> ## 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. # List all onboarding applications > Returns a paginated list of your onboarding applications for both businesses and individuals. Use the `type` parameter to filter by application type, and `status` to filter by application status. Supports cursor-based pagination using `starting_after`, `ending_before`, and `limit` parameters. **Authentication:** Accepts API Key (X-API-Key header). ## OpenAPI ````yaml /openapi.yaml get /applications 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: /applications: get: tags: - Onboarding summary: List all onboarding applications description: > Returns a paginated list of your onboarding applications for both businesses and individuals. Use the `type` parameter to filter by application type, and `status` to filter by application status. Supports cursor-based pagination using `starting_after`, `ending_before`, and `limit` parameters. **Authentication:** Accepts API Key (X-API-Key header). operationId: listApplications parameters: - name: type in: query required: false description: Filter by application type schema: type: string enum: - business - individual - name: status in: query required: false description: Filter by application status schema: type: string enum: - pending - submitted - completed - $ref: '#/components/parameters/StartingAfterParam' - $ref: '#/components/parameters/EndingBeforeParam' - $ref: '#/components/parameters/LimitParam' responses: '200': description: List of applications content: application/json: schema: type: object required: - data - meta properties: data: type: array items: $ref: '#/components/schemas/ApplicationListItem' meta: $ref: '#/components/schemas/Meta' example: data: - application_id: 2hCjxJzUAW6JVRkZqaF9E0KpM3a application_type: business application_status: pending application_decision: approved business: id: 2hCjxJzUAW6JVRkZqaF9E0KpM3a legal_name: Acme Corp individuals: - id: 2hCjxJzUAW6JVRkZqaF9E0KpM3b first_name: John last_name: Doe edd_id: 2hCjxJzUAW6JVRkZqaF9E0KpM3c created_at: '2024-01-15T10:30:00Z' updated_at: '2024-01-15T14:45:00Z' submitted_at: '2024-01-15T16:00:00Z' risk_rating: score: 7 num_factors: 4 percentage: 62.5 level: high factors: - name: country_risk value: 3 level: high input: US description: Country risk based on incorporation country reason: United States is a low-risk jurisdiction prohibited: false edd_required: true prohibited: false prohibited_reason: Sanctioned country version: v1 data_version: '2026-01-07' config: threshold_low: 25 threshold_high: 50 calculated_at: '2024-01-15T10:30:00Z' meta: total_count: 100 has_more_after: true has_more_before: false '400': description: Invalid request 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: Invalid request instance: https://api.platform.dakota.xyz/applications request_id: req_01hzy6y7v8w9x0y1z2a3b4c5d6 '401': description: Unauthorized content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' example: type: >- https://docs.dakota.xyz/api-reference/errors#authentication-error title: Unauthorized status: 401 detail: Unauthorized instance: https://api.platform.dakota.xyz/applications request_id: req_01hzy6y7v8w9x0y1z2a3b4c5d6 '403': description: Forbidden content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' example: type: https://docs.dakota.xyz/api-reference/errors#forbidden title: Forbidden status: 403 detail: Forbidden instance: https://api.platform.dakota.xyz/applications request_id: req_01hzy6y7v8w9x0y1z2a3b4c5d6 default: description: Unexpected error content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' example: type: https://docs.dakota.xyz/api-reference/errors#internal-error title: Unexpected error status: 500 detail: Unexpected error instance: https://api.platform.dakota.xyz/applications request_id: req_01hzy6y7v8w9x0y1z2a3b4c5d6 externalDocs: description: Read full guide in docs url: >- https://docs.dakota.xyz/api-reference/onboarding/list-all-onboarding-applications components: parameters: StartingAfterParam: name: starting_after in: query required: false description: >- A cursor for use in pagination. `starting_after` is a KSUID for the object you are listing that defines your place in the list. For instance, if you make a list request and receive 100 objects, ending with ID `2B5J8KZ9N7M1K3P6Q8R4T7V9`, your subsequent call can include `starting_after=2B5J8KZ9N7M1K3P6Q8R4T7V9` in order to fetch the next page of the list. schema: $ref: '#/components/schemas/KSUID' EndingBeforeParam: name: ending_before in: query required: false description: >- A cursor for use in pagination. `ending_before` is a KSUID for the object you are listing that defines your place in the list. For instance, if you make a list request and receive 100 objects, starting with ID `2B5J8KZ9N7M1K3P6Q8R4T7V9`, your subsequent call can include `ending_before=2B5J8KZ9N7M1K3P6Q8R4T7V9` in order to fetch the previous page of the list. schema: $ref: '#/components/schemas/KSUID' LimitParam: name: limit in: query required: false description: >- A limit on the number of objects to be returned. Limit can range between 1 and 100, and the default is 20. schema: type: integer minimum: 1 maximum: 100 default: 20 schemas: ApplicationListItem: type: object description: >- Lightweight application item for list views - no PII, just IDs, names, and timestamps required: - application_id - application_type - application_status - individuals - created_at - updated_at properties: application_id: type: string format: ksuid description: Unique application identifier example: 2hCjxJzUAW6JVRkZqaF9E0KpM3a application_type: type: string description: Type of application enum: - business - individual example: business application_status: $ref: '#/components/schemas/ApplicationStatus' application_decision: type: string description: Application decision status (if a decision has been made) enum: - approved - declined - auto_declined - withdrawn example: approved decline_reason: allOf: - $ref: '#/components/schemas/DeclineReason' description: >- The client-visible category, when the application is declined and one was recorded. business: $ref: '#/components/schemas/BusinessListItem' description: Business entity (only present for business applications) individuals: type: array description: Individual entities associated with this application items: $ref: '#/components/schemas/IndividualListItem' edd_id: type: string format: ksuid description: EDD record ID (if exists) example: 2hCjxJzUAW6JVRkZqaF9E0KpM3c created_at: type: string format: date-time description: When the application was created example: '2024-01-15T10:30:00Z' updated_at: type: string format: date-time description: When the application was last updated example: '2024-01-15T14:45:00Z' submitted_at: type: string format: date-time description: When the application was submitted (if submitted) example: '2024-01-15T16:00:00Z' risk_rating: $ref: '#/components/schemas/RiskRating' description: Risk rating information (only present for superadmin users) Meta: type: object description: Meta information about the response required: - total_count - has_more_after - has_more_before properties: total_count: type: integer description: Total number of items available example: 100 has_more_after: type: boolean description: Indicates whether there are more items that follow this set. example: true has_more_before: type: boolean description: Indicates whether there are more items that precede this set. example: false 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. reason: type: string description: > A stable, machine-readable code for why the request was refused, present only when Dakota has a typed reason for this error. Branch on `reason` rather than parsing `detail`. `detail` is unchanged. This is an open set: new values are added over time and a value is never repurposed, so treat an unrecognized `reason` as absent. Which operations return it today: - `createAccount` (onramp, offramp and swap) and `createTransaction` (a one-off transaction creates an account): every value in the table except `immutable_field`; `signature_required` comes from `createTransaction` only. - `updateAccount`: `field_invalid` (a developer fee that is out of range), `resource_not_found`, and `immutable_field` (the change would alter the account's routing; create a new account instead). - `deleteAccount`: `resource_not_found`. - `createInstructions`: a payment-agent instruction that creates an account fails with the same `reason` values as `createAccount`, but `params.field` is never returned there: the response carries the other `params` keys only, because this operation has no public field names to map to. - Other operations may also set `reason`. Treat a `reason` you do not recognize as absent, as above, and never assume an operation that is not listed here omits it. | `reason` | Meaning | `params` | | --- | --- | --- | | `field_required` | A required request field is missing. | `field` | | `field_invalid` | A field is present but unusable. | `field`, `constraint`, `rail` | | `field_too_long` | A field is longer than the rail allows. | `field`, `max`, `actual`, `rail` | | `field_too_short` | A field is shorter than the rail allows. | `field`, `min`, `actual` | | `address_incomplete` | An address lacks parts the route needs. | `subject`, `fields` | | `unsupported_network` | The network is not supported. | `network` | | `unsupported_asset` | The asset does not exist on the network. | `asset`, `network` | | `no_route_available` | No payment route covers the request. | `direction`, `rail`, `currency`, `network` | | `onboarding_required` | The customer has not completed onboarding for a capability. | `capability` | | `entity_not_active` | Onboarding for a capability exists but is not yet usable. | `capability`, `status` | | `destination_unreachable` | The destination cannot be reached over the requested rail. | `rail`, `alternative`, `direction` | | `limit_exceeded` | An amount exceeds a ceiling. | `limit`, `max`, `configured`, `currency` | | `resource_not_found` | The named resource does not exist. | `resource` | | `duplicate_resource` | A matching resource already exists. | `resource` | | `request_rejected` | The request was refused and the reason is not disclosed. | none | | `signature_required` | The request must be signed. | none | | `immutable_field` | The field cannot be changed on an existing account; create a new one. | none | example: field_too_long params: type: object description: | Parameters of `reason`. Every value is a string: a number, a token from a closed set, or the public name of a request field (`field` is expressed in this operation's request body, and is omitted when the offending value has no public name). Never free text. Present only alongside `reason`, and only when the reason has parameters. additionalProperties: type: string example: field: payment_reference max: '35' actual: '40' rail: swift 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 ApplicationStatus: type: string title: Application Status description: > Current status of an application in the onboarding flow. Status flow: - `pending` - Initial state, not yet submitted - `submitted` - Submitted for verification - `under_review` - Being reviewed by compliance team - `request_for_information` - Admin requesting additional info/documents from applicant - `admin_revision` - Admin making corrections to application data - `approved` - Application approved - `declined` - Application declined - `completed` - Legacy status (deprecated, use approved/declined instead) - `compliance_review` - Application is awaiting compliance review of a Proof of Address document. Set when an individual applicant uploads a PoA-equivalent document (proof_of_address, bank_statement, or utility_bill) after their application has already been approved or completed. The customer remains active but is subject to the $3,000 USD-equivalent rolling 7-day transaction limit until the review concludes. - `closed` - Compliance took the application out of review without a decision. It may be reopened to `under_review` by compliance. enum: - pending - submitted - under_review - request_for_information - admin_revision - approved - declined - completed - compliance_review - closed example: submitted DeclineReason: type: string title: Decline Reason description: > The category of a declined application that may be shared with the client and the applicant. It is the whole of what is shared: the reviewer's notes and the internal decision text are never returned. - `unsupported_region` - the applicant is located in a region Dakota does not currently support - `prohibited_country` - a country of incorporation, address or nationality is not supported - `prohibited_business_type` - the industry, legal structure or ownership form is not eligible - `other` - the application does not meet Dakota's onboarding requirements; no further detail is available Each value has a fixed `decline_message` you can show as is. Automatic declines set the category from the rule that fired; manual declines carry the category the reviewer selected, or `other` when none was. Declines recorded before this field existed have no category. enum: - unsupported_region - prohibited_country - prohibited_business_type - other example: prohibited_country BusinessListItem: type: object description: Lightweight business info for list views required: - id - legal_name properties: id: type: string format: ksuid example: 2hCjxJzUAW6JVRkZqaF9E0KpM3a legal_name: type: string description: Legal business name example: Acme Corp IndividualListItem: type: object description: Lightweight individual info for list views required: - id - first_name - last_name properties: id: type: string format: ksuid example: 2hCjxJzUAW6JVRkZqaF9E0KpM3b first_name: type: string description: First name example: John last_name: type: string description: Last name example: Doe RiskRating: type: object description: Risk rating assessment for an application required: - score - num_factors - percentage - level - factors - edd_required - prohibited - version - calculated_at - data_version - config properties: score: type: integer description: Sum of all factor values example: 7 num_factors: type: integer description: Number of factors evaluated example: 4 percentage: type: number format: double description: Risk percentage (0-100) example: 62.5 level: type: string description: Risk level classification enum: - low - medium - high example: high factors: type: array description: Detailed breakdown of risk factors items: type: object required: - name - value - level - input - description - reason - prohibited properties: name: type: string description: Factor name (e.g., 'country_risk', 'industry_risk') example: country_risk value: type: integer description: Risk factor value (1=low, 2=medium, 3=high) enum: - 1 - 2 - 3 example: 3 level: type: string description: Risk level for this factor enum: - low - medium - high example: high input: type: string description: Actual input value (country code, NAICS, etc.) example: US description: type: string description: Human-readable description of the factor example: Country risk based on incorporation country reason: type: string description: Explanation for this risk level example: United States is a low-risk jurisdiction prohibited: type: boolean description: Whether this factor value is prohibited example: false edd_required: type: boolean description: Whether Enhanced Due Diligence is required (true if level is high) example: true prohibited: type: boolean description: >- Whether this entity is prohibited from onboarding (true if any factor is prohibited) example: false prohibited_reason: type: string description: Reason for prohibition if prohibited is true example: Sanctioned country version: type: string description: Risk rating calculation version example: v1 data_version: type: string description: Risk data version (which CSV files were used) example: '2026-01-07' config: $ref: '#/components/schemas/RiskConfig' calculated_at: type: string format: date-time description: When the risk rating was calculated example: '2024-01-15T10:30:00Z' 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 RiskConfig: type: object description: Configuration parameters used during risk calculation required: - threshold_low - threshold_high properties: threshold_low: type: number format: double description: Low to medium risk threshold percentage example: 25 threshold_high: type: number format: double description: Medium to high risk threshold percentage example: 50 securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-api-key ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.