slug: dwolla
provider: Dwolla
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 7
edges:
- tag: transfers
  spec_file: dwolla-transfers-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.92
  evidence: POST /transfers initiateTransfer 'Initiate a transfer'; POST /transfers/{id} cancelTransfer;
    GET /transfers/{id}/failure 'Retrieve a transfer failure reason'; schemas RtpAccountSettingNotEnabledError,
    WireAccountNotFoundError
  reason: 'Core money-movement surface: initiating, cancelling and inspecting ACH/RTP/wire transfers including
    fees and failure reasons — payment instruction capture, validation and authorisation.'
- tag: mass payments
  spec_file: dwolla-mass-payments-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.9
  evidence: POST /mass-payments initiateMassPayment 'Initiate a mass payment'; 'List items for a mass
    payment'; schema TransferAmount
  reason: Operations capture and submit batches of payment instructions (mass payment with items) on an
    ACH/RTP rail, which is payment instruction capture and authorisation.
- tag: beneficial owners
  spec_file: dwolla-beneficial-owners-api-openapi.yml
  capability_id: BC-1300.20
  capability_id_l1: BC-1300
  capability_name: KYC & Customer Due Diligence Management
  confidence: 0.85
  evidence: POST /customers/{id}/beneficial-ownership certifyBeneficialOwnershipForCustomer Certify beneficial
    ownership; GET /customers/{id}/beneficial-ownership getBeneficialOwnershipStatusForCustomer
  reason: Capturing, verifying and certifying beneficial owners (with passport/address schemas) is the
    beneficial-ownership component of customer due diligence required of financial institutions, mapping
    to KYC & Customer Due Diligence Management.
- tag: webhook subscriptions
  spec_file: dwolla-webhook-subscriptions-api-openapi.yml
  capability_id: BC-4270.80
  capability_id_l1: BC-4270
  capability_name: Webhook & Event Subscription Management
  confidence: 0.85
  evidence: POST /webhook-subscriptions createWebhookSubscription 'Create a webhook subscription'; schema
    WebhookSubscription, MaxSubscriptionsReachedError
  reason: Lifecycle management of outbound webhook subscriptions for platform events — developer-platform
    event subscription management, not a banking business capability.
- tag: webhooks
  spec_file: dwolla-webhooks-api-openapi.yml
  capability_id: BC-4270.80
  capability_id_l1: BC-4270
  capability_name: Webhook & Event Subscription Management
  confidence: 0.8
  evidence: GET /webhooks/{id}/retries listWebhookRetries; POST /webhooks/{id}/retries retryWebhook; schema
    WebhookRetries
  reason: Inspection and retry of outbound webhook deliveries — event delivery reliability on the developer
    platform. Technical integration surface.
- tag: customers
  spec_file: dwolla-customers-api-openapi.yml
  capability_id: BC-1300.10
  capability_id_l1: BC-1300
  capability_name: Customer Onboarding Management
  confidence: 0.7
  evidence: POST /customers createCustomer Create a customer; schemas UpgradeToVerifiedPersonal, CreateVerifiedBusinessCustomerWithController,
    VerifiedSolePropCustomer, SuspendCustomer
  reason: Operations create and upgrade payment customers through verified/unverified states with controller
    and business-classification data — account opening with identity verification for a financial services
    platform, i.e. Customer Onboarding Management. Some overlap with customer information maintenance
    keeps confidence moderate.
- tag: funding sources
  spec_file: dwolla-funding-sources-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.7
  evidence: POST /funding-sources/{id}/micro-deposits initiateOrVerifyMicroDeposits; GET /funding-sources/{id}/ach-routing
    getVanRouting Retrieve VAN account and routing numbers; POST /on-demand-authorizations createOnDemandTransferAuthorization
  reason: Operations establish and verify the bank/card instruments used to move money (micro-deposit
    verification, ACH routing numbers, balances, transfer authorisations) — payment instrument and authorisation
    management within Payments & Card Management. Spans instrument setup and payment authorisation, so
    no single L2.