> ## Documentation Index
> Fetch the complete documentation index at: https://docs.reap.global/llms.txt
> Use this file to discover all available pages before exploring further.

# Advance the user application

> Advances the user KYC application. Only valid while the application is in a pending state. Which verification method applies is fixed by your project configuration rather than chosen per request, and determines the request you send. With no body (Reap-run verification), Reap returns a provider SDK token in `nextAction` for the client to complete and approval arrives later via webhook. For an externally-completed verification (e.g. a Sumsub applicant share token), the submission is ingested synchronously and approves the user. For a full verified data pack, the response `nextAction` lists the supporting documents to upload via `POST /users/:id/application/documents`. Send an `Idempotency-Key` to safely retry without re-consuming a single-use share token.



## OpenAPI

````yaml /api-reference/openapi.json post /users/{id}/application
openapi: 3.1.0
info:
  title: Reap API
  version: 1.0.0
  description: Reap platform API
servers:
  - url: https://sandbox.api.reap.global
    description: Sandbox
  - url: https://prod.api.reap.global
    description: Production
security:
  - bearerAuth: []
tags:
  - name: Accounts
  - name: Activities
  - name: Card Designs
  - name: Card Shipments
  - name: Card Transactions
  - name: Cards
  - name: Companies
  - name: Crypto Deposits
  - name: Policies
  - name: Simulation
  - name: Users
  - name: Virtual Asset Postings
  - name: Virtual Assets
  - name: Webhooks
paths:
  /users/{id}/application:
    post:
      tags:
        - Users
      summary: Advance the user application
      description: >-
        Advances the user KYC application. Only valid while the application is
        in a pending state. Which verification method applies is fixed by your
        project configuration rather than chosen per request, and determines the
        request you send. With no body (Reap-run verification), Reap returns a
        provider SDK token in `nextAction` for the client to complete and
        approval arrives later via webhook. For an externally-completed
        verification (e.g. a Sumsub applicant share token), the submission is
        ingested synchronously and approves the user. For a full verified data
        pack, the response `nextAction` lists the supporting documents to upload
        via `POST /users/:id/application/documents`. Send an `Idempotency-Key`
        to safely retry without re-consuming a single-use share token.
      operationId: initiateApplication_users
      parameters:
        - name: id
          in: path
          required: true
          schema:
            description: User ID
            type: string
            format: uuid
        - name: Reap-Version
          in: header
          required: true
          schema:
            type: string
            enum:
              - '2025-02-14'
            description: API version (YYYY-MM-DD)
            example: '2025-02-14'
        - name: Idempotency-Key
          in: header
          required: false
          schema:
            type: string
            minLength: 1
            maxLength: 255
            description: >-
              Unique key for safely retrying this request. Up to 255 characters;
              we recommend a UUIDv4. The first request executes and its response
              is cached; subsequent requests with the same key replay the cached
              response (24h retention).
      requestBody:
        description: >-
          How to advance the KYC application. The accepted methods depend on the
          project KYC integration mode; each method is a distinct variant
          selected by the `method` field.
        required: true
        content:
          application/json:
            schema:
              oneOf:
                - type: object
                  properties:
                    method:
                      type: string
                      const: MANAGED_KYC
                  required:
                    - method
                  title: Managed KYC
                - type: object
                  properties:
                    method:
                      type: string
                      const: SUMSUB_TOKEN_SHARING
                    token:
                      type: string
                      minLength: 1
                      examples:
                        - _act-sbx-abc123-xyz789
                      description: Sumsub applicant share token
                  required:
                    - method
                    - token
                  title: Sumsub Token Sharing
                - type: object
                  properties:
                    method:
                      type: string
                      const: UNIVERSAL_KYC
                    provider:
                      type: object
                      properties:
                        name:
                          type: string
                          minLength: 1
                          description: >-
                            Name of the KYC provider that performed the
                            verification
                        status:
                          type: string
                          enum:
                            - APPROVED
                            - REJECTED
                            - WARNING
                            - NOT_EXECUTED
                          description: >-
                            Overall verification outcome reported by the
                            provider
                          example: APPROVED
                        data:
                          type: array
                          items:
                            type: object
                            additionalProperties: {}
                          description: Raw verification result payload from the provider
                      required:
                        - name
                        - status
                        - data
                      description: The verification the applicant completed
                    identity:
                      type: object
                      properties:
                        firstName:
                          type: string
                          minLength: 1
                          maxLength: 100
                          description: Given name
                        middleName:
                          description: Middle name
                          type: string
                          maxLength: 100
                        lastName:
                          description: Family name
                          type: string
                          maxLength: 100
                        fullName:
                          type: string
                          minLength: 1
                          maxLength: 200
                          description: Full legal name as verified
                        dateOfBirth:
                          type: string
                          format: date
                          pattern: >-
                            ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          description: Date of birth (YYYY-MM-DD)
                        nationality:
                          description: Nationality
                          type: string
                          minLength: 2
                          maxLength: 2
                          examples:
                            - US
                            - GB
                            - DE
                      required:
                        - firstName
                        - fullName
                        - dateOfBirth
                        - nationality
                      description: Verified identity of the applicant
                    documents:
                      type: object
                      properties:
                        idDocument:
                          type: object
                          properties:
                            type:
                              type: string
                              enum:
                                - PASSPORT
                                - ID_CARD
                                - DRIVERS_LICENCE
                                - RESIDENCE_PERMIT
                              description: Identity document type
                              example: PASSPORT
                            number:
                              type: string
                              minLength: 1
                              maxLength: 50
                              description: Document number as shown on the document
                            country:
                              description: Country that issued the document
                              type: string
                              minLength: 2
                              maxLength: 2
                              examples:
                                - US
                                - GB
                                - DE
                            issuingDate:
                              description: >-
                                Date the document was issued (YYYY-MM-DD), when
                                available
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                            expiryDate:
                              description: >-
                                Date the document expires (YYYY-MM-DD), when
                                applicable
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          required:
                            - type
                            - number
                            - country
                          description: Government-issued identity document
                        proofOfAddress:
                          type: object
                          properties:
                            type:
                              type: string
                              enum:
                                - ID_CARD
                                - DRIVERS_LICENCE
                                - RESIDENCE_PERMIT
                                - UTILITY_BILL
                                - UTILITY_BILL2
                              description: Proof-of-address document type
                              example: ID_CARD
                            number:
                              type: string
                              minLength: 1
                              maxLength: 50
                              description: Document number as shown on the document
                            country:
                              description: Country that issued the document
                              type: string
                              minLength: 2
                              maxLength: 2
                              examples:
                                - US
                                - GB
                                - DE
                            issuingDate:
                              description: >-
                                Date the document was issued (YYYY-MM-DD), when
                                available
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                            expiryDate:
                              description: >-
                                Date the document expires (YYYY-MM-DD), when
                                applicable
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          required:
                            - type
                            - number
                            - country
                          description: Proof-of-address document
                      required:
                        - idDocument
                        - proofOfAddress
                      description: >-
                        Metadata for the supporting documents uploaded
                        separately
                    address:
                      type: object
                      properties:
                        country:
                          description: Country
                          type: string
                          minLength: 2
                          maxLength: 2
                          examples:
                            - US
                            - GB
                            - DE
                        postCode:
                          description: Postal or ZIP code
                          type: string
                          minLength: 1
                          maxLength: 20
                        street:
                          description: Street
                          type: string
                          minLength: 1
                          maxLength: 200
                        town:
                          description: Town or city
                          type: string
                          maxLength: 100
                        subStreet:
                          description: Additional street line
                          type: string
                          maxLength: 200
                        state:
                          description: State, province, or region
                          type: string
                          maxLength: 100
                        buildingName:
                          description: Building name
                          type: string
                          maxLength: 100
                        flatNumber:
                          description: Flat, unit, or apartment number
                          type: string
                          maxLength: 20
                        buildingNumber:
                          description: Building or house number
                          type: string
                          maxLength: 20
                        formattedAddress:
                          type: string
                          minLength: 1
                          maxLength: 500
                          description: Full address as a single formatted line
                      required:
                        - country
                        - formattedAddress
                      description: Residential address of the applicant
                    liveness:
                      type: object
                      properties:
                        result:
                          type: string
                          enum:
                            - APPROVED
                            - REJECTED
                            - WARNING
                            - NOT_EXECUTED
                          description: Liveness-check outcome
                          example: APPROVED
                        checkedAt:
                          description: >-
                            When the liveness check was performed (ISO 8601).
                            Required unless the check was not executed.
                          type: string
                          format: date-time
                          pattern: >-
                            ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$
                      required:
                        - result
                      description: Result of the applicant liveness check
                    jurisdictionDetails:
                      oneOf:
                        - $ref: '#/components/schemas/MexicoJurisdictionDetails'
                          title: MexicoJurisdictionDetails
                      description: >-
                        Jurisdiction-specific KYC data required for certain BIN
                        countries
                  required:
                    - method
                    - provider
                    - identity
                    - documents
                    - address
                    - liveness
                  title: Universal KYC
          application/x-www-form-urlencoded:
            schema:
              oneOf:
                - type: object
                  properties:
                    method:
                      type: string
                      const: MANAGED_KYC
                  required:
                    - method
                  title: Managed KYC
                - type: object
                  properties:
                    method:
                      type: string
                      const: SUMSUB_TOKEN_SHARING
                    token:
                      type: string
                      minLength: 1
                      examples:
                        - _act-sbx-abc123-xyz789
                      description: Sumsub applicant share token
                  required:
                    - method
                    - token
                  title: Sumsub Token Sharing
                - type: object
                  properties:
                    method:
                      type: string
                      const: UNIVERSAL_KYC
                    provider:
                      type: object
                      properties:
                        name:
                          type: string
                          minLength: 1
                          description: >-
                            Name of the KYC provider that performed the
                            verification
                        status:
                          type: string
                          enum:
                            - APPROVED
                            - REJECTED
                            - WARNING
                            - NOT_EXECUTED
                          description: >-
                            Overall verification outcome reported by the
                            provider
                          example: APPROVED
                        data:
                          type: array
                          items:
                            type: object
                            additionalProperties: {}
                          description: Raw verification result payload from the provider
                      required:
                        - name
                        - status
                        - data
                      description: The verification the applicant completed
                    identity:
                      type: object
                      properties:
                        firstName:
                          type: string
                          minLength: 1
                          maxLength: 100
                          description: Given name
                        middleName:
                          description: Middle name
                          type: string
                          maxLength: 100
                        lastName:
                          description: Family name
                          type: string
                          maxLength: 100
                        fullName:
                          type: string
                          minLength: 1
                          maxLength: 200
                          description: Full legal name as verified
                        dateOfBirth:
                          type: string
                          format: date
                          pattern: >-
                            ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          description: Date of birth (YYYY-MM-DD)
                        nationality:
                          description: Nationality
                          type: string
                          minLength: 2
                          maxLength: 2
                          examples:
                            - US
                            - GB
                            - DE
                      required:
                        - firstName
                        - fullName
                        - dateOfBirth
                        - nationality
                      description: Verified identity of the applicant
                    documents:
                      type: object
                      properties:
                        idDocument:
                          type: object
                          properties:
                            type:
                              type: string
                              enum:
                                - PASSPORT
                                - ID_CARD
                                - DRIVERS_LICENCE
                                - RESIDENCE_PERMIT
                              description: Identity document type
                              example: PASSPORT
                            number:
                              type: string
                              minLength: 1
                              maxLength: 50
                              description: Document number as shown on the document
                            country:
                              description: Country that issued the document
                              type: string
                              minLength: 2
                              maxLength: 2
                              examples:
                                - US
                                - GB
                                - DE
                            issuingDate:
                              description: >-
                                Date the document was issued (YYYY-MM-DD), when
                                available
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                            expiryDate:
                              description: >-
                                Date the document expires (YYYY-MM-DD), when
                                applicable
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          required:
                            - type
                            - number
                            - country
                          description: Government-issued identity document
                        proofOfAddress:
                          type: object
                          properties:
                            type:
                              type: string
                              enum:
                                - ID_CARD
                                - DRIVERS_LICENCE
                                - RESIDENCE_PERMIT
                                - UTILITY_BILL
                                - UTILITY_BILL2
                              description: Proof-of-address document type
                              example: ID_CARD
                            number:
                              type: string
                              minLength: 1
                              maxLength: 50
                              description: Document number as shown on the document
                            country:
                              description: Country that issued the document
                              type: string
                              minLength: 2
                              maxLength: 2
                              examples:
                                - US
                                - GB
                                - DE
                            issuingDate:
                              description: >-
                                Date the document was issued (YYYY-MM-DD), when
                                available
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                            expiryDate:
                              description: >-
                                Date the document expires (YYYY-MM-DD), when
                                applicable
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          required:
                            - type
                            - number
                            - country
                          description: Proof-of-address document
                      required:
                        - idDocument
                        - proofOfAddress
                      description: >-
                        Metadata for the supporting documents uploaded
                        separately
                    address:
                      type: object
                      properties:
                        country:
                          description: Country
                          type: string
                          minLength: 2
                          maxLength: 2
                          examples:
                            - US
                            - GB
                            - DE
                        postCode:
                          description: Postal or ZIP code
                          type: string
                          minLength: 1
                          maxLength: 20
                        street:
                          description: Street
                          type: string
                          minLength: 1
                          maxLength: 200
                        town:
                          description: Town or city
                          type: string
                          maxLength: 100
                        subStreet:
                          description: Additional street line
                          type: string
                          maxLength: 200
                        state:
                          description: State, province, or region
                          type: string
                          maxLength: 100
                        buildingName:
                          description: Building name
                          type: string
                          maxLength: 100
                        flatNumber:
                          description: Flat, unit, or apartment number
                          type: string
                          maxLength: 20
                        buildingNumber:
                          description: Building or house number
                          type: string
                          maxLength: 20
                        formattedAddress:
                          type: string
                          minLength: 1
                          maxLength: 500
                          description: Full address as a single formatted line
                      required:
                        - country
                        - formattedAddress
                      description: Residential address of the applicant
                    liveness:
                      type: object
                      properties:
                        result:
                          type: string
                          enum:
                            - APPROVED
                            - REJECTED
                            - WARNING
                            - NOT_EXECUTED
                          description: Liveness-check outcome
                          example: APPROVED
                        checkedAt:
                          description: >-
                            When the liveness check was performed (ISO 8601).
                            Required unless the check was not executed.
                          type: string
                          format: date-time
                          pattern: >-
                            ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$
                      required:
                        - result
                      description: Result of the applicant liveness check
                    jurisdictionDetails:
                      oneOf:
                        - $ref: '#/components/schemas/MexicoJurisdictionDetails'
                          title: MexicoJurisdictionDetails
                      description: >-
                        Jurisdiction-specific KYC data required for certain BIN
                        countries
                  required:
                    - method
                    - provider
                    - identity
                    - documents
                    - address
                    - liveness
                  title: Universal KYC
          multipart/form-data:
            schema:
              oneOf:
                - type: object
                  properties:
                    method:
                      type: string
                      const: MANAGED_KYC
                  required:
                    - method
                  title: Managed KYC
                - type: object
                  properties:
                    method:
                      type: string
                      const: SUMSUB_TOKEN_SHARING
                    token:
                      type: string
                      minLength: 1
                      examples:
                        - _act-sbx-abc123-xyz789
                      description: Sumsub applicant share token
                  required:
                    - method
                    - token
                  title: Sumsub Token Sharing
                - type: object
                  properties:
                    method:
                      type: string
                      const: UNIVERSAL_KYC
                    provider:
                      type: object
                      properties:
                        name:
                          type: string
                          minLength: 1
                          description: >-
                            Name of the KYC provider that performed the
                            verification
                        status:
                          type: string
                          enum:
                            - APPROVED
                            - REJECTED
                            - WARNING
                            - NOT_EXECUTED
                          description: >-
                            Overall verification outcome reported by the
                            provider
                          example: APPROVED
                        data:
                          type: array
                          items:
                            type: object
                            additionalProperties: {}
                          description: Raw verification result payload from the provider
                      required:
                        - name
                        - status
                        - data
                      description: The verification the applicant completed
                    identity:
                      type: object
                      properties:
                        firstName:
                          type: string
                          minLength: 1
                          maxLength: 100
                          description: Given name
                        middleName:
                          description: Middle name
                          type: string
                          maxLength: 100
                        lastName:
                          description: Family name
                          type: string
                          maxLength: 100
                        fullName:
                          type: string
                          minLength: 1
                          maxLength: 200
                          description: Full legal name as verified
                        dateOfBirth:
                          type: string
                          format: date
                          pattern: >-
                            ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          description: Date of birth (YYYY-MM-DD)
                        nationality:
                          description: Nationality
                          type: string
                          minLength: 2
                          maxLength: 2
                          examples:
                            - US
                            - GB
                            - DE
                      required:
                        - firstName
                        - fullName
                        - dateOfBirth
                        - nationality
                      description: Verified identity of the applicant
                    documents:
                      type: object
                      properties:
                        idDocument:
                          type: object
                          properties:
                            type:
                              type: string
                              enum:
                                - PASSPORT
                                - ID_CARD
                                - DRIVERS_LICENCE
                                - RESIDENCE_PERMIT
                              description: Identity document type
                              example: PASSPORT
                            number:
                              type: string
                              minLength: 1
                              maxLength: 50
                              description: Document number as shown on the document
                            country:
                              description: Country that issued the document
                              type: string
                              minLength: 2
                              maxLength: 2
                              examples:
                                - US
                                - GB
                                - DE
                            issuingDate:
                              description: >-
                                Date the document was issued (YYYY-MM-DD), when
                                available
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                            expiryDate:
                              description: >-
                                Date the document expires (YYYY-MM-DD), when
                                applicable
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          required:
                            - type
                            - number
                            - country
                          description: Government-issued identity document
                        proofOfAddress:
                          type: object
                          properties:
                            type:
                              type: string
                              enum:
                                - ID_CARD
                                - DRIVERS_LICENCE
                                - RESIDENCE_PERMIT
                                - UTILITY_BILL
                                - UTILITY_BILL2
                              description: Proof-of-address document type
                              example: ID_CARD
                            number:
                              type: string
                              minLength: 1
                              maxLength: 50
                              description: Document number as shown on the document
                            country:
                              description: Country that issued the document
                              type: string
                              minLength: 2
                              maxLength: 2
                              examples:
                                - US
                                - GB
                                - DE
                            issuingDate:
                              description: >-
                                Date the document was issued (YYYY-MM-DD), when
                                available
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                            expiryDate:
                              description: >-
                                Date the document expires (YYYY-MM-DD), when
                                applicable
                              type: string
                              format: date
                              pattern: >-
                                ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))$
                          required:
                            - type
                            - number
                            - country
                          description: Proof-of-address document
                      required:
                        - idDocument
                        - proofOfAddress
                      description: >-
                        Metadata for the supporting documents uploaded
                        separately
                    address:
                      type: object
                      properties:
                        country:
                          description: Country
                          type: string
                          minLength: 2
                          maxLength: 2
                          examples:
                            - US
                            - GB
                            - DE
                        postCode:
                          description: Postal or ZIP code
                          type: string
                          minLength: 1
                          maxLength: 20
                        street:
                          description: Street
                          type: string
                          minLength: 1
                          maxLength: 200
                        town:
                          description: Town or city
                          type: string
                          maxLength: 100
                        subStreet:
                          description: Additional street line
                          type: string
                          maxLength: 200
                        state:
                          description: State, province, or region
                          type: string
                          maxLength: 100
                        buildingName:
                          description: Building name
                          type: string
                          maxLength: 100
                        flatNumber:
                          description: Flat, unit, or apartment number
                          type: string
                          maxLength: 20
                        buildingNumber:
                          description: Building or house number
                          type: string
                          maxLength: 20
                        formattedAddress:
                          type: string
                          minLength: 1
                          maxLength: 500
                          description: Full address as a single formatted line
                      required:
                        - country
                        - formattedAddress
                      description: Residential address of the applicant
                    liveness:
                      type: object
                      properties:
                        result:
                          type: string
                          enum:
                            - APPROVED
                            - REJECTED
                            - WARNING
                            - NOT_EXECUTED
                          description: Liveness-check outcome
                          example: APPROVED
                        checkedAt:
                          description: >-
                            When the liveness check was performed (ISO 8601).
                            Required unless the check was not executed.
                          type: string
                          format: date-time
                          pattern: >-
                            ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$
                      required:
                        - result
                      description: Result of the applicant liveness check
                    jurisdictionDetails:
                      oneOf:
                        - $ref: '#/components/schemas/MexicoJurisdictionDetails'
                          title: MexicoJurisdictionDetails
                      description: >-
                        Jurisdiction-specific KYC data required for certain BIN
                        countries
                  required:
                    - method
                    - provider
                    - identity
                    - documents
                    - address
                    - liveness
                  title: Universal KYC
      responses:
        '200':
          description: Application state after advancing
          content:
            application/json:
              schema:
                type: object
                properties:
                  provider:
                    examples:
                      - sumsub
                    deprecated: true
                    description: >-
                      Deprecated: use `nextAction.provider`. Populated only when
                      `nextAction.type` is `PROVIDER_SDK`.
                    type: string
                    const: sumsub
                  sdkToken:
                    examples:
                      - _act-sbx-abc123-xyz789
                    deprecated: true
                    description: >-
                      Deprecated: use `nextAction.sdkToken`. Populated only when
                      `nextAction.type` is `PROVIDER_SDK`.
                    type: string
                  status:
                    type: string
                    enum:
                      - NOT_STARTED
                      - AWAITING_DOCUMENTS
                      - IN_REVIEW
                      - APPROVED
                      - REJECTED
                      - RETRY_REQUIRED
                    description: Current KYC application status
                    example: NOT_STARTED
                  nextAction:
                    anyOf:
                      - $ref: '#/components/schemas/ApplicationNextAction'
                        title: ApplicationNextAction
                      - type: 'null'
                    description: >-
                      Action the client must take next, or `null` if none
                      remains
                required:
                  - status
                  - nextAction
        '400':
          description: Response for status 400
          content:
            application/json:
              schema:
                anyOf:
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: INVALID_APPLICATION_STATUS
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: InvalidApplicationStatusError
                    description: User application status does not allow this operation
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: SUMSUB_TOKEN_INVALID
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: SumsubTokenInvalidError
                    description: The Sumsub share token is invalid or has expired
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: INVALID_JURISDICTION_DATA
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: InvalidJurisdictionDataError
                    description: Jurisdiction data is invalid for this card program
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: APPLICATION_SUBMISSION_REJECTED
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: ApplicationSubmissionRejectedError
                    description: The submitted application data was rejected
        '403':
          description: The requested verification method is not enabled for this project
          content:
            application/json:
              schema:
                type: object
                properties:
                  error:
                    type: object
                    properties:
                      code:
                        type: string
                        const: VERIFICATION_METHOD_NOT_ENABLED
                      message:
                        type: string
                      detail:
                        anyOf:
                          - type: object
                            additionalProperties: {}
                          - type: 'null'
                    required:
                      - code
                      - message
                      - detail
                required:
                  - error
                title: VerificationMethodNotEnabledError
        '404':
          description: User not found
          content:
            application/json:
              schema:
                type: object
                properties:
                  error:
                    type: object
                    properties:
                      code:
                        type: string
                        const: USER_NOT_FOUND
                      message:
                        type: string
                      detail:
                        anyOf:
                          - type: object
                            additionalProperties: {}
                          - type: 'null'
                    required:
                      - code
                      - message
                      - detail
                required:
                  - error
                title: UserNotFoundError
        '409':
          description: Response for status 409
          content:
            application/json:
              schema:
                anyOf:
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: USER_APPLICATION_FINALIZING
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: UserApplicationFinalizingError
                    description: >-
                      The user's application is being finalized. Retry in a few
                      seconds.
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: SUMSUB_TOKEN_ALREADY_USED
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: SumsubTokenAlreadyUsedError
                    description: The Sumsub share token has already been used
        '422':
          description: Response for status 422
          content:
            application/json:
              schema:
                anyOf:
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: SUMSUB_APPLICANT_NOT_APPROVED
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: SumsubApplicantNotApprovedError
                    description: >-
                      The Sumsub applicant is not approved and cannot be
                      imported
                  - type: object
                    properties:
                      error:
                        type: object
                        properties:
                          code:
                            type: string
                            const: SUMSUB_TOKEN_LEVEL_MISMATCH
                          message:
                            type: string
                          detail:
                            anyOf:
                              - type: object
                                additionalProperties: {}
                              - type: 'null'
                        required:
                          - code
                          - message
                          - detail
                    required:
                      - error
                    title: SumsubTokenLevelMismatchError
                    description: >-
                      The Sumsub share token does not match the required
                      applicant level
        '503':
          description: Service is temporarily unavailable. Please retry.
          content:
            application/json:
              schema:
                type: object
                properties:
                  error:
                    type: object
                    properties:
                      code:
                        type: string
                        const: SERVICE_UNAVAILABLE
                      message:
                        type: string
                      detail:
                        anyOf:
                          - type: object
                            additionalProperties: {}
                          - type: 'null'
                    required:
                      - code
                      - message
                      - detail
                required:
                  - error
                title: ServiceUnavailableError
components:
  schemas:
    MexicoJurisdictionDetails:
      type: object
      properties:
        jurisdiction:
          type: string
          const: MX
        countryOfBirth:
          description: Country of birth
          type: string
          minLength: 2
          maxLength: 2
          examples:
            - US
            - GB
            - DE
        economicActivity:
          type: string
          minLength: 1
          maxLength: 200
          description: The applicant's occupation or economic activity
        authorityIdIssuer:
          type: string
          enum:
            - INE
            - SRE
          description: Issuer of the government identity document
          example: INE
        uboAttestation:
          type: boolean
          description: >-
            Whether the applicant has attested their ultimate beneficial
            ownership status
        phone:
          description: Contact phone number. Required for Mexican nationals.
          type: string
          minLength: 1
          maxLength: 50
        email:
          description: Contact email address. Required for Mexican nationals.
          type: string
          format: email
          pattern: >-
            ^(?!\.)(?!.*\.\.)([A-Za-z0-9_'+\-\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$
        taxId:
          description: Mexican tax identifier (RFC). Required for Mexican nationals.
          type: string
          pattern: ^[A-Z]{4}\d{6}[A-Z0-9]{3}$
        curp:
          description: >-
            Mexican population registry code (CURP). Required for Mexican
            nationals.
          type: string
          pattern: ^[A-Z0-9]{18}$
      required:
        - jurisdiction
        - countryOfBirth
        - economicActivity
        - authorityIdIssuer
        - uboAttestation
      title: Mexico
    ApplicationNextAction:
      oneOf:
        - $ref: '#/components/schemas/ProviderSdkNextAction'
          title: ProviderSdk
        - $ref: '#/components/schemas/DocumentUploadNextAction'
          title: DocumentUpload
      description: Next action required from the client
      title: Application next action
    ProviderSdkNextAction:
      type: object
      properties:
        type:
          type: string
          const: PROVIDER_SDK
        provider:
          type: string
          enum:
            - SUMSUB
          example: SUMSUB
        sdkToken:
          type: string
          examples:
            - _act-sbx-abc123-xyz789
          description: Token for initializing the provider verification widget
      required:
        - type
        - provider
        - sdkToken
      title: Provider SDK
    DocumentUploadNextAction:
      type: object
      properties:
        type:
          type: string
          const: DOCUMENT_UPLOAD
        documents:
          type: array
          items:
            $ref: '#/components/schemas/UserApplicationDocument'
          description: Supporting documents to upload, each with its current upload state
      required:
        - type
        - documents
      title: Document upload
    UserApplicationDocument:
      type: object
      properties:
        type:
          type: string
          enum:
            - IDENTITY
            - PROOF_OF_ADDRESS
            - CURP
          description: Supporting document category
          example: IDENTITY
        status:
          type: string
          enum:
            - PENDING
            - UPLOADED
          description: Upload state of this document
          example: PENDING
      required:
        - type
        - status
      description: A supporting document and its upload state
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: API key as Bearer token

````