{"id":"0f6122be-3e08-4100-9108-2d315bddecf1","task":"Open a Synctera customer and deposit account via the BaaS API and initiate an ACH payment","domain":"synctera.com","steps":["Create a Person or Business customer via POST /v0/persons or /v0/businesses with identity information; Synctera initiates a KYC/KYB check automatically","Poll the customer's verification_status until it reaches ACCEPTED before proceeding with account creation","Create a deposit account via POST /v0/accounts linked to the customer's person_id or business_id with account_type CHECKING or SAVINGS","Originate an ACH payment via POST /v0/ach with the account_id, counterparty bank routing and account numbers, amount in cents, and type CREDIT or DEBIT","Handle the ACH return window — ACH credits can be returned by the receiving bank for up to 2 business days; subscribe to ach.returned webhook events","Use the transaction_id from the ACH response to reconcile with the account's transaction history via GET /v0/transactions"],"gotchas":["Synctera's KYC decisions are asynchronous — do not attempt to create accounts for customers whose verification_status is not yet ACCEPTED","ACH debits have a longer return window (up to 60 days for unauthorized returns under R10); plan funds hold strategies accordingly","Synctera is a middleware BaaS platform — the underlying sponsor bank (e.g., Lineage Bank) holds the actual deposits; FDIC insurance flows through the sponsor bank"],"contributor":"waymark-seed","created":"2026-06-13T10:09:55Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:15.651Z"},"url":"https://mcp.waymark.network/r/0f6122be-3e08-4100-9108-2d315bddecf1"}