generated: '2026-08-09'
method: generated
source: openapi/certifid-v2-apis-openapi.json
api: CertifID V2 APIs
base_url: https://api.certifid.com
description: >-
  Packaged Agent Skills for the CertifID V2 APIs, generated from the live OpenAPI 3.0.1
  definition served at api.certifid.com. Each skill covers one marquee CertifID flow and
  is grounded in real paths, methods, summaries, enums, scopes and documented error
  causes taken verbatim from that specification. CertifID publishes no skills, no
  AGENTS.md and no llms.txt of its own; these are API Evangelist generations.
operation_id_note: >-
  CertifID's specification assigns an operationId to exactly ONE of its 57 operations
  (CreateIdentityVerification). Every other operation id referenced by these skills comes
  from overlays/certifid-certifid-v2-apis-overlay.yaml, which adds a deterministic,
  collision-free id per operation. Paths, methods and summaries are always verbatim.
cross_cutting_warnings:
- >-
  NO IDEMPOTENCY. The string "idempoten" does not appear anywhere in the specification
  and no operation declares any header parameter. Every create - wiring instruction Send,
  Collect and Confirm, identity verification, account verification, CreateDisbursement
  and CreatePayoffOrder - is a non-idempotent POST that moves money or contacts a real
  person. Reconcile before retrying a timeout; never blind-retry.
- >-
  NO WEBHOOKS AND NO EVENTS. CertifID publishes no consumer event surface and no
  AsyncAPI. Completion is discovered by polling only. The endpoint named
  IdVerificationResultUrlWebhook is an inbound receiver for CertifID's own IDV vendor,
  not a subscription integrators can use.
- >-
  NO DOCUMENTED RATE LIMIT. No 429 is declared on any of the 57 operations and no
  RateLimit or Retry-After header appears. The real ceiling is unknown, so poll
  conservatively with backoff.
- >-
  READS ARE OFTEN POST. The Disbursements, Lenders and Users groups use POST for
  verb-named read operations. Do not assume HTTP-method semantics and do not let caching
  treat them as safe.
- >-
  PAGINATION IS ZERO-BASED AND IN THE BODY. zeroBasedPage means page 1 is the second
  page, and because paging parameters travel in the POST body a page is not a
  bookmarkable URL.
- >-
  TWO ERROR ENVELOPES. ASP.NET ProblemDetails (served as application/json, never
  application/problem+json) and a proprietary CertifID Response envelope with an integer
  errors[].code. Only one numeric code (119, Invalid Phone Number) is published. 401, 403
  and 500 carry no schema at all.
- >-
  403 MEANS ENTITLEMENT, NOT AUTH. A 403 documents that the company lacks the product
  (identity verification, PayoffProtectProduct) or that the consumer cannot access that
  resource. Retrying never fixes it.
skills:
- name: certifid-send-wiring-instructions
  file: certifid-send-wiring-instructions.md
  flow: Send
  summary: Securely send wiring instructions to a buyer and retrieve the PDF certificate.
  operations: 5
  scopes:
  - CertifIDUser
  - RequestProduct
  - ResourceAccessToken|read:requests|requestId|SendRequest
- name: certifid-collect-and-confirm-wiring-instructions
  file: certifid-collect-and-confirm-wiring-instructions.md
  flow: Collect / Confirm
  summary: Collect a seller's wiring instructions and confirm instructions already held.
  operations: 6
  scopes:
  - CertifIDUser
  - RequestProduct
  - ResourceAccessToken|read:requests|requestId|CollectRequest
  - ResourceAccessToken|read:requests|requestId|ConfirmRequest
- name: certifid-verify-identity
  file: certifid-verify-identity.md
  flow: Match / IDV
  summary: Initiate an identity verification, poll it, and retrieve its certificate.
  operations: 3
  scopes:
  - CertifIDUser
  - ResourceAccessToken|read:requests|requestId|IdentityRequest
- name: certifid-verify-account-and-business
  file: certifid-verify-account-and-business.md
  flow: Payoff / Business Verifications
  summary: Create, search, read and cancel account and business verifications.
  operations: 6
  scopes:
  - CertifIDUser
  - RequestCreator
- name: certifid-order-and-verify-payoff
  file: certifid-order-and-verify-payoff.md
  flow: Payoff Ordering + Disbursements (PayoffProtect)
  summary: Order a mortgage payoff from a lender and verify the payoff disbursement.
  operations: 17
  scopes:
  - CertifIDUser
  - PayoffProtectProduct
  - ResourceAccessToken|read:payofforder|payoffOrderId|PayoffOrder
  - ResourceAccessToken|read:disbursements|id|DisbursementVerification
coverage:
  operations_total: 57
  operations_covered: 37
  uncovered:
  - group: Account / Location / Underwriter
    reason: Tenancy reads (Account, Location, Underwriter, bank information) used as
      supporting lookups rather than a flow of their own.
  - group: Integration
    reason: >-
      12 read-only Integration/* operations that mirror the Send, Collect, Confirm,
      Identity, Disbursement and PayoffOrder resources for title-production-system
      partners. They duplicate flows already covered.
  - group: Test
    reason: Three diagnostic /api/Test/* endpoints, one explicitly unauthenticated.
  - group: Users / WiringInstructions metadata
    reason: Single supporting reads.