{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/kontomatik/main/json-schema/kontomatik-owner-schema.json",
  "title": "KontomatikOwner",
  "description": "An account owner identified through Kontomatik AIS, PDF parsing, or owner upload.",
  "type": "object",
  "required": ["externalId"],
  "properties": {
    "externalId": {"type": "string", "description": "Client-supplied stable identifier used for aggregation."},
    "name": {"type": "string"},
    "nationalId": {"type": "string"},
    "email": {"type": "string", "format": "email"},
    "address": {"type": "string"},
    "country": {"type": "string", "enum": ["PL", "CZ", "ES", "PT", "RO", "LT", "LV", "EE"]},
    "accounts": {
      "type": "array",
      "items": {"$ref": "https://raw.githubusercontent.com/api-evangelist/kontomatik/main/json-schema/kontomatik-account-schema.json"}
    }
  }
}