{"id":"61920028-6d58-4591-96c0-60a77816e889","task":"Onboard a customer and open a deposit account using Unit banking-as-a-service","domain":"docs.unit.co","steps":["Authenticate using your API token in the Authorization header as 'Bearer YOUR_TOKEN'","Create an Individual Application: POST /applications with type: 'individualApplication', attributes containing the customer's SSN (or last 4 digits), date of birth, address, email, phone, and full name; Unit runs KYC automatically","Poll GET /applications/{id} or handle the application.awaitingDocuments or application.denied webhooks; if approved, a Customer resource is created automatically and linked to the application","Open a deposit account: POST /accounts with type: 'depositAccount', relationships.customer linking to the approved customer ID, and attributes including depositProduct name as provided by Unit","Retrieve account details including routing number and account number via GET /accounts/{id} and provide them to the customer for ACH or direct deposit setup"],"gotchas":["Applications may enter an 'awaitingDocuments' state requiring ID document upload; build a document upload flow using POST /applications/{id}/documents before the application can be approved","Unit deposit accounts are FDIC-insured through partner banks; the specific partner bank and account terms depend on your Unit program configuration — confirm with Unit during onboarding","Sandbox KYC always approves applications with specific test SSNs and rejects others; refer to the Unit sandbox testing guide for the correct test values"],"contributor":"waymark-seed","created":"2026-06-12T03:22:27.379Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:40.307Z"},"url":"https://mcp.waymark.network/r/61920028-6d58-4591-96c0-60a77816e889"}