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POST
/
applications
/
{application_id}
/
submit
Submit an application for verification
curl --request POST \
  --url https://api.platform.dakota.xyz/applications/{application_id}/submit \
  --header 'X-Application-Token: <api-key>' \
  --header 'x-idempotency-key: <x-idempotency-key>'
{
  "application_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3a",
  "application_type": "business",
  "application_status": "pending",
  "application_created_at": "2024-01-15T10:30:00Z",
  "application_updated_at": "2024-01-16T14:45:00Z",
  "entities": {
    "business": {
      "id": "2hCjxJzUAW6JVRkZqaF9E0KpM3a",
      "legal_name": "Acme Corporation",
      "country_of_incorporation": "US",
      "date_of_incorporation": "2020-01-15",
      "legal_structure": "llc",
      "registration_number": "123456789",
      "registered_address": {
        "street1": "123 Main St",
        "city": "San Francisco",
        "country": "US",
        "street2": "Apt 4B",
        "street3": "Building C",
        "region": "California",
        "postal_code": "94105"
      },
      "industry_code": "541511",
      "business_description": "Software development and technology consulting services",
      "purpose_of_account": [
        "first_party_payments",
        "business_expenses"
      ],
      "average_monthly_revenue": "1_to_10m",
      "expected_monthly_deposit": "100k_to_500k",
      "expected_monthly_transaction_volume": "0_to_10",
      "source_of_funds": [
        "proprietary_funds",
        "customer_funds"
      ],
      "tax_id_number": "12-3456789",
      "dba": "Acme Inc",
      "operating_address": {
        "street1": "123 Main St",
        "city": "San Francisco",
        "country": "US",
        "street2": "Apt 4B",
        "street3": "Building C",
        "region": "California",
        "postal_code": "94105"
      },
      "has_bearer_shares": false,
      "transact_on_behalf_of_third_parties": false,
      "website_url": "https://www.acme.com",
      "decision": "approved",
      "decision_reason": "All verification checks passed",
      "decision_by": "admin@dakota.xyz",
      "decision_at": 1705315800,
      "sumsub_verification": {
        "applicant_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b",
        "provider_applicant_id": "65a1b2c3d4e5f6g7h8i9j0k1",
        "entity_type": "individual",
        "type": "individual",
        "decision": "approved",
        "decision_reason": "All verification checks passed",
        "decision_by": "admin@dakota.xyz",
        "decision_at": 1705315800,
        "review": {
          "review_id": "65a1b2c3d4e5f6g7h8i9j0k1",
          "attempt_id": "65a1b2c3d4e5f6g7h8i9j0k2",
          "attempt_cnt": 1,
          "level_name": "basic-kyc-level",
          "create_date": "2024-01-15T10:30:00Z",
          "review_date": "2024-01-15T14:45:00Z",
          "review_status": "completed",
          "review_result": {
            "review_answer": "GREEN",
            "reject_labels": [
              "DOCUMENT_TEMPLATE",
              "FRAUDULENT_PATTERNS"
            ],
            "reject_type": "FINAL",
            "button_ids": [
              "approve"
            ],
            "moderation_comment": "All documents verified successfully",
            "client_comment": "Approved for onboarding"
          }
        },
        "risk_labels": {
          "device": [
            "EMULATOR",
            "VPN"
          ],
          "cross_check": [
            "FAKE_ID",
            "BLACKLIST"
          ],
          "attempt_id": "65a1b2c3d4e5f6g7h8i9j0k2",
          "created_at": "2024-01-15T10:30:00Z"
        }
      }
    },
    "primary_individual": {
      "id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b",
      "first_name": "John",
      "last_name": "Doe",
      "date_of_birth": "1985-06-15",
      "nationalities": [
        "US"
      ],
      "address": {
        "street1": "123 Main St",
        "city": "San Francisco",
        "country": "US",
        "street2": "Apt 4B",
        "street3": "Building C",
        "region": "California",
        "postal_code": "94105"
      },
      "email_address": "john.doe@example.com",
      "phone_number": "+1-555-123-4567",
      "employment_status": "employed",
      "purpose_of_account": [
        "investing",
        "storage_of_funds_or_digital_assets"
      ],
      "source_of_wealth": [
        "employment",
        "savings"
      ],
      "decision": "approved",
      "decision_reason": "All verification checks passed",
      "decision_by": "admin@dakota.xyz",
      "decision_at": 1705315800,
      "sumsub_verification": {
        "applicant_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b",
        "provider_applicant_id": "65a1b2c3d4e5f6g7h8i9j0k1",
        "entity_type": "individual",
        "type": "individual",
        "decision": "approved",
        "decision_reason": "All verification checks passed",
        "decision_by": "admin@dakota.xyz",
        "decision_at": 1705315800,
        "review": {
          "review_id": "65a1b2c3d4e5f6g7h8i9j0k1",
          "attempt_id": "65a1b2c3d4e5f6g7h8i9j0k2",
          "attempt_cnt": 1,
          "level_name": "basic-kyc-level",
          "create_date": "2024-01-15T10:30:00Z",
          "review_date": "2024-01-15T14:45:00Z",
          "review_status": "completed",
          "review_result": {
            "review_answer": "GREEN",
            "reject_labels": [
              "DOCUMENT_TEMPLATE",
              "FRAUDULENT_PATTERNS"
            ],
            "reject_type": "FINAL",
            "button_ids": [
              "approve"
            ],
            "moderation_comment": "All documents verified successfully",
            "client_comment": "Approved for onboarding"
          }
        },
        "risk_labels": {
          "device": [
            "EMULATOR",
            "VPN"
          ],
          "cross_check": [
            "FAKE_ID",
            "BLACKLIST"
          ],
          "attempt_id": "65a1b2c3d4e5f6g7h8i9j0k2",
          "created_at": "2024-01-15T10:30:00Z"
        }
      }
    },
    "associated_individuals": [
      {
        "id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b",
        "first_name": "John",
        "last_name": "Doe",
        "date_of_birth": "1985-06-15",
        "nationalities": [
          "US"
        ],
        "address": {
          "street1": "123 Main St",
          "city": "San Francisco",
          "country": "US",
          "street2": "Apt 4B",
          "street3": "Building C",
          "region": "California",
          "postal_code": "94105"
        },
        "email_address": "john.doe@example.com",
        "roles": [
          "ubo",
          "control_person"
        ],
        "phone_number": "+1-555-123-4567",
        "employment_status": "employed",
        "purpose_of_account": [
          "investing",
          "storage_of_funds_or_digital_assets"
        ],
        "source_of_wealth": [
          "employment",
          "savings"
        ],
        "decision": "approved",
        "decision_reason": "All verification checks passed",
        "decision_by": "admin@dakota.xyz",
        "decision_at": 1705315800,
        "sumsub_verification": {
          "applicant_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b",
          "provider_applicant_id": "65a1b2c3d4e5f6g7h8i9j0k1",
          "entity_type": "individual",
          "type": "individual",
          "decision": "approved",
          "decision_reason": "All verification checks passed",
          "decision_by": "admin@dakota.xyz",
          "decision_at": 1705315800,
          "review": {
            "review_id": "65a1b2c3d4e5f6g7h8i9j0k1",
            "attempt_id": "65a1b2c3d4e5f6g7h8i9j0k2",
            "attempt_cnt": 1,
            "level_name": "basic-kyc-level",
            "create_date": "2024-01-15T10:30:00Z",
            "review_date": "2024-01-15T14:45:00Z",
            "review_status": "completed",
            "review_result": {
              "review_answer": "GREEN",
              "reject_labels": [
                "DOCUMENT_TEMPLATE",
                "FRAUDULENT_PATTERNS"
              ],
              "reject_type": "FINAL",
              "button_ids": [
                "approve"
              ],
              "moderation_comment": "All documents verified successfully",
              "client_comment": "Approved for onboarding"
            }
          },
          "risk_labels": {
            "device": [
              "EMULATOR",
              "VPN"
            ],
            "cross_check": [
              "FAKE_ID",
              "BLACKLIST"
            ],
            "attempt_id": "65a1b2c3d4e5f6g7h8i9j0k2",
            "created_at": "2024-01-15T10:30:00Z"
          }
        },
        "ownership_percentage": 25.5,
        "title": "CEO"
      }
    ]
  },
  "validation": {
    "ready": false,
    "status_message": "Waiting on: business documents, 2 individuals' documents, and attestations",
    "attestations": {
      "completed": [
        {
          "type": "information_accuracy",
          "attested_at": "2024-01-17T15:30:00Z",
          "attested_by": "John Doe"
        }
      ],
      "missing": [
        "terms_of_service",
        "privacy_policy"
      ]
    },
    "business": {
      "ready": false,
      "details": {
        "ready": false,
        "missing_fields": [
          "legal_structure",
          "date_of_incorporation",
          "business_description"
        ]
      },
      "documents": {
        "uploaded_documents": [
          {
            "document_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3a",
            "document_type": "passport",
            "status": "uploaded",
            "uploaded_at": "2025-01-15T10:30:00Z"
          }
        ],
        "missing_documents": [
          {
            "purpose": "business_formation",
            "accepted_types": [
              "articles_of_incorporation"
            ],
            "description": "Articles of Incorporation or equivalent formation document"
          }
        ],
        "ready": false
      },
      "id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b"
    },
    "primary_individual": {
      "ready": false,
      "details": {
        "ready": false,
        "missing_fields": [
          "legal_structure",
          "date_of_incorporation",
          "business_description"
        ]
      },
      "documents": {
        "uploaded_documents": [
          {
            "document_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3a",
            "document_type": "passport",
            "status": "uploaded",
            "uploaded_at": "2025-01-15T10:30:00Z"
          }
        ],
        "missing_documents": [
          {
            "purpose": "business_formation",
            "accepted_types": [
              "articles_of_incorporation"
            ],
            "description": "Articles of Incorporation or equivalent formation document"
          }
        ],
        "ready": false
      },
      "individual_name": "John Doe",
      "id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b"
    },
    "associated_individuals": [
      {
        "ready": false,
        "details": {
          "ready": false,
          "missing_fields": [
            "legal_structure",
            "date_of_incorporation",
            "business_description"
          ]
        },
        "documents": {
          "uploaded_documents": [
            {
              "document_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3a",
              "document_type": "passport",
              "status": "uploaded",
              "uploaded_at": "2025-01-15T10:30:00Z"
            }
          ],
          "missing_documents": [
            {
              "purpose": "business_formation",
              "accepted_types": [
                "articles_of_incorporation"
              ],
              "description": "Articles of Incorporation or equivalent formation document"
            }
          ],
          "ready": false
        },
        "individual_name": "John Doe",
        "id": "2hCjxJzUAW6JVRkZqaF9E0KpM3b"
      }
    ],
    "edd": {
      "required": true,
      "ready": false,
      "details": {
        "ready": false,
        "missing_fields": [
          "legal_structure",
          "date_of_incorporation",
          "business_description"
        ]
      },
      "documents": {
        "uploaded_documents": [
          {
            "document_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3a",
            "document_type": "passport",
            "status": "uploaded",
            "uploaded_at": "2025-01-15T10:30:00Z"
          }
        ],
        "missing_documents": [
          {
            "purpose": "business_formation",
            "accepted_types": [
              "articles_of_incorporation"
            ],
            "description": "Articles of Incorporation or equivalent formation document"
          }
        ],
        "ready": false
      },
      "id": "1NFHrqBHb3cTfLVkFSGmHZqdDPi"
    }
  },
  "application_submitted_at": "2024-01-17T16:00:00Z",
  "application_decision": "approved",
  "edd": {
    "account_usage_description": "Processing payments for e-commerce transactions",
    "id": "1NFHrqBHb3cTfLVkFSGmHZqdDPi",
    "business_id": "1NFHrqBHb3cTfLVkFSGmHZqdDPi",
    "created_at": "2025-01-15T10:30:00Z",
    "updated_at": "2025-01-15T14:45:00Z",
    "top_customer_countries": [
      "US",
      "GB",
      "CA"
    ],
    "screens_customers_for_sanctions": true,
    "allow_third_party_access": false,
    "is_token_issuer": false,
    "will_conduct_token_sale": false,
    "token_sale_amount_usd": 1000000,
    "token_sale_availability": "Public sale to accredited investors",
    "token_sale_registration_status": "Registered with SEC",
    "is_regulated": true,
    "unregulated_justification": "Operating in exempt category under local regulations",
    "country_of_regulation": "US",
    "regulatory_license_type": "Money Services Business (MSB)",
    "verifies_customer_identity": true,
    "kyc_service_provider": "Sumsub",
    "has_transaction_monitoring": true,
    "subject_to_aml_audits": true,
    "last_audit_date": "2024-06-30",
    "document_info": {
      "uploaded_documents": [
        {
          "document_id": "2hCjxJzUAW6JVRkZqaF9E0KpM3a",
          "document_type": "passport",
          "status": "uploaded",
          "uploaded_at": "2025-01-15T10:30:00Z"
        }
      ],
      "missing_documents": [
        {
          "purpose": "business_formation",
          "accepted_types": [
            "articles_of_incorporation"
          ],
          "description": "Articles of Incorporation or equivalent formation document"
        }
      ]
    }
  },
  "attestations": {
    "information_accuracy": {
      "attested_at": "2024-01-17T15:30:00Z",
      "attested_by": "John Doe"
    },
    "terms_of_service": {
      "attested_at": "2024-01-17T15:30:00Z",
      "attested_by": "John Doe"
    },
    "privacy_policy": {
      "attested_at": "2024-01-17T15:30:00Z",
      "attested_by": "John Doe"
    },
    "funds_transfer_agreement": {
      "attested_at": "2024-01-17T15:30:00Z",
      "attested_by": "John Doe"
    },
    "lead_bank_privacy_policy": {
      "attested_at": "2024-01-17T15:30:00Z",
      "attested_by": "John Doe"
    },
    "e_sign": {
      "attested_at": "2024-01-17T15:30:00Z",
      "attested_by": "John Doe"
    }
  },
  "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,
    "version": "v1",
    "data_version": "2026-01-07",
    "config": {
      "threshold_low": 25,
      "threshold_high": 50
    },
    "calculated_at": "2024-01-15T10:30:00Z",
    "prohibited_reason": "Sanctioned country"
  },
  "is_client_application": false
}

Authorizations

ā€‹
X-Application-Token
string
header
required

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 30 days and rate-limited to 100 requests per hour.

Headers

ā€‹
x-idempotency-key
string<uuid>
required

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.

Path Parameters

ā€‹
application_id
string
required

The unique identifier for the application 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.

Required string length: 27
Example:

"1NFHrqBHb3cTfLVkFSGmHZqdDPi"

Response

Application submitted successfully

Application response with separated entity data and validation state

ā€‹
application_id
string<ksuid>
required

Unique application identifier

Example:

"2hCjxJzUAW6JVRkZqaF9E0KpM3a"

ā€‹
application_type
enum<string>
required

Type of application

Available options:
business,
individual
Example:

"business"

ā€‹
application_status
enum<string>
required

Current status of the application

Available options:
pending,
submitted,
completed
Example:

"pending"

ā€‹
application_created_at
string<date-time>
required

When the application was created

Example:

"2024-01-15T10:30:00Z"

ā€‹
application_updated_at
string<date-time>
required

When the application was last updated

Example:

"2024-01-16T14:45:00Z"

ā€‹
entities
object
required

The people/businesses being onboarded

ā€‹
validation
object
required

Validation state computed at retrieval time

ā€‹
application_submitted_at
string<date-time> | null

When the application was submitted (null if not yet submitted)

Example:

"2024-01-17T16:00:00Z"

ā€‹
application_decision
enum<string> | null

Decision outcome for the application (only present after decision is made). Note: auto_declined is mapped to declined in the API response.

Available options:
approved,
declined,
withdrawn
Example:

"approved"

ā€‹
edd
object

Enhanced Due Diligence data (if provided)

ā€‹
attestations
object

Attestations submitted for this application

ā€‹
risk_rating
object

Risk rating (only present for superadmin users)

ā€‹
is_client_application
boolean

Indicates if this application is for client onboarding (vs customer onboarding)

Example:

false