> ## 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. # What this application still needs to accept, and who may accept it > Returns exactly what the accept-agreements page renders: the agreements this application still owes, and the people permitted to accept them. This exists so that page does not need `GET /applications/{application_id}?include=all`. That response carries the full KYB record — the business entity, and every associated individual's date of birth, nationality and email address — none of which this page displays. The link that reaches this endpoint is emailed and travels in a URL query string, so the credential it carries is scoped to this endpoint and the attestation submission, and cannot read the application. **Authentication:** Accepts Application Token (X-Application-Token header), including the narrow legal-acceptance token issued by a terms refusal. ## OpenAPI ````yaml /openapi.yaml get /applications/{application_id}/legal-acceptance 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/{application_id}/legal-acceptance: get: tags: - Onboarding summary: What this application still needs to accept, and who may accept it description: > Returns exactly what the accept-agreements page renders: the agreements this application still owes, and the people permitted to accept them. This exists so that page does not need `GET /applications/{application_id}?include=all`. That response carries the full KYB record — the business entity, and every associated individual's date of birth, nationality and email address — none of which this page displays. The link that reaches this endpoint is emailed and travels in a URL query string, so the credential it carries is scoped to this endpoint and the attestation submission, and cannot read the application. **Authentication:** Accepts Application Token (X-Application-Token header), including the narrow legal-acceptance token issued by a terms refusal. operationId: getLegalAcceptanceContext parameters: - name: application_id in: path required: true description: The unique identifier for the application schema: $ref: '#/components/schemas/KSUID' responses: '200': description: Outstanding agreements and permitted attestors content: application/json: schema: $ref: '#/components/schemas/LegalAcceptanceContext' example: application_type: business outstanding_documents: - key: dakota_tos title: Dakota Terms of Service version: 2026-09 revision: 4 accepted_agreements: - attestation_type: terms_of_service version: 2026-02 - attestation_type: e_sign version: 2025-11 attestors: - id: 3H96fIU3lr1KQwe5cXmgD5x6kHy name: Ada Lovelace '403': description: Invalid or expired token, or a token not scoped to this action content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' '404': description: Application not found content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' security: - ApplicationTokenAuth: [] components: schemas: KSUID: type: string title: KSUID description: >- KSUID is a 27-character globally unique ID that combines a timestamp with a random component. Used for all entity identifiers in the Dakota platform. pattern: ^[0-9A-Za-z]{27}$ minLength: 27 maxLength: 27 example: 1NFHrqBHb3cTfLVkFSGmHZqdDPi LegalAcceptanceContext: type: object description: > The minimum an acceptance page needs: what is still owed, and who may sign it. Deliberately NOT the application — see the endpoint description. required: - application_type - outstanding_documents - attestors properties: application_type: type: string enum: - business - individual description: | Decides whether a signer is chosen or stated. A business may have several control persons; an individual application has exactly one permissible attestor, so asking them to pick themselves from a list of one is a step with no purpose. outstanding_documents: type: array description: | Agreements this application has not accepted at the revision now in force. Identity only — no document text. The bodies are served by `GET /legal/documents/{document_key}`, which is cacheable and shared with the published pages, and are ~120KB of markdown that would otherwise ride this response. items: $ref: '#/components/schemas/OutstandingLegalDocument' outstanding_disclosures: type: array description: | Dakota-published terms a capability requires of this customer, that are still outstanding, and that have no onboarding attestation type - today the card terms: `cards_tos` (commercial, for a business) or `cards_consumer_tos` (consumer, for an individual). Which one a customer owes is decided by the capability, so read the key from here rather than assuming it. Accept each through SubmitAttestation with the `disclosure_id` and `disclosure_version` given here. Only terms that can be collected are listed: the revision is servable, or the deployment is sandbox. Empty when the customer's capabilities cannot be read. items: $ref: '#/components/schemas/PartnerAttestationRequirement' attestors: type: array description: | People permitted to record an acceptance for this application. For a business this is its control persons; the API enforces the same rule on submission, so offering anyone else would only produce a 400. items: $ref: '#/components/schemas/LegalAcceptanceAttestor' accepted_agreements: type: array description: > What is already on file, per attestation type. The page compares each against the revision now in force to decide whether an agreement is genuinely outstanding — having signed an OLDER revision is not the same as never having signed, and the two need different copy. Separate from `outstanding_documents`, which reports only documents never accepted at all. A customer on a superseded revision appears here and not there. items: $ref: '#/components/schemas/AcceptedAgreement' 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 OutstandingLegalDocument: type: object description: | A legal document the customer has never accepted. The revision named is the one currently in force. Fetch its text with `GET /legal/documents/{document_key}` — it is deliberately not inlined here, because these documents run to tens of kilobytes each and this field rides on every application read. required: - key - version - revision - title properties: key: type: string description: Stable identifier of the document example: dakota_tos version: type: string description: Version of the revision that needs accepting example: '2026-08-04' revision: type: integer description: Monotonic ordinal of the revision within this document example: 5 title: type: string description: Human-readable title example: Dakota Terms of Service attestation_type: $ref: '#/components/schemas/AttestationType' PartnerAttestationRequirement: type: object description: > A single outstanding partner disclosure the customer must accept online, keyed by an opaque terms key + version — never a partner identifier. Rendered in the hosted attestations UI; accepted via POST /applications/{id}/attestations with disclosure_id = key and disclosure_version = version. required: - disclosure_id - disclosure_version - title properties: disclosure_id: type: string description: >- The partner disclosure terms key to accept (the opaque join key the provider declared, e.g. partner_disclosures). Never a partner name. example: partner_disclosures disclosure_version: type: string description: >- The version of the disclosure being accepted. For a Dakota-published document it is the revision currently in force; for a partner's disclosure it is the version the partner declares. Pass back verbatim as disclosure_version. example: 2026-06 title: type: string description: Human-readable label for the disclosure to show the customer. example: Partner Disclosures url: type: string description: > Optional. Where the disclosure content / acceptance lives — the token-gated hosted onboarding URL for this application (a real redirect target). Absent when no usable link is resolvable. example: >- https://apply.dakota.xyz/applications/2hCjxJzUAW6JVRkZqaF9E0KpM3a/attestations text_published: type: boolean description: > Whether the revision `disclosure_version` names is published with text the customer can read. Present on the legal-acceptance context; when false the page shows a labelled notice instead of the text, which happens in sandbox only. Absent elsewhere. LegalAcceptanceAttestor: type: object required: - id - name properties: id: allOf: - $ref: '#/components/schemas/KSUID' description: | The applicant id to submit as `applicant_id`. This is the application-individual link, not the individual — the same value the attestation endpoint validates against. name: type: string description: | Display name: first, middle and last name on file, each trimmed and joined by single spaces, skipping any part that is absent or blank. NOTHING else about the person is returned: this page shows a name in a picker, and date of birth, nationality and email are exactly the fields the scoped credential exists to keep out of an emailed link. example: Ada Lovelace AcceptedAgreement: type: object required: - attestation_type properties: attestation_type: type: string description: The attestation type this acceptance was recorded under. example: terms_of_service version: type: string description: > The revision accepted. Empty for an acceptance predating the registry, whose revision is derived from its timestamp rather than stored. example: '2026-07-23' 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 AttestationType: type: string description: Type of attestation being submitted enum: - information_accuracy - terms_of_service - privacy_policy - funds_transfer_agreement - lead_bank_privacy_policy - e_sign example: information_accuracy 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. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.