> ## Documentation Index > Fetch the complete documentation index at: https://docs.caratuva.com/llms.txt > Use this file to discover all available pages before exploring further. # Finish onboarding: capture submission and deliver a ToS link to the seller > Final step of seller onboarding. Captures the seller's full KYB submission body and PIX payout config, then mints a single-use link to accept the settlement partner's terms. `delivery: 'email'` (default) emails the seller (requires the account's `email`); `delivery: 'link'` returns the `acceptUrl` for you to deliver yourself. The BlindPay submission (then payout registration) fires automatically once the seller accepts. Seller accounts only; the account must still be `created`. ## OpenAPI ````yaml https://api.caratuva.com/docs-json post /v1/accounts/{id}/request-tos openapi: 3.0.0 info: title: Caratuva API description: >- Cross-border B2B payments. Fiat on-ramp → USDC → PIX off-ramp. Every request runs in **test** or **live** mode on this single host — there is no separate sandbox URL. API keys carry the mode in their prefix (`pk_test_…` / `pk_live_…`); dashboard JWTs start in test and re-mint via `POST /v1/auth/switch-mode`. Test mode runs the full pipeline against a sandbox payment instance (KYB/KYC auto-approve, no real money); live runs on real rails and requires approved KYB. Test and live data are fully isolated. Check readiness with `GET /v1/onboarding/status`. version: 1.0.0 contact: {} servers: [] security: [] tags: - name: Invoices description: Create and manage invoices that collect for one of your sellers. - name: Payments description: Create a payment (keep your own checkout), fetch it, or cancel it. - name: Accounts description: >- Onboard and manage your sellers, buyers, and your own (self) account at the settlement partner. - name: Webhooks description: Subscribe to outbound event notifications and manage signing secrets. - name: API keys description: Issue, list, and revoke the API keys that authenticate your integration. - name: Access description: Request and check production (live-mode) access for your organization. - name: Reports description: Pull settlement and transfer-pricing reports. paths: /v1/accounts/{id}/request-tos: post: tags: - Accounts summary: >- Finish onboarding: capture submission and deliver a ToS link to the seller description: >- Final step of seller onboarding. Captures the seller's full KYB submission body and PIX payout config, then mints a single-use link to accept the settlement partner's terms. `delivery: 'email'` (default) emails the seller (requires the account's `email`); `delivery: 'link'` returns the `acceptUrl` for you to deliver yourself. The BlindPay submission (then payout registration) fires automatically once the seller accepts. Seller accounts only; the account must still be `created`. operationId: ConnectedAccountsController_requestTos parameters: - name: id required: true in: path schema: type: string requestBody: required: true content: application/json: schema: type: object properties: submit: type: object properties: tosId: type: string minLength: 1 kycTier: type: string enum: - standard - enhanced email: type: string format: email country: type: string minLength: 2 maxLength: 2 phone: type: string minLength: 3 maxLength: 32 firstName: type: string minLength: 1 maxLength: 100 lastName: type: string minLength: 1 maxLength: 100 dateOfBirth: type: string taxId: type: string minLength: 1 maxLength: 64 addressLine1: type: string minLength: 1 maxLength: 200 addressLine2: type: string maxLength: 200 city: type: string minLength: 1 maxLength: 120 stateProvinceRegion: type: string minLength: 1 maxLength: 120 postalCode: type: string minLength: 1 maxLength: 32 idDocCountry: type: string minLength: 2 maxLength: 2 idDocType: type: string enum: - PASSPORT - ID_CARD - DRIVERS idDocNumber: type: string minLength: 1 maxLength: 64 selfieFile: type: string format: uri idDocFrontFile: type: string format: uri idDocBackFile: type: string format: uri legalName: type: string minLength: 1 maxLength: 200 cnpj: type: string pattern: ^\d{14}$ formationDate: type: string website: type: string format: uri incorporationDocFile: type: string format: uri proofOfOwnershipDocFile: type: string format: uri proofOfAddressDocType: type: string enum: - UTILITY_BILL - BANK_STATEMENT - RENTAL_AGREEMENT - TAX_DOCUMENT - GOVERNMENT_CORRESPONDENCE proofOfAddressDocFile: type: string format: uri owners: type: array items: type: object properties: role: type: string enum: - beneficial_controlling - beneficial_owner - controlling_person firstName: type: string minLength: 1 maxLength: 100 lastName: type: string minLength: 1 maxLength: 100 dateOfBirth: type: string pattern: ^\d{4}-\d{2}-\d{2}$ taxId: type: string minLength: 1 maxLength: 64 taxType: type: string enum: - SSN - ITIN addressLine1: type: string minLength: 1 maxLength: 200 addressLine2: type: string maxLength: 200 city: type: string minLength: 1 maxLength: 120 stateProvinceRegion: type: string minLength: 1 maxLength: 120 postalCode: type: string minLength: 1 maxLength: 32 country: type: string minLength: 2 maxLength: 2 phone: type: string minLength: 3 maxLength: 32 idDocCountry: type: string minLength: 2 maxLength: 2 idDocType: type: string enum: - PASSPORT - ID_CARD - DRIVERS idDocNumber: type: string minLength: 1 maxLength: 64 selfieFile: type: string format: uri idDocFrontFile: type: string format: uri idDocBackFile: type: string format: uri proofOfAddressDocType: type: string enum: - UTILITY_BILL - BANK_STATEMENT - RENTAL_AGREEMENT - TAX_DOCUMENT - GOVERNMENT_CORRESPONDENCE proofOfAddressDocFile: type: string format: uri required: - role - firstName - lastName - dateOfBirth - taxId - addressLine1 - city - stateProvinceRegion - postalCode - country - idDocCountry - idDocType - selfieFile - idDocFrontFile - proofOfAddressDocType - proofOfAddressDocFile additionalProperties: false minItems: 1 maxItems: 10 metadata: type: object additionalProperties: type: string additionalProperties: false payout: anyOf: - type: object properties: pixKey: type: string minLength: 1 maxLength: 200 accountHolderName: type: string minLength: 1 maxLength: 200 name: type: string minLength: 1 maxLength: 120 required: - pixKey additionalProperties: false - anyOf: - type: object properties: type: type: string enum: - pix name: type: string minLength: 1 maxLength: 120 pixKey: type: string minLength: 1 maxLength: 200 required: - type - pixKey additionalProperties: false - type: object properties: type: type: string enum: - international_swift name: type: string minLength: 1 maxLength: 120 accountClass: type: string minLength: 1 swiftCodeBic: type: string minLength: 1 swiftAccountHolderName: type: string minLength: 1 swiftAccountNumberIban: type: string minLength: 1 swiftBeneficiaryAddressLine1: type: string minLength: 1 swiftBeneficiaryCountry: type: string minLength: 2 maxLength: 2 swiftBeneficiaryCity: type: string minLength: 1 swiftBeneficiaryStateProvinceRegion: type: string minLength: 1 swiftBeneficiaryPostalCode: type: string minLength: 1 swiftBankName: type: string minLength: 1 swiftBankAddressLine1: type: string minLength: 1 swiftBankAddressLine2: type: string swiftBankCountry: type: string minLength: 2 maxLength: 2 swiftBankCity: type: string minLength: 1 swiftBankStateProvinceRegion: type: string minLength: 1 swiftBankPostalCode: type: string minLength: 1 recipientRelationship: type: string minLength: 1 swiftPaymentCode: type: string businessIndustry: type: string taxId: type: string phoneNumber: type: string required: - type - accountClass - swiftCodeBic - swiftAccountHolderName - swiftAccountNumberIban - swiftBeneficiaryAddressLine1 - swiftBeneficiaryCountry - swiftBeneficiaryCity - swiftBeneficiaryStateProvinceRegion - swiftBeneficiaryPostalCode - swiftBankName - swiftBankAddressLine1 - swiftBankCountry - swiftBankCity - swiftBankStateProvinceRegion - swiftBankPostalCode - recipientRelationship additionalProperties: false - type: object properties: type: type: string enum: - ach name: type: string minLength: 1 maxLength: 120 beneficiaryName: type: string minLength: 1 routingNumber: type: string minLength: 1 accountNumber: type: string minLength: 1 accountType: type: string minLength: 1 accountClass: type: string minLength: 1 addressLine1: type: string minLength: 1 addressLine2: type: string city: type: string minLength: 1 stateProvinceRegion: type: string minLength: 1 country: type: string minLength: 2 maxLength: 2 postalCode: type: string minLength: 1 recipientRelationship: type: string minLength: 1 required: - type - beneficiaryName - routingNumber - accountNumber - accountType - accountClass - addressLine1 - city - stateProvinceRegion - country - postalCode - recipientRelationship additionalProperties: false - type: object properties: type: type: string enum: - wire name: type: string minLength: 1 maxLength: 120 beneficiaryName: type: string minLength: 1 routingNumber: type: string minLength: 1 accountNumber: type: string minLength: 1 accountClass: type: string minLength: 1 addressLine1: type: string minLength: 1 addressLine2: type: string city: type: string minLength: 1 stateProvinceRegion: type: string minLength: 1 country: type: string minLength: 2 maxLength: 2 postalCode: type: string minLength: 1 recipientRelationship: type: string minLength: 1 required: - type - beneficiaryName - routingNumber - accountNumber - accountClass - addressLine1 - city - stateProvinceRegion - country - postalCode - recipientRelationship additionalProperties: false - type: object properties: type: type: string enum: - rtp name: type: string minLength: 1 maxLength: 120 beneficiaryName: type: string minLength: 1 routingNumber: type: string minLength: 1 accountNumber: type: string minLength: 1 accountClass: type: string minLength: 1 addressLine1: type: string minLength: 1 addressLine2: type: string city: type: string minLength: 1 stateProvinceRegion: type: string minLength: 1 country: type: string minLength: 2 maxLength: 2 postalCode: type: string minLength: 1 recipientRelationship: type: string minLength: 1 required: - type - beneficiaryName - routingNumber - accountNumber - accountClass - addressLine1 - city - stateProvinceRegion - country - postalCode - recipientRelationship additionalProperties: false - type: object properties: type: type: string enum: - spei_bitso name: type: string minLength: 1 maxLength: 120 beneficiaryName: type: string minLength: 1 speiProtocol: type: string minLength: 1 speiInstitutionCode: type: string minLength: 1 speiClabe: type: string minLength: 1 required: - type - beneficiaryName - speiProtocol - speiInstitutionCode - speiClabe additionalProperties: false - type: object properties: type: type: string enum: - ach_cop_bitso name: type: string minLength: 1 maxLength: 120 accountType: type: string minLength: 1 achCopBeneficiaryFirstName: type: string minLength: 1 achCopBeneficiaryLastName: type: string minLength: 1 achCopDocumentId: type: string minLength: 1 achCopDocumentType: type: string minLength: 1 achCopEmail: type: string minLength: 1 achCopBankCode: type: string minLength: 1 achCopBankAccount: type: string minLength: 1 required: - type - accountType - achCopBeneficiaryFirstName - achCopBeneficiaryLastName - achCopDocumentId - achCopDocumentType - achCopEmail - achCopBankCode - achCopBankAccount additionalProperties: false - type: object properties: type: type: string enum: - transfers_bitso name: type: string minLength: 1 maxLength: 120 beneficiaryName: type: string minLength: 1 transfersType: type: string minLength: 1 transfersAccount: type: string minLength: 1 required: - type - beneficiaryName - transfersType - transfersAccount additionalProperties: false delivery: type: string enum: - email - link default: email required: - submit additionalProperties: false examples: default: value: submit: legalName: Fazenda Boa Vista Café LTDA cnpj: '12345678000190' email: finance@fazendaboavista.com.br country: BR payout: pixKey: acme@pix.example.com accountHolderName: Fazenda Boa Vista Café LTDA responses: '201': description: >- Submission captured; ToS acceptance link returned (and emailed to the seller when delivery=email) content: application/json: schema: type: object properties: connectedAccountId: type: string acceptUrl: type: string format: uri emailSent: type: boolean required: - connectedAccountId - acceptUrl - emailSent additionalProperties: false examples: default: value: connectedAccountId: ckacc042 acceptUrl: https://api.caratuva.com/v1/public/tos/start?t=abc123 emailSent: true '400': description: >- SellerEmailRequired — A seller email is required to send the ToS acceptance link (also: TosRequestSellerOnly, TosAlreadyRequested). content: application/json: schema: type: object properties: statusCode: type: integer example: 400 error: type: string example: SellerEmailRequired message: type: string example: >- A seller email is required to send the ToS acceptance link (also: TosRequestSellerOnly, TosAlreadyRequested). security: - apiKey: [] - bearer: [] components: securitySchemes: apiKey: type: apiKey in: header name: X-API-Key bearer: scheme: bearer bearerFormat: JWT type: http ````