> ## 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.

# Answer a request for information

> Records the applicant's response to a request for information and hands
the application back to the reviewer: `rfi_status` becomes
`information_received` and `customer.rfi.responded` is raised.

Call it after uploading whatever the reviewer asked for. The uploads
are already attached to the application, so a request for documents
alone needs no body beyond `{}`. `answers` carries the reviewer's
free-text questions; `document_ids` inside an entry ties uploaded
documents to that particular answer.

It answers the reviewer's request only, so unlike submitting the
application again it does not require the rest of the application to be
complete. It does not verify that a request is outstanding: on an
application with no open request it still moves the status and raises
the event.

**Authentication:** Application Token (X-Application-Token header). The
token is the `token` query parameter of the customer's `resubmit_url`,
which `GET /customers/{customer_id}` returns while a request with a
resubmission scope is open. A request sent without one has no
`resubmit_url`; take the token from `application_url` instead.




## OpenAPI

````yaml /openapi.yaml post /applications/{id}/rfi/resubmit
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: 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:
  /applications/{id}/rfi/resubmit:
    post:
      tags:
        - Onboarding
        - RFI
      summary: Answer a request for information
      description: |
        Records the applicant's response to a request for information and hands
        the application back to the reviewer: `rfi_status` becomes
        `information_received` and `customer.rfi.responded` is raised.

        Call it after uploading whatever the reviewer asked for. The uploads
        are already attached to the application, so a request for documents
        alone needs no body beyond `{}`. `answers` carries the reviewer's
        free-text questions; `document_ids` inside an entry ties uploaded
        documents to that particular answer.

        It answers the reviewer's request only, so unlike submitting the
        application again it does not require the rest of the application to be
        complete. It does not verify that a request is outstanding: on an
        application with no open request it still moves the status and raises
        the event.

        **Authentication:** Application Token (X-Application-Token header). The
        token is the `token` query parameter of the customer's `resubmit_url`,
        which `GET /customers/{customer_id}` returns while a request with a
        resubmission scope is open. A request sent without one has no
        `resubmit_url`; take the token from `application_url` instead.
      operationId: RFIResubmit
      parameters:
        - name: id
          in: path
          required: true
          schema:
            type: string
        - name: x-idempotency-key
          in: header
          required: false
          description: |
            Unique key, a UUID. The server rejects this call with 400 when the
            header is absent or is not a UUID, so send one on every request. A
            repeat of the same key within the cache window returns the original
            response instead of recording the answers again.
          schema:
            type: string
            format: uuid
      requestBody:
        required: false
        content:
          application/json:
            schema:
              type: object
              properties:
                answers:
                  type: array
                  description: >-
                    Applicant answers to the freeform RFI questions asked on
                    this application.
                  items:
                    type: object
                    required:
                      - question_key
                      - answer_text
                    properties:
                      question_key:
                        type: string
                        description: |
                          The `key` of the RFI question being answered. Stored
                          truncated to the first 200 characters.
                      prompt:
                        type: string
                        description: |
                          Snapshot of the question text, stored for display.
                          Stored truncated to the first 20000 characters.
                      answer_text:
                        type: string
                        description: |
                          The applicant's free-text answer. Stored truncated to
                          the first 20000 characters.
                      document_ids:
                        type: array
                        description: |
                          Optional ids of documents the applicant attached with
                          this answer, as returned by the upload endpoints. An
                          id that belongs to another application is dropped
                          silently: the call still returns 200 and the answer is
                          stored without it, so check the ids you send.
                        items:
                          type: string
            example:
              answers:
                - question_key: source_of_wealth
                  prompt: Please explain how the funds were accumulated.
                  answer_text: >-
                    Proceeds from the 2024 sale of the founder's previous
                    company.
                  document_ids:
                    - 1NFHrqBHb3cTfLVkFSGmHZqdDPi
      responses:
        '200':
          description: |
            The response was recorded and the application is back with the
            reviewer.

            Each call records the `answers` it carries, so a second call with a
            NEW `x-idempotency-key` leaves the reviewer reading the same answer
            twice. The status change and `customer.rfi.responded` are raised
            once either way.

            Retry with the SAME `x-idempotency-key` as the call you are
            retrying: within the cache window the original response is replayed
            and nothing is recorded again, which is what makes a retry safe
            when you cannot tell whether the first attempt arrived.
        '400':
          description: |
            The `x-idempotency-key` header is missing or is not a UUID, or the
            request carries no body at all. A body is always read, so send `{}`
            when there are no answers to record.
          content:
            application/problem+json:
              schema:
                $ref: '#/components/schemas/ProblemDetails'
              example:
                type: https://docs.dakota.xyz/api-reference/errors#invalid-request
                title: Invalid Request
                status: 400
                detail: Missing required X-Idempotency-Key header
                instance: /applications/31TgwCp3sMdF9gY4nT6hKvXqRbLm/rfi/resubmit
                request_id: req_7f3a8b2c
        '401':
          description: No application token was supplied.
          content:
            application/problem+json:
              schema:
                $ref: '#/components/schemas/ProblemDetails'
              example:
                type: >-
                  https://docs.dakota.xyz/api-reference/errors#authentication-error
                title: Authentication Required
                status: 401
                detail: Missing X-Application-Token header
                instance: /applications/31TgwCp3sMdF9gY4nT6hKvXqRbLm/rfi/resubmit
                request_id: req_7f3a8b2c
        '403':
          description: |
            The application token is invalid or expired, or belongs to a
            different application.

            An API key is also refused here. Application routes accept a client
            API key only from Dakota's own internal users, so a client calling
            this route with the key it uses everywhere else gets this status,
            not a 401. Use the application token.
          content:
            application/problem+json:
              schema:
                $ref: '#/components/schemas/ProblemDetails'
              example:
                type: https://docs.dakota.xyz/api-reference/errors#forbidden
                title: Forbidden
                status: 403
                detail: Invalid request or expired token
                instance: /applications/31TgwCp3sMdF9gY4nT6hKvXqRbLm/rfi/resubmit
                request_id: req_7f3a8b2c
        '404':
          description: Application not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                code: application_not_found
                message: Application not found
        '409':
          description: >-
            The application has already been decided; the resubmission window is
            closed
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                code: invalid_request
                message: >-
                  The application has already been decided; the resubmission
                  window is closed
      security:
        - ApplicationTokenAuth: []
components:
  schemas:
    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.
    Error:
      type: object
      required:
        - code
        - message
      properties:
        code:
          type: string
          description: Machine-readable error code
        message:
          type: string
          description: Human-readable error message
        details:
          type: object
          description: Optional metadata for troubleshooting
          additionalProperties: true
    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
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: x-api-key
    ApplicationTokenAuth:
      type: apiKey
      in: header
      name: X-Application-Token
      description: >
        Application-specific token for public URL access. Generated when a
        customer is created.

        Provides access to a single application without requiring an API key.

        Token is valid for 90 days and rate-limited to 250 requests per hour.

````