generated: '2026-08-25'
method: searched
source: https://lumindigital.com/extensibility/
note: >-
  This file records what could NOT be established, and why, rather than guessing. Lumin Digital
  publishes no OpenAPI, AsyncAPI, GraphQL SDL or public API reference (see x-coverage in apis.yml), so
  every cross-cutting semantic below is `not-public` — meaning the platform certainly has a
  convention, but no public artifact states it. `not-public` is deliberately distinct from `none`:
  asserting an absence of idempotency or pagination for an API we cannot read would be a fabrication
  in the other direction. NOTHING here is inferred from the domain or from peer platforms.
surfaces:
  openapi: null
  graphql: null
  asyncapi: null
  public_reference: null
  gated_reference: https://clients.lumindigital.com/
auth_style:
  status: not-public
  known: >-
    The extensibility page states that financial institutions and third-party vendors integrate via
    Lumin Digital APIs and an SDK licensed under
    https://lumindigital.com/software-development-kit-license-agreement/. No auth scheme, token
    format, header name or OAuth surface is documented publicly; probes of
    /.well-known/openid-configuration and /.well-known/oauth-authorization-server on every reachable
    host returned 404 (or 302 to login on the client portal).
idempotency:
  status: not-public
  header: null
  note: >-
    Undetermined. No Idempotency pointer is emitted in apis.yml — emitting one without a documented
    idempotency key would be false credit on a 9-point agent-readiness dimension.
pagination:
  status: not-public
field_expansion:
  status: not-public
metadata:
  status: not-public
request_id_tracing:
  status: not-public
versioning:
  status: not-public
  see: lifecycle/lumin-digital-lifecycle.yml
error_envelope:
  status: not-public
  rfc9457: unknown
  see: no errors/ artifact — nothing to derive from
rate_limit_signaling:
  status: not-public
  see: rate-limits/lumin-digital-rate-limits.yml
reversibility:
  status: not-public
  grade: unknown
  read_only: false
  na: false
  note: >-
    Not `na`. Lumin Digital's platform is unambiguously a write surface — the digital banking product
    moves money (transfers, bill pay, Zelle, deposits) and opens accounts, so reversal operations
    (payment cancel, transfer reverse, void) certainly exist behind the API. But NO public
    documentation states which operations are reversible, or the window inside which a reversal
    works, so no reversal path and no window is recorded. An invented window here is the single error
    in this pipeline that could cost a user real money, so the honest value is `unknown` and the
    dimension stays unscored rather than being filled.
  reversal_operations: []
  windows: []
dry_run_mode:
  status: not-public