Asynchronous issuance

A 201 response creates an account request; it does not confirm activation. Save data.id and track the existing account through Fetch Bank Account and Issuance Events. Bank details may be null while status is pending. Only display funding instructions after the account is active.

Prepare the holder using the USD person requirements. New personal USD issuance may require RFIs. List them with account_id, handle standard responses or hosted links, and wait for account.created or account.issuance.failed. Completing an inquiry is not proof that the account is active.

If a create request times out, check List Bank Accounts for the holder before retrying; do not blindly create another request.

New live EUR account requests are currently unavailable. Existing EUR accounts and test EUR requests are unchanged.

Sandbox RFI options

For test person USD accounts only, pass either sandbox_scenario or sandbox_options. These options are not accepted for live, business, or other-currency requests. Omitting both preserves ordinary test issuance and its holder/document prerequisites.

Example request body (use an existing test person ID):

{
  "person_id": "<TEST_PERSON_ID>",
  "label": "Sandbox RFI success",
  "currency": "USD",
  "autosweep_enabled": false,
  "sandbox_scenario": "rfi_success"
}

To customise the sequence, use sandbox_options instead:

{
  "person_id": "<TEST_PERSON_ID>",
  "label": "Custom sandbox RFI sequence",
  "currency": "USD",
  "autosweep_enabled": false,
  "sandbox_options": {
    "rfi_sequence": [
      {"type": "standard"},
      {"type": "link", "link_status": "expired"}
    ],
    "outcome": "success"
  }
}

rfi_sequence accepts 1–10 step objects; types may repeat. Each step has type: standard|link. Only link steps accept link_status: available|expired (default available). outcome is success (default) or rejected. An empty sandbox_options object uses standard then available-link steps and success. Supplying both options, string-array steps, a global link status, or invalid values returns 400.

Each RFI appears only when its turn begins. All steps must complete before the selected final outcome. Sandbox hosted links expire 14 days after issuance or refresh. Refresh preserves the inquiry ID and invalidates that step's old link.