Submit a customer onboarding application

{
  "id": "<string>",
  "status": "pending",
  "createdAt": "2026-01-15T09:30:00.000Z",
  "updatedAt": "2026-01-15T09:30:00.000Z",
  "type": "customer_onboarding",
  "clientReferenceId": "ext-12345",
  "submittedAt": "2026-01-15T09:30:00.000Z",
  "failureCode": "rejected_by_ops",
  "failureMessage": "<string>",
  "resubmittable": true,
  "reviewStage": "automated",
  "customerId": "<string>",
  "persons": [
    {
      "referenceId": "<string>",
      "name": "<string>"
    }
  ],
  "resubmissionGuidance": "<string>",
  "reviewQuestions": [
    "<string>"
  ]
}

{
  "type": "INVALID_OID_FORMAT",
  "title": "Invalid Object ID Format",
  "status": 400,
  "detail": "A path or query parameter expected a valid object identifier but received a value that does not match the expected format.",
  "resolution": "Verify that all IDs in the request URL and query parameters are correctly formatted. IDs are typically prefixed strings like 'cus_...', 'app_...', or 'doc_...'.",
  "docs": "https://v2.docs.conduit.financial/errors#invalid-oid-format",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "API_KEY_MISSING",
  "title": "API Key Missing",
  "status": 401,
  "detail": "The request did not include an API key. All API requests must be authenticated.",
  "resolution": "Include your API key in the 'x-api-key' header with every request.",
  "docs": "https://v2.docs.conduit.financial/errors#api-key-missing",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "ORGANIZATION_ACCESS_SUSPENDED",
  "title": "Organization Access Suspended",
  "status": 403,
  "detail": "Conduit has suspended this organization's access. Requests with the organization's API keys and from its users are refused until Conduit restores access.",
  "resolution": "Contact Conduit support.",
  "docs": "https://v2.docs.conduit.financial/errors#organization-access-suspended",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "NOT_FOUND",
  "title": "Not Found",
  "status": 404,
  "detail": "The requested resource does not exist or you do not have access to it.",
  "resolution": "Check that the resource ID in the URL is correct. The resource may have been deleted or may belong to a different account.",
  "docs": "https://v2.docs.conduit.financial/errors#not-found",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "IDEMPOTENCY_KEY_CONFLICT",
  "title": "Idempotency Key Conflict",
  "status": 409,
  "detail": "The idempotency key was previously used with a different request body, and that request succeeded or ended in a `5xx`. A `4xx` response does not bind the key. Idempotency keys are bound to the exact request shape — replays must match the original.",
  "resolution": "Use a fresh idempotency key for the new request, or replay the original request unchanged.",
  "docs": "https://v2.docs.conduit.financial/errors#idempotency-key-conflict",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "UNSUPPORTED_MEDIA_TYPE",
  "title": "Unsupported Media Type",
  "status": 415,
  "detail": "The request carries a body with a Content-Type this endpoint cannot parse. JSON endpoints accept 'application/json'; a body with no Content-Type header at all is assumed to be JSON. File-upload endpoints accept only 'multipart/form-data' — JSON or undeclared bodies are rejected there.",
  "resolution": "Send the request body with the 'Content-Type: application/json' header. For file uploads, use 'Content-Type: multipart/form-data' — upload endpoints accept no other body type.",
  "docs": "https://v2.docs.conduit.financial/errors#unsupported-media-type",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}

{
  "type": "ONBOARDING_NOT_READY",
  "title": "Onboarding Not Ready",
  "status": 422,
  "detail": "The onboarding submission cannot be completed because one or more required fields or documents are still missing, or a submitted value is not one of the accepted options for a closed-set field (e.g. a country-specific field like `companyClassification.legalStructure`). Each blocker is reported per field in `errors[]` with a `category` and, for closed-set fields, the accepted `allowedValues`.",
  "resolution": "Use the onboarding requirements endpoint to check which fields and documents are required and which values each field accepts, then submit valid values before retrying.",
  "docs": "https://v2.docs.conduit.financial/errors#onboarding-not-ready",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z",
  "errors": [
    {
      "pointer": "/businessInfo/taxId",
      "detail": "Tax ID is required",
      "category": "field"
    },
    {
      "pointer": "/documentIds",
      "detail": "At least one document is required",
      "category": "document"
    }
  ]
}

{
  "type": "RATE_LIMITED",
  "title": "Rate Limited",
  "status": 429,
  "detail": "Too many requests. This error is returned by three independent checks: the per-organization bucket applied to every authenticated API request; the per-IP bucket applied to unauthenticated traffic before an API key is validated; and the per-IP bucket applied when repeated invalid API keys are submitted from the same address. Honor the Retry-After header (also exposed as retryAfterSeconds in the body) before retrying. Current limits and remaining budget are visible in X-RateLimit-Limit (the bucket size), X-RateLimit-Remaining, and X-RateLimit-Reset (seconds until the bucket refills) on every response once your API key is accepted.",
  "resolution": "Sleep until Retry-After seconds have elapsed, then retry. For sustained workloads exceeding the per-organization defaults, request a rate-limit increase through your support contact.",
  "docs": "https://v2.docs.conduit.financial/errors#rate-limited",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z",
  "retryAfterSeconds": 3
}

{
  "type": "INTERNAL_ERROR",
  "title": "Internal Error",
  "status": 500,
  "detail": "An unexpected error occurred while processing your request.",
  "resolution": "Retry the request after a brief delay. If the error persists, contact support and include the correlationId from the error response for investigation.",
  "docs": "https://v2.docs.conduit.financial/errors#internal-error",
  "instance": "/v2/...",
  "correlationId": "00469ea4-52c1-4ffa-bd05-9f28b236a5fe",
  "timestamp": "2026-01-15T09:30:00.000Z"
}