overlay: 1.0.0
info:
  title: Citizens Account Transfer API enrichment overlay
  version: 1.0.0
  x-generated: '2026-09-05'
  x-method: generated
  x-source: API Evangelist enrichment pass 2026-09-05; every value is quoted from a Citizens-published document
    named in the action description.
extends: citizens-financial-group-account-transfer-openapi.yml
actions:
- target: $.info
  description: Record harvest provenance.
  update:
    x-apis-io-harvested: '2026-09-05'
    x-apis-io-source: https://developer.citizensbank.com/product/commercial-banking/api/accounttransfer-v1
- target: $.paths['/initiate'].post
  description: Record the transfer constraints and the absence of a reversal path, both published in the user guide.
  update:
    x-constraints:
      same-day-only: true
      future-dated: false
      scope: transfers between the client's own Citizens accounts
    x-reversibility:
      reversal-operation: null
      window: null
    x-idempotency:
      mechanism: null
      note: No duplicate-key protection is documented. AT-409 Conflict exists but its trigger is not specified.
    x-rate-limit-error: AT-429