Defacto Onboarding API

openapi: 3.2.0
info:
  title: Defacto Accounting Onboarding API
  version: v1.0.0
  description: Defacto provides instant, embedded financing for SMBs across Europe. This REST API lets partners onboard borrowers, test eligibility and credit limits, upload business/bank data, create invoices, request and manage loans, handle repayments and recollection, issue and manage credit cards, bill fees, and subscribe to webhooks. Reconstructed by API Evangelist from the per-operation OpenAPI fragments published on Defacto's ReadMe developer portal (developers.getdefacto.com/llms.txt). operationId values are the provider's ReadMe reference slugs; summaries are the reference page titles.
  contact:
    email: contact@getdefacto.com
    url: https://developers.getdefacto.com/
servers:
- url: https://api.getdefacto.com
  description: Production
- url: https://api-sandbox.getdefacto.com
  description: Sandbox
security:
- Bearer: []
tags:
- name: Onboarding
paths:
  /borrower/{borrower_id}/repayment-methods:
    get:
      description: '

        <div>

        <h3>List available repayment methods for borrower.</h3>

        </div>

        '
      parameters:
      - in: path
        name: borrower_id
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/TypedApiPage13'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: get_borrower-borrower-id-repayment-methods
      summary: /borrower/{borrower_id}/repayment-methods
    post:
      description: '

        <div>

        <h3>Add and/or choose the repayment method for borrower.</h3>


        <p>If payment method is "DIRECT_DEBIT" then the `account` parameter must not be null.</p>


        <p>

        If `is_default_repayment_method` is true, then the repayment method becomes the borrower''s default

        repayment method so that upcmoing loan requests will use this payment method and account as a default.

        <br/>

        <br/>

        <i>

        Please note: that the account defined in the `loan_to` attribute of created loans is left

        unchanged. If you want to change the destination account of a loan, you must cancel it and

        request a new loan.

        </i>

        </p>

        <p>

        If `apply_to_all_active_loans` is true, then the repayment method is used for upcoming payments of

        all loans that are in TO_REPAY or TO_REPAY_FEES statuses.

        </p>

        </div>

        '
      parameters:
      - in: path
        name: borrower_id
        required: true
        schema:
          type: string
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ApiPostRepaymentMethod'
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIRepaymentMethodDetails'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: post_borrower-borrower-id-repayment-methods
      summary: /borrower/{borrower_id}/repayment-methods
  /borrower/{borrower_id}:
    get:
      description: Retrieve the full profile of a borrower by ID. Returns the borrower's status, business information, accounts, compliance checks, and next actions required.
      parameters:
      - in: path
        name: borrower_id
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIBorrower'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: get_borrower-borrower-id
      summary: /borrower/{borrower_id}
  /borrowers:
    get:
      description: List all borrowers enrolled on Defacto for your account. Borrowers are companies that have been registered and can request loans through the Defacto platform. Returns a paginated list with their status, business info, accounts, and compliance data.
      parameters:
      - description: UUID(s) of the borrower(s) in Defacto API.
        in: query
        name: borrower_id
        required: false
        explode: true
        schema:
          type: array
          items:
            format: uuid
            type: string
      - description: Legal identifier of the business, such as its SIREN in France.
        in: query
        name: borrower_identifier
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - description: Pagination cursor from the previous response's next_page field. Omit to get the first page.
        in: query
        name: cursor
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - description: Filter borrowers who signed their contract on or after this datetime.
        in: query
        name: from_signed_at
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      - description: Maximum number of items to return per page.
        in: query
        name: page_size
        required: false
        schema:
          type: integer
          default: 100
      - description: Filter borrowers who signed their contract on or before this datetime.
        in: query
        name: to_signed_at
        required: false
        x-nullable: true
        schema:
          type: string
          format: date-time
          default: null
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/TypedApiPage12'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: get_borrowers
      summary: /borrowers
    post:
      description: "\n<div>\n<h3>Enroll a new borrower on Defacto.</h3>\n<p>\nThis API will create a borrower and a credit line for this borrower. More information\nin the <b>behavior</b> section below.\n</p>\n<p>\n<strong>Timeout:</strong> 30 seconds (status code will be 504 in such a case)\n</p>\n<br/>\n<h4>Required data</h4>\n<p>\nBorrower must be a commercial company -> eg. in France needs to be registered at an RCS.\n</p>\n<p>\n<b>If the borrower repays by direct debit, the following information are mandatory:</b>\n</p>\n<ul>\n<li> the director’s personal information: Name, birth date, nationality, email address and country of\nresidence of the managing director</li>\n<li>The IBAN of the borrower (please make sure that the borrower is aware\nthat direct debit is used as the repayment method).</li>\n</ul>\n<p>\nWe strongly recommend that you fill up all the information when you can, even on the sandbox.\nFor French borrowers, we manage to pull most of the director information automatically,\nhowever for other countries, this might not be the case.\nFor the borrowers that Defacto is not able to fetch the mandatory data, you need to provide them\nto ensure borrower creation. Otherwise the API will return a 400 error and list the values that it could\nnot obtain.\n</p>\n<h4>Behavior</h4>\n<p>\nThis API endpoint creates a borrower in our system,\nconfigures our system to get the repayment of the loan,\nevaluates the maximum amount of money we can lend to this company and creates a credit line for this\nborrower.\nAfter the credit line is created for this borrower, you can get it with\n<code>GET /credit-lines?borrower=<THE_COMPANY_NUMBER_OF_THE_BORROWER></code>. <br/>\n<b>Synchronous and asynchronous behaviors are offered.</b> </br>\n</p>\n<p>Synchronous behavior:</br></p>\n<ul>\n<li>Set <code>'wait_for_ready': true</code> to activate it</li>\n<li>\n<b>You can <code>GET /credit-lines?borrower=<THE_COMPANY_NUMBER_OF_THE_BORROWER></code>\nand request a loan right after you received the answer from this API endpoint</b>\n</li>\n<li>Response takes from 4 to 8 seconds</li>\n<li>\nThe API answers after the solvency of the company is evaluated and the credit line is created,\nor returns an error.\n</li>\n</ul>\n<br/>\n<p>Asynchronous behavior (default one):</p>\n<ul>\n<li>Set <code>'wait_for_ready': false</code> to activate it</li>\n</li>\n<li>\nOur system will evaluate the solvency of the company and create its credit line after answering\nthe API call.\n<li>\nSo, a loan cannot be requested right after this endpoint answers. You must wait for the creation\nof the credit line. To discover it, you can either subscribe to the CreditLine.CREATED webhook or\nregularly fetch <code>GET /credit-lines?borrower=<THE_COMPANY_NUMBER_OF_THE_BORROWER></code>.\n</li>\n   <li>Response takes between 0.3 and 1.5 second.</li>\n</ul>\n<blockquote class=\"callout callout_warn\" theme=\"\U0001F6A7\">\n<h3 class=\"callout-heading\">\n<span class=\"callout-icon\">\U0001F6A7</span>\n<p>Careful if you subscribe to the CreditLine.CREATED webhook!</p>\n</h3>\n<p>\nIf you subscribe to the webhook, please note that there is an inconsistency in the API at the\nmoment. The webhook sends a <code>borrower_id</code> that does not correspond to the borrower id that\nyou received with this endpoint (it's rather a business_id in our DB, that you cannot fetch).\n</p>\n<p>\nSo at the moment we recommend you to\n<code>GET /credit-lines?borrower=<THE_COMPANY_NUMBER_OF_THE_BORROWER></code> for all borrowers waiting\nfor a credit line when you receive the webhook event.\n</p>\n</blockquote>\n</div>\n"
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APIPostBorrower'
      responses:
        '201':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIBorrower'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: post_borrowers
      summary: /borrowers
  /business/public-data:
    get:
      description: Search for borrower business information from various sources. This endpoint lets you find the right business identifier to use when onboarding a borrower or counterparty.
      parameters:
      - in: query
        name: city
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - in: query
        name: country
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - in: query
        name: identifier
        required: true
        schema:
          type: string
      - in: query
        name: identifier_type
        required: false
        schema:
          type: string
          enum:
          - hr_nummer
          default: hr_nummer
      - in: query
        name: name
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - in: query
        name: postal_code
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      - in: query
        name: street
        required: false
        x-nullable: true
        schema:
          type: string
          default: null
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                items:
                  $ref: '#/components/schemas/ApiBusinessDataSearchOutput'
                type: array
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: get_business-public-data
      summary: /business/public-data
  /onboarding/{onboarding_id}:
    get:
      description: '

        ## [Partners] Follow the onboarding of a business


        If you haven''t visited the guide: [how to make your first loan?](https://developers.getdefacto.com/reference/make-your-first-loan) we recommend you to visit it first.


        When your borrower is on our web app, sharing his financial data, you might want to keep track of his onboarding.

        This endpoints will let you get access to the onboarding status and details.

        You''ll be able to know if the borrower has shared his financial data and is ready to request loans;

        how much does defacto proposes to lend him; and more.

        '
      parameters:
      - in: path
        name: onboarding_id
        required: true
        schema:
          type: string
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIOnboarding'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: get_onboarding-onboarding-id
      summary: /onboarding/{onboarding_id}
  /borrower/{borrower_id}/deactivate:
    post:
      parameters:
      - in: path
        name: borrower_id
        required: true
        schema:
          type: string
      responses:
        '204':
          description: ''
          content:
            '*/*':
              schema: {}
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: post_borrower-borrower-id-deactivate
      summary: /borrower/{borrower_id}/deactivate
  /borrower/{borrower_id}/owner:
    post:
      description: Create a borrower owner with identity documents
      parameters:
      - in: path
        name: borrower_id
        required: true
        schema:
          type: string
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APICreateOwner'
      responses:
        '201':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIOwnerCreatedResponse'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: post_borrower-borrower-id-owner
      summary: /borrower/{borrower_id}/owner
  /borrower/{borrower_id}/sign:
    post:
      description: Register the date a new borrower accepted our T&Cs
      parameters:
      - in: path
        name: borrower_id
        required: true
        schema:
          type: string
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SignedInput'
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIBorrower'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: post_borrower-borrower-id-sign
      summary: /borrower/{borrower_id}/sign
  /onboardings:
    post:
      description: "\n## [Partners] Start onboarding a new business\n\nIf you haven't visited the guide: [how to make your first loan?](https://developers.getdefacto.com/reference/make-your-first-loan) we recommend you to visit it first.\n\n**Timeout after**: 30 seconds (status code will be 504 in such a case)\n\nIn order to request loans you will need to have borrowers. In order to test borrower's eligibility, we'll need\nto have access to borrower business' financial data.\n\nThis can be achieved in two ways:\nEither you have this piece of information and you may use the\n[sharing business data](https://developers.getdefacto.com/reference/post_business-data-account-transactions)\nAPI documentation to do so, or you might want to rely on defacto's onboarding process to get this information.\n\nIn the later, you will need to create an onboarding for the business you want to request loans for.\n\n### Behavior\nWhen you send this API request providing business information, your referral and callback url:\nThe system will start an onboarding for you and you will get its id in the response.\n\nThen you must redirect the borrower to the onboarding tunnel so that he can select his financial\ntools and share as much data as he wants to max-out his eligible amount:\n\n- **In the normal case**, redirect him to\n  `https://app.getdefacto.com/onboarding/continue/{onboarding_id}`.\n- **When the response contains a `secure_resume_link`**, redirect him to that link *instead* of the\n  bare continue URL above. This happens when the business already has a bank-connected onboarding:\n  to avoid exposing another party's financial data, that tunnel is gated and can only be reopened by\n  a link carrying a short-lived secure token. The `secure_resume_link` is exactly that\n  pre-authenticated continue URL. It is valid for **2 hours** — if it expires, POST /onboarding again\n  to obtain a fresh one.\n\nOnce borrower has accepted defacto's T&Cs and created his account, he'll be redirected back to the redirect_url\nyou provided and if you subscribed to `CREDIT_LINE.Created` webhook you will receive it shortly.\nRead [webhook](https://developers.getdefacto.com/reference/webhooks-at-defacto) for details.\n\n### Frequently Asked Questions\n\n**How do I get onboarding results?**\nYou can use the GET /onboarding/{onboarding_id} endpoint to retrieve the onboarding results.\n\n**What should I do if the status of the onboarding is expired?**\nOnboardings last for 168 hours;\nafter what you'll have to repeat the POST /onboarding request you just made.\n\n**How do I get the borrower's ID once onboarding is `COMPLETED`?**\nYou can use the GET /onboarding/{onboarding_id} endpoint to retrieve the borrower's ID under the `borrower_id`\nattribute; or you can GET /borrowers/?identifier={business_identifier} to directly get the borrower object.\n"
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/APIOnboardingCreationRequest'
      responses:
        '200':
          description: ''
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/APIOnboarding'
      security:
      - Bearer: []
      tags:
      - Onboarding
      operationId: post_onboardings
      summary: /onboardings
components:
  schemas:
    BorrowerComplianceChecks:
      properties:
        status:
          enum:
          - APPROVED
          - PENDING_USER_ACTION
          - REJECTED
          - REVIEWING
          - UNKNOWN
          type: string
      required:
      - status
      type: object
    APIEligibilityResponse:
      properties:
        fees_daily_rate:
          default: null
          description: Daily interests rate in percent of owed amount.
          type:
          - number
          - 'null'
        is_eligible:
          description: Say if the eligibility check accepted the request or not.
          type: boolean
        max_amount:
          default: 0
          description: Maximum amount that can be lent, in cents.
          type: integer
        pricing_details:
          allOf:
          - $ref: '#/components/schemas/APIPricingDetails'
          default: null
          description: Details on proposed pricing.
        reasons:
          default: null
          description: 'Reasons explaining why the request was rejected. If several reasons lead to a denial, the field will contain multiple objects. Empty when is_eligible: true.'
          items:
            $ref: '#/components/schemas/EligibilityDenialReason'
          type:
          - array
          - 'null'
      required:
      - is_eligible
      type: object
    APIBorrower:
      properties:
        accounts:
          description: Bank accounts of the business.
          items:
            $ref: '#/components/schemas/APILightAccount'
          type: array
        active_enrollments:
          items:
            $ref: '#/components/schemas/APIEnrollment'
          type: array
        address:
          allOf:
          - $ref: '#/components/schemas/Address'
          default: null
        can_reonboard:
          default: false
          type:
          - boolean
          - 'null'
        compliance_checks:
          allOf:
          - $ref: '#/components/schemas/BorrowerComplianceChecks'
          default: null
          description: '[deprecated] Compliance checks state of the borrower. Tells about KYB and KYC procedure progression.'
        contract_id:
          default: null
          format: uuid
          type:
          - string
          - 'null'
        contract_s3_url:
          default: null
          description: Pre-signed url to download the contract
          type:
          - string
          - 'null'
        directors:
          default: null
          description: Directors of the business.
          items:
            $ref: '#/components/schemas/APIDirector'
          minItems: 1
          type:
          - array
          - 'null'
        id:
          default: null
          format: uuid
          type:
          - string
          - 'null'
        identifier:
          description: Legal identifier of the business, such as its SIRET or SIREN in France. Must not contain spaces.
          type: string
        identifier_type:
          default: null
          description: Type of legal business identifier of the business, such as the SIRET in France.
          enum:
          - belgium_registration_number
          - bsn
          - cif
          - hr_nummer
          - kvk
          - name
          - nif
          - siren
          - siret
          - steuernummer
          - vat_number
          - null
          type:
          - string
          - 'null'
        legal_form:
          default: null
          description: Legal form of the business.
          type:
          - string
          - 'null'
        metadata:
          additionalProperties: {}
          default: null
          description: This object is yours, it enables you to add custom data.
          type:
          - object
          - 'null'
        name:
          default: null
          description: Legal name of the business.
          type:
          - string
          - 'null'
        next_actions:
          default: null
          items:
            enum:
            - FILL_KYB_CASE
            type: string
          type:
          - array
          - 'null'
        owner:
          allOf:
          - $ref: '#/components/schemas/BorrowerOwner'
          default: null
        signed_at:
          default: null
          description: datetime of the borrower's signature. Usually time the borrower clicked on our T&Cs checkbox
          format: date-time
          type:
          - string
          - 'null'
        status:
          default: null
          enum:
          - ALL_PAYMENT_SETUP
          - BLOCKED
          - DEACTIVATED
          - PROHIBITED
          - READY
          - SDD_SETUP
          - SIGNED
          - TO_SIGN
          - null
          type:
          - string
          - 'null'
        status_reason:
          default: null
          enum:
          - ACTIVITY_DOCUMENTS_REQUIRED
          - ACTIVITY_NOT_ELIGIBLE_BORROWER
          - ALREADY_USING_FACTORING_OR_DAILLY
          - AMOUNT_SUPERIOR_TO_AVAILABLE_BALANCE
          - AVERAGE_INVOICE_SIZE_TOO_HIGH
          - BLACKLISTED_FACTORED_COUNTERPARTY
          - BORROWER_AND_COUNTERPARTY_HAVE_COMMON_DIRECTOR
          - BORROWER_CHURNED
          - BORROWER_DEFAULTED
          - BORROWER_STATUS
          - BORROWER_TO_SIGN
          - BUSINESS_AGE_BELOW_THRESHOLD
          - BUSINESS_AML_EXTREME_RISK
          - BUSINESS_COMPLIANCE_ISSUE_DETECTED
          - BUSINESS_HARD_COLLECTION
          - BUSINESS_HAS_NO_PROFESSIONAL_EMAIL
          - BUSINESS_INSOLVENCY_PROCEDURE_EXISTS
          - BUSINESS_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS
          - BUSINESS_LEGAL_FORM_NOT_ELIGIBLE
          - BUSINESS_MISSING_INFORMATION
          - BUSINESS_NOT_DIFFUSIBLE
          - BUSINESS_NOT_REGISTERED
          - BUSINESS_NOT_REGISTERED_TO_RCS
          - BUSINESS_NOT_REGISTERED_TO_RCS_OR_RNE
          - BUSINESS_RADIATED
          - BUSINESS_REGION_NOT_COVERED
          - BUSINESS_UNKNOWN
          - BUSINESS_UNKNOWN_BUYER
          - BUSINESS_UNKNOWN_SELLER
          - CAPPING_EXCEEDED
          - CASHED_IN_NOT_REPAID
          - CCSF_TRANSACTION_DETECTED
          - CCSF_TRANSACTION_PENDING_DATA_REQUEST
          - CCSF_TRANSACTION_WAITING_END_INSTALLMENT_PLAN
          - COUNTERPARTY_DATA_MISSING
          - COUNTERPARTY_INSOLVENCY_PROCEDURE_EXISTS
          - COUNTERPARTY_INSOLVENCY_PROCEDURE_UNKNOWN_STATUS
          - COUNTERPARTY_KPI_MISSING
          - COUNTERPARTY_NOT_REGISTERED
          - COUNTERPARTY_NOT_SELECTED_FOR_FINANCING
          - COUNTRY_CAPPING_EXCEEDED
          - COUNTRY_NOT_ELIGIBLE_BORROWER
          - COUNTRY_NOT_ELIGIBLE_COUNTERPARTY
          - CREDIT_RISK_NOT_ELIGIBLE
          - CREDIT_RISK_NOT_ELIGIBLE_COUNTERPARTY
          - DATA_STILL_REFRESHING
          - DEBT_ARREARS_PENDING_GRACE_PERIOD
          - DEPRECATED_LATE_REPAYMENT
          - DOES_NOT_MATCH_ELIGIBILITY_CRITERIA
          - DOUBLE_MOBILIZATION
          - DPD_15_LATE_REPAYMENT_BORROWER
          - DPD_15_LATE_REPAYMENT_BUYER
          - DPD_15_LATE_REPAYMENT_SELLER
          - ELLISPHERE_RISK_INDEX
          - EXCEEDED_PARTNER_CREDIT_LINE
          - EXCESSIVE_AMOUNT_LOAN_REQUEST
          - EXCESSIVE_DURATION_LOAN_REQUEST
          - EXPOSURE_TOO_OLD
          - FILL_INVOICE_BUYER_INFORMATION
          - FILL_INVOICE_SELLER_INFORMATION
          - FINANCIAL_PRODUCT_DEACTIVATED
          - FINANCIAL_PRODUCT_NOT_IN_RELEASE
          - FINANCIAL_STATEMENT_BAD_KPI
          - FINANCIAL_STATEMENT_PARSING_ISSUE
          - HIGH_BUSINESS_RISK_INDEX
          - HIGH_LOAN_DEFAULT_INDEX
          - HIGH_LYSTA_RISK_INDEX
          - INDUSTRY_CODE_NOT_ELIGIBLE_BORROWER
          - INDUSTRY_CODE_NOT_ELIGIBLE_COUNTERPARTY
          - INSOLVENCY_EARLY_SIGNAL_DETECTED
          - INSOLVENCY_PROCEDURE_EXISTS_BORROWER
          - INSOLVENCY_PROCEDURE_EXISTS_BUYER
          - INSOLVENCY_PROCEDURE_EXISTS_SELLER
          - INSTALLMENT_PLAN_DETECTED_FOR_TAX
          - INSTALLMENT_PLAN_DETECTED_FOR_URSSAF
          - INSURANCE_QUOTE_EXPIRED
          - INVOICE_ALREADY_FINANCED
          - INVOICE_AUTO_LIQUIDATION
          - INVOICE_BLACKLIST_WORDS
          - INVOICE_COMPLIANCE_ISSUE_DETECTED
          - INVOICE_DOES_NOT_MATCH_ELIGIBILITY_CRITERIA
          - INVOICE_LME_NON_COMPLIANT
          - INVOICE_MISSING_ACCOUNT_NUMBER
          - INVOICE_MISSING_LEGAL_MENTION
          - INVOICE_MULTIPLE_STAGE
          - INVOICE_NON_ELIGIBLE_USE_CASE
          - INVOICE_NOT_ELIGIBLE_TO_CREDIT_INSURANCE
          - INVOICE_NOT_ISSUED_YET
          - INVOICE_NOT_RELATED_TO_WCR
          - INVOICE_OVERDUE
          - INVOICE_PAYABLE_BORROWER_IS_ACCOUNT_HOLDER
          - INVOICE_RECEIVABLE_ACCOUNT_MISSING_LIVE_CONNECTION
          - INVOICE_RECEIVABLE_ACCOUNT_MISSING_MANDATE
          - INVOICE_RECEIVABLE_BORROWER_IS_NOT_ACCOUNT_HOLDER
          - INVOICE_REPAYMENT_DATE_TOO_FAR_60D
          - KPI_MISSING
          - KPI_SCREENING_NOT_ELIGIBLE_BORROWER
          - KYB_PENDING
          - KYB_PENDING_USER_ACTION
          - KYC_PENDING
          - KYC_PENDING_USER_ACTION
          - LATE_REPAYMENT_BORROWER
          - LEGAL_FORM_NOT_ELIGIBLE_BORROWER
          - LEGAL_FORM_NOT_ELIGIBLE_BUYER
          - LEGAL_FORM_NOT_ELIGIBLE_COUNTERPARTY
          - LINKED_BUSINESS_IS_BLOCKED
          - LOAN_REQUEST_EXPIRED
          - LOW_CASH_BALANCE
          - LOW_FREE_CASH_FLOW
          - MAX_AMOUNT_EXCEEDED
          - MAX_AMOUNT_EXCEEDED_BORROWER
          - MAX_AMOUNT_EXCEEDED_BUYER
          - MAX_AMOUNT_EXCEEDED_SELLER
          - MISSING_COUNTERPARTY_CONTACT_INFORMATION
          - MISSING_PUBLIC_PROCUREMENT_DOCUMENT
          - NEED_BANKING_INTEGRATION
          - NOT_AN_INVOICE
          - NOT_DIFFUSIBLE_BUYER
          - NOT_DIFFUSIBLE_SELLER
          - NOT_ENOUGH_DATA
          - NOT_PRE_ELIGIBLE_SPV
          - NOT_REGISTERED_BUYER
          - NOT_REGISTERED_SELLER
          - NO_TAX_PAYMENT_FOUND
          - NO_URSSAF_PAYMENTS_FOUND
          - NO_URSSAF_PAYMENT_FOUND
          - OFFBOARDED
          - ORANGE_FLAG_TRANSACTIONS
          - OTHER_BUSINESS_FROM_DIRECTOR_HAS_INSOLVENCY_PROCEDURE
          - OUTDATED_DATA
          - OUTDATED_INVOICE
          - OUTDATED_INVOICE_2WEEKS
          - OUTDATED_INVOICE_3WEEKS
          - OVERDRAFT_REQUIRED
          - PLEASE_RECONNECT_BANK_ACCOUNTS
          - POSTAL_CODE_NOT_ELIGIBLE_BORROWER
          - POSTAL_CODE_NOT_ELIGIBLE_COUNTERPARTY
          - PROACTIVE_RECOLLECTION
          - PRUDENTIAL_EXPOSURE_EXCEEDED
          - QONTO_INTEGRATION_GERMAN_USER_DOES_NOT_HAVE_4_MONTHS_OF_HISTORY
          - QONTO_INTEGRATION_USER_DOES_NOT_HAVE_6_MONTHS_OF_HISTORY
          - QONTO_INTEGRATION_USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE
          - RECENT_DEBT_ARREARS_KO
          - RECENT_DEBT_ARREARS_PENDING_DATA_REQUEST
          - RECENT_REVENUE_DROP
          - RECENT_SEIZURE_DETECTED
          - RECENT_TAX_ARREARS_PENDING_DATA_REQUEST
          - RECENT_UNPAID_PRIVILEGED_TRANSACTIONS
          - RECENT_UNPAID_PRIVILEGED_TRANSACTIONS_PENDING_DATA_REQUEST
          - RECENT_URSSAF_ARREARS_PENDING_DATA_REQUEST
          - RED_FLAG_TRANSACTIONS
          - RELATED_COUNTERPARTY_HAS_FLAG
          - RELATED_COUNTERPARTY_IS_LATE
          - REMOVED_FROM_COMMERCIAL_REGISTER_BORROWER
          - REMOVED_FROM_COMMERCIAL_REGISTER_BUSINESS
          - REMOVED_FROM_COMMERCIAL_REGISTER_BUYER
          - REMOVED_FROM_COMMERCIAL_REGISTER_SELLER
          - REPAYMENT_CONCENTRATION_IS_TOO_HIGH
          - REQUIRED_FINANCIAL_STATEMENT
          - RISK_SCORE_DOWNGRADING
          - SMALL_RECURRING_AMOUNT_DETECTED_FOR_URSSAF
          - TOO_LONG
          - UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT
          - UNAUTHORIZED_LOAN_PAYMENT_ACCOUNT_BANK_IDENTIFIER
          - UNAUTHORIZED_LOAN_PAYMENT_BENEFICIARY
          - URSSAF_PAYMENTS_STOPPED
          - USER_DOES_NOT_MEET_MINIMUM_MAX_AMOUNT_SIZE
          - USER_DOES_NOT_MEET_MINIMUM_REQUIREMENT_FOR_CREDIT_LINE
          - WAITING_FOR_THIRD_PARTY_PROVIDER
          - WAIT_FOR_REPAYMENT
          - null
          type:
          - string
          - 'null'
        vat_number:
          default: null
          description: VatNumber
          type:
          - string
          - 'null'
      required:
      - identifier
      type: object
    BorrowerOwner:
      properties:
        email:
          format: email
          type: string
        id:
          format: uuid
          type: string
        phone_number:
          default: null
          description: PhoneNumber
          type:
          - string
          - 'null'
      required:
      - email
      - id
      type: object
    APIAddress:
      properties:
        address_line_1:
          default: null
          type:
          - string
          - 'null'
        address_line_2:
          default: null
          type:
          - string
          - 'null'
        city:
          default: null
          type:
          - string
          - 'null'
        country:
          default: null
          type:
          - string
          - 'null'
        postal_code:
          default: null
          maxLength: 10
          type:
          - string
          - 'null'
        state:
          default: null
          type:
          - string
          - 'null'
      type: object
    APILightAccount:
      properties:
        account_name:
          default: null
          description: A name given to this account. Any name can be given.
          type:
          - string
          - 'null'
        account_number:
          description: The account identifier. Only IBANs are supported at the moment.
          type: string
        account_number_type:
          description: The type of account number (e.g. IBAN).
          enum:
          - account_number
          - iban
          - internal_id
          type: string
        bank_identifier:
          description: The identifier of the bank.
          type: string
        bank_identifier_type:
          description: The type of bank identifier (e.g. BIC).
          enum:
          - bic
          - name
          - routing_number
          - undefined
          type: string
      required:
      - account_number
      - account_number_type
      - bank_identifier
      - bank_identifier_type
      type: object
    APIAccountCreation:
      properties:
        account_holder:
          allOf:
          - $ref: '#/components/schemas/APIBusinessIdentifier'
          default: null
          description: The business owning the account.
        account_number:
          description: The account identifier. Only IB

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# Full source: https://raw.githubusercontent.com/api-evangelist/defacto/refs/heads/main/openapi/defacto-onboarding-api-openapi.yml