Socure Bank Account Onboarding

arazzo: 1.0.1
info:
  title: Socure Bank Account Onboarding
  summary: Validate a funding bank account, then run a decision evaluation on the account owner when the account is open.
  description: >-
    The funding-account onboarding flow for fintech and ACH origination. The
    workflow validates a US bank account by routing and account number through
    Account Intelligence, branches on the returned account status, and — when the
    account is open — runs a decision evaluation against the account owner so a
    deterministic accept, reject, or review outcome is produced. Every step
    inlines its request so the funding flow can be read and executed without
    opening the underlying OpenAPI descriptions.
  version: 1.0.0
sourceDescriptions:
- name: accountIntelligenceApi
  url: ../openapi/socure-account-intelligence-api-openapi.yml
  type: openapi
- name: decisionApi
  url: ../openapi/socure-decision-api-openapi.yml
  type: openapi
workflows:
- workflowId: bank-account-onboarding
  summary: Validate a bank account and run an owner decision only when the account is open.
  description: >-
    Validates a US bank account, branches on account status, and runs a decision
    evaluation against the account owner when the account is open.
  inputs:
    type: object
    required:
    - apiKey
    - routingNumber
    - accountNumber
    - firstName
    - surName
    properties:
      apiKey:
        type: string
        description: Socure API key presented as `SocureApiKey <api-key>`.
      routingNumber:
        type: string
        description: 9-digit ABA routing number.
      accountNumber:
        type: string
        description: Bank account number to validate.
      accountType:
        type: string
        description: Account type (checking or savings).
      firstName:
        type: string
      surName:
        type: string
      customerUserId:
        type: string
      dob:
        type: string
      nationalId:
        type: string
  steps:
  - stepId: validateAccount
    description: >-
      Validate the funding bank account with the accountintelligence module and
      capture its open/closed status and owner match.
    operationId: validateBankAccount
    parameters:
    - name: Authorization
      in: header
      value: SocureApiKey $inputs.apiKey
    requestBody:
      contentType: application/json
      payload:
        modules:
        - accountintelligence
        routingNumber: $inputs.routingNumber
        accountNumber: $inputs.accountNumber
        accountType: $inputs.accountType
        firstName: $inputs.firstName
        surName: $inputs.surName
    successCriteria:
    - condition: $statusCode == 200
    outputs:
      referenceId: $response.body#/referenceId
      accountStatus: $response.body#/accountIntelligence/accountStatus
      ownerMatch: $response.body#/accountIntelligence/ownerMatch
    onSuccess:
    - name: accountOpen
      type: goto
      stepId: evaluateOwner
      criteria:
      - context: $response.body
        condition: $.accountIntelligence.accountStatus == "open"
        type: jsonpath
    - name: accountNotOpen
      type: end
      criteria:
      - context: $response.body
        condition: $.accountIntelligence.accountStatus != "open"
        type: jsonpath
  - stepId: evaluateOwner
    description: >-
      Run a decision evaluation against the account owner so a deterministic
      onboarding outcome is produced for the validated funding account.
    operationId: evaluateDecision
    parameters:
    - name: Authorization
      in: header
      value: SocureApiKey $inputs.apiKey
    requestBody:
      contentType: application/json
      payload:
        modules:
        - decision
        - kyc
        customerUserId: $inputs.customerUserId
        firstName: $inputs.firstName
        surName: $inputs.surName
        dob: $inputs.dob
        nationalId: $inputs.nationalId
    successCriteria:
    - condition: $statusCode == 200
    outputs:
      referenceId: $response.body#/referenceId
      decision: $response.body#/decision/value
      ruleSet: $response.body#/decision/ruleSet
  outputs:
    accountReferenceId: $steps.validateAccount.outputs.referenceId
    accountStatus: $steps.validateAccount.outputs.accountStatus
    ownerMatch: $steps.validateAccount.outputs.ownerMatch
    decision: $steps.evaluateOwner.outputs.decision