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

# Get a card velocity limit

> Retrieve a rule managed by your platform. Rules owned by other platforms or Lightspark return 404.



## OpenAPI

````yaml /openapi.yaml get /card-velocity-limits/{id}
openapi: 3.1.0
info:
  title: Grid API
  description: >
    API for managing global payments on the open Money Grid. Built by
    Lightspark. See the full documentation at https://docs.lightspark.com/.
  version: '2025-10-13'
  contact:
    name: Lightspark Support
    email: support@lightspark.com
  license:
    name: Proprietary
    url: https://lightspark.com/terms
servers:
  - url: https://api.lightspark.com/grid/2025-10-13
    description: Production server
security:
  - BasicAuth: []
  - AgentAuth: []
tags:
  - name: Platform Configuration
    description: >-
      Platform configuration endpoints for managing global settings. You can
      also configure these settings in the Grid dashboard.
  - name: Customers
    description: >-
      Customer management endpoints for creating and updating customer
      information
  - name: Contact Verification
    description: >-
      Endpoints for verifying a customer's email and phone via one-time codes.
      Required only for customers whose payment provider mandates contact
      verification (e.g. EU customers); other providers return 409.
  - name: Strong Customer Authentication
    description: >-
      Endpoints for authorizing money-movement operations that require Strong
      Customer Authentication. Relevant only for customers in a region where SCA
      is required (e.g. EU); customers outside SCA-regulated regions never see
      an SCA challenge and these endpoints return 409.
  - name: KYC/KYB Verifications
    description: >-
      Endpoints for Know Your Customer (KYC) and Know Your Business (KYB)
      verification, including managing beneficial owners and triggering
      verification for customers.
  - name: Documents
    description: >-
      Endpoints for uploading and managing verification documents for customers
      and beneficial owners. Supports KYC and KYB document requirements.
  - name: Internal Accounts
    description: >-
      Internal account management endpoints for creating and managing internal
      accounts
  - name: Periodic Statements
    description: >
      Build, deliver, and evidence a Regulation E periodic statement for a
      customer's internal account. A statement period is a calendar month in US
      Central time (`America/Chicago`).


      A statement is issued for each customer's own USD internal account and
      covers their whole balance. Money received through a rule-based account
      appears on its owner's statement; rule-based, bulk settlement and
      platform-owned accounts have no statement of their own.


      **1. The statement — `GET
      /internal-accounts/{id}/balance-changes?startDate=&endDate=`**


      One row per change to the balance, in the order the money moved, with the
      opening and closing balances for the window in the same response. Page
      until `hasMore` is false, then assert this identity across every page
      before you render anything:


      ```

      openingBalance + Σ(data[].amount) == closingBalance

      ```


      If it does not hold, do not send the statement; contact support instead.
      `startDate` and `endDate` bound a half-open window `[startDate, endDate)`:
      for a monthly statement, pass the first instant of the month and the first
      instant of the following month, both in US Central time (for August 2026,
      `2026-08-01T00:00:00-05:00` and `2026-09-01T00:00:00-05:00`). Grid records
      a statement as fetched only for a window that is exactly one such month.


      **2. The receipt — `POST /internal-accounts/{id}/confirm-statement`**


      Once a month, after you have pulled and issued a period's statement, send
      a receipt with the `statementMonth` it covers. Grid stores it as the
      delivery record for that account and period. Sending it again is harmless:
      the first receipt's time is kept.


      **Timing**


      A window whose card settlement has not closed is refused with `409
      NOT_YET_AVAILABLE` rather than answered with figures that could still
      change; retry once it has settled.
  - name: External Accounts
    description: >-
      External account management endpoints for creating and managing external
      bank accounts
  - name: Same-Currency Transfers
    description: >-
      Deprecated endpoints for transferring funds between internal and external
      accounts with the same currency. Use the quote endpoints under
      Cross-Currency Transfers instead, which now serve same-currency transfers
      as well.
  - name: Cross-Currency Transfers
    description: >-
      Endpoints for creating and confirming quotes for transfers, both
      same-currency and cross-currency
  - name: Transactions
    description: Endpoints for retrieving transaction information
  - name: Webhooks
    description: Webhook endpoints and configuration for receiving notifications
  - name: Invitations
    description: Endpoints for creating, claiming and managing UMA invitations
  - name: Sandbox
    description: Endpoints to trigger test cases in sandbox
  - name: API Tokens
    description: Endpoints to programmatically manage API tokens
  - name: Exchange Rates
    description: >-
      Endpoints for retrieving cached foreign exchange rates. Rates are cached
      for approximately 5 minutes and include platform-specific fees.
  - name: Discoveries
    description: >-
      Endpoints for discovering available payment rails, banks, and providers
      for a given country and currency corridor.
  - name: Embedded Wallet Auth
    description: >-
      Endpoints for registering and verifying end-user authentication
      credentials (email OTP, OAuth, passkey) used to sign Embedded Wallet
      actions.
  - name: Agent Management
    description: >-
      Endpoints for creating and managing agents (experimental), called by the
      partner's backend using platform credentials. Covers the full agent
      lifecycle: creation, policy configuration, pausing, deletion, the device
      code installation flow, and approving or rejecting transactions initiated
      by agents.
  - name: Agent Operations
    description: >-
      Experimental endpoints called by the agent itself using its own
      credentials (obtained via device code redemption). Scoped to the agent's
      associated customer — all requests automatically operate on behalf of that
      customer and are subject to the agent's policy. When an action requires
      approval, the resulting transaction enters a pending state and must be
      approved by the platform via `POST /transactions/{transactionId}/approve`.
  - name: Cards
    description: >-
      Card management endpoints. Issue debit cards against an internal account,
      freeze / unfreeze, close, manage a card's funding source, and list card
      transactions.
  - name: Stablecoins
    description: >-
      Stablecoin issuance endpoints. Link provider accounts, register
      provider-created stablecoins, create direct mint/burn issuer operations,
      and track operation status.
  - name: Embedded Care
    description: |
      A support chat between the cardholder and Lightspark's care agent, driven
      from the partner's own app. The platform calls with its ordinary Grid
      credential, but the person typing is the cardholder rather than the
      caller, so reaching that cardholder's account takes a second proof: an
      SMS code they send into the chat, after which the partner carries a
      session token in the `X-Ls-Care-Session` header.

      **The surface is two routes, and verification happens inside the
      conversation.**

      1. **Open the chat.** `POST /care/chats/{chatId}/messages` with an empty
         `message`, addressed to the cardholder as `Customer:<uuid>`. Returns
         the chat's id and the agent's opening line in `reply`, which is what
         a chat window renders before anybody has typed. Sends no SMS, needs
         no `Idempotency-Key` and consumes none, and is safe to call again: a
         widget that reloaded gets the same chat back, this time without a
         `reply`.
      2. **Send the cardholder's first message.** The same route with their
         text and an `Idempotency-Key` header. One turn runs synchronously and
         the agent's answer comes back in `reply`. On a chat that cannot yet
         reach the account this call also texts the cardholder a code, and the
         agent's `reply` asks for it.
      3. **The cardholder sends the code as an ordinary message.** When it is
         correct, the response to that turn carries `sessionToken` and
         `expiresAt`. Send that token as the `X-Ls-Care-Session` header on
         every message from then on. A code that does not match is answered in
         `reply`, and the cardholder can simply send it again.
      4. **Close the chat** with `DELETE /care/chats/{chatId}` when the
         cardholder is done. Every response also carries `chatEnded`, and the
         agent can end the chat itself: when `chatEnded` is true, the closing
         line is in `reply` and the chat takes no further messages, so stop
         sending to it. An opening addressed to that `CareChat:<id>` answers
         `409 CARE_CHAT_ENDED`; address the cardholder as `Customer:<uuid>`
         to open a new chat.

      **Render `redactedCustomerMessage` if present, then `reply` if
      present.** That one rule covers an opening, a resume and a turn.

      **A cardholder whose code never arrived asks the agent for another
      one.** The agent sends a new code to the number on file and says so in
      its `reply`. There is no separate route for it.

      **The verification fields are optional hints.** `verificationRequired`
      and `codeLength` let an app show a dedicated one-time-code input of the
      right length, marked as a one-time code so iOS and Android offer to fill
      it from the SMS. A partner can ignore them, since the agent asks for the
      code in its reply and says where it went, and the app still sends the
      code as an ordinary message.

      Step 1 is optional. A message addressed to a `Customer:` id opens that
      cardholder's chat if they have none, so a partner whose cardholder has
      just typed something spends one call rather than two.

      A cardholder who has not verified yet is never a `401`, because the
      first message from every new cardholder is unverified and a `401` there
      would be indistinguishable from a bad credential. On these endpoints a
      `401` means the platform's Grid credential is wrong, the session token
      presented is malformed, or a replay lacks the session token its original
      request required.

      **Verification expires, and a lost session is recoverable in the
      chat.** A chat reaches the cardholder's account only while its
      verification is newer than the session lifetime, fifteen minutes in the
      default deployment, which is also how long a session token lives. Past
      that window a message gets a fresh code, and the agent asks the
      cardholder to send it back inside the conversation, which hands the
      partner the next session token. A new message sent with no
      `X-Ls-Care-Session` header, or with a token past its expiry, on a chat
      whose verification is still current is treated the same way: the
      verification is cancelled before the turn runs, a new code is sent, and
      the agent asks for it. So a client that lost its token, or held one too
      long, simply keeps sending messages. Only a token that is malformed, or
      that was minted for another platform, chat or cardholder, is refused.

      Two things an integration has to get right:

      - **Render `redactedCustomerMessage`, never your own copy of what was
        typed.** Grid masks card numbers and other sensitive digit strings in
        it. A UI that renders its own copy of the input instead puts a card
        number the cardholder pasted back on their screen unmasked, and into
        your logs.
      - **The session token is returned once and is never re-readable.** No
        endpoint hands it back, it cannot be revoked, and it is short-lived by
        design. Hold it for the life of the cardholder's session. It arrives
        on the message response to the turn in which the cardholder sent their
        code, and on no other. Losing it costs the cardholder a new code, never
        access to the chat.

      Some things are absent by construction, so no integration can come to
      depend on them: nothing returns a transcript or an earlier turn's reply
      (retrying under the original `Idempotency-Key` is how an answer that was
      produced but not delivered is recovered; a replay requires the same
      session token its original request required and never carries a
      `sessionToken`, so a lost token is recovered by sending the cardholder's
      next message as a new message, which verifies them again), nothing sets
      a verification state, and nothing changes the number a code is sent to.

      Errors from these endpoints carry `code` and `reason` only (see the
      `CareError` schema), unlike the `Error4xx` schemas used elsewhere in this
      specification.
paths:
  /card-velocity-limits/{id}:
    parameters:
      - name: id
        in: path
        required: true
        description: System-generated card velocity rule identifier.
        schema:
          type: string
    get:
      tags:
        - Cards
      summary: Get a card velocity limit
      description: >-
        Retrieve a rule managed by your platform. Rules owned by other platforms
        or Lightspark return 404.
      operationId: getCardVelocityRule
      responses:
        '200':
          description: The requested rule.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CardVelocityRule'
        '400':
          description: Invalid rule or query parameters.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error400'
        '401':
          description: Unauthorized.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error401'
        '403':
          description: Insufficient permission.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error403'
        '404':
          description: Card or rule not found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error404'
        '500':
          description: Internal service error.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error500'
        '501':
          description: Cards are not enabled in this environment.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error501'
      security:
        - BasicAuth: []
components:
  schemas:
    CardVelocityRule:
      description: A platform-managed card velocity rule.
      allOf:
        - $ref: '#/components/schemas/CreateCardVelocityRuleRequest'
        - type: object
          required:
            - id
          properties:
            id:
              type: string
              description: System-generated identifier for the rule.
              example: CardVelocityRule:019542f5-b3e7-1d02-0000-000000000004
    Error400:
      type: object
      required:
        - reason
        - code
      properties:
        code:
          type: string
          description: >
            | Error Code | Description |

            |------------|-------------|

            | INVALID_INPUT | Invalid input provided |

            | END_USER_TERMS_VERSION_NOT_FOUND | The submitted version is not
            supported for the agreement it was sent for |

            | MISSING_MANDATORY_USER_INFO | Required customer information is
            missing |

            | INVITATION_ALREADY_CLAIMED | Invitation has already been claimed |

            | INVITATIONS_NOT_CONFIGURED | Invitations are not configured |

            | INVALID_UMA_ADDRESS | UMA address format is invalid |

            | INVITATION_CANCELLED | Invitation has been cancelled |

            | INVALID_RECEIVER | Receiver is invalid |

            | PARSE_PAYREQ_RESPONSE_ERROR | Error parsing receiver PayReq
            response |

            | CERT_CHAIN_INVALID | Counterparty certificate chain is invalid |

            | CERT_CHAIN_EXPIRED | Counterparty certificate chain has expired |

            | INVALID_PUBKEY_FORMAT | Counterparty Public key format is invalid
            |

            | MISSING_REQUIRED_UMA_PARAMETERS | Counterparty required UMA
            parameters are missing |

            | SENDER_NOT_ACCEPTED | The receiving institution declined this
            sender. Final; a retry returns the same answer |

            | AMOUNT_OUT_OF_RANGE | Amount is out of range |

            | INVALID_CURRENCY | Currency is invalid |

            | INVALID_TIMESTAMP | Timestamp is invalid |

            | INVALID_NONCE | Nonce is invalid |

            | INVALID_REQUEST_FORMAT | Request format is invalid |

            | INVALID_BANK_ACCOUNT | Bank account is invalid |

            | SELF_PAYMENT | Self payment not allowed |

            | PARSE_LNURLP_RESPONSE_ERROR | Error parsing LNURLP response |

            | INVALID_AMOUNT | Amount is invalid |

            | WEBHOOK_ENDPOINT_NOT_SET | Webhook endpoint is not set |

            | WEBHOOK_DELIVERY_ERROR | Webhook delivery error |

            | LOW_QUALITY | Document quality too low to process |

            | DATA_MISMATCH | Document details don't match provided information
            |

            | EXPIRED | Document has expired |

            | SUSPECTED_FRAUD | Document suspected of being forged or edited |

            | UNSUITABLE_DOCUMENT | Document type is not accepted or not
            supported |

            | INCOMPLETE | Document is missing pages or sides |

            | EMAIL_OTP_CREDENTIAL_ALREADY_EXISTS | An EMAIL_OTP credential is
            already registered on the target internal account; only one email
            OTP credential is supported per internal account at this time |

            | SMS_OTP_CREDENTIAL_ALREADY_EXISTS | An SMS_OTP credential is
            already registered on the target internal account; only one SMS OTP
            credential is supported per internal account at this time |

            | PASSKEY_CREDENTIAL_ALREADY_EXISTS | A PASSKEY credential with the
            same WebAuthn credentialId is already registered on the target
            internal account |

            | AUTH_CREDENTIAL_VERIFICATION_REQUIRED | The new email or phone
            number has no verified replacement credential |

            | AUTH_CREDENTIAL_VERIFICATION_EXPIRED | The replacement
            credential's verification has expired |

            | STABLECOIN_PROVIDER_ACCOUNT_INVALID | The stablecoin provider
            account link is not usable |

            | STABLECOIN_PROVIDER_ACCOUNT_REVOKED | The stablecoin provider
            account link has been revoked |

            | STABLECOIN_PROVIDER_ACCOUNT_SELECTION_REQUIRED | Multiple active
            provider account links exist; pass `stablecoinProviderAccountId` to
            select one |

            | CARDHOLDER_KYC_NOT_APPROVED | The cardholder's KYC status is not
            `APPROVED`, so a card cannot be issued |

            | ACCOUNTHOLDER_AGREEMENT_NOT_ACCEPTED | The customer create request
            omits an accountholder agreement its accounts require |

            | CARDHOLDER_AGREEMENT_NOT_ACCEPTED | The customer has not accepted
            the cardholder agreement the platform requires before a card is
            issued |

            | TRANSACTION_SIZE_LIMIT_EXCEEDED | The requested amount exceeds the
            configured maximum single-transaction amount for this trade corridor
            or withdrawal currency |

            | EXTERNAL_ACCOUNT_VERIFICATION_REQUIRED | The destination account's
            ownership must be verified before this transfer can proceed |

            | INSUFFICIENT_FUNDS | Insufficient funds for this operation |

            | QUOTE_EXPIRED | The quote has expired; request a new quote |

            | QUOTE_RATE_UNAVAILABLE | No exchange rate is available for this
            corridor right now |

            | STABLECOIN_AMOUNT_NOT_REPRESENTABLE | The amount cannot be
            represented at the token's precision |

            | STABLECOIN_BURN_SOURCE_NOT_SUPPORTED | The burn source account
            cannot be used for this operation |

            | STABLECOIN_EXTERNAL_ACCOUNT_LINK_FAILED | Linking the external
            account for stablecoin operations failed |

            | STABLECOIN_EXTERNAL_ACCOUNT_LINK_METHOD_REQUIRED | The external
            account needs a link method before it can be used |

            | STABLECOIN_EXTERNAL_ACCOUNT_NOT_LINKED | The external account is
            not linked for stablecoin operations |

            | STABLECOIN_EXTERNAL_ACCOUNT_NOT_SUPPORTED | This external account
            type is not supported for stablecoin operations |

            | STABLECOIN_EXTERNAL_ACCOUNT_PROVIDER_LINK_FAILED | The provider
            could not link the external account |

            | STABLECOIN_EXTERNAL_ACCOUNT_PROVIDER_LINK_REQUIRED | The external
            account must be linked with the provider first |

            | STABLECOIN_GRID_OPERATIONS_NOT_ENABLED | The stablecoin is not
            enabled for Grid operations |

            | STABLECOIN_NOT_PROVISIONED | The stablecoin is not provisioned for
            issuer operations |

            | STABLECOIN_OPERATION_NOT_SUPPORTED | The stablecoin does not
            support this operation |

            | STABLECOIN_PROVIDER_ERROR | The stablecoin provider rejected the
            operation |

            | STABLECOIN_PROVIDER_SOURCE_NOT_LINKED | The provider source
            account is not linked |

            | STABLECOIN_VERIFICATION_FAILED | The stablecoin could not be
            verified with the provider |

            | DOCUMENTS_REQUIRED | The destination requires supporting documents
            for the quote's `purposeOfPayment` that the request did not supply.
            `details.missingRequirements` lists the requirement ID of each one |

            | EXACT_AMOUNT_UNAVAILABLE | The quote cannot deliver exactly the
            requested receiving amount at the current rate; quote again shortly
            or lock the sending amount |
          enum:
            - INVALID_INPUT
            - END_USER_TERMS_VERSION_NOT_FOUND
            - MISSING_MANDATORY_USER_INFO
            - INVITATION_ALREADY_CLAIMED
            - INVITATIONS_NOT_CONFIGURED
            - INVALID_UMA_ADDRESS
            - INVITATION_CANCELLED
            - INVALID_RECEIVER
            - PARSE_PAYREQ_RESPONSE_ERROR
            - CERT_CHAIN_INVALID
            - CERT_CHAIN_EXPIRED
            - INVALID_PUBKEY_FORMAT
            - MISSING_REQUIRED_UMA_PARAMETERS
            - SENDER_NOT_ACCEPTED
            - AMOUNT_OUT_OF_RANGE
            - INVALID_CURRENCY
            - INVALID_TIMESTAMP
            - INVALID_NONCE
            - INVALID_REQUEST_FORMAT
            - INVALID_BANK_ACCOUNT
            - SELF_PAYMENT
            - PARSE_LNURLP_RESPONSE_ERROR
            - INVALID_AMOUNT
            - WEBHOOK_ENDPOINT_NOT_SET
            - WEBHOOK_DELIVERY_ERROR
            - LOW_QUALITY
            - DATA_MISMATCH
            - EXPIRED
            - SUSPECTED_FRAUD
            - UNSUITABLE_DOCUMENT
            - INCOMPLETE
            - EMAIL_OTP_CREDENTIAL_ALREADY_EXISTS
            - SMS_OTP_CREDENTIAL_ALREADY_EXISTS
            - PASSKEY_CREDENTIAL_ALREADY_EXISTS
            - AUTH_CREDENTIAL_VERIFICATION_REQUIRED
            - AUTH_CREDENTIAL_VERIFICATION_EXPIRED
            - STABLECOIN_PROVIDER_ACCOUNT_INVALID
            - STABLECOIN_PROVIDER_ACCOUNT_REVOKED
            - STABLECOIN_PROVIDER_ACCOUNT_SELECTION_REQUIRED
            - CARDHOLDER_KYC_NOT_APPROVED
            - ACCOUNTHOLDER_AGREEMENT_NOT_ACCEPTED
            - CARDHOLDER_AGREEMENT_NOT_ACCEPTED
            - TRANSACTION_SIZE_LIMIT_EXCEEDED
            - EXTERNAL_ACCOUNT_VERIFICATION_REQUIRED
            - INSUFFICIENT_FUNDS
            - QUOTE_EXPIRED
            - QUOTE_RATE_UNAVAILABLE
            - STABLECOIN_AMOUNT_NOT_REPRESENTABLE
            - STABLECOIN_BURN_SOURCE_NOT_SUPPORTED
            - STABLECOIN_EXTERNAL_ACCOUNT_LINK_FAILED
            - STABLECOIN_EXTERNAL_ACCOUNT_LINK_METHOD_REQUIRED
            - STABLECOIN_EXTERNAL_ACCOUNT_NOT_LINKED
            - STABLECOIN_EXTERNAL_ACCOUNT_NOT_SUPPORTED
            - STABLECOIN_EXTERNAL_ACCOUNT_PROVIDER_LINK_FAILED
            - STABLECOIN_EXTERNAL_ACCOUNT_PROVIDER_LINK_REQUIRED
            - STABLECOIN_GRID_OPERATIONS_NOT_ENABLED
            - STABLECOIN_NOT_PROVISIONED
            - STABLECOIN_OPERATION_NOT_SUPPORTED
            - STABLECOIN_PROVIDER_ERROR
            - STABLECOIN_PROVIDER_SOURCE_NOT_LINKED
            - STABLECOIN_VERIFICATION_FAILED
            - DOCUMENTS_REQUIRED
            - EXACT_AMOUNT_UNAVAILABLE
        reason:
          type: string
          description: Error message
        details:
          type: object
          description: >-
            Additional error details. Shape varies by `code`. For
            field-validation errors on submit endpoints (e.g. `POST /customers`,
            `PATCH /customers/{id}`), `details.errors[]` enumerates every
            invalid field so platforms can render form-field-level UX for the
            entire request in a single round-trip.
          properties:
            errors:
              type: array
              description: >-
                One entry per invalid field. Present on field-validation errors
                from submit endpoints.
              items:
                $ref: '#/components/schemas/FieldError'
            missingRequirements:
              type: array
              description: >-
                The requirement ID of each required document that the quote
                request did not supply. Present on `DOCUMENTS_REQUIRED`.
              items:
                $ref: '#/components/schemas/PaymentDocumentRequirementId'
          additionalProperties: true
    Error401:
      type: object
      required:
        - reason
        - code
      properties:
        code:
          type: string
          description: >
            | Error Code | Description |

            |------------|-------------|

            | UNAUTHORIZED | Issue with API credentials |

            | INVALID_SIGNATURE | Signature header is invalid |

            | WALLET_SIGNATURE_MISSING | The `Grid-Wallet-Signature` header is
            required for this Embedded Wallet action but was not supplied |

            | WALLET_SIGNATURE_MALFORMED | The `Grid-Wallet-Signature` header
            could not be parsed (bad encoding, structure, or fields) |

            | WALLET_SIGNATURE_BODY_MISMATCH | The `Grid-Wallet-Signature` was
            computed over a different request body than the one received |

            | WALLET_SIGNATURE_INVALID | The `Grid-Wallet-Signature` failed
            cryptographic verification against the registered credential |

            | REQUEST_ID_MISSING | The `Request-Id` header is required on the
            signed retry but was not supplied (paired with
            `Grid-Wallet-Signature`) |
          enum:
            - UNAUTHORIZED
            - INVALID_SIGNATURE
            - WALLET_SIGNATURE_MISSING
            - WALLET_SIGNATURE_MALFORMED
            - WALLET_SIGNATURE_BODY_MISMATCH
            - WALLET_SIGNATURE_INVALID
            - REQUEST_ID_MISSING
        reason:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error403:
      type: object
      required:
        - reason
        - code
      properties:
        code:
          type: string
          description: >
            | Error Code | Description |

            |------------|-------------|

            | FORBIDDEN | Insufficient permissions |

            | USER_NOT_READY | Customer exists but is not ready for operation |

            | COUNTERPARTY_NOT_ALLOWED | Counterparty has not been enabled for
            your account |

            | VELOCITY_LIMIT_EXCEEDED | Counterparty has exceeded velocity
            limits |

            | END_USER_TERMS_NOT_ACCEPTED | Customer has not accepted the End
            User Terms |

            | CUSTOMER_NOT_VERIFIED | The customer is not verified and cannot
            perform this action |

            | SANCTION_BLOCKED | Blocked by sanction screening |

            | DESTINATION_NOT_ALLOWED | The agent may not pay this destination |
          enum:
            - FORBIDDEN
            - USER_NOT_READY
            - COUNTERPARTY_NOT_ALLOWED
            - VELOCITY_LIMIT_EXCEEDED
            - END_USER_TERMS_NOT_ACCEPTED
            - CUSTOMER_NOT_VERIFIED
            - SANCTION_BLOCKED
            - DESTINATION_NOT_ALLOWED
        reason:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error404:
      type: object
      required:
        - reason
        - code
      properties:
        code:
          type: string
          description: >
            | Error Code | Description |

            |------------|-------------|

            | TRANSACTION_NOT_FOUND | Transaction not found |

            | INVITATION_NOT_FOUND | Invitation not found |

            | USER_NOT_FOUND | Customer not found |

            | QUOTE_NOT_FOUND | Quote not found |

            | LOOKUP_REQUEST_NOT_FOUND | Lookup request not found |

            | TOKEN_NOT_FOUND | Token not found |

            | BULK_UPLOAD_JOB_NOT_FOUND | Bulk upload job not found |

            | REFERENCE_NOT_FOUND | Reference not found |

            | UMA_NOT_FOUND | The UMA address is well-formed but no receiver
            exists at the counterparty VASP |

            | STABLECOIN_PROVIDER_ACCOUNT_NOT_FOUND | Stablecoin provider
            account link not found |

            | ACCOUNT_NOT_FOUND | Account not found |

            | AUTH_METHOD_NOT_FOUND | Authentication credential not found |

            | CUSTOMER_NOT_FOUND | Customer not found |

            | DOCUMENT_HOLDER_NOT_FOUND | Document holder not found |

            | NOT_FOUND | The requested resource was not found |

            | PAYMENT_URL_NOT_FOUND | Payment URL not found |

            | PLATFORM_NOT_FOUND | Platform not found |

            | REQUEST_NOT_FOUND | Pending request not found |

            | SESSION_NOT_FOUND | Session not found |

            | STABLECOIN_EXTERNAL_ACCOUNT_NOT_FOUND | Stablecoin external
            account not found |

            | STABLECOIN_NOT_FOUND | Stablecoin not found |

            | STABLECOIN_OPERATION_NOT_FOUND | Stablecoin operation not found |

            | VERIFICATION_NOT_FOUND | Verification not found |

            | PAYMENT_DOCUMENT_NOT_FOUND | Payment document not found |
          enum:
            - TRANSACTION_NOT_FOUND
            - INVITATION_NOT_FOUND
            - USER_NOT_FOUND
            - QUOTE_NOT_FOUND
            - LOOKUP_REQUEST_NOT_FOUND
            - TOKEN_NOT_FOUND
            - BULK_UPLOAD_JOB_NOT_FOUND
            - REFERENCE_NOT_FOUND
            - UMA_NOT_FOUND
            - STABLECOIN_PROVIDER_ACCOUNT_NOT_FOUND
            - ACCOUNT_NOT_FOUND
            - AUTH_METHOD_NOT_FOUND
            - CUSTOMER_NOT_FOUND
            - DOCUMENT_HOLDER_NOT_FOUND
            - NOT_FOUND
            - PAYMENT_URL_NOT_FOUND
            - PLATFORM_NOT_FOUND
            - REQUEST_NOT_FOUND
            - SESSION_NOT_FOUND
            - STABLECOIN_EXTERNAL_ACCOUNT_NOT_FOUND
            - STABLECOIN_NOT_FOUND
            - STABLECOIN_OPERATION_NOT_FOUND
            - VERIFICATION_NOT_FOUND
            - PAYMENT_DOCUMENT_NOT_FOUND
        reason:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error500:
      type: object
      required:
        - reason
        - code
      properties:
        code:
          type: string
          description: |
            | Error Code | Description |
            |------------|-------------|
            | GRID_SWITCH_ERROR | Grid switch error |
            | INTERNAL_ERROR | Internal server or UMA error |
          enum:
            - GRID_SWITCH_ERROR
            - INTERNAL_ERROR
        reason:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error501:
      type: object
      required:
        - reason
        - code
      properties:
        code:
          type: string
          description: >
            | Error Code | Description |

            |------------|-------------|

            | UNRECOGNIZED_MANDATORY_PAYEE_DATA_KEY | Unrecognized mandatory
            payee data key |

            | NOT_IMPLEMENTED | Feature not implemented |

            | UNRECOGNIZED_MANDATORY_COUNTERPARTY_DATA_KEY | The counterparty
            requires a data key Grid does not recognise |
          enum:
            - UNRECOGNIZED_MANDATORY_PAYEE_DATA_KEY
            - NOT_IMPLEMENTED
            - UNRECOGNIZED_MANDATORY_COUNTERPARTY_DATA_KEY
        reason:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    CreateCardVelocityRuleRequest:
      type: object
      required:
        - name
        - metric
        - window
      properties:
        cardId:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Card to restrict. Omit or send null to apply the rule separately to
            every eligible card on your platform, including cards issued later.
            A platform rule does not pool usage across cards.
          example: Card:019542f5-b3e7-1d02-0000-000000000003
        name:
          type: string
          minLength: 1
          maxLength: 255
          description: >-
            A descriptive label for this rule. Whitespace-only names are
            rejected.
          example: Weekly card spending cap
        metric:
          $ref: '#/components/schemas/CardVelocityMetric'
        window:
          $ref: '#/components/schemas/CardVelocityWindow'
        windowSeconds:
          anyOf:
            - type: integer
              minimum: 1
              maximum: 2678400
            - type: 'null'
          description: >-
            Required for ROLLING and absent or null for other windows. The
            maximum rolling window is 31 days.
          example: 600
        maxCount:
          anyOf:
            - type: integer
              minimum: 0
              maximum: 100000
            - type: 'null'
          description: >-
            Maximum count within the window. Required for ATTEMPTS. Cannot be
            set for AUTHORIZATION. Omit or send null to leave the count
            uncapped.
          example: 5
        maxAmount:
          anyOf:
            - type: integer
              format: int64
              minimum: 0
              maximum: 9007199254740991
            - type: 'null'
          description: >-
            Maximum amount in the smallest unit of the card's currency.
            Supported for APPROVED only. Platform rules apply this amount
            separately to each eligible card in that card's currency, without
            foreign-exchange conversion. USD- and USDB-funded USD cards both use
            USD cents. The amount is holds less releases for transactions opened
            within the window. Releases restore capacity; clearing against a
            hold does not. Omit or send null to leave the amount uncapped. At
            least one of maxCount or maxAmount must be set. A zero cap blocks
            applicable new authorizations, including zero-amount checks.
          example: 50000
    FieldError:
      type: object
      required:
        - field
      description: >-
        One field-level validation failure. Field-validation errors on submit
        endpoints (e.g. `POST /customers`, `PATCH /customers/{id}`) emit an
        array of these under `details.errors` so platforms can render
        form-field-level UX for every failure in a single round-trip.
      properties:
        field:
          type: string
          description: Dot-notation path to the offending field.
          example: identifier
        constraint:
          $ref: '#/components/schemas/FieldConstraint'
        message:
          type: string
          description: Human-readable explanation of what's wrong with this field.
          example: Value is not one of the allowed enum members.
    PaymentDocumentRequirementId:
      type: string
      description: >-
        A stable identifier for one required document within a purpose's
        requirements. The same ID means the same requirement across quotes. It
        is separate from `PaymentDocumentType`. The requirement ID names the
        document to supply, and the document type names what a file is. The two
        differ where a requirement accepts alternatives. For example, a file
        declared as either `PURCHASE_ORDER` or `DELIVERY_SLIP` fills the
        `SUPPORTING_PROOF` requirement.


        [Supporting
        Documents](https://docs.lightspark.com/payouts-and-b2b/payment-flow/send-payment#supporting-documents)
        lists the IDs each purpose requires.


        Treat the ID as an opaque value, not a member of a fixed list. Grid may
        add new IDs as requirements change.
      example: SUPPORTING_PROOF
    CardVelocityMetric:
      type: string
      description: >-
        ATTEMPTS counts every real-time authorization request, including
        declined requests. APPROVED counts distinct approved authorizations,
        including zero-amount authorizations, and can also cap the amount they
        hold.
      enum:
        - ATTEMPTS
        - APPROVED
    CardVelocityWindow:
      type: string
      description: >-
        AUTHORIZATION caps one authorization amount. ROLLING covers the trailing
        windowSeconds. Calendar windows use UTC: DAY starts at midnight, WEEK on
        Monday, MONTH on the first, QUARTER in January/April/July/October, and
        YEAR on January 1.
      enum:
        - AUTHORIZATION
        - ROLLING
        - DAY
        - WEEK
        - MONTH
        - QUARTER
        - YEAR
    FieldConstraint:
      type: object
      description: >-
        Machine-readable validator hint accompanying a 400 `INVALID_INPUT`
        error. Consumers use it to drive form UI (input types, dropdowns,
        masking, length limits) and to pre-validate the field client-side before
        re-submitting. Fields are additive.
      properties:
        format:
          type: string
          description: >-
            Named format the value must satisfy — HTML5 input type names
            (`email`, `tel`, `url`, `date`, ...) or semantic slugs
            (`iso3166-1-alpha-2`, `bcp47-language-tag`, `us-ssn`, `e.164`).
          example: email
        pattern:
          type: string
          description: Regular expression the value must match (JavaScript-flavor).
          example: ^\d{5}(-\d{4})?$
        enum:
          type: array
          items:
            type: string
          description: Allowed values when the field is drawn from a fixed set.
          example:
            - SSN
            - ITIN
            - NON_US_TAX_ID
        minLength:
          type: integer
          description: Minimum length in characters.
          example: 1
        maxLength:
          type: integer
          description: Maximum length in characters.
          example: 500
  securitySchemes:
    BasicAuth:
      type: http
      scheme: basic
      description: >-
        API token authentication using format `<api token id>:<api client
        secret>`
    AgentAuth:
      type: http
      scheme: bearer
      description: >-
        Bearer token authentication for agent-scoped endpoints. The token is the
        `accessToken` returned when redeeming a device code via `POST
        /agents/device-codes/redeem`. Agent credentials are user-scoped: all
        requests are automatically bound to the agent's associated customer and
        subject to the agent's policy.

````

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