Synctera Accounts API

openapi: 3.2.0
info:
  description: '<h2>Let''s build something great.</h2><p>Welcome to the official reference documentation for Synctera APIs. Our APIs are the best way to automate your company''s banking needs and are designed to be easy to understand and implement.</p><p>We''re continuously growing this library and what you see here is just the start, but if you need something specific or have a question, <a class=''text-blue-600'' href=''https://synctera.com/contact'' target=''_blank'' rel=''noreferrer''>contact us</a>.</p>

    '
  license:
    name: Apache 2.0
    url: https://www.apache.org/licenses/LICENSE-2.0.html
  title: Synctera Accounts API
  version: 0.20.0
servers:
- description: Production
  url: https://api.synctera.com/v0
- description: Sandbox (no real world financial impact)
  url: https://api-sandbox.synctera.com/v0
security:
- bearerAuth: []
tags:
- description: Request to create and manage accounts
  name: Accounts
paths:
  /accounts:
    summary: Accounts
    get:
      description: Get paginated list of Accounts associated
      operationId: listAccounts
      parameters:
      - $ref: '#/components/parameters/account_id_query'
      - $ref: '#/components/parameters/linked_account_id_query'
      - $ref: '#/components/parameters/overdraft_account_id_query'
      - $ref: '#/components/parameters/overflow_account_id_query'
      - $ref: '#/components/parameters/account_number'
      - $ref: '#/components/parameters/status'
      - $ref: '#/components/parameters/interest_product_id_query'
      - $ref: '#/components/parameters/customer_type'
      - $ref: '#/components/parameters/customer_id_query_one'
      - $ref: '#/components/parameters/business_id_query'
      - $ref: '#/components/parameters/person_id_query'
      - $ref: '#/components/parameters/first_name'
      - $ref: '#/components/parameters/last_name'
      - $ref: '#/components/parameters/limit'
      - $ref: '#/components/parameters/page_token'
      - $ref: '#/components/parameters/account_sort_by_query'
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_list'
          description: List of accounts
        '400':
          $ref: '#/components/responses/bad_request'
        '401':
          $ref: '#/components/responses/unauthorized'
        '403':
          $ref: '#/components/responses/forbidden'
        '404':
          $ref: '#/components/responses/not_found'
        '500':
          $ref: '#/components/responses/internal_server_error'
      summary: List accounts
      tags:
      - Accounts
      x-external: true
    post:
      description: "Create a shadow mode or lead mode account. You need to determine the mode according to integrator configuration, and specify the required fields accordingly.\n\nShadow mode required fields:\n  - account_number\n  - status\n\nLead mode required fields:\n  - account_template_id\n  - relationships\n"
      operationId: createAccount
      parameters:
      - $ref: '#/components/parameters/idempotency_key'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/account_creation'
        description: Account to create
        required: true
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_generic_response'
          description: Created account
        '401':
          $ref: '#/components/responses/unauthorized'
        '422':
          $ref: '#/components/responses/unprocessable_entity'
      summary: Create an account
      tags:
      - Accounts
      x-external: true
  /accounts/{account_id}:
    summary: account
    get:
      description: Get an account
      operationId: getAccount
      parameters:
      - $ref: '#/components/parameters/account_id_path'
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_generic_response'
          description: Account
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: Get account
      tags:
      - Accounts
      x-external: true
    patch:
      description: "Patch account.\n\nImmutable fields:\n  - account_number\n  - account_type\n  - account_template_id\n  - customer_type\n\nPlease note:\n  - Other fields cannot be modified when access_status is FROZEN.\n  - access_status has to be patched individually without other fields.\n"
      operationId: patchAccount
      parameters:
      - $ref: '#/components/parameters/idempotency_key'
      - $ref: '#/components/parameters/account_id_path'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/account'
        description: Account fields to be patched
        required: true
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_generic_response'
          description: Updated account
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: Patch account
      tags:
      - Accounts
      x-external: true
    put:
      description: "Update account\n\nShadow mode required fields:\n  - account_number\n  - status\n\nLead mode required fields:\n  - All fields are required.\n\nPlease note:\n  - access_status needs to be in ACTIVE.\n  - PUT request cannot change access_status.\n"
      operationId: updateAccount
      parameters:
      - $ref: '#/components/parameters/account_id_path'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/account'
        description: Account to update
        required: true
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_generic_response'
          description: Updated account
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: Update account
      tags:
      - Accounts
      x-external: true
  /accounts/{account_id}/relationships:
    summary: Account Relationship
    get:
      description: List all customers of an account
      operationId: listAccountRelationship
      parameters:
      - $ref: '#/components/parameters/account_id_path'
      - $ref: '#/components/parameters/limit'
      - $ref: '#/components/parameters/page_token'
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/relationship_list'
          description: List of account relationships
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: List account relationships
      tags:
      - Accounts
      x-external: true
    post:
      description: Add a customer to an account
      operationId: createAccountRelationship
      parameters:
      - $ref: '#/components/parameters/idempotency_key'
      - $ref: '#/components/parameters/account_id_path'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/relationship'
        description: Account relationship object
        required: true
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/relationship'
          description: Account relationship object
        '401':
          $ref: '#/components/responses/unauthorized'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: Create account relationship
      tags:
      - Accounts
      x-external: true
  /accounts/{account_id}/relationships/{relationship_id}:
    summary: Account Relationship
    delete:
      description: Delete account relationship
      operationId: DeleteAccountRelationship
      parameters:
      - $ref: '#/components/parameters/account_id_path'
      - $ref: '#/components/parameters/relationship_id'
      responses:
        '200':
          $ref: '#/components/responses/delete_response'
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: Delete account relationship
      tags:
      - Accounts
      x-external: true
    get:
      description: Get account relationship by ID
      operationId: getAccountRelationship
      parameters:
      - $ref: '#/components/parameters/account_id_path'
      - $ref: '#/components/parameters/relationship_id'
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/relationship'
          description: Account relationship
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: Get account relationship
      tags:
      - Accounts
      x-external: true
    put:
      description: Update account relationship. Only relationship_type can be updated. customer_id should not be modified.
      operationId: updateAccountRelationship
      parameters:
      - $ref: '#/components/parameters/account_id_path'
      - $ref: '#/components/parameters/relationship_id'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/relationship'
        description: Account relationship to be updated
        required: true
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/relationship'
          description: Updated account relationship
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
        '461':
          $ref: '#/components/responses/account_closed'
      summary: Update account relationship
      tags:
      - Accounts
      x-external: true
  /accounts/products:
    summary: Account products
    get:
      description: 'List account Products

        '
      operationId: listAccountResourceProducts
      parameters:
      - $ref: '#/components/parameters/limit'
      - $ref: '#/components/parameters/page_token'
      - description: Date range filtering for type INTEREST. All rates in interest resource have to have valid_from later or equal to start_date.
        in: query
        name: start_date
        required: false
        schema:
          format: date
          type: string
        x-external: true
      - description: Date range filtering for type INTEREST. All rates in interest resource have to have valid_to earlier or equal to end_date.
        in: query
        name: end_date
        required: false
        schema:
          format: date
          type: string
        x-external: true
      - description: Type of account product
        in: query
        name: product_type
        required: true
        schema:
          enum:
          - FEE
          - INTEREST
          type: string
        x-external: true
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_product_list'
          description: List of account products
      summary: List account products
      tags:
      - Accounts
      x-external: true
    post:
      description: 'Create an account product. Rates cannot be nil or empty.

        '
      operationId: createAccountResourceProduct
      parameters:
      - $ref: '#/components/parameters/idempotency_key'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/account_product'
        description: Account product to create
        required: true
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_product'
          description: Account product created
      summary: Create an account product
      tags:
      - Accounts
      x-external: true
  /accounts/products/{product_id}:
    summary: Account products
    patch:
      description: 'Patch account product. Rates requires at minimum 1 entry if specified.

        '
      operationId: patchAccountProduct
      parameters:
      - $ref: '#/components/parameters/idempotency_key'
      - $ref: '#/components/parameters/product_id'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/patch_account_product'
        description: Account product fields to be patched
        required: true
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_product'
          description: Updated account product
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
      summary: Patch account product
      tags:
      - Accounts
      x-external: true
  /accounts/templates:
    summary: Accounts
    get:
      description: 'List account templates

        '
      operationId: listAccountTemplates
      parameters:
      - $ref: '#/components/parameters/limit'
      - $ref: '#/components/parameters/page_token'
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/template_list'
          description: List of account templates
      summary: List account templates
      tags:
      - Accounts
      x-external: true
    post:
      description: 'Create an account template. An account template is need when create an account in a lead mode

        '
      operationId: createAccountTemplate
      parameters:
      - $ref: '#/components/parameters/idempotency_key'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/account_template'
        description: Account template to create
        required: true
      responses:
        '201':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_template_response'
          description: Account template created
      summary: Create an account template
      tags:
      - Accounts
      x-external: true
  /accounts/templates/{template_id}:
    summary: account
    delete:
      description: Delete account template
      operationId: DeleteAccountTemplate
      parameters:
      - $ref: '#/components/parameters/template_id'
      responses:
        '200':
          $ref: '#/components/responses/delete_response'
        '401':
          $ref: '#/components/responses/unauthorized'
        '404':
          $ref: '#/components/responses/not_found'
      summary: Delete account template
      tags:
      - Accounts
      x-external: true
    get:
      description: Get an account template
      operationId: getAccountTemplate
      parameters:
      - $ref: '#/components/parameters/template_id'
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_template_response'
          description: Account Template
      summary: Get account template
      tags:
      - Accounts
      x-external: true
    put:
      description: 'Update account template

        '
      operationId: updateAccountTemplate
      parameters:
      - $ref: '#/components/parameters/template_id'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/account_template'
        description: Account template to update
        required: true
      responses:
        '200':
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/account_template_response'
          description: Account template updated
      summary: Update account template
      tags:
      - Accounts
      x-external: true
components:
  schemas:
    account_creation:
      allOf:
      - $ref: '#/components/schemas/account'
      - properties:
          account_template_id:
            description: Account template ID
            format: uuid
            type: string
          relationships:
            description: List of the relationship for this account to the parties
            items:
              $ref: '#/components/schemas/relationship'
            type: array
        type: object
    account_template_response:
      properties:
        application_type:
          $ref: '#/components/schemas/application_type'
          type: string
        description:
          description: Account template description
          type: string
        id:
          description: Generated ID for the template
          format: uuid
          type: string
        is_enabled:
          description: Whether this template can be used for account creation
          type: boolean
        name:
          description: Unique account template name
          type: string
        template:
          $ref: '#/components/schemas/template_fields_generic_response'
      required:
      - name
      - is_enabled
      - template
      type: object
    account_product_list:
      allOf:
      - properties:
          account_products:
            description: Array of account products
            items:
              $ref: '#/components/schemas/account_product'
            type: array
        required:
        - account_products
        type: object
      - $ref: '#/components/schemas/paginated_response'
    application_type:
      description: 'The type of the application.

        * LINE_OF_CREDIT: line of credit application

        * RESTRICTED_ACCOUNT: restricted account application

        '
      enum:
      - LINE_OF_CREDIT
      - RESTRICTED_ACCOUNT
      title: Application Type
      type: string
    minimum_payment_type:
      description: "* RATE_OR_AMOUNT: >\n  Describes a minimum payment scheme where the amount calculated is either a portion\n  of the balance due, or a fixed, maximum amount, whichever is lesser. For example, if\n  set to 1.00% and $30, the minimum payment will be calculated as 1.00% of the balance,\n  but only up to a maximum of $30.\n"
      enum:
      - RATE_OR_AMOUNT
      type: string
    minimum_payment_rate_or_amount:
      properties:
        min_amount:
          description: 'The maximum amount to charge as a minimum payment, in cents. For example, to set the maximum to $30, set this value to 3000.

            '
          format: int64
          type: integer
        rate:
          description: 'The percentage of the balance to use, in basis points. For example, to set 12.5% of the balance, set this value to 1250.

            '
          type: integer
        type:
          $ref: '#/components/schemas/minimum_payment_type'
          type: string
      required:
      - type
      - rate
      - min_amount
      type: object
    relationship_list:
      allOf:
      - properties:
          relationships:
            description: Array of relationships
            items:
              $ref: '#/components/schemas/relationship'
            type: array
        required:
        - relationships
        type: object
      - $ref: '#/components/schemas/paginated_response'
    patch_interest:
      properties:
        accrual_payout_schedule:
          $ref: '#/components/schemas/accrual_payout_schedule'
        calculation_method:
          $ref: '#/components/schemas/calculation_method'
        description:
          description: User provided description for the current interest.
          example: The rate is designed for high interest saving account.
          type: string
        id:
          description: Interest ID
          format: uuid
          readOnly: true
          type: string
        product_type:
          enum:
          - INTEREST
          type: string
        rates:
          $ref: '#/components/schemas/rates'
      required:
      - product_type
      type: object
    minimum_payment:
      description: 'The scheme for calculating the minimum payment due for outstanding balances in a billing period.

        '
      discriminator:
        mapping:
          RATE_OR_AMOUNT: '#/components/schemas/minimum_payment_rate_or_amount'
        propertyName: type
      oneOf:
      - $ref: '#/components/schemas/minimum_payment_rate_or_amount'
      type: object
    interest:
      properties:
        accrual_payout_schedule:
          $ref: '#/components/schemas/accrual_payout_schedule'
        calculation_method:
          $ref: '#/components/schemas/calculation_method'
        description:
          description: User provided description for the current interest.
          example: The rate is designed for high interest saving account.
          type: string
        id:
          description: Interest ID
          format: uuid
          readOnly: true
          type: string
        product_type:
          enum:
          - INTEREST
          - FEE
          type: string
        rates:
          $ref: '#/components/schemas/rates'
      required:
      - product_type
      - calculation_method
      - rates
      - accrual_payout_schedule
      type: object
    account_line_of_credit:
      allOf:
      - $ref: '#/components/schemas/account_base'
      - properties:
          chargeoff_period:
            default: 90
            description: 'The number of days an account can stay delinquent before marking an account as charged-off.

              '
            minimum: 0
            type: integer
          credit_limit:
            description: 'The credit limit for this line of credit account in cents. Minimum is 0.

              '
            example: 2500
            format: int64
            minimum: 0
            type: integer
          delinquency_period:
            default: 30
            description: 'The number of days past the due date to wait for a minimum payment before marking an account as delinquent.

              '
            minimum: 0
            type: integer
          grace_period:
            description: 'The number of days past the billing period to allow for payment before it is considered due. This directly infers the due date for a payment.

              '
            example: 25
            minimum: 0
            type: integer
          interest_product_id:
            description: 'An interest account product that the current account associates with. The account product must have its calculation_method set to COMPOUNDED_DAILY.

              '
            format: uuid
            type: string
          minimum_payment:
            $ref: '#/components/schemas/minimum_payment'
        type: object
      description: Account representing a line of credit account.
      type: object
    account_id_query_schema:
      example: 64438afd-fa20-4010-a573-2bbdca77cdb6,84ef251c-ab8f-47a5-bbfd-a16648f95157
      items:
        format: uuid
        type: string
      type: array
    template_fields_line_of_credit:
      allOf:
      - $ref: '#/components/schemas/base_template_fields'
      - properties:
          chargeoff_period:
            default: 90
            description: 'The number of days an account can stay delinquent before marking an account as charged-off.

              '
            minimum: 0
            type: integer
          delinquency_period:
            default: 30
            description: 'The number of days past the due date to wait for a minimum payment before marking an account as delinquent.

              '
            minimum: 0
            type: integer
          grace_period:
            default: 30
            description: 'The number of days past the billing period to allow for payment before it is considered due. This directly infers the due date for a payment.

              '
            minimum: 0
            type: integer
          interest_product_id:
            description: 'An interest account product that the current account associates with. The account product must have its calculation_method set to COMPOUNDED_DAILY.

              '
            format: uuid
            type: string
          minimum_payment:
            $ref: '#/components/schemas/minimum_payment'
        required:
        - minimum_payment
      type: object
    spending_limit_with_time:
      description: Limit over a specific time period.
      properties:
        amount:
          description: Maximum amount allowed within the time range. Unit in cents.
          format: int64
          minimum: 0
          type: integer
        transactions:
          description: Maximum number of transactions allowed within the time range
          format: int64
          minimum: 0
          type: integer
      type: object
    account_template:
      properties:
        application_type:
          $ref: '#/components/schemas/application_type'
          type: string
        description:
          description: User provided account template description
          type: string
        id:
          description: Generated ID for the template
          format: uuid
          readOnly: true
          type: string
        is_enabled:
          description: Whether this template can be used for account creation
          type: boolean
        name:
          description: Unique account template name
          type: string
        template:
          $ref: '#/components/schemas/template_fields'
      required:
      - name
      - is_enabled
      - template
      type: object
    account:
      anyOf:
      - $ref: '#/components/schemas/account_depository'
      - $ref: '#/components/schemas/account_line_of_credit'
      description: Account
      type: object
    base_template_fields:
      properties:
        account_type:
          $ref: '#/components/schemas/account_type'
          type: string
        bank_country:
          description: Bank country of the account. ISO 3166-1 Alpha-2 or Alpha-3 country code.
          example: US
          pattern: ^[A-Z]{2,3}$
          type: string
        currency:
          description: Account currency. ISO 4217 alphabetic currency code
          example: USD
          pattern: ^[A-Z]{3}$
          type: string
      required:
      - account_type
      - currency
      - bank_country
      type: object
    balance_floor:
      properties:
        balance:
          description: Minimum balance in the account's currency. Unit in cents.
          format: int64
          type: integer
        linked_account_id:
          description: 'ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance floor

            '
          format: uuid
          type: string
        overdraft_account_id:
          deprecated: true
          description: 'ID of linked backing account for just-in-time (JIT) funding of transactions to maintain the balance floor

            This attribute is a deprecated alias for linked_account_id.

            '
          format: uuid
          type: string
      required:
      - balance
      type: object
    customer_type:
      description: Customer type
      enum:
      - BUSINESS
      - PERSONAL
      readOnly: true
      title: Customer Type
      type: string
    fee:
      properties:
        amount:
          description: Fee amount
          format: int64
          type: integer
        currency:
          description: Fee currency code in ISO 4217
          pattern: ^[A-Z]{3}$
          type: string
        fee_type:
          description: Fee type
          enum:
          - MONTHLY_FEE
          - ANNUAL_FEE
          - ATM_WITHDRWAL_FEE
          - OVERDRAFT_FEE
          - ACH_FEE
          - WIRE_FEE
          type: string
        id:
          description: Fee ID
          format: uuid
          readOnly: true
          type: string
        product_type:
          enum:
          - INTEREST
          - FEE
          type: string
      required:
      - product_type
      - fee_type
      - amount
      - currency
      type: object
    account_base:
      properties:
        access_status:
          $ref: '#/components/schemas/account_access_status'
        account_number:
          description: Account number
          maxLength: 50
          readOnly: true
          type: string
        account_number_masked:
          description: The response will contain the bank fintech ID (3 or 6 digits) plus the last 4 digits, with the digits in between replaced with * characters. Shadow mode account numbers will not be masked.
          example: 123*****6789
          maxLength: 50
          readOnly: true
          type: string
        account_purpose:
          description: Purpose of the account
          example: This account for the account holder's salary deposit.
          type: string
        account_type:
          $ref: '#/components/schemas/account_type'
        application_id:
          description: 'The application ID for this account.

            '
          format: uuid
          type: string
        balances:
          description: A list of balances for account based on different type
          items:
            $ref: '#/components/schemas/balance'
          readOnly: true
          type: array
        bank_routing:
          description: Bank routing number
          maxLength: 9
          readOnly: true
          type: string
        creation_time:
          description: Account creation timestamp in RFC3339 format
          format: date-time
          readOnly: true
          type: string
        currency:
          description: Account currency or account settlement currency. ISO 4217 alphabetic currency code. Default USD
          example: SVC
          pattern: ^[A-Z]{3}$
          type: string
        customer_ids:
          description: A list of the customer IDs of the account holders.
          items:
            format: uuid
            type: string
          readOnly: true
          type: array
        customer_type:
          $ref: '#/components/schemas/customer_type'
        exchange_rate_type:
          description: Exchange rate type
          example: M, INTERBANK, CUST
          maxLength: 10
          type: string
        iban:
          description: International bank account number
          maxLength: 34
          type: string
        id:
          description: Account ID
          format: uuid
          readOnly: true
          type: string
        is_account_pool:
          description: Account is investment (variable balance) account or a multi-balance account pool. Default false
          type: boolean
        is_ach_enabled:
          description: A flag to indicate whether ACH transactions are enabled.
          readOnly: true
          type: boolean
        is_card_enabled:
          description: A flag to indicate whether card transactions are enabled.
          readOnly: true
          type: boolean
        is_p2p_enabled:
          description: A flag to indicate whether P2P transactions are enabled.
          readOnly: true
          type: boolean
        is_wire_enabled:
          description: A flag to indicate whether wire transactions are enabled.
          readOnly: true
          type: boolean
        last_updated_time:
          description: Timestamp of the last account modification in RFC3339 format
          format: date-time
          readOnly: true
          type: string
        metadata:
          description: User provided account metadata
          type: object
        nickname:
          description: User provided account nickname
          t

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