Applications
Unit offers a short, low-friction, non-documentary application process - most applications will be approved in under five seconds. In some cases Unit detects an exception in the application process (e.g. a phone number mismatch), and certain documents are required in order to make a decision.
Unit will let you know exactly what documents to require from the customer, and once they are provided (via an API call), the application will either be approved automatically or manually reviewed by us (under an SLA of two business hours).
For more information on applications including specific details about application statuses and flow, see our End-Customer Applications Guide
Application Statuses#
The final statuses for an application are Approved, Denied or Canceled. Once an application is approved, a Customer resource will be created and associated with the application resource.
The new created customer resources will be referenced in the relationships object.
In most cases, an application will reach one of these final statuses immediately after creation, without requiring any documents.
In some cases, documents will be required and the application will enter an AwaitingDocuments status. Once you upload all the required documents, Unit will use the information provided to approve or deny the application. The decision may take seconds in some cases and up to two hours in other cases (when a manual review is required). Once the process is complete, you will receive a webhook containing the result.
An application can also be evaluated asynchronously, in which case its status will be Pending as long as the evaluation process is running. Once the process is complete, the status will change to either Approved, Denied or AwaitingDocuments and the relevant webhook event will be fired (see Pending status description below)
There is an option to Cancel Application at any point that is not Approved or Denied. The status of the application will change to Canceled, and the relevant webhook event will be fired.
Below is a diagram describing the lifecycle of an application:
Below are all application statuses and their descriptions:
| Status | Description |
|---|---|
AwaitingDocuments | Certain documents are required for the process to continue. You may upload them via Upload Document. |
PendingReview | The application is pending review by Unit (with an SLA of 2 business hours). |
Pending | The application is being evaluated asynchronously and a result should be available shortly. Listen for webhooks (application.denied, customer.created) and application.awaitingdocuments) for the final result, or periodically query the application with Get by Id). |
Approved | The application was approved. A Customer resource was created. |
Denied | The application was denied. A Customer resource will not be created. |
Canceled | The application was сanceled. A Customer resource will not be created. |
Device Fingerprints#
A Device fingerprint is a way to combine certain attributes of a device (operating system, IP address, device language settings etc.) in order to identify unique devices.
Unit partners with select providers to detect and prevent potential fraud. To enjoy improved protection, you must add the device fingerprint to new application.
Providers#
| Name | Description |
|---|---|
| Iovation | The Iovation (TransUnion TruValidate) device fingerprint string is called a "blackbox", the blackbox can be generated using their Android SDK or iOS SDK. |
Create an application for an individual end-customer.
info
The SSN (or passport number, for non US citizens) is used as the unique identifier for an individual on Unit. The same identifier cannot be used to submit multiple applications. If an application for a certain individual has been denied, canceled or archived, they may use their SSN/passport number to reapply. Otherwise, duplicate applications will result in an HTTP error (400).
This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.
| Verb | POST |
| Url | https://api.s.unit.sh/applications |
| Required Scope | applications-write |
| Data Type | individualApplication |
| Timeout (Seconds) | 120 |
Attributes#
| Name | Type | Description |
|---|---|---|
| ssn | string | SSN (or ITIN) of the individual (numbers only). Either an ssn or passport is required. It is optional to provide only last 4 SSN digits. |
| passport | string | Passport number of the individual. Valid only for non-US persons. Either an ssn or passport number is required. |
| nationality | ISO31661-Alpha2 string | Required if a passport is used as the main ID. Two letters representing the individual nationality. (e.g. "US"). |
| fullName | FullName | Full name of the individual. |
| dateOfBirth | RFC3339 Date string | Date only (e.g. "2001-08-15"). |
| address | Address | Address of the individual. Must be a US address. |
| phone | Phone | Phone number of the individual. |
| string | Email address of the individual. | |
| powerOfAttorneyAgent | Agent | Optional. The details of the person that will act as the agent that has power of attorney. |
| evaluationParams | EvaluationParams | Optional. Evaluation Params for this entity. |
| occupation | Occupation | Optional. Occupation of the individual. |
| annualIncome | AnnualIncome | Optional. Annual income of the individual. |
| sourceOfIncome | SourceOfIncome | Optional. Source of income of the individual. |
| ip | string | Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application. |
| tags | object | Optional. See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance). |
| idempotencyKey | string | Optional. See Idempotency. |
| deviceFingerprints | Array of Device Fingerprint | Optional. A list of device fingerprints for fraud and risk prevention (See Device Fingerprints). |
| jwtSubject | string | Optional. See this section for more information. |
Example Request:
curl -X POST 'https://api.s.unit.sh/applications'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "individualApplication", "attributes": { "ssn": "721074426", "fullName": { "first": "Peter", "last": "Parker" }, "dateOfBirth": "2001-08-10", "address": { "street": "20 Ingram St", "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" }, "email": "peter@oscorp.com", "phone": { "countryCode": "1", "number": "5555555555" }, "ip": "127.0.0.2", "occupation": "ArchitectOrEngineer", "annualIncome": "Between50kAnd100k", "sourceOfIncome": "EmploymentOrPayrollIncome", "tags": { "userId": "106a75e9-de77-4e25-9561-faffe59d7814" }, "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8" } }}'Response#
Response is a JSON:API document.
201 Created#
| Field | Type | Description |
|---|---|---|
| data | IndividualApplication | The newly created resource. |
| included | Array of ApplicationDocument Resource | Required documents for this application. Each document resource includes the document status. |
Example Response:
{ "data": { "type": "individualApplication", "id": "53", "attributes": { "createdAt": "2020-01-14T14:05:04.718Z", "fullName": { "first": "Peter", "last": "Parker" }, "ssn": "721074426", "address": { "street": "20 Ingram St", "street2": null, "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" }, "dateOfBirth": "2001-08-10", "email": "peter@oscorp.com", "phone": { "countryCode": "1", "number": "5555555555" }, "status": "AwaitingDocuments", "ip": "127.0.0.2", "occupation": "ArchitectOrEngineer", "annualIncome": "Between50kAnd100k", "sourceOfIncome": "EmploymentOrPayrollIncome", "soleProprietorship": false, "tags": { "userId": "106a75e9-de77-4e25-9561-faffe59d7814" }, "archived": false }, "relationships": { "org": { "data": { "type": "org", "id": "1" } }, "documents": { "data": [ { "type": "document", "id": "1" }, { "type": "document", "id": "2" } ] } } }, "included": [ { "type": "document", "id": "1", "attributes": { "documentType": "AddressVerification", "status": "Required", "name": "Peter Parker", "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.", "address": { "street": "20 Ingram St", "street2": null, "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" } } }, { "type": "document", "id": "2", "attributes": { "documentType": "IdDocument", "status": "Required", "name": "Peter Parker", "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.", "dateOfBirth": "2001-08-10" } } ]}
Create an application for a sole proprietor.
info
A sole proprietorship is a type of enterprise owned and run by one person, and in which there is no legal distinction between the owner and the business entity. As such, it is evaluated as an individual, with the soleProprietorship attribute set to true
info
The SSN (or passport number, for non US citizens) is used as the unique identifier for an individual on Unit. The same identifier cannot be used to submit multiple applications. If an application for a certain individual has been denied, canceled or archived, they may use their SSN/passport number to reapply. Otherwise, duplicate applications will result in an HTTP error (400).
This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.
| Verb | POST |
| Url | https://api.s.unit.sh/applications |
| Required Scope | applications-write |
| Data Type | individualApplication |
| Timeout (Seconds) | 120 |
Attributes#
| Name | Type | Description |
|---|---|---|
| ssn | string | SSN (or ITIN) of the individual (numbers only). Either an ssn or passport is required. |
| passport | string | Passport number of the individual. Valid only for non-US persons. Either an ssn or passport number is required. |
| nationality | ISO31661-Alpha2 string | Required if a passport is used as the main ID. Two letters representing the individual nationality. (e.g. "US"). |
| fullName | FullName | Full name of the individual. |
| dateOfBirth | RFC3339 Date string | Date only (e.g. "2001-08-15"). |
| address | Address | Address of the individual. Must be a US address. |
| phone | Phone | Phone number of the individual. |
| string | Email address of the individual. | |
| soleProprietorship | boolean | Set this to true in order to indicate that the individual is a sole proprietor. |
| ein | string | Optional. If the individual is a sole proprietor who has an Employer Identification Number, specify it here. Not all sole proprietors have an EIN, so this attribute is optional, even when soleProprietorship is set to true. |
| industry | Industry | If the individual is a sole proprietor, specify the business industry here. |
| dba | string | Optional. If the individual is a sole proprietor who is doing business under a different name, specify it here. This attribute is optional, even when soleProprietorship is set to true. |
| powerOfAttorneyAgent | Agent | Optional. The details of the person that will act as the agent that has power of attorney. |
| evaluationParams | EvaluationParams | Optional. Evaluation Params for this entity. |
| occupation | Occupation | Optional. Occupation of the individual. |
| annualIncome | AnnualIncome | Optional. Annual income of the individual. |
| sourceOfIncome | SourceOfIncome | Optional. Source of income of the individual. |
| annualRevenue | AnnualRevenue | Optional. For sole proprietors, specify the annual revenue here. |
| numberOfEmployees | NumberOfEmployees | Optional. For sole proprietors, specify the number of employees here. |
| businessVertical | BusinessVertical | Optional. For sole proprietors, specify the business vertical here. |
| website | string | Optional. For sole proprietors, specify the business website here. |
| ip | string | Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application. |
| tags | object | Optional. See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance). |
| idempotencyKey | string | Optional. See Idempotency. |
| deviceFingerprints | Array of Device Fingerprint | Optional. A list of device fingerprints for fraud and risk prevention (See Device Fingerprints). |
| jwtSubject | string | Optional. See this section for more information. |
Example Request:
curl -X POST 'https://api.s.unit.sh/applications'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "individualApplication", "attributes": { "ssn": "721074426", "fullName": { "first": "Peter", "last": "Parker" }, "dateOfBirth": "2001-08-10", "address": { "street": "20 Ingram St", "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" }, "email": "peter@oscorp.com", "phone": { "countryCode": "1", "number": "5555555555" }, "ip": "127.0.0.2", "occupation": "ArchitectOrEngineer", "annualIncome": "Between50kAnd100k", "sourceOfIncome": "EmploymentOrPayrollIncome", "annualRevenue": "Between100kAnd200k", "soleProprietorship": true, "ein": "123456789", "dba": "Piedpiper Inc", "numberOfEmployees": "Between5And10", "businessVertical": "TechnologyMediaOrTelecom", "website": "https://www.piedpiper.com", "tags": { "userId": "106a75e9-de77-4e25-9561-faffe59d7814" }, "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8" } }}'Response#
Response is a JSON:API document.
201 Created#
| Field | Type | Description |
|---|---|---|
| data | IndividualApplication | The newly created resource. |
| included | Array of ApplicationDocument Resource | Required documents for this application. Each document resource includes the document status. |
Example Response:
{ "data": { "type": "individualApplication", "id": "53", "attributes": { "createdAt": "2020-01-14T14:05:04.718Z", "fullName": { "first": "Peter", "last": "Parker" }, "ssn": "721074426", "address": { "street": "20 Ingram St", "street2": null, "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" }, "dateOfBirth": "2001-08-10", "email": "peter@oscorp.com", "phone": { "countryCode": "1", "number": "5555555555" }, "status": "AwaitingDocuments", "ip": "127.0.0.2", "soleProprietorship": true, "ein": "123456789", "dba": "Piedpiper Inc", "occupation": "ArchitectOrEngineer", "annualIncome": "Between50kAnd100k", "sourceOfIncome": "EmploymentOrPayrollIncome", "annualRevenue": "Between100kAnd200k", "numberOfEmployees": "Between5And10", "businessVertical": "TechnologyMediaOrTelecom", "website": "https://www.piedpiper.com", "tags": { "userId": "106a75e9-de77-4e25-9561-faffe59d7814" }, "archived": false }, "relationships": { "org": { "data": { "type": "org", "id": "1" } }, "documents": { "data": [ { "type": "document", "id": "1" }, { "type": "document", "id": "2" } ] } } }, "included": [ { "type": "document", "id": "1", "attributes": { "documentType": "AddressVerification", "status": "Required", "name": "Peter Parker", "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.", "address": { "street": "20 Ingram St", "street2": null, "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" } } }, { "type": "document", "id": "2", "attributes": { "documentType": "IdDocument", "status": "Required", "name": "Peter Parker", "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.", "dateOfBirth": "2001-08-10" } } ]}
Create an application for a business end-customer.
info
Companies that are publicly traded in a major US stock exchange are subject to lighter onboarding requirements. If your customer base includes publicly traded companies, please reach out to Unit for additional information.
| Verb | POST |
| Url | https://api.s.unit.sh/applications |
| Required Scope | applications-write |
| Data Type | businessApplication |
| Timeout (Seconds) | 120 |
Attributes#
| Name | Type | Description |
|---|---|---|
| name | string | Name of the business. |
| dba | string | Optional. "Doing business as". |
| address | Address | Address of the business. Must be a US address |
| phone | Phone | Phone number of the business. |
| stateOfIncorporation | string | Two letters representing a US state. |
| ein | string | Business EIN (numbers only). |
| industry | Optional. Industry | The business industry. |
| entityType | string | One of LLC, Partnership, PubliclyTradedCorporation, PrivatelyHeldCorporation or NotForProfitOrganization. |
| website | string | Optional. Business's website. |
| contact | BusinessContact | Primary contact of the business. This person is the one that will have access to the account. |
| officer | Officer | Officer representing the business (must be the CEO, COO, CFO, President, BenefitsAdministrationOfficer, CIO, VP, AVP, Treasurer, Secretary, Controller, Manager, Partner or Member). To onboard a business successfully, you must provide the officer's personal details. |
| beneficialOwners | Array of BeneficialOwner | Array of beneficial owners in the business. Beneficial owners are all people that, directly or indirectly, own 25% or more of the business. To onboard a business successfully, you must provide each beneficial owner's personal details. If the business has no beneficial owners, the array should be empty. |
| annualRevenue | AnnualRevenue | Optional. Annual revenue of the business. |
| numberOfEmployees | NumberOfEmployees | Optional. Number of employees of the business. |
| cashFlow | CashFlow | Optional. Cash flow of the business. |
| yearOfIncorporation | Year string | Optional. Year of incorporation of the business. |
| countriesOfOperation | Array of ISO31661-Alpha2 strings | Optional. An array of two letter codes representing the countries of operation of the business. |
| stockSymbol | string | Optional. The stock symbol (ticker) of the business. |
| businessVertical | BusinessVertical | Optional. The business vertical of the business. |
| ip | string | Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application. |
| tags | object | Optional. See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance). |
| idempotencyKey | string | Optional. See Idempotency. |
| deviceFingerprints | Array of Device Fingerprint | Optional. A list of device fingerprints for fraud and risk prevention (See Device Fingerprints). |
Example Request:
curl -X POST 'https://api.s.unit.sh/applications'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "businessApplication", "attributes": { "name": "Pied Piper", "address": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "phone": { "countryCode": "1", "number": "5555555555" }, "stateOfIncorporation": "DE", "ein": "123456789", "entityType": "Corporation", "ip": "127.0.0.2", "annualRevenue": "Between500kAnd1m", "numberOfEmployees": "Between50And100", "cashFlow": "Predictable", "yearOfIncorporation": "2014", "countriesOfOperation": [ "US", "CA" ], "stockSymbol": "PPI", "businessVertical": "TechnologyMediaOrTelecom", "website": "https://www.piedpiper.com", "contact": { "fullName": { "first": "Richard", "last": "Hendricks" }, "email": "richard@piedpiper.com", "phone": { "countryCode": "1", "number": "5555555555" } }, "officer": { "fullName": { "first": "Richard", "last": "Hendricks" }, "dateOfBirth": "2001-08-10", "title": "CEO", "ssn": "721074426", "email": "richard@piedpiper.com", "phone": { "countryCode": "1", "number": "5555555555" }, "address": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "occupation": "ArchitectOrEngineer", "annualIncome": "Between50kAnd100k", "sourceOfIncome": "EmploymentOrPayrollIncome" }, "beneficialOwners": [ { "fullName": { "first": "Richard", "last": "Hendricks" }, "dateOfBirth": "2001-08-10", "ssn": "123456789", "email": "richard@piedpiper.com", "percentage": 75, "phone": { "countryCode": "1", "number": "5555555555" }, "address": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "occupation": "ArchitectOrEngineer", "annualIncome": "Between50kAnd100k", "sourceOfIncome": "EmploymentOrPayrollIncome" } ], "tags": { "userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c" }, "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8" } }}'Response#
Response is a JSON:API document.
201 Created#
| Field | Type | Description |
|---|---|---|
| data | BusinessApplication | The newly created resource. |
| relationships | JSON:API Relationships | Describes relationships between the application resource and other resources (beneficial owners). |
| included | Array of ApplicationDocument Resource or BeneficialOwner Resource | Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners. |
Example Response:
{ "data": { "type": "businessApplication", "id": "50", "attributes": { "createdAt": "2020-01-13T16:01:19.346Z", "name": "Pied Piper", "dba": null, "address": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "phone": { "countryCode": "1", "number": "5555555555" }, "stateOfIncorporation": "DE", "ein": "123456789", "entityType": "Corporation", "ip": "127.0.0.2", "website": "https://www.piedpiper.com", "annualRevenue": "Between500kAnd1m", "numberOfEmployees": "Between50And100", "cashFlow": "Predictable", "yearOfIncorporation": "2014", "countriesOfOperation": [ "US", "CA" ], "stockSymbol": "PPI", "businessVertical": "TechnologyMediaOrTelecom", "contact": { "fullName": { "first": "Richard", "last": "Hendricks" }, "email": "richard@piedpiper.com", "phone": { "countryCode": "1", "number": "5555555555" } }, "officer": { "fullName": { "first": "Richard", "last": "Hendricks" }, "ssn": "123456789", "address": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "dateOfBirth": "2001-08-10", "title": "CEO", "email": "richard@piedpiper.com", "phone": { "countryCode": "1", "number": "5555555555" }, "occupation": "ArchitectOrEngineer", "annualIncome": "Between50kAnd100k", "sourceOfIncome": "EmploymentOrPayrollIncome", "status": "Approved" }, "beneficialOwners": [ { "fullName": { "first": "Richard", "last": "Hendricks" }, "ssn": "123456789", "address": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "dateOfBirth": "2001-08-10", "phone": { "countryCode": "1", "number": "5555555555" }, "email": "richard@piedpiper.com", "percentage": 75, "status": "Approved" } ], "tags": { "userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c" }, "archived": false, "status": "AwaitingDocuments" }, "relationships": { "org": { "data": { "type": "org", "id": "1" } }, "documents": { "data": [ { "type": "document", "id": "1" }, { "type": "document", "id": "2" }, { "type": "document", "id": "3" } ] } } }, "included": [ { "type": "document", "id": "1", "attributes": { "documentType": "CertificateOfIncorporation", "status": "Required", "name": "Pied Piper", "description": "For Corporation: Please provide a certified copy of the Articles of Incorporation or Certificate of Incorporation..." } }, { "type": "document", "id": "2", "attributes": { "documentType": "AddressVerification", "status": "Required", "name": "Richard Hendricks", "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.", "address": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" } } }, { "type": "document", "id": "3", "attributes": { "documentType": "IdDocument", "status": "Required", "name": "Richard Hendricks", "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID." } } ]}
note
Trust applications are not enabled by default. To enable them, please contact Unit support.
Create an application for a trust end-customer.
| Verb | POST |
| Url | https://api.s.unit.sh/applications |
| Required Scope | applications-write |
| Data Type | trustApplication |
| Timeout (Seconds) | 120 |
Attributes#
| Name | Type | Description |
|---|---|---|
| name | string | Name of the business. |
| stateOfIncorporation | string | Two letters representing a US state. |
| revocability | Either Revocable or Irrevocable | Whether the trust can be changed or canceled after the trust document has been signed. |
| sourceOfFunds | One of Inheritance, Salary, Savings, InvestmentReturns, Gifts | Origin of the funds used to fund the account. |
| taxId | string | The grantor's SSN. |
| grantor | Grantor | The individual that creates the trust. |
| trustees | Array of Trustee | List of individual who take legal ownership of the assets held by the trust. |
| beneficiaries | Array of Beneficiary | List of individuals for whom the trust is created. |
| contact | TrustContact | Primary contact of the trust. This person is the one that will have access to the account. |
| ip | string | Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application. |
| tags | object | Optional. See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance). |
| idempotencyKey | string | Optional. See Idempotency. |
| deviceFingerprints | Array of Device Fingerprint | Optional. A list of device fingerprints for fraud and risk prevention (See Device Fingerprints). |
Example Request:
curl -X POST 'https://api.s.unit.sh/applications'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "trustApplication", "attributes": { "name": "Trust me Inc.", "stateOfIncorporation": "CA", "revocability": "Revocable", "sourceOfFunds": "Salary", "taxId": "123456789", "trustees": [ { "fullName": { "first": "Richard", "last": "Hendricks" }, "dateOfBirth": "2000-01-01", "ssn": "000000002", "email": "richard@piedpiper.com", "phone": { "countryCode": "1", "number": "2025550108" }, "address": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" } } ], "contact": { "fullName": { "first": "Jared", "last": "Dunn" }, "email": "jared@piedpiper.com", "phone": { "countryCode": "1", "number": "2025550108" }, "address": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" } }, "grantor": { "fullName": { "first": "Laurie", "last": "Bream" }, "dateOfBirth": "2000-01-01", "ssn": "000000003", "email": "laurie@raviga.com", "phone": { "countryCode": "1", "number": "2025550108" }, "address": { "street": "950 Allerton Street", "city": "Redwood City", "state": "CA", "postalCode": "94063", "country": "US" } }, "tags": { "test": "test1" }, "beneficiaries": [ { "fullName": { "first": "Dinesh", "last": "Chugtai" }, "dateOfBirth": "2000-01-01" }, { "fullName": { "first": "Gilfoyle", "last": "Unknown" }, "dateOfBirth": "2000-01-01" } ] } }}'Response#
Response is a JSON:API document.
201 Created#
| Field | Type | Description |
|---|---|---|
| data | TrustApplication | The newly created resource. |
| included | Array of ApplicationDocument Resource | Required documents for this application. Each document resource includes the document status. |
Example Response:
{ "data": { "type": "trustApplication", "id": "100", "attributes": { "createdAt": "2022-03-31T14:28:08.235Z", "name": "Trust me Inc.", "contact": { "fullName": { "first": "Jared", "last": "Dunn" }, "email": "jared@piedpiper.com", "phone": { "countryCode": "1", "number": "2025550108" }, "address": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" } }, "status": "AwaitingDocuments", "stateOfIncorporation": "CA", "revocability": "Revocable", "sourceOfFunds": "Salary", "grantor": { "status": "PendingReview", "fullName": { "first": "Laurie", "last": "Bream" }, "ssn": "000000003", "address": { "street": "950 Allerton Street", "city": "Redwood City", "state": "CA", "postalCode": "94063", "country": "US" }, "dateOfBirth": "2000-01-01", "email": "laurie@raviga.com", "phone": { "countryCode": "1", "number": "2025550108" } }, "tags": { "test": "test1" }, "archived": false }, "relationships": { "org": { "data": { "type": "org", "id": "1" } }, "trustees": { "data": [ { "type": "trustee", "id": "13" } ] }, "beneficiaries": { "data": [ { "type": "beneficiary", "id": "21" }, { "type": "beneficiary", "id": "22" } ] }, "documents": { "data": [ { "type": "document", "id": "179" }, { "type": "document", "id": "180" }, { "type": "document", "id": "181" } ] } } }, "included": [ { "id": "179", "type": "document", "attributes": { "documentType": "AddressVerification", "status": "Required", "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.", "name": "Richard Hendricks", "address": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" } } }, { "id": "180", "type": "document", "attributes": { "documentType": "IdDocument", "status": "Required", "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.", "ssn": "000000003", "name": "Laurie Bream", "dateOfBirth": "2000-01-01" } }, { "id": "181", "type": "document", "attributes": { "documentType": "TrustDocument", "status": "Required", "description": "Please provide a document verifying your Trust", "name": "Trust me Inc." } } ]}
Cancel an Application under PendingReview Pending or AwaitingDocuments status. The application.canceled webhook event will be fired.
| Verb | POST |
| Url | https://api.s.unit.sh/applications/{id}/cancel |
| Data Type | applicationCancel |
| Timeout (Seconds) | 5 |
Response#
Response is a JSON:API document.
201 Created#
| Field | Type | Description |
|---|---|---|
| data | IndividualApplication, BusinessApplication or TrustApplication | Application resource. Can be business, individual or trust, as indicated by the type field. |
| included | Array of ApplicationDocument Resource | Application required documents, each document object also includes the document status. |
Example Request:
curl -X POST 'https://api.s.unit.sh/applications/10001/cancel'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "applicationCancel", "attributes": { "reason": "By Org" } }}'
Get an application resource by id.
| Verb | GET |
| Url | https://api.s.unit.sh/applications/{id} |
| Required Scope | applications |
| Timeout (Seconds) | 5 |
Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | IndividualApplication, BusinessApplication or TrustApplication | Application resource. Can be business, individual or trust, as indicated by the type field. |
| included | Array of ApplicationDocument Resource or BeneficialOwner Resource | Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners. |
curl -X GET 'https://api.s.unit.sh/applications/43' \-H "Authorization: Bearer ${TOKEN}"
List application resources. Paging can be applied.
| Verb | GET |
| Url | https://api.s.unit.sh/applications |
| Required Scope | applications |
| Timeout (Seconds) | 5 |
Query Parameters#
| Name | Type | Default | Description |
|---|---|---|---|
| page[limit] | integer | 100 | Optional. Maximum number of resources that will be returned. Maximum is 1000 resources. See Pagination. |
| page[offset] | integer | 0 | Optional. Number of resources to skip. See Pagination. |
| filter[query] | string | (empty) | Optional. Search term according to the Full-Text Search Rules. |
| filter[status][] | string | (empty) | Optional. Filter applications by Application Status. Usage example: filter[status][0]=Pending&filter[status][1]=Approved |
| filter[email] | string | (empty) | Optional. Filter applications by email address (case sensitive). |
| filter[tags] | Tags (JSON) | (empty) | Optional. Filter Applications by Tags. |
| sort | string | sort=-createdAt | Optional. sort=createdAt for ascending order or sort=-createdAt (leading minus sign) for descending order. |
curl -X GET 'https://api.s.unit.sh/applications?page[limit]=20&page[offset]=10' \-H "Authorization: Bearer ${TOKEN}"Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | Array of IndividualApplication, BusinessApplication or TrustApplication | Array of application resources. Each resource can be business, individual or trust, as indicated by the type field. |
| meta | JSON object that contains pagination data | Pagination data includes offset, limit and total (total items). |
Example Response:
{ "data": [ { "type": "individualApplication", "id": "1", "attributes": { "createdAt": "2020-01-15T13:47:36.098Z", "fullName": { "first": "Peter", "last": "Parker" }, "ssn": "721074426", "address": { "street": "20 Ingram St", "street2": null, "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" }, "dateOfBirth": "2001-08-10", "email": "peter@oscorp.com", "phone": { "countryCode": "1", "number": "5555555555" }, "status": "AwaitingDocuments", "archived": false, "message": "Waiting for you to upload the required documents." }, "relationships": { "org": { "data": { "type": "org", "id": "1" } }, "documents": { "data": [ { "type": "document", "id": "1" }, { "type": "document", "id": "2" } ] } } }, { "type": "businessApplication", "id": "2", "attributes": { "createdAt": "2020-01-15T13:48:38.527Z", "name": "Pied Piper", "dba": null, "address": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "phone": { "countryCode": "1", "number": "5555555555" }, "stateOfIncorporation": "DE", "ein": "123456789", "entityType": "Corporation", "contact": { "fullName": { "first": "Richard", "last": "Hendricks" }, "email": "richard@piedpiper.com", "phone": { "countryCode": "1", "number": "5555555555" } }, "officer": { "fullName": { "first": "Richard", "last": "Hendricks" }, "ssn": "123456789", "address": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "dateOfBirth": "2001-08-10", "email": "richard@piedpiper.com", "phone": { "countryCode": "1", "number": "5555555555" }, "status": "Approved" }, "beneficialOwners": [ { "fullName": { "first": "Richard", "last": "Hendricks" }, "ssn": "123456789", "address": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "dateOfBirth": "2001-08-10", "phone": { "countryCode": "1", "number": "5555555555" }, "email": "richard@piedpiper.com", "status": "Approved" } ], "archived": false, "status": "AwaitingDocuments", "message": "Waiting for you to upload the required documents." }, "relationships": { "org": { "data": { "type": "org", "id": "1" } }, "documents": { "data": [ { "type": "document", "id": "1" }, { "type": "document", "id": "2" }, { "type": "document", "id": "3" } ] } } } ], "meta": { "pagination": { "total": 2, "limit": 100, "offset": 0 } }}
Update a business application.
note
Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.
| Verb | PATCH |
| Url | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes#
| Name | Type | Description |
|---|---|---|
| tags | object | See Updating Tags. |
| annualRevenue | AnnualRevenue | Optional. Annual revenue of the business. |
| numberOfEmployees | NumberOfEmployees | Optional. Number of employees of the business. |
| cashFlow | CashFlow | Optional. Cash flow of the business. |
| yearOfIncorporation | Year string | Optional. Year of incorporation of the business. |
| countriesOfOperation | Array of ISO31661-Alpha2 strings | Optional. An array of two letter codes representing the countries of operation of the business. |
| stockSymbol | string | Optional. The stock symbol (ticker) of the business. |
| businessVertical | BusinessVertical | Optional. The business vertical of the business. |
Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | BusinessApplication | The updated BusinessApplication resource. |
| relationships | JSON:API Relationships | Describes relationships between the application resource and other resources (beneficial owners). |
| included | Array of ApplicationDocument Resource or BeneficialOwner Resource | Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners. |
Update business application:
curl -X PATCH 'https://api.s.unit.sh/application/:id'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "businessApplication", "attributes": { "tags": { "by": "Richard Hendricks", "id": "23033b64-38f8-4dbc-91a1-313ff0156d02" }, "annualRevenue": "Between500kAnd1m", "numberOfEmployees": "Between50And100", "cashFlow": "Predictable", "yearOfIncorporation": "2014", "countriesOfOperation": [ "US", "CA" ], "stockSymbol": "PPI", "businessVertical": "TechnologyMediaOrTelecom" } }}'
Update a business application's officer.
| Verb | PATCH |
| Url | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes#
| Name | Type | Description |
|---|---|---|
| officer.occupation | Occupation | Optional. Occupation of the officer. |
| officer.annualIncome | AnnualIncome | Optional. Annual income of the officer. |
| officer.sourceOfIncome | SourceOfIncome | Optional. Source of income of the officer. |
Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | BusinessApplication | The updated BusinessApplication resource. |
| relationships | JSON:API Relationships | Describes relationships between the application resource and other resources (beneficial owners). |
| included | Array of ApplicationDocument Resource or BeneficialOwner Resource | Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners. |
Update business application officer:
curl -X PATCH 'https://api.s.unit.sh/application/:id'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "businessApplication", "attributes": { "officer": { "occupation": "ArchitectOrEngineer", "annualIncome": "Between10kAnd25k", "sourceOfIncome": "EmploymentOrPayrollIncome" } } }}'
Update a business application's beneficial owner. The application id associated with the beneficial owner must be passed as a relationship in the request body.
| Verb | PATCH |
| Url | https://api.s.unit.sh/beneficial-owner/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes#
| Name | Type | Description |
|---|---|---|
| occupation | Occupation | Optional. Occupation of the beneficial owner. |
| annualIncome | AnnualIncome | Optional. Annual income of the beneficial owner. |
| sourceOfIncome | SourceOfIncome | Optional. Source of income of the beneficial owner. |
Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | BeneficialOwner | The updated BeneficialOwner resource. |
Update business application beneficial owner:
curl -X PATCH 'https://api.s.unit.sh/beneficial-owner/:id'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "beneficialOwner", "attributes": { "occupation": "ArchitectOrEngineer", "annualIncome": "Between10kAnd25k", "sourceOfIncome": "EmploymentOrPayrollIncome" }, "relationships": { "application": { "data": { "type": "businessApplication", "id": "10001" } } } }}'
Update an individual application.
note
Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.
| Verb | PATCH |
| Url | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes#
| Name | Type | Description |
|---|---|---|
| tags | object | See Updating Tags. |
| occupation | Occupation | Optional. Occupation of the individual. |
| annualIncome | AnnualIncome | Optional. Annual income of the individual. |
| sourceOfIncome | SourceOfIncome | Optional. Source of income of the individual. |
Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | IndividualApplication | The updated IndividualApplication resource. |
Update individual application:
curl -X PATCH 'https://api.s.unit.sh/application/:id'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "individualApplication", "attributes": { "tags": { "by": "Richard Hendricks", "id": "23033b64-38f8-4dbc-91a1-313ff0156d02" }, "occupation": "ArchitectOrEngineer", "annualIncome": "Between10kAnd25k", "sourceOfIncome": "EmploymentOrPayrollIncome" } }}'
Update a sole-proprietorship application.
note
Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.
| Verb | PATCH |
| Url | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes#
| Name | Type | Description |
|---|---|---|
| tags | object | See Updating Tags. |
| annualRevenue | AnnualRevenue | Optional. Specify the annual revenue here. |
| numberOfEmployees | NumberOfEmployees | Optional. Specify the number of employees here. |
| businessVertical | BusinessVertical | Optional. Specify the business vertical here. |
| website | string | Optional. Specify the business website here. |
Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | IndividualApplication | The updated IndividualApplication resource. |
Update sole-proprietor application:
curl -X PATCH 'https://api.s.unit.sh/application/:id'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "individualApplication", "attributes": { "tags": { "by": "Richard Hendricks", "id": "23033b64-38f8-4dbc-91a1-313ff0156d02" }, "annualRevenue": "UpTo50k", "numberOfEmployees": "Between2And5", "businessVertical": "BusinessSupportOrBuildingServices", "website": "https://unit.co" } }}'
Update a trust application.
note
Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.
| Verb | PATCH |
| Url | https://api.s.unit.sh/applications/:id |
| Required Scope | applications-write |
| Timeout (Seconds) | 5 |
Attributes#
| Name | Type | Description |
|---|---|---|
| tags | object | See Updating Tags. |
Response#
Response is a JSON:API document.
200 OK#
| Field | Type | Description |
|---|---|---|
| data | TrustApplication | The updated TrustApplication resource. |
Update trust application:
curl -X PATCH 'https://api.s.unit.sh/application/:id'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{ "data": { "type": "trustApplication", "attributes": { "tags": { "by": "Richard Hendricks", "id": "23033b64-38f8-4dbc-91a1-313ff0156d02" } } }}'Testing Applications#
By default, applications in Sandbox are approved immediately. In order to test the various flows (decline, manual review, required documents), Unit provides simulations that allow you to control the application results.
You may trigger a decline, or a flow that requires documents, by providing specific SSNs that trigger each scenario.
In order to test flows that involve manual intervention, you may use dedicated endpoints that simulate the manual review results.