Narmi ach payments API

openapi: 3.2.0
info:
  title: Narmi Public ach payments API
  version: v1
  description: To read about Public API access and authentication, go to API Overview.
  termsOfService: https://www.narmi.com/policies/developer-terms-conditions
  contact:
    name: Narmi Support
    email: support@narmi.com
servers:
- url: https://api.sandbox.narmi.dev/
  description: ''
tags:
- name: ACH Payments
paths:
  /v1/ach_payments/:
    get:
      operationId: ach_payments_list
      description: 'List the authenticated user''s ACH payments.


        All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      summary: List ACH payments
      parameters:
      - name: page
        required: false
        in: query
        description: A page number within the paginated result set.
        schema:
          type: integer
      tags:
      - ACH Payments
      security:
      - oauth2:
        - read
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaginatedACHPaymentList'
          description: ''
      x-stoplight:
        id: g3wzvoxt1a5sr
    post:
      operationId: ach_payments_create
      description: 'Send an ACH Payment using an existing recipient and set of external account details (i.e. account number, routing number, account type, account purpose).


        All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      summary: Send an ACH Payment
      tags:
      - ACH Payments
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ACHPaymentRequest'
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/components/schemas/ACHPaymentRequest'
          multipart/form-data:
            schema:
              $ref: '#/components/schemas/ACHPaymentRequest'
        required: true
      security:
      - oauth2:
        - write
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnverifiedACHTransaction'
          description: ''
        '400':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GeneralError'
          description: ''
        '409':
          content:
            application/json:
              schema:
                type: object
                properties:
                  id:
                    type: string
                  message:
                    type: string
                example:
                  id: idempotency_key_used
                  message: Idempotency-Key is already used.
          description: ''
      x-stoplight:
        id: diestfplknve7
  /v1/ach_payments/{uuid}/:
    get:
      operationId: ach_payments_retrieve
      description: 'Fetch details for a specified ACH payment.


        All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      summary: Retrieve an ACH payment
      parameters:
      - in: path
        name: uuid
        schema:
          type: string
        required: true
      tags:
      - ACH Payments
      security:
      - oauth2:
        - read
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ACHPayment'
          description: ''
      x-stoplight:
        id: sdxmii9y4l28v
  /v1/ach_payments/scheduled/:
    get:
      operationId: ach_payments_scheduled_list
      description: 'List the authenticated user''s scheduled ACH payments.


        All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      summary: List scheduled ACH payments
      parameters:
      - name: page
        required: false
        in: query
        description: A page number within the paginated result set.
        schema:
          type: integer
      tags:
      - ACH Payments
      security:
      - oauth2:
        - read
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaginatedScheduledACHPaymentList'
          description: ''
      x-stoplight:
        id: uzvhzweupgb3x
    post:
      operationId: ach_payments_scheduled_create
      summary: Create a scheduled ACH payment
      tags:
      - ACH Payments
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ScheduledACHPaymentRequest'
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/components/schemas/ScheduledACHPaymentRequest'
          multipart/form-data:
            schema:
              $ref: '#/components/schemas/ScheduledACHPaymentRequest'
        required: true
      security:
      - oauth2:
        - write
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ScheduledACHPayment'
          description: ''
        '400':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GeneralError'
          description: ''
      description: 'All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      x-stoplight:
        id: u9plmfzijc34g
  /v1/ach_payments/scheduled/{uuid}/:
    get:
      operationId: ach_payments_scheduled_retrieve
      summary: Retrieve a scheduled ACH payment
      parameters:
      - in: path
        name: uuid
        schema:
          type: string
        required: true
      tags:
      - ACH Payments
      security:
      - oauth2:
        - read
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ScheduledACHPayment'
          description: ''
      description: 'All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      x-stoplight:
        id: jrosr0lbypcwm
    delete:
      operationId: ach_payments_scheduled_destroy
      summary: Delete a scheduled ACH payment
      parameters:
      - in: path
        name: uuid
        schema:
          type: string
        required: true
      tags:
      - ACH Payments
      security:
      - oauth2:
        - write
      responses:
        '204':
          description: No response body
      description: 'All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      x-stoplight:
        id: t7hv3wakkoiwu
  /v1/loan_payments/ach/:
    post:
      operationId: loan_payments_ach_create
      description: 'Create an ACH payment from an external account to a loan.


        All monetary values are represented in minor units, or the smallest unit of the currency with no decimal (e.g., cents). For example, $10.00 is represented as 1000.


        How can we improve these docs? Share your feedback.'
      summary: Create an ACH loan payment
      tags:
      - ACH Payments
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/LoanPaymentACHRequest'
            examples:
              WRITE:
                value:
                  state: active
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/components/schemas/LoanPaymentACHRequest'
          multipart/form-data:
            schema:
              $ref: '#/components/schemas/LoanPaymentACHRequest'
        required: true
      security:
      - oauth2:
        - write
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoanPaymentACH'
          description: ''
      x-stoplight:
        id: i0ryiy2vb06qt
components:
  schemas:
    ACHPaymentRequest:
      type: object
      properties:
        amount:
          example: 100
          maximum: 1000000000000000
          minimum: -1000000000000000
          description: The amount of the ACH payment in cents.
          type: integer
        institution_account:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: The UUID of the originating account for the transaction.
          type: string
          format: uuid
        description:
          type: string
          default: ''
          description: Memo for the transaction. This is currently only used for internal record-keeping, and will not be not included in the resulting NACHA file entry.
          maxLength: 128
        recipient:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: The UUID of the recipient of the transaction.
          type: string
          format: uuid
        ach_company:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: 'DEPRECATED: The client submits the UUID of the ACHCompany to use for the transaction, and we map this instances fields into the company_id and company_name fields below. These values could presumably change, and we want to maintain a record of these values at the time the transaction is submitted. Note this field should not be used once the FI is configured to fetch the ACHCompany based from the institution_account''s originating organization.'
          type: string
          format: uuid
          writeOnly: true
        std_ent_cls_code:
          allOf:
          - $ref: '#/components/schemas/StdEntClsCodeEnum'
          description: 'A three letter code that describes how a payment was authorized by the consumer or business receiving an ACH transaction. SEC stands for ''Standard Entry Class''. SEC codes are defined and maintained by NACHA, the governing body for the ACH network.


            * `PPD` - Batch Personal

            * `CCD` - Batch Corporate

            * `ARC` - Batch Accounts Receivable

            * `CTX` - Batch Corporate Exchange

            * `POS` - Batch Point Of Sale

            * `WEB` - Batch Internet Initiated

            * `BOC` - Batch Backoffice Conversion

            * `TEL` - Batch Telephone Initiated

            * `MTE` - Batch Machine Transfer

            * `SHR` - Batch Shared Network

            * `CIE` - Batch Customer Initiated

            * `POP` - Batch Point Of Purchase

            * `RCK` - Batch Represented Check'
        entry_desc:
          type: string
          minLength: 1
          description: A field that describes the purpose of the transaction to the receiver. It's used to help identify, monitor, and count payments for specific purposes.
        memo:
          type: string
          default: ''
          description: A field that adds a memo to the transaction. It's used to help identify transaction to the sender.
          maxLength: 128
        device_id:
          type:
          - string
          - 'null'
          writeOnly: true
        device_request_id:
          type:
          - string
          - 'null'
          writeOnly: true
      required:
      - amount
      - entry_desc
      - institution_account
      - recipient
      - std_ent_cls_code
      x-stoplight:
        id: ifjre5vpcvp53
    ScheduledACHPaymentRequest:
      type: object
      properties:
        amount:
          example: 100
          maximum: 1000000000000000
          minimum: -1000000000000000
          description: A field that returns the original value in the currency's smallest unit (e.g. cents).
          type: integer
        device_id:
          type:
          - string
          - 'null'
          writeOnly: true
        device_request_id:
          type:
          - string
          - 'null'
          writeOnly: true
        memo:
          type: string
          default: ''
          maxLength: 128
        recurring_rule:
          type: string
          minLength: 1
        institution_account:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: A field that represents the stringified UUID of a related object.
          type: string
          format: uuid
        recipient:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: A field that represents the stringified UUID of a related object.
          type: string
          format: uuid
        ach_company:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: A field that represents the stringified UUID of a related object.
          type: string
          format: uuid
          writeOnly: true
        std_ent_cls_code:
          $ref: '#/components/schemas/StdEntClsCodeEnum'
        entry_desc:
          type: string
          minLength: 1
        description:
          type: string
          default: ''
      required:
      - amount
      - entry_desc
      - institution_account
      - recipient
      - recurring_rule
      - std_ent_cls_code
      x-stoplight:
        id: squl1ig9cun3t
    PaginatedScheduledACHPaymentList:
      type: object
      required:
      - count
      - results
      properties:
        count:
          type: integer
          example: 123
        next:
          type:
          - string
          - 'null'
          format: uri
          example: http://api.example.org/accounts/?page=4
        previous:
          type:
          - string
          - 'null'
          format: uri
          example: http://api.example.org/accounts/?page=2
        results:
          type: array
          items:
            $ref: '#/components/schemas/ScheduledACHPayment'
      x-stoplight:
        id: 43ond2osuzzsf
    TransactionTypeEnum:
      enum:
      - debit
      - credit
      type: string
      description: '* `debit` - Pull (debit)

        * `credit` - Push (credit)'
      x-stoplight:
        id: acyeadla4mwfp
    StdEntClsCodeEnum:
      enum:
      - PPD
      - CCD
      - ARC
      - CTX
      - POS
      - WEB
      - BOC
      - TEL
      - MTE
      - SHR
      - CIE
      - POP
      - RCK
      type: string
      description: '* `PPD` - Batch Personal

        * `CCD` - Batch Corporate

        * `ARC` - Batch Accounts Receivable

        * `CTX` - Batch Corporate Exchange

        * `POS` - Batch Point Of Sale

        * `WEB` - Batch Internet Initiated

        * `BOC` - Batch Backoffice Conversion

        * `TEL` - Batch Telephone Initiated

        * `MTE` - Batch Machine Transfer

        * `SHR` - Batch Shared Network

        * `CIE` - Batch Customer Initiated

        * `POP` - Batch Point Of Purchase

        * `RCK` - Batch Represented Check'
      x-stoplight:
        id: xgdwqweqfvyee
    GeneralError:
      type: object
      properties:
        id:
          type: string
          default: invalid
        message:
          type: string
          description: An error response detailing the field and the nature of the error.
      required:
      - message
      x-stoplight:
        id: v76fz3qxj5djb
    PaginatedACHPaymentList:
      type: object
      required:
      - count
      - results
      properties:
        count:
          type: integer
          example: 123
        next:
          type:
          - string
          - 'null'
          format: uri
          example: http://api.example.org/accounts/?page=4
        previous:
          type:
          - string
          - 'null'
          format: uri
          example: http://api.example.org/accounts/?page=2
        results:
          type: array
          items:
            $ref: '#/components/schemas/ACHPayment'
      x-stoplight:
        id: ershfqhclmswp
    ScheduledACHPayment:
      type: object
      properties:
        amount:
          example: 100
          maximum: 1000000000000000
          minimum: -1000000000000000
          description: A field that returns the original value in the currency's smallest unit (e.g. cents).
          type: integer
        memo:
          type: string
          default: ''
          maxLength: 128
        recurring_rule:
          type: string
        id:
          type: string
          format: uuid
          readOnly: true
        institution_account:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: A field that represents the stringified UUID of a related object.
          type: string
          format: uuid
        recipient:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: A field that represents the stringified UUID of a related object.
          type: string
          format: uuid
        company_id:
          type: string
          readOnly: true
          maxLength: 10
          minLength: 10
        company_name:
          type: string
          readOnly: true
          maxLength: 16
          minLength: 1
        std_ent_cls_code:
          $ref: '#/components/schemas/StdEntClsCodeEnum'
        entry_desc:
          type: string
        description:
          type: string
          default: ''
        next_transfer_at:
          type: string
          format: date-time
          readOnly: true
        dual_approval_state:
          type:
          - string
          - 'null'
          readOnly: true
        display_state:
          type:
          - string
          - 'null'
          readOnly: true
        completed_at:
          type: string
          format: date-time
          readOnly: true
        transaction_type:
          allOf:
          - $ref: '#/components/schemas/TransactionTypeEnum'
          readOnly: true
          description: 'Indicates whether the Scheduled ACH transaction is a credit (push) or debit (pull).


            * `debit` - Pull (debit)

            * `credit` - Push (credit)'
      required:
      - amount
      - entry_desc
      - institution_account
      - recipient
      - recurring_rule
      - std_ent_cls_code
      x-stoplight:
        id: 9gkzfwvfok3wv
    LoanPaymentACHRequest:
      type: object
      properties:
        from_account:
          type: string
          format: uuid
        to_account:
          type: string
          format: uuid
        amount:
          example: 100
          maximum: 1000000000000000
          minimum: -1000000000000000
          description: A field that returns the original value in the currency's smallest unit (e.g. cents).
          type: integer
        payment_type:
          type: string
          minLength: 1
        ach_transfer:
          type: integer
        memo:
          type: string
        device_id:
          type: string
        metadata:
          type: object
          additionalProperties: {}
      required:
      - amount
      - from_account
      - payment_type
      - to_account
      x-stoplight:
        id: 1lkcyxejiw9vk
    UnverifiedACHTransaction:
      type: object
      properties:
        id:
          type: string
          format: uuid
          readOnly: true
        created_at:
          type: string
          format: date-time
          readOnly: true
        updated_at:
          type: string
          format: date-time
          readOnly: true
        processed_at:
          type:
          - string
          - 'null'
          format: date-time
          readOnly: true
          description: timestamp to avoid reprocessing this request
        state:
          allOf:
          - $ref: '#/components/schemas/State40dEnum'
          readOnly: true
        display_state:
          type: string
          readOnly: true
        company_id:
          type: string
          readOnly: true
          description: A snapshot of the company_id sourced from the ACHCompany at the time the transaction is submitted. This field is persisted to the resulting ACH transaction instance.
          maxLength: 10
          minLength: 10
        company_name:
          type: string
          readOnly: true
          description: A snapshot of the company_name sourced from the ACHCompany at the time the transaction is submitted. This field is persisted to the resulting ACH transaction instance.
          maxLength: 16
          minLength: 1
        amount:
          example: 100
          maximum: 1000000000000000
          minimum: -1000000000000000
          description: The amount of the ACH payment in cents.
          type: integer
        institution_account:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: The UUID of the originating account for the transaction.
          type: string
          format: uuid
        description:
          type: string
          default: ''
          description: Memo for the transaction. This is currently only used for internal record-keeping, and will not be not included in the resulting NACHA file entry.
          maxLength: 128
        external_account_details:
          type:
          - string
          - 'null'
          readOnly: true
          description: 'The UUID of the external account details associated with the recipient. '
        recipient:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: The UUID of the recipient of the transaction.
          type: string
          format: uuid
        std_ent_cls_code:
          allOf:
          - $ref: '#/components/schemas/StdEntClsCodeEnum'
          description: 'A three letter code that describes how a payment was authorized by the consumer or business receiving an ACH transaction. SEC stands for ''Standard Entry Class''. SEC codes are defined and maintained by NACHA, the governing body for the ACH network.


            * `PPD` - Batch Personal

            * `CCD` - Batch Corporate

            * `ARC` - Batch Accounts Receivable

            * `CTX` - Batch Corporate Exchange

            * `POS` - Batch Point Of Sale

            * `WEB` - Batch Internet Initiated

            * `BOC` - Batch Backoffice Conversion

            * `TEL` - Batch Telephone Initiated

            * `MTE` - Batch Machine Transfer

            * `SHR` - Batch Shared Network

            * `CIE` - Batch Customer Initiated

            * `POP` - Batch Point Of Purchase

            * `RCK` - Batch Represented Check'
        entry_desc:
          type: string
          description: A field that describes the purpose of the transaction to the receiver. It's used to help identify, monitor, and count payments for specific purposes.
        memo:
          type: string
          default: ''
          description: A field that adds a memo to the transaction. It's used to help identify transaction to the sender.
          maxLength: 128
        transaction_type:
          allOf:
          - $ref: '#/components/schemas/TransactionTypeEnum'
          description: 'Indicates whether the ACH transaction is a credit (push) or debit (pull).


            * `debit` - Pull (debit)

            * `credit` - Push (credit)'
      required:
      - amount
      - entry_desc
      - institution_account
      - recipient
      - std_ent_cls_code
      - transaction_type
      x-stoplight:
        id: te2fnxskynbwg
    ACHPayment:
      type: object
      properties:
        id:
          type: string
          format: uuid
          readOnly: true
        created_at:
          type: string
          format: date-time
          readOnly: true
        updated_at:
          type: string
          format: date-time
          readOnly: true
        processed_at:
          type:
          - string
          - 'null'
          format: date-time
          readOnly: true
          description: timestamp to avoid reprocessing this request
        state:
          allOf:
          - $ref: '#/components/schemas/State40dEnum'
          readOnly: true
        display_state:
          type: string
          readOnly: true
        company_id:
          type: string
          readOnly: true
          description: A snapshot of the company_id sourced from the ACHCompany at the time the transaction is submitted. This field is persisted to the resulting ACH transaction instance.
          maxLength: 10
          minLength: 10
        company_name:
          type: string
          readOnly: true
          description: A snapshot of the company_name sourced from the ACHCompany at the time the transaction is submitted. This field is persisted to the resulting ACH transaction instance.
          maxLength: 16
          minLength: 1
        amount:
          example: 100
          maximum: 1000000000000000
          minimum: -1000000000000000
          description: The amount of the ACH payment in cents.
          type: integer
        institution_account:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: The UUID of the originating account for the transaction.
          type: string
          format: uuid
        description:
          type: string
          default: ''
          description: Memo for the transaction. This is currently only used for internal record-keeping, and will not be not included in the resulting NACHA file entry.
          maxLength: 128
        external_account_details:
          type:
          - string
          - 'null'
          readOnly: true
          description: 'The UUID of the external account details associated with the recipient. '
        recipient:
          example: ccae3440-0c1f-45ce-9b91-57cbbb252818
          description: The UUID of the recipient of the transaction.
          type: string
          format: uuid
        std_ent_cls_code:
          allOf:
          - $ref: '#/components/schemas/StdEntClsCodeEnum'
          description: 'A three letter code that describes how a payment was authorized by the consumer or business receiving an ACH transaction. SEC stands for ''Standard Entry Class''. SEC codes are defined and maintained by NACHA, the governing body for the ACH network.


            * `PPD` - Batch Personal

            * `CCD` - Batch Corporate

            * `ARC` - Batch Accounts Receivable

            * `CTX` - Batch Corporate Exchange

            * `POS` - Batch Point Of Sale

            * `WEB` - Batch Internet Initiated

            * `BOC` - Batch Backoffice Conversion

            * `TEL` - Batch Telephone Initiated

            * `MTE` - Batch Machine Transfer

            * `SHR` - Batch Shared Network

            * `CIE` - Batch Customer Initiated

            * `POP` - Batch Point Of Purchase

            * `RCK` - Batch Represented Check'
        entry_desc:
          type: string
          description: A field that describes the purpose of the transaction to the receiver. It's used to help identify, monitor, and count payments for specific purposes.
        memo:
          type: string
          default: ''
          description: A field that adds a memo to the transaction. It's used to help identify transaction to the sender.
          maxLength: 128
        transaction_type:
          allOf:
          - $ref: '#/components/schemas/TransactionTypeEnum'
          readOnly: true
          description: 'Indicates whether the ACH transaction is a credit (push) or debit (pull).


            * `debit` - Pull (debit)

            * `credit` - Push (credit)'
      required:
      - amount
      - entry_desc
      - institution_account
      - recipient
      - std_ent_cls_code
      x-stoplight:
        id: bhxwwb7cteftj
    State40dEnum:
      enum:
      - analyzing
      - pending
      - processing
      - processed
      - rejected
      - review
      - canceled
      - canceled_by_user
      - awaiting_approval
      - rejected_approval
      - approval_expired
      - awaiting_bulk_approval
      - rejected_bulk_approval
      type: string
      description: '* `analyzing` - Analyzing

        * `pending` - Pending

        * `processing` - Processing

        * `processed` - Processed (in transit)

        * `rejected` - Rejected by staff

        * `review` - Review

        * `canceled` - Canceled

        * `canceled_by_user` - Canceled by user

        * `awaiting_approval` - Awaiting dual approval

        * `rejected_approval` - Dual approval rejected

        * `approval_expired` - Dual approval expired

        * `awaiting_bulk_approval` - Awaiting bulk approval

        * `rejected_bulk_approval` - Rejected bulk approval'
      x-stoplight:
        id: ulhqntis74qyp
    LoanPaymentACH:
      type: object
      properties:
        from_account:
          type: string
          format: uuid
        to_account:
          type: string
          format: uuid
        amount:
          example: 100
          maximum: 1000000000000000
          minimum: -1000000000000000
          description: A field that returns the original value in the currency's smallest unit (e.g. cents).
          type: integer
        payment_type:
          type: string
        ach_transfer:
          type: integer
        memo:
          type: string
        device_id:
          type: string
        metadata:
          type: object
          additionalProperties: {}
      required:
      - amount
      - from_account
      - payment_type
      - to_account
      x-stoplight:
        id: oswqsprazr4xt
  securitySchemes:
    oauth2:
      type: oauth2
      flows:
        authorizationCode:
          authorizationUrl: /v2/oauth/authorize/
          tokenUrl: /v2/oauth/token/
          scopes:
            banking:accounts:read: Can read account information.
            banking:transactions:read: Can read transaction information.
            banking:scheduled_transfers:read: Can read scheduled transfer information.
            banking:scheduled_transfers:write: Can create and update scheduled transfers.
            banking:accounts:write: Can update account information.
            banking:transactions:write: Can update transaction information.
            banking:users:read: Can read user profile information.
            banking:products:read: Can read product information.
            banking:documents:read: Can read user statements and documents.
x-stoplight:
  id: 68n444msv6n7x