZ2M4N5P6R7S8T9V0W1X3 expires_at: 1758212160 accepted_content_types: - application/pdf - image/jpeg - image/png schema: $ref: '#/components/schemas/CardholderInformationSubmissionResponse' '400': description: >- Malformed body, such as no responses or a response without a `request_id`. content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' '401': description: Unauthorized content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' '403': description: Forbidden content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' '404': description: Not found content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' '409': description: | `#conflict`: the application is not in `request_for_information`, so there is nothing to answer. `detail` names the current status. content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' '422': description: | `#cardholder-information-rejected`: the body is well formed but a response cannot be recorded. `errors[]` names each offending response by its index. Enforced today: the same `request_id` twice in one submission (`responses[1].request_id`), and a `value` that is present but blank (`responses[2].value`). Once the review pipeline serves this endpoint, the same shape also reports an id that is not an open item on this application, a `value` sent for a `document` item, and a `value` missing on a `field` or `question` item. content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' '501': description: | `#cardholder-review-not-available`: the review pipeline that records answers is not available in this deployment. The request passed every other check; retrying will not help until it is. content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' servers: - url: https://api.platform.sandbox.dakota.xyz description: Sandbox components: schemas: KSUID: type: string title: KSUID description: >- KSUID is a 27-character globally unique ID that combines a timestamp with a random component. Used for all entity identifiers in the Dakota platform. pattern: ^[0-9A-Za-z]{27}$ minLength: 27 maxLength: 27 example: 1NFHrqBHb3cTfLVkFSGmHZqdDPi CardholderInformationSubmission: type: object title: Cardholder Information Submission description: Answers to open request items on a cardholder's application. required: - responses properties: responses: type: array minItems: 1 maxItems: 50 description: >- One entry per request item being answered. A `request_id` may appear at most once. items: $ref: '#/components/schemas/CardholderInformationResponse' CardholderInformationSubmissionResponse: type: object title: Cardholder Information Submission Response description: The application after a submission, with any upload targets it produced. required: - application properties: application: $ref: '#/components/schemas/CardholderApplicationResponse' upload_targets: type: array description: >- One target per `document` item answered. Omitted until document uploads are served; once they are, empty means none were answered. items: $ref: '#/components/schemas/CardholderDocumentUploadTarget' ProblemDetails: type: object required: - type - title - status description: | Error response following RFC 9457 Problem Details. Public API error responses use this format. example: type: https://docs.dakota.xyz/api-reference/errors#not-found title: Customer Not Found status: 404 detail: Customer cst_2abc123 was not found in your organization. instance: https://api.platform.dakota.xyz/customers/cst_2abc123 request_id: req_7f3a8b2c properties: type: type: string format: uri description: | URI reference identifying the problem type. Resolves to human-readable documentation. example: https://docs.dakota.xyz/api-reference/errors#not-found title: type: string description: >- Short, human-readable summary of the problem type. Stable across occurrences. example: Customer Not Found status: type: integer description: HTTP status code for this occurrence. example: 404 detail: type: string description: Human-readable explanation specific to this occurrence. example: Customer cst_2abc123 was not found in your organization. instance: type: string format: uri description: The request path that triggered this error. example: https://api.platform.dakota.xyz/customers/cst_2abc123 request_id: type: string description: Unique request identifier. Include when contacting support. example: req_7f3a8b2c errors: type: array description: Field-level validation errors (present for validation failures). items: $ref: '#/components/schemas/ValidationError' resolution_url: type: string format: uri description: | A link the customer can follow to CLEAR this error, present only on problems with a concrete self-service remedy. Today this is returned by `#terms-not-accepted`, where it points at the hosted flow in which the outstanding agreement can be signed. The link is token-gated and usable as-is — send the customer to it directly rather than parsing it out of `detail`. example: >- https://onboarding.dakota.xyz/applications/2abc123?token=tok_7f3a8b2c user_message: type: string description: | A plain-language rendition of `detail` written for the end customer, present when one exists for this error. `detail` names request fields and actions so a machine caller (such as a payment agent drafting proposals) can self-correct; `user_message` says the same thing without API vocabulary. Clients that relay errors into a human surface (chat, email, UI) should show `user_message` when present and fall back to `detail`. example: >- ACH payments pay out USD, so a USDC payout isn't possible on this rail. Change the payout currency to USD and try again. CardholderInformationResponse: type: object title: Cardholder Information Response description: The answer to one request item. required: - request_id properties: request_id: type: string minLength: 1 maxLength: 128 description: The `id` of an item in `requested_information` on the application. example: req_01HQ8XZ2M4N5P6R7S8T9V0W1X2 value: type: string maxLength: 2000 description: | The answer, for `field` and `question` items. Must be omitted for a `document` item, which is answered by uploading to the returned target instead. example: '1985-04-12' CardholderApplicationResponse: type: object title: Cardholder Application Response description: >- The enrollment application behind a cardholder: its review state and anything a reviewer is currently waiting on. The application status is narrower than the cardholder status — it describes only the review outcome, so it never carries lifecycle states like `suspended` or `closed`. A suspended cardholder reads `submitted`, not `approved`: a cardholder may be suspended while still mid-onboarding, so suspension is not evidence that the enrollment was ever approved. Treat `submitted` there as "no decision is being asserted" rather than as proof the review is still running. required: - cardholder_id - status - requested_information - created_at - updated_at properties: cardholder_id: $ref: '#/components/schemas/KSUID' status: type: string description: >- State of the enrollment review. `submitted` means screening is in progress, which on the clean path lasts seconds. `under_review` means a reviewer holds it, `request_for_information` means a reviewer needs something from you, and `approved` and `declined` are terminal. enum: - submitted - under_review - request_for_information - approved - declined example: approved requested_information: type: array description: >- Everything a reviewer is currently waiting on. Empty unless the application is in `request_for_information`. Note: the cardholder review pipeline is not yet enabled, so this array is currently always empty. Treat an empty array as "nothing is being requested through this channel", not as proof that a review has completed — read `status` for that. items: $ref: '#/components/schemas/CardholderRequirement' example: [] created_at: type: integer description: >- Unix timestamp (seconds). Mirrors the cardholder record while the review pipeline is not yet enabled — there is no separate application record to date yet. updated_at: type: integer description: >- Unix timestamp (seconds). Mirrors the cardholder record, so it moves on any cardholder change (a contact edit, for example) and is **not** a reliable signal that the review state changed. Read `status` for review progress. CardholderDocumentUploadTarget: type: object title: Cardholder Document Upload Target description: Where to send the file for one `document` request item. required: - request_id - url - expires_at - accepted_content_types properties: request_id: type: string description: The `document` item this target answers. example: req_01HQ8XZ2M4N5P6R7S8T9V0W1X3 url: type: string format: uri description: Short-lived URL to PUT the file to. Single use. expires_at: type: integer description: Unix timestamp in seconds after which the URL is no longer valid. example: 1757600000 accepted_content_types: type: array description: MIME types the upload accepts. items: type: string example: - application/pdf - image/jpeg - image/png ValidationError: type: object required: - field - message properties: field: type: string description: Field path using dot notation for nested fields. example: bank_account.routing_number message: type: string description: Human-readable description of the field error. example: Routing number must be exactly 9 digits code: type: string description: Machine-readable error code for this field. example: invalid_format CardholderRequirement: type: object title: Cardholder Requirement description: >- A single piece of information a reviewer has requested. `status` is `missing` until it has been supplied. required: - id - type - description - status properties: id: type: string description: >- Opaque identifier for this requirement, stable for as long as the request is open. Use it to answer the request. example: req_01HQ8XZ2M4N5P6R7S8T9V0W1X2 type: $ref: '#/components/schemas/CardholderRequirementType' description: type: string description: Human-readable statement of what is being asked for. example: A valid government-issued photo ID. status: type: string description: Whether this requirement has been satisfied. enum: - missing - on_file example: missing CardholderRequirementType: type: string title: Cardholder Requirement Type description: >- The kind of information a reviewer has asked for. `field` is a value on the cardholder that must be corrected, `question` is free text a reviewer asked, and `document` is a file that must be supplied. enum: - document - field - question example: document parameters: IdempotencyKeyHeader: name: x-idempotency-key in: header required: true description: >- Unique key to ensure request idempotency. If the same key is used within a certain time window, the original response will be returned instead of executing the request again. schema: type: string format: uuid securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-api-key ````