> ## 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. # Update a destination's supported currencies > Replaces the list of currencies a saved bank destination is recorded as supporting. Only `assets` can be changed; every other field of a destination is fixed at creation. Dakota does not check this list when a payment is created, so a payment in a currency missing from it is not blocked; the dashboard warns instead. USD is always kept first when listed, because a provider that registers a single currency for the account uses the first one. Every code must be a registered currency. Currencies other than USD are accepted only on destinations that support SWIFT. ## OpenAPI ````yaml /openapi.yaml patch /recipients/{recipient_id}/destinations/{destination_id} 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: /recipients/{recipient_id}/destinations/{destination_id}: parameters: - name: recipient_id in: path required: true schema: $ref: '#/components/schemas/KSUID' - name: destination_id in: path required: true schema: $ref: '#/components/schemas/KSUID' patch: tags: - Recipients summary: Update a destination's supported currencies description: > Replaces the list of currencies a saved bank destination is recorded as supporting. Only `assets` can be changed; every other field of a destination is fixed at creation. Dakota does not check this list when a payment is created, so a payment in a currency missing from it is not blocked; the dashboard warns instead. USD is always kept first when listed, because a provider that registers a single currency for the account uses the first one. Every code must be a registered currency. Currencies other than USD are accepted only on destinations that support SWIFT. operationId: updateDestination requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/UpdateDestinationRequest' example: assets: - USD - EUR responses: '200': description: Destination updated successfully. content: application/json: schema: $ref: '#/components/schemas/DestinationResponseUnion' example: destination_type: fiat_iban destination_id: 2zQ5Xv1b8kYc3Hq9LrT7NwPdE4m recipient_id: 2zQ5Xv1b8kYc3Hq9LrT7NwPdE4n name: International Business Account iban: DE89370400440532013000 bic: DEUTDEFFXXX account_holder_name: John Doe bank_name: Deutsche Bank capabilities: - sepa - swift assets: - USD - EUR '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/recipients/example-id/destinations/example-id 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/recipients/example-id/destinations/example-id 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/recipients/example-id/destinations/example-id request_id: req_01hzy6y7v8w9x0y1z2a3b4c5d6 '404': description: Not found content: application/problem+json: schema: $ref: '#/components/schemas/ProblemDetails' example: type: https://docs.dakota.xyz/api-reference/errors#not-found title: Not found status: 404 detail: Not found instance: >- https://api.platform.dakota.xyz/recipients/example-id/destinations/example-id request_id: req_01hzy6y7v8w9x0y1z2a3b4c5d6 components: schemas: KSUID: type: string title: KSUID description: >- KSUID is a 27-character globally unique ID that combines a timestamp with a random component. Used for all entity identifiers in the Dakota platform. pattern: ^[0-9A-Za-z]{27}$ minLength: 27 maxLength: 27 example: 1NFHrqBHb3cTfLVkFSGmHZqdDPi UpdateDestinationRequest: type: object title: Update Destination Request description: Replaces a bank destination's supported currencies. required: - assets properties: assets: type: array description: >- The complete list of currencies the destination supports. It replaces the stored list. minItems: 1 items: type: string pattern: ^[A-Z]{3}$ example: - USD - EUR DestinationResponseUnion: title: Destination Response Union description: >- Union type for different destination responses with destination_type discriminator oneOf: - $ref: '#/components/schemas/CryptoDestinationResponse' - $ref: '#/components/schemas/FiatUSDestinationResponse' - $ref: '#/components/schemas/FiatIBANDestinationResponse' discriminator: propertyName: destination_type mapping: crypto: '#/components/schemas/CryptoDestinationResponse' fiat_us: '#/components/schemas/FiatUSDestinationResponse' fiat_iban: '#/components/schemas/FiatIBANDestinationResponse' 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. CryptoDestinationResponse: type: object title: Crypto Destination Response description: Response for a crypto destination. allOf: - $ref: '#/components/schemas/DestinationResponse' - type: object required: - name - crypto_address - family properties: destination_type: type: string enum: - crypto default: crypto name: type: string description: Name of the destination for reference example: My Ethereum Wallet crypto_address: type: string description: Wallet address for the crypto account. example: '0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48' family: $ref: '#/components/schemas/Family' network_id: $ref: '#/components/schemas/NetworkId' FiatUSDestinationResponse: type: object title: US Fiat Destination Response description: Response for a US fiat destination. allOf: - $ref: '#/components/schemas/DestinationResponse' - type: object required: - account_holder_name - bank_name - bank_address - capabilities - aba_routing_number - account_number - account_type properties: destination_type: type: string enum: - fiat_us default: fiat_us name: type: string description: Name of the destination for reference example: Primary US Bank Account aba_routing_number: type: string description: ABA routing number for ACH transfers. example: '021000021' aba_wire_routing_number: type: string description: ABA routing number for wire transfers (optional). nullable: true example: '021000021' account_number: type: string description: Account number for the US bank account. example: '123456789' account_type: type: string description: Type of bank account. enum: - checking - savings example: checking account_holder_name: type: string description: Name of the account holder. example: John Doe account_holder_address: $ref: '#/components/schemas/Address' account_holder_phone: type: string description: Phone number of the account holder. example: '1234567890' bank_name: type: string description: Name of the bank. example: Bank of America bank_address: $ref: '#/components/schemas/Address' bank_phone: type: string description: Phone number of the bank. example: '1234567890' capabilities: $ref: '#/components/schemas/Capabilities' recipient_id: allOf: - $ref: '#/components/schemas/KSUID' description: The recipient that owns this destination. assets: type: array description: >- Currencies this destination is recorded as supporting, as three-letter ISO codes. Not checked when a payment is created. USD is listed first when present. items: type: string pattern: ^[A-Z]{3}$ example: - USD - EUR FiatIBANDestinationResponse: type: object title: IBAN Fiat Destination Response description: >- Response for an IBAN bank account destination (for SWIFT and SWIFT transfers). allOf: - $ref: '#/components/schemas/DestinationResponse' - type: object required: - iban - account_holder_name - capabilities properties: destination_type: type: string enum: - fiat_iban default: fiat_iban name: type: string description: Name of the destination for reference example: International Business Account iban: type: string description: IBAN (International Bank Account Number) for the account. example: DE89370400440532013000 bic: type: string description: >- BIC/SWIFT code for the international bank account (optional for required for SWIFT). example: DEUTDEFFXXX intermediary_bic: type: string description: >- BIC of the correspondent bank that carries the payment between Dakota's bank and `bic`. Leave it unset for destinations the sending bank can route on its own, which is nearly all of them. Use the BIC from the recipient's USD wire instructions. The intermediary must meet the requirements of the selected payment route. Some routes require a U.S. bank BIC (US in characters 5-6). Apart from its currencies (see updateDestination), a destination cannot be changed after it is created, so a destination that needs one is replaced, not edited. example: CHASUS33 account_holder_name: type: string description: Name of the account holder. example: John Doe account_holder_address: $ref: '#/components/schemas/Address' account_holder_phone: type: string description: Phone number of the account holder. example: '1234567890' bank_name: type: string description: Name of the bank. example: Deutsche Bank bank_address: $ref: '#/components/schemas/Address' capabilities: $ref: '#/components/schemas/Capabilities' recipient_id: allOf: - $ref: '#/components/schemas/KSUID' description: The recipient that owns this destination. assets: type: array description: >- Currencies this destination is recorded as supporting, as three-letter ISO codes. Not checked when a payment is created. USD is listed first when present. items: type: string pattern: ^[A-Z]{3}$ example: - USD - EUR 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 DestinationResponse: type: object title: Destination Response description: >- Base schema for destination responses with a discriminator based on destination type. required: - destination_id - destination_type properties: destination_id: $ref: '#/components/schemas/KSUID' destination_type: type: string description: The type of destination. enum: - crypto - fiat_us - fiat_iban discriminator: propertyName: destination_type mapping: crypto: '#/components/schemas/CryptoDestinationResponse' fiat_us: '#/components/schemas/FiatUSDestinationResponse' fiat_iban: '#/components/schemas/FiatIBANDestinationResponse' Family: type: string title: Family description: Blockchain family for the crypto account. enum: - evm - solana example: evm NetworkId: type: string description: Identifier for a blockchain network example: ethereum-mainnet enum: - ethereum-mainnet - ethereum-sepolia - ethereum-goerli - ethereum-holesky - solana-mainnet - solana-devnet - solana-testnet - base-mainnet - base-sepolia - arbitrum-mainnet - arbitrum-sepolia - optimism-mainnet - optimism-sepolia - polygon-mainnet - polygon-amoy minLength: 1 maxLength: 30 Address: type: object title: Address description: >- Standardized physical address format used throughout the Dakota platform for user and entity addresses. required: - street1 - city - country properties: street1: type: string description: Primary street address line example: 123 Main St street2: type: string description: >- Secondary address information such as apartment, suite, or unit number example: Apt 4B street3: type: string description: Additional address information like building name or floor example: Building C city: type: string description: City or locality name example: San Francisco region: type: string description: > State, province or region. Send the subdivision part of its ISO 3166-2 code, the characters after the country prefix, rather than the full name: for example `CA` for California (`US-CA`) or `ON` for Ontario (`CA-ON`). The onboarding endpoints (business details and individuals on an application) require a region for a US address and accept only a two-letter US state or territory code there, rejecting a full name such as `California`. example: CA postal_code: type: string description: Postal or ZIP code example: '94105' country: type: string description: ISO 3166-1 alpha-2 country code (two-letter country code) example: US minLength: 2 maxLength: 2 Capabilities: type: array title: Capabilities description: |- List of payment capabilities supported by a rail. Multiple values may be supplied; the list is not limited to one entry. Which values are valid depends on the resource: on-ramp accounts accept any rail and expand `us_bank_account` to `ach` and `fedwire`; IBAN destinations accept `swift` and `sepa` only. items: $ref: '#/components/schemas/PaymentCapability' minItems: 1 example: - ach - fedwire PaymentCapability: type: string title: Payment Capability description: >- Type of payment rail capability supported. For onramp accounts, `us_bank_account` indicates the account accepts ACH, Wire (Fedwire), and FedNow deposits interchangeably. `fednow` is the FedNow instant US-domestic USD rail for payouts and deposits — $500k per-transaction cap on payouts; a payout destination whose bank cannot receive FedNow is rejected at account creation with problem type `https://docs.dakota.xyz/api-reference/errors#fednow-destination-unreachable` — route that destination over `ach` instead. `swift` is the international USD wire rail: gated on the customer's `international_wire` capability, USD only, payouts target `fiat_iban` destinations, and deposit instructions carry the BIC and the beneficiary address. Intermediary banks may deduct fees en route, so the amount received can be lower than the amount sent. `sepa` is not currently offered. enum: - ach - fedwire - swift - us_bank_account - fednow example: ach 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.