> ## 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.

# Update a card

> Update a card's `state` and / or its bound `fundingSources`. At least one of the two fields must be supplied.

- `state` transitions are limited to `ACTIVE ⇄ FROZEN` and `ACTIVE | FROZEN → CLOSED`. `CLOSED` is terminal and irreversible. Any other transition returns `409 INVALID_STATE_TRANSITION`.
- `fundingSources`, when supplied, fully replaces the card's bound funding sources. Array order determines the priority Authorization Decisioning tries them in. Each id must belong to the cardholder and be denominated in the card's currency; the list must contain at least one source. `fundingSources` cannot be supplied alongside `state: CLOSED`.

Because both updates are sensitive state changes, this endpoint uses Grid's 202 → signed-retry pattern (same shape as `DELETE /auth/credentials/{id}` and `POST /internal-accounts/{id}/export`):

1. Call `PATCH /cards/{id}` with the target fields and no signing headers. The response is `202` with a `payloadToSign`, `requestId`, and `expiresAt`.

2. Sign the `payloadToSign` with the session private key of a verified authentication credential on the card's owning internal account and retry with the signature as the `Grid-Wallet-Signature` header and the `requestId` echoed back as the `Request-Id` header. The signed retry returns `200` with the updated `Card`.

Effects:
- `state: FROZEN`: Authorization Decisioning declines new auths with `CARD_PAUSED`. Existing pulls and in-flight reconciliation continue — freezing does not pause the lifecycle of authorizations that already passed.
- `state: ACTIVE`: normal authorization behavior resumes.
- `state: CLOSED`: terminal close. The card transitions to `state: "CLOSED"` with `stateReason: "CLOSED_BY_PLATFORM"` and stays in the system for audit and reconciliation. All pending auths reconcile to a terminal state via the existing reconcile primitive. Inbound clearings received after close follow the standard force-post / late-presentment path — Lightspark absorbs the loss if a post-hoc pull on the now-unbound source fails. Funding-source bindings are detached. Refunds already in flight still complete because Lightspark holds the card-reserve keys.
- `fundingSources` change: emits `card.funding_source_change` reflecting the new ordered binding.

The `card.state_change` webhook fires on every successful `state` transition; the `card.funding_source_change` webhook fires whenever `fundingSources` is updated.




## OpenAPI

````yaml https://app.stainless.com/api/spec/documented/grid/openapi.documented.yml patch /cards/{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: 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: External Accounts
    description: >-
      External account management endpoints for creating and managing external
      bank accounts
  - name: Same-Currency Transfers
    description: >-
      Endpoints for transferring funds between internal and external accounts
      with the same currency
  - name: Cross-Currency Transfers
    description: Endpoints for creating and confirming quotes for cross-currency transfers
  - 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: >-
      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 card funding sources, and list card
      transactions.
paths:
  /cards/{id}:
    parameters:
      - name: id
        in: path
        description: System-generated unique card identifier
        required: true
        schema:
          type: string
    patch:
      tags:
        - Cards
      summary: Update a card
      description: >
        Update a card's `state` and / or its bound `fundingSources`. At least
        one of the two fields must be supplied.


        - `state` transitions are limited to `ACTIVE ⇄ FROZEN` and `ACTIVE |
        FROZEN → CLOSED`. `CLOSED` is terminal and irreversible. Any other
        transition returns `409 INVALID_STATE_TRANSITION`.

        - `fundingSources`, when supplied, fully replaces the card's bound
        funding sources. Array order determines the priority Authorization
        Decisioning tries them in. Each id must belong to the cardholder and be
        denominated in the card's currency; the list must contain at least one
        source. `fundingSources` cannot be supplied alongside `state: CLOSED`.


        Because both updates are sensitive state changes, this endpoint uses
        Grid's 202 → signed-retry pattern (same shape as `DELETE
        /auth/credentials/{id}` and `POST /internal-accounts/{id}/export`):


        1. Call `PATCH /cards/{id}` with the target fields and no signing
        headers. The response is `202` with a `payloadToSign`, `requestId`, and
        `expiresAt`.


        2. Sign the `payloadToSign` with the session private key of a verified
        authentication credential on the card's owning internal account and
        retry with the signature as the `Grid-Wallet-Signature` header and the
        `requestId` echoed back as the `Request-Id` header. The signed retry
        returns `200` with the updated `Card`.


        Effects:

        - `state: FROZEN`: Authorization Decisioning declines new auths with
        `CARD_PAUSED`. Existing pulls and in-flight reconciliation continue —
        freezing does not pause the lifecycle of authorizations that already
        passed.

        - `state: ACTIVE`: normal authorization behavior resumes.

        - `state: CLOSED`: terminal close. The card transitions to `state:
        "CLOSED"` with `stateReason: "CLOSED_BY_PLATFORM"` and stays in the
        system for audit and reconciliation. All pending auths reconcile to a
        terminal state via the existing reconcile primitive. Inbound clearings
        received after close follow the standard force-post / late-presentment
        path — Lightspark absorbs the loss if a post-hoc pull on the now-unbound
        source fails. Funding-source bindings are detached. Refunds already in
        flight still complete because Lightspark holds the card-reserve keys.

        - `fundingSources` change: emits `card.funding_source_change` reflecting
        the new ordered binding.


        The `card.state_change` webhook fires on every successful `state`
        transition; the `card.funding_source_change` webhook fires whenever
        `fundingSources` is updated.
      operationId: updateCardById
      parameters:
        - name: Grid-Wallet-Signature
          in: header
          required: false
          description: >-
            Signature over the `payloadToSign` returned in a prior `202`
            response, produced with the session private key of a verified
            authentication credential on the card's owning internal account and
            base64-encoded. Required on the signed retry; ignored on the initial
            call.
          schema:
            type: string
          example: >-
            MEUCIQDx7k2N0aK4p8f3vR9J6yT5wL1mB0sXnG2hQ4vJ8zYkCgIgZ4rP9dT7eWfU3oM6KjR1qSpNvBwL0tXyA2iG8fH5dE=
        - name: Request-Id
          in: header
          required: false
          description: >-
            The `requestId` returned in a prior `202` response, echoed back on
            the signed retry so the server can correlate it with the issued
            challenge. Required on the signed retry; must be paired with
            `Grid-Wallet-Signature`.
          schema:
            type: string
          example: 7c4a8d09-ca37-4e3e-9e0d-8c2b3e9a1f21
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CardUpdateRequest'
            examples:
              freeze:
                summary: Freeze an active card
                value:
                  state: FROZEN
              unfreeze:
                summary: Unfreeze a frozen card
                value:
                  state: ACTIVE
              updateFundingSources:
                summary: Replace the card's bound funding sources
                value:
                  fundingSources:
                    - InternalAccount:019542f5-b3e7-1d02-0000-000000000002
                    - InternalAccount:019542f5-b3e7-1d02-0000-000000000003
              freezeAndUpdateSources:
                summary: Freeze the card and replace its funding sources in one call
                value:
                  state: FROZEN
                  fundingSources:
                    - InternalAccount:019542f5-b3e7-1d02-0000-000000000002
              close:
                summary: Permanently close the card
                value:
                  state: CLOSED
      responses:
        '200':
          description: Signed retry accepted. Returns the updated card.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Card'
        '202':
          description: >-
            Challenge issued. The response contains a `payloadToSign` that must
            be signed with the session private key of a verified authentication
            credential on the card's owning internal account, along with a
            `requestId` that must be echoed back on the retry.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SignedRequestChallenge'
        '400':
          description: >-
            Bad request. Returned with `FUNDING_SOURCE_INELIGIBLE` when a
            supplied funding source does not belong to the cardholder or is not
            denominated in the card's currency, and for general invalid
            parameters.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error400'
        '401':
          description: >-
            Unauthorized. Returned when the provided `Grid-Wallet-Signature` is
            missing, malformed, or does not match a pending update challenge for
            this card, or when the `Request-Id` does not match an unexpired
            pending challenge.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error401'
        '404':
          description: Card not found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error404'
        '409':
          description: >-
            Conflict. Returned with `INVALID_STATE_TRANSITION` when the
            requested `state` transition is not one of `ACTIVE ⇄ FROZEN` or
            `ACTIVE | FROZEN → CLOSED` (e.g. trying to un-freeze a `CLOSED`
            card); with `CARD_ALREADY_CLOSED` when `state: CLOSED` is requested
            for a card that is already `CLOSED`; and with `CARD_NOT_MUTABLE`
            when the card is `CLOSED`.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error409'
        '500':
          description: Internal service error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error500'
        '501':
          description: >-
            Not implemented in this environment. Cards are not enabled for every
            Grid deployment; environments without a configured card issuer
            return `501 NOT_IMPLEMENTED`.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error501'
      security:
        - BasicAuth: []
      x-codeSamples:
        - lang: JavaScript
          source: |-
            import LightsparkGrid from '@lightsparkdev/grid';

            const client = new LightsparkGrid({
              username: process.env['GRID_CLIENT_ID'], // This is the default and can be omitted
              password: process.env['GRID_CLIENT_SECRET'], // This is the default and can be omitted
            });

            const card = await client.cards.update('id', { state: 'FROZEN' });

            console.log(card.id);
        - lang: Python
          source: |-
            import os
            from grid import LightsparkGrid

            client = LightsparkGrid(
                username=os.environ.get("GRID_CLIENT_ID"),  # This is the default and can be omitted
                password=os.environ.get("GRID_CLIENT_SECRET"),  # This is the default and can be omitted
            )
            card = client.cards.update(
                id="id",
                state="FROZEN",
            )
            print(card.id)
        - lang: Go
          source: "package main\n\nimport (\n\t\"context\"\n\t\"fmt\"\n\n\t\"github.com/stainless-sdks/grid-go\"\n\t\"github.com/stainless-sdks/grid-go/option\"\n)\n\nfunc main() {\n\tclient := grid.NewClient(\n\t\toption.WithUsername(\"My Username\"),\n\t\toption.WithPassword(\"My Password\"),\n\t)\n\tcard, err := client.Cards.Update(\n\t\tcontext.TODO(),\n\t\t\"id\",\n\t\tgrid.CardUpdateParams{\n\t\t\tCardUpdateRequest: grid.CardUpdateRequestParam{},\n\t\t},\n\t)\n\tif err != nil {\n\t\tpanic(err.Error())\n\t}\n\tfmt.Printf(\"%+v\\n\", card.ID)\n}\n"
        - lang: Kotlin
          source: |-
            package com.lightspark.grid.example

            import com.lightspark.grid.client.LightsparkGridClient
            import com.lightspark.grid.client.okhttp.LightsparkGridOkHttpClient
            import com.lightspark.grid.models.cards.Card
            import com.lightspark.grid.models.cards.CardUpdateParams
            import com.lightspark.grid.models.cards.CardUpdateRequest

            fun main() {
                val client: LightsparkGridClient = LightsparkGridOkHttpClient.fromEnv()

                val params: CardUpdateParams = CardUpdateParams.builder()
                    .id("id")
                    .cardUpdateRequest(CardUpdateRequest.builder().build())
                    .build()
                val card: Card = client.cards().update(params)
            }
        - lang: Ruby
          source: >-
            require "grid"


            lightspark_grid = Grid::Client.new(username: "My Username",
            password: "My Password")


            card = lightspark_grid.cards.update("id")


            puts(card)
        - lang: PHP
          source: |-
            <?php

            require_once dirname(__DIR__) . '/vendor/autoload.php';

            use Grid\Client;
            use Grid\Core\Exceptions\APIException;

            $client = new Client(
              username: getenv('GRID_CLIENT_ID') ?: 'My Username',
              password: getenv('GRID_CLIENT_SECRET') ?: 'My Password',
            );

            try {
              $card = $client->cards->update(
                'id',
                fundingSources: [
                  'InternalAccount:019542f5-b3e7-1d02-0000-000000000002',
                  'InternalAccount:019542f5-b3e7-1d02-0000-000000000003',
                ],
                state: 'FROZEN',
                gridWalletSignature: 'MEUCIQDx7k2N0aK4p8f3vR9J6yT5wL1mB0sXnG2hQ4vJ8zYkCgIgZ4rP9dT7eWfU3oM6KjR1qSpNvBwL0tXyA2iG8fH5dE=',
                requestID: '7c4a8d09-ca37-4e3e-9e0d-8c2b3e9a1f21',
              );

              var_dump($card);
            } catch (APIException $e) {
              echo $e->getMessage();
            }
        - lang: C#
          source: |-
            using System;
            using Grid;
            using Grid.Models.Cards;

            LightsparkGridClient client = new();

            CardUpdateParams parameters = new() { ID = "id" };

            var card = await client.Cards.Update(parameters);

            Console.WriteLine(card);
        - lang: CLI
          source: |-
            grid cards update \
              --username 'My Username' \
              --password 'My Password' \
              --id id
components:
  schemas:
    CardUpdateRequest:
      type: object
      description: >-
        Update request for `PATCH /cards/{id}`. At least one of `state` or
        `fundingSources` must be supplied. `state` transitions are limited to
        `ACTIVE ⇄ FROZEN` and `ACTIVE | FROZEN → CLOSED`; any other transition
        returns `409 INVALID_STATE_TRANSITION`. `CLOSED` is terminal and
        irreversible and cannot be combined with `fundingSources`.
        `fundingSources`, when supplied, fully replaces the card's bound funding
        sources — the array order determines the priority Authorization
        Decisioning tries them in.
      properties:
        state:
          type: string
          enum:
            - ACTIVE
            - FROZEN
            - CLOSED
          description: >-
            Target state for the card. Permitted transitions are `ACTIVE ⇄
            FROZEN` and `ACTIVE | FROZEN → CLOSED`. `CLOSED` is terminal and
            irreversible; once closed, the card stays in the system for audit
            and reconciliation but cannot transact again.
          example: FROZEN
        fundingSources:
          type: array
          description: >-
            New ordered list of internal account ids to bind as funding sources.
            Fully replaces the previous binding. Each id must belong to the
            cardholder and be denominated in the card's currency. The list must
            contain at least one source — to stop a card from spending without
            removing all sources, transition it to `FROZEN` instead. Cannot be
            supplied alongside `state: CLOSED`.
          minItems: 1
          items:
            type: string
          example:
            - InternalAccount:019542f5-b3e7-1d02-0000-000000000002
            - InternalAccount:019542f5-b3e7-1d02-0000-000000000003
    Card:
      type: object
      required:
        - id
        - cardholderId
        - state
        - form
        - fundingSources
        - createdAt
        - updatedAt
      properties:
        id:
          type: string
          description: System-generated unique card identifier
          readOnly: true
          example: Card:019542f5-b3e7-1d02-0000-000000000010
        cardholderId:
          type: string
          description: The id of the `Customer` who holds this card.
          example: Customer:019542f5-b3e7-1d02-0000-000000000001
        platformCardId:
          type: string
          description: >-
            Platform-specific card identifier. Optional on create —
            system-generated if omitted, mirroring `platformCustomerId`
            semantics.
          example: card-emp-aary-001
        state:
          $ref: '#/components/schemas/CardState'
        stateReason:
          anyOf:
            - $ref: '#/components/schemas/CardStateReason'
            - type: 'null'
          description: >-
            Reason associated with the current `state`. Populated when the card
            is `CLOSED` or when provisioning was rejected; otherwise null.
        brand:
          $ref: '#/components/schemas/CardBrand'
        form:
          $ref: '#/components/schemas/CardForm'
        last4:
          type: string
          description: Last four digits of the card PAN.
          example: '4242'
        expMonth:
          type: integer
          minimum: 1
          maximum: 12
          description: Card expiration month (1–12).
          example: 12
        expYear:
          type: integer
          description: Card expiration year (four digits).
          example: 2029
        panEmbedUrl:
          type: string
          format: uri
          description: >-
            URL of the card issuer's iframe that securely displays the PAN, CVV,
            and expiry to the cardholder. The full PAN and CVV never cross
            Grid's servers — render this URL in an iframe in your client to
            reveal card details.
          example: https://embed.lithic.com/iframe/...?t=...
        fundingSources:
          type: array
          description: >-
            Internal account ids bound to this card as funding sources, in
            priority order — the first entry is tried first by Authorization
            Decisioning. Every card has at least one funding source.
          items:
            type: string
          example:
            - InternalAccount:019542f5-b3e7-1d02-0000-000000000002
            - InternalAccount:019542f5-b3e7-1d02-0000-000000000003
        currency:
          type: string
          description: >-
            Currency the card transacts in (ISO 4217 for fiat, tickers for
            crypto). Derived from the funding sources at issue time — all
            funding sources bound to a card must be denominated in the same
            card-eligible currency.
          example: USD
          readOnly: true
        issuerRef:
          type: string
          description: >-
            Opaque identifier for the card on the underlying issuer. Useful for
            cross-referencing in issuer dashboards; not used for any Grid
            request routing.
          example: lithic_card_4f8d3a2b1c
          readOnly: true
        createdAt:
          type: string
          format: date-time
          description: Creation timestamp
          readOnly: true
          example: '2026-05-08T14:10:00Z'
        updatedAt:
          type: string
          format: date-time
          description: Last update timestamp
          readOnly: true
          example: '2026-05-08T14:11:00Z'
    SignedRequestChallenge:
      title: Signed Request Challenge
      type: object
      required:
        - payloadToSign
        - requestId
        - expiresAt
      description: >-
        Common base for two-step signed-retry challenge responses on Embedded
        Wallet endpoints (credential registration or revocation, session refresh
        or revocation, wallet export, customer email updates, and similar).
        Holds the signing fields shared across every challenge shape; each
        variant composes this base via `allOf` and adds its own resource `id`
        (and `type`, when applicable) with variant-specific description and
        example.
      properties:
        payloadToSign:
          type: string
          description: >-
            Canonical payload for the retry authorization stamp. Build an
            API-key stamp over this exact value with the session API keypair,
            then send the full base64url-encoded stamp in
            `Grid-Wallet-Signature` on the retry that completes the original
            request.
          example: >-
            {"organizationId":"org_2m9F...","parameters":{"userId":"user_2m9F..."},"timestampMs":"1775681700000","type":"ACTIVITY_TYPE_EXAMPLE"}
        requestId:
          type: string
          description: >-
            Grid-issued `Request:<uuid>` identifier for this pending request.
            Echo this value exactly in the `Request-Id` header on the signed
            retry so the server can correlate the retry with the issued
            challenge.
          example: Request:7c4a8d09-ca37-4e3e-9e0d-8c2b3e9a1f21
        expiresAt:
          type: string
          format: date-time
          description: >-
            Timestamp after which this challenge is no longer valid. The signed
            retry must be submitted before this time.
          example: '2026-04-08T15:35:00Z'
    Error400:
      type: object
      required:
        - message
        - status
        - code
      properties:
        status:
          type: integer
          enum:
            - 400
          description: HTTP status code
        code:
          type: string
          description: >
            | Error Code | Description |

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

            | INVALID_INPUT | Invalid input provided |

            | 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 |

            | QUOTE_REQUEST_FAILED | An issue occurred during the quote process;
            this is retryable |

            | INVALID_PAYREQ_RESPONSE | Counterparty Payreq response was invalid
            |

            | 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 | Sender is not accepted |

            | 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 |

            | LOOKUP_REQUEST_FAILED | Lookup request failed |

            | 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 |

            | PASSKEY_CREDENTIAL_ALREADY_EXISTS | A PASSKEY credential with the
            same WebAuthn credentialId is already registered on the target
            internal account |
          enum:
            - INVALID_INPUT
            - MISSING_MANDATORY_USER_INFO
            - INVITATION_ALREADY_CLAIMED
            - INVITATIONS_NOT_CONFIGURED
            - INVALID_UMA_ADDRESS
            - INVITATION_CANCELLED
            - QUOTE_REQUEST_FAILED
            - INVALID_PAYREQ_RESPONSE
            - 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
            - LOOKUP_REQUEST_FAILED
            - 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
            - PASSKEY_CREDENTIAL_ALREADY_EXISTS
        message:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error401:
      type: object
      required:
        - message
        - status
        - code
      properties:
        status:
          type: integer
          enum:
            - 401
          description: HTTP status code
        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
        message:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error404:
      type: object
      required:
        - message
        - status
        - code
      properties:
        status:
          type: integer
          enum:
            - 404
          description: HTTP status code
        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 |
          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
        message:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error409:
      type: object
      required:
        - message
        - status
        - code
      properties:
        status:
          type: integer
          enum:
            - 409
          description: HTTP status code
        code:
          type: string
          description: >
            | Error Code | Description |

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

            | TRANSACTION_NOT_PENDING_PLATFORM_APPROVAL | Transaction is not
            pending platform approval |

            | UMA_ADDRESS_EXISTS | UMA address already exists |

            | EMAIL_OTP_EMAIL_ALREADY_EXISTS | Email address is already
            associated with an EMAIL_OTP credential |

            | EMAIL_OTP_CREDENTIAL_SET_CHANGED | Tied EMAIL_OTP credential set
            changed after the signed-retry challenge was issued |

            | CONFLICT | Generic resource-state conflict. Returned, for example,
            when `platformCustomerId` on a customer create call collides with an
            existing active customer on the same platform |
          enum:
            - TRANSACTION_NOT_PENDING_PLATFORM_APPROVAL
            - UMA_ADDRESS_EXISTS
            - EMAIL_OTP_EMAIL_ALREADY_EXISTS
            - EMAIL_OTP_CREDENTIAL_SET_CHANGED
            - CONFLICT
        message:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error500:
      type: object
      required:
        - message
        - status
        - code
      properties:
        status:
          type: integer
          enum:
            - 500
          description: HTTP status code
        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
        message:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    Error501:
      type: object
      required:
        - message
        - status
        - code
      properties:
        status:
          type: integer
          enum:
            - 501
          description: HTTP status code
        code:
          type: string
          description: >
            | Error Code | Description |

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

            | UNRECOGNIZED_MANDATORY_PAYEE_DATA_KEY | Unrecognized mandatory
            payee data key |

            | NOT_IMPLEMENTED | Feature not implemented |
          enum:
            - UNRECOGNIZED_MANDATORY_PAYEE_DATA_KEY
            - NOT_IMPLEMENTED
        message:
          type: string
          description: Error message
        details:
          type: object
          description: Additional error details
          additionalProperties: true
    CardState:
      type: string
      enum:
        - PENDING_KYC
        - PENDING_ISSUE
        - ACTIVE
        - FROZEN
        - CLOSED
      description: >
        Lifecycle state of a card.


        | State | Description |

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

        | `PENDING_KYC` | The cardholder has not yet completed KYC. Cards in
        this state cannot transact. |

        | `PENDING_ISSUE` | The card has been requested and is being provisioned
        with the issuer. |

        | `ACTIVE` | The card is live and can authorize transactions. |

        | `FROZEN` | The card is temporarily disabled by the platform. New
        authorizations are declined with `CARD_PAUSED`. Existing settlements and
        refunds continue to reconcile. |

        | `CLOSED` | The card is permanently closed. Terminal, irreversible
        state. |
    CardStateReason:
      type: string
      enum:
        - ISSUER_REJECTED
        - CLOSED_BY_PLATFORM
        - CLOSED_BY_GRID
      description: >
        Reason a card reached a terminal or non-active state. Present on

        `CLOSED` cards, and on cards that fail provisioning before reaching

        `ACTIVE`.


        | Reason | Description |

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

        | `ISSUER_REJECTED` | The card issuer rejected provisioning during
        `PENDING_ISSUE`. |

        | `CLOSED_BY_PLATFORM` | The card was closed via `PATCH /cards/{id}`
        (`state: CLOSED`) by the platform. |

        | `CLOSED_BY_GRID` | The card was closed by Grid (e.g. compliance or
        risk action). |
    CardBrand:
      type: string
      enum:
        - VISA
        - MASTERCARD
      description: |
        Card network brand. Read-only — determined by Grid when the card is
        provisioned with the issuer.
    CardForm:
      type: string
      enum:
        - VIRTUAL
      description: |
        Physical form factor of the card. Only `VIRTUAL` is supported in v1;
        `PHYSICAL` will be added in a later release.
  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/{code}/redeem`. Agent credentials are user-scoped:
        all requests are automatically bound to the agent's associated customer
        and subject to the agent's policy.

````