{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/AccountConfiguration",
  "title": "AccountConfiguration",
  "properties": {
    "account_holder": {
      "properties": {
        "business_account_token": {
          "description": "Only applicable for customers using the KYC-Exempt workflow to enroll authorized users of businesses. Account_token of the enrolled business associated with an enrolled AUTHORIZED_USER individual.",
          "example": "e87db14a-4abf-4901-adad-5d5c9f46aff2",
          "type": "string"
        },
        "email": {
          "description": "Email address.",
          "example": "jack@lithic.com",
          "type": "string"
        },
        "phone_number": {
          "description": "Phone number of the individual.",
          "example": "+15555555555",
          "type": "string"
        },
        "token": {
          "description": "Globally unique identifier for the account holder.",
          "example": "95e5f1b7-cfd5-4520-aa3c-2451bab8608d",
          "type": "string"
        }
      },
      "required": [
        "business_account_token",
        "email",
        "phone_number",
        "token"
      ],
      "type": "object"
    },
    "auth_rule_tokens": {
      "description": "List of identifiers for the Auth Rule(s) that are applied on the account.\nThis field is deprecated and will no longer be populated in the `account_holder` object. The key will be removed from the schema in a future release. Use the `/auth_rules` endpoints to fetch Auth Rule information instead.",
      "items": {
        "type": "string"
      },
      "type": "array",
      "deprecated": true
    },
    "cardholder_currency": {
      "description": "3-character alphabetic ISO 4217 code for the currency of the cardholder.",
      "example": "USD",
      "type": "string"
    },
    "spend_limit": {
      "description": "Spend limit information for the user containing the daily, monthly, and lifetime spend limit of the account. Any charges to a card owned by this account will be declined once their transaction volume has surpassed the value in the applicable time limit (rolling). A lifetime limit of 0 indicates that the lifetime limit feature is disabled.\n",
      "properties": {
        "daily": {
          "description": "Daily spend limit (in cents).",
          "example": 10000,
          "minimum": 0,
          "type": "integer"
        },
        "lifetime": {
          "description": "Total spend limit over account lifetime (in cents).",
          "example": 100000,
          "minimum": 0,
          "type": "integer"
        },
        "monthly": {
          "description": "Monthly spend limit (in cents).",
          "example": 40000,
          "minimum": 0,
          "type": "integer"
        }
      },
      "required": [
        "daily",
        "lifetime",
        "monthly"
      ],
      "type": "object"
    },
    "state": {
      "description": "Account state:\n  * `ACTIVE` - Account is able to transact and create new cards.\n  * `PAUSED` - Account will not be able to transact or create new cards. It can be set back\nto `ACTIVE`.\n  * `CLOSED` - Account will not be able to transact or create new cards. `CLOSED` accounts\nare unable to be transitioned to `ACTIVE` or `PAUSED` states. Accounts can be manually set to `CLOSED`, or this can be done by Lithic due to failure to pass KYB/KYC or for risk/compliance reasons. Please contact [support@lithic.com](mailto:support@lithic.com) if you believe this was done by mistake.",
      "enum": [
        "ACTIVE",
        "PAUSED",
        "CLOSED"
      ],
      "type": "string"
    },
    "substatus": {
      "description": "Account state substatus values:\n* `FRAUD_IDENTIFIED` - The account has been recognized as being created or used with stolen or fabricated identity information, encompassing both true identity theft and synthetic identities.\n* `SUSPICIOUS_ACTIVITY` - The account has exhibited suspicious behavior, such as unauthorized access or fraudulent transactions, necessitating further investigation.\n* `RISK_VIOLATION` - The account has been involved in deliberate misuse by the legitimate account holder. Examples include disputing valid transactions without cause, falsely claiming non-receipt of goods, or engaging in intentional bust-out schemes to exploit account services.\n* `END_USER_REQUEST` - The account holder has voluntarily requested the closure of the account for personal reasons. This encompasses situations such as bankruptcy, other financial considerations, or the account holder's death.\n* `ISSUER_REQUEST` - The issuer has initiated the closure of the account due to business strategy, risk management, inactivity, product changes, regulatory concerns, or violations of terms and conditions.\n* `NOT_ACTIVE` - The account has not had any transactions or payment activity within a specified period. This status applies to accounts that are paused or closed due to inactivity.\n* `INTERNAL_REVIEW` - The account is temporarily paused pending further internal review. In future implementations, this status may prevent clients from activating the account via APIs until the review is completed.\n* `OTHER` - The reason for the account's current status does not fall into any of the above categories. A comment should be provided to specify the particular reason.\n",
      "enum": [
        "FRAUD_IDENTIFIED",
        "SUSPICIOUS_ACTIVITY",
        "RISK_VIOLATION",
        "END_USER_REQUEST",
        "ISSUER_REQUEST",
        "NOT_ACTIVE",
        "INTERNAL_REVIEW",
        "OTHER"
      ],
      "type": [
        "string",
        "null"
      ]
    },
    "comment": {
      "description": "Additional context or information related to the account.",
      "type": "string"
    },
    "token": {
      "description": "Globally unique identifier for the account. This is the same as the account_token returned by the enroll endpoint. If using this parameter, do not include pagination.\n",
      "example": "b68b7424-aa69-4cbc-a946-30d90181b621",
      "format": "uuid",
      "type": "string"
    },
    "verification_address": {
      "properties": {
        "address1": {
          "description": "Valid deliverable address (no PO boxes).",
          "example": "124 Old Forest Way",
          "type": "string"
        },
        "address2": {
          "description": "Unit or apartment number (if applicable).",
          "example": "Apt 21",
          "type": "string"
        },
        "city": {
          "description": "City name.",
          "example": "Seattle",
          "type": "string"
        },
        "country": {
          "description": "Country name. Only USA is currently supported.",
          "example": "USA",
          "type": "string"
        },
        "postal_code": {
          "description": "Valid postal code. Only USA postal codes (ZIP codes) are currently supported, entered as a five-digit postal code or nine-digit postal code (ZIP+4) using the format 12345-1234.",
          "example": "98109",
          "type": "string"
        },
        "state": {
          "description": "Valid state code. Only USA state codes are currently supported, entered in uppercase ISO 3166-2 two-character format.",
          "example": "WA",
          "type": "string"
        }
      },
      "required": [
        "address1",
        "city",
        "country",
        "postal_code",
        "state"
      ],
      "type": "object",
      "deprecated": true
    },
    "created": {
      "description": "Timestamp of when the account was created.",
      "format": "date-time",
      "type": [
        "string",
        "null"
      ]
    }
  },
  "required": [
    "spend_limit",
    "state",
    "token",
    "created"
  ],
  "type": "object"
}