> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Create application

> Create a credit application.

Required scope: `lending:write`. Creates application record; does not approve or fund. Once account cancellation is submitted, processing and usage deductions stop immediately. Reject new operational commands with 409 invalid_state; pending work is cancelled without another debit. Read-only reporting remains available until workspace deletion. Accepted commands have a durable request receipt. Full response replay lasts 24 hours; afterward the same key and target return 409 idempotency_result_expired without re-execution. Different payloads return 409 idempotency_conflict. Use GET /v1/request-receipts/lookup to find the original resource. The fingerprint includes the resolved target path and intended payload; a key used on another target is rejected rather than replayed onto it. Pre-execution validation or insufficient-credit rejection creates no accepted receipt.

**Required scope:** `lending:write`

Create a credit application.

Required scope: `lending:write`. Creates application record; does not approve or fund. Once account cancellation is submitted, processing and usage deductions stop immediately. Reject new operational commands with 409 invalid\_state; pending work is cancelled without another debit. Read-only reporting remains available until workspace deletion. Accepted commands have a durable request receipt. Full response replay lasts 24 hours; afterward the same key and target return 409 idempotency\_result\_expired without re-execution. Different payloads return 409 idempotency\_conflict. Use GET /v1/request-receipts/lookup to find the original resource. The fingerprint includes the resolved target path and intended payload; a key used on another target is rejected rather than replayed onto it. Pre-execution validation or insufficient-credit rejection creates no accepted receipt.

[Product scope](https://docs.amlok.io/api-reference/products-and-endpoints.md) · [Processing lifecycle](https://docs.amlok.io/api-reference/processing-lifecycle.md) · [Errors](https://docs.amlok.io/api-reference/errors.md)


## OpenAPI

````yaml openapi/amlok-v1.json POST /v1/applications
openapi: 3.1.0
info:
  title: AMLOK API
  version: 1.4.2
  description: >-
    API reference for AMLOK 1.4.2, with example requests and responses.
    Configure your institution-issued environment URL before making requests.
  x-source-workbook: >-
    https://docs.google.com/spreadsheets/d/14pU2PLv9JDda8gAa1367hipa2oJQB260fIJthevrp10/edit
servers:
  - url: https://api.example.com
    description: Set the server URL to your institution-issued AMLOK environment URL.
security:
  - BearerAuth: []
tags:
  - name: Platform
    description: Platform operations.
  - name: Identity
    description: Identity operations.
  - name: Banking
    description: Banking operations.
  - name: Payments
    description: Payments operations.
  - name: Commerce
    description: Commerce operations.
  - name: Accounting
    description: Accounting operations.
  - name: Inventory
    description: Inventory operations.
  - name: Lending
    description: Lending operations.
  - name: Liens
    description: Liens operations.
  - name: Risk
    description: Risk operations.
  - name: Operations
    description: Operations operations.
  - name: Webhooks
    description: Webhooks operations.
  - name: Reporting
    description: Reporting operations.
paths:
  /v1/applications:
    post:
      tags:
        - Lending
      summary: Create application
      description: >-
        Create a credit application.


        Required scope: `lending:write`. Creates application record; does not
        approve or fund. Once account cancellation is submitted, processing and
        usage deductions stop immediately. Reject new operational commands with
        409 invalid_state; pending work is cancelled without another debit.
        Read-only reporting remains available until workspace deletion. Accepted
        commands have a durable request receipt. Full response replay lasts 24
        hours; afterward the same key and target return 409
        idempotency_result_expired without re-execution. Different payloads
        return 409 idempotency_conflict. Use GET /v1/request-receipts/lookup to
        find the original resource. The fingerprint includes the resolved target
        path and intended payload; a key used on another target is rejected
        rather than replayed onto it. Pre-execution validation or
        insufficient-credit rejection creates no accepted receipt.
      operationId: EP146
      parameters:
        - name: X-Request-ID
          in: header
          required: false
          description: >-
            Optional caller correlation ID; the response includes AMLOK
            request_id.
          schema:
            type: string
          example: client-request-example
        - name: Idempotency-Key
          in: header
          required: true
          description: >-
            Reuse for retries of the same intended command and identical
            payload. Retention: 24 hours.
          schema:
            type: string
          example: idem_example_1001
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/EP146Request'
            example:
              applicant_entity_id: biz_example
              product_type: term_loan
              requested_amount:
                amount: '100000.00'
                currency: CAD
              purpose: Equipment purchase
              requested_term_months: 36
      responses:
        '201':
          description: Create a credit application.
          headers:
            X-Request-ID:
              description: AMLOK response correlation identifier.
              schema:
                type: string
              example: req_example
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    $ref: '#/components/schemas/Application'
                  meta:
                    $ref: '#/components/schemas/ResponseMeta'
                required:
                  - data
                  - meta
              examples:
                synthetic:
                  summary: Synthetic create application
                  value:
                    data:
                      id: app_example
                      object: application
                      subject_id: biz_example
                      created_at: '2026-10-23T14:00:00Z'
                      updated_at: '2026-10-23T14:00:00Z'
                      record_version: 1
                      source_refs: []
                      data_status: partial
                      missing_fields: []
                      schema_version: 1.4.2
                      client_reference: app-1029
                      applicant_entity_id: biz_example
                      product_type: term_loan
                      status: in_review
                      requested_amount:
                        amount: '100000.00'
                        currency: CAD
                      requested_term_months: 36
                      purpose: Equipment purchase
                      submitted_at: null
                      decision_id: dec_example
                      loan_id: null
                      guarantor_entity_ids: []
                      collateral_ids: []
                      document_ids: []
                      channel: direct
                      institution_reference: APP-1001
                    meta:
                      request_id: req_example
                      schema_version: 1.4.2
                      generated_at: '2026-10-23T14:00:00Z'
                      data_status: partial
        '400':
          $ref: '#/components/responses/Error400'
        '401':
          $ref: '#/components/responses/Error401'
        '403':
          $ref: '#/components/responses/Error403'
        '404':
          $ref: '#/components/responses/Error404'
        '409':
          $ref: '#/components/responses/Error409'
        '410':
          $ref: '#/components/responses/Error410'
        '422':
          $ref: '#/components/responses/Error422'
        '429':
          $ref: '#/components/responses/Error429'
        '500':
          $ref: '#/components/responses/Error500'
        '502':
          $ref: '#/components/responses/Error502'
        '503':
          $ref: '#/components/responses/Error503'
      security:
        - BearerAuth: []
      x-codeSamples:
        - lang: Shell
          label: cURL
          source: |-
            curl --request POST --fail-with-body --max-time 30 \
              "${AMLOK_API_BASE_URL}/v1/applications" \
              --header "Authorization: Bearer ${AMLOK_API_KEY}" \
              --header "Accept: application/json" \
              --header 'Idempotency-Key: idem_example_1001' \
              --header 'Content-Type: application/json' \
              --data '{
              "applicant_entity_id": "biz_example",
              "product_type": "term_loan",
              "requested_amount": {
                "amount": "100000.00",
                "currency": "CAD"
              },
              "purpose": "Equipment purchase",
              "requested_term_months": 36
            }'
        - lang: Python
          source: |-
            import os
            import requests

            base_url = os.environ["AMLOK_API_BASE_URL"].rstrip("/")
            headers = {'Accept': 'application/json',
             'Idempotency-Key': 'idem_example_1001',
             'Content-Type': 'application/json'}
            headers["Authorization"] = "Bearer " + os.environ["AMLOK_API_KEY"]

            response = requests.request(
                "POST", base_url + "/v1/applications",
                headers=headers, timeout=30, allow_redirects=False,
                json={'applicant_entity_id': 'biz_example',
             'product_type': 'term_loan',
             'requested_amount': {'amount': '100000.00',
                                  'currency': 'CAD'},
             'purpose': 'Equipment purchase',
             'requested_term_months': 36},
            )
            response.raise_for_status()
            print(response.json())
        - lang: JavaScript
          label: Node.js
          source: >-

            const baseUrl = process.env.AMLOK_API_BASE_URL;

            const apiKey = process.env.AMLOK_API_KEY;

            if (!baseUrl || !apiKey) throw new Error("Configure
            AMLOK_API_BASE_URL and AMLOK_API_KEY");

            const headers = {
              "Accept": "application/json",
              "Idempotency-Key": "idem_example_1001",
              "Content-Type": "application/json"
            };

            headers.Authorization = `Bearer ${apiKey}`;

            const response = await fetch(baseUrl.replace(/\/$/, "") +
            "/v1/applications", {
              method: "POST", headers,
              redirect: "error", signal: AbortSignal.timeout(30000),
              body: JSON.stringify({
              "applicant_entity_id": "biz_example",
              "product_type": "term_loan",
              "requested_amount": {
                "amount": "100000.00",
                "currency": "CAD"
              },
              "purpose": "Equipment purchase",
              "requested_term_months": 36
            }),

            });

            if (!response.ok) throw new Error(`AMLOK returned HTTP
            ${response.status}`);

            console.log(await response.json());
components:
  schemas:
    EP146Request:
      type: object
      properties:
        applicant_entity_id:
          type: string
          minLength: 1
          description: Applicant record.
        product_type:
          $ref: '#/components/schemas/Enum_credit_product'
          description: Requested credit product.
        requested_amount:
          allOf:
            - $ref: '#/components/schemas/MoneyInput'
            - properties:
                amount:
                  pattern: ^(?:0\.(?:0[1-9]|[1-9][0-9])|[1-9][0-9]*\.[0-9]{2})$
          description: Requested credit amount and currency.
        purpose:
          type: string
          minLength: 1
          description: Declared use of funds.
        requested_term_months:
          type: integer
          minimum: 1
          description: Requested contractual term in months.
      required:
        - applicant_entity_id
        - product_type
        - requested_amount
      additionalProperties: false
    Application:
      type: object
      properties:
        id:
          type: string
          description: >-
            Stable identifier scoped to the client tenant. Never use a provider
            ID as the public primary key.
          x-field-id: F0001
          x-classification: Confidential
          x-availability: Required when resource exists
        object:
          type: string
          const: application
        subject_id:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Business or person to which this record relates. Null for
            tenant-level configuration and unresolved subjects.
          x-field-id: F0003
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        created_at:
          type: string
          format: date-time
          description: >-
            Time AMLOK first stored this resource. Preserve original evidence;
            do not invent missing values.
          x-field-id: F0004
          x-classification: Confidential
          x-availability: Required when resource exists
        updated_at:
          type: string
          format: date-time
          description: >-
            Time the normalized representation last changed. Preserve original
            evidence; do not invent missing values.
          x-field-id: F0005
          x-classification: Confidential
          x-availability: Required when resource exists
        observed_at:
          anyOf:
            - type: string
              format: date-time
            - type: 'null'
          description: >-
            Time the source was observed by AMLOK. Do not imply this is the
            economic event time.
          x-field-id: F0006
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        effective_at:
          anyOf:
            - type: string
              format: date-time
            - type: 'null'
          description: >-
            Time the source states this version became valid. Preserve original
            evidence; do not invent missing values.
          x-field-id: F0007
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        record_version:
          type: integer
          description: >-
            Monotonically increasing AMLOK version for this resource. Preserve
            original evidence; do not invent missing values.
          x-field-id: F0008
          x-classification: Confidential
          x-availability: Required when resource exists
        deleted_at:
          anyOf:
            - type: string
              format: date-time
            - type: 'null'
          description: >-
            Tombstone timestamp for a source or AMLOK deletion. Null for records
            not deleted; retain only under the configured policy.
          x-field-id: F0009
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        source_refs:
          type: array
          items:
            $ref: '#/components/schemas/SourceRef'
          description: >-
            Evidence references contributing to this record. A known empty array
            is valid for a newly client-created record.
          x-field-id: F0010
          x-classification: Confidential
          x-availability: Required when resource exists
        field_provenance:
          anyOf:
            - type: array
              items:
                $ref: '#/components/schemas/FieldProvenance'
            - type: 'null'
          description: >-
            Field-level source, extraction, transformation and quality details.
            Preserve original evidence; do not invent missing values.
          x-field-id: F0011
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        data_status:
          $ref: '#/components/schemas/Enum_data_status'
          description: >-
            Whether the requested resource is complete for its stated scope.
            Completeness is relative to declared fields, sources and time
            interval.
          x-field-id: F0012
          x-classification: Confidential
          x-availability: Required when resource exists
        missing_fields:
          type: array
          items:
            $ref: '#/components/schemas/MissingField'
          description: >-
            Unavailable field paths and their explicit reasons. Preserve
            original evidence; do not invent missing values.
          x-field-id: F0013
          x-classification: Confidential
          x-availability: Required when resource exists
        schema_version:
          type: string
          description: >-
            Contract version used to serialize this record. Preserve original
            evidence; do not invent missing values.
          x-field-id: F0014
          x-classification: Confidential
          x-availability: Required when resource exists
        client_reference:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Optional caller-owned correlation identifier. Scoped to tenant;
            uniqueness only when explicitly contracted.
          x-field-id: F0015
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        extensions:
          anyOf:
            - type: object
              additionalProperties: true
            - type: 'null'
          description: >-
            Namespaced extra provider fields without changing the core schema.
            Access-controlled and documented per provider; no provider tokens.
          x-field-id: F0016
          x-classification: Restricted
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        applicant_entity_id:
          type: string
          description: >-
            Business or person applying for credit. Preserve original evidence;
            do not invent missing values.
          x-field-id: F0656
          x-classification: Confidential
          x-availability: Required when resource exists
        product_type:
          $ref: '#/components/schemas/Enum_credit_product'
          description: >-
            Requested financial product. Preserve original evidence; do not
            invent missing values.
          x-field-id: F0657
          x-classification: Confidential
          x-availability: Required when resource exists
        status:
          $ref: '#/components/schemas/Enum_application_status'
          description: >-
            Application state. Preserve original evidence; do not invent missing
            values.
          x-field-id: F0658
          x-classification: Confidential
          x-availability: Required when resource exists
        requested_amount:
          type: object
          properties:
            amount:
              anyOf:
                - type: string
                  pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$
                  description: >-
                    Exact decimal string in major units. Do not use binary
                    floating-point arithmetic.
                - type: 'null'
              description: >-
                Requested principal or limit. Amount in major currency units.
                Pair with currency; preserve precision; zero differs from
                unavailable.
              x-field-id: F0659
              x-classification: Confidential
              x-availability: >-
                Source, module, country, consent and contracted permissions
                determine population.
            currency:
              anyOf:
                - type: string
                - type: 'null'
              description: >-
                Currency for requested amount. Uppercase ISO 4217 code when
                known; null for unsupported/unidentified currency, retain source
                code.
              x-field-id: F0660
              x-classification: Confidential
              x-availability: >-
                Source, module, country, consent and contracted permissions
                determine population.
        requested_term_months:
          anyOf:
            - type: integer
            - type: 'null'
          description: >-
            Requested contractual term in months. Preserve original evidence; do
            not invent missing values.
          x-field-id: F0661
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        purpose:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Declared use of funds. Preserve original evidence; do not invent
            missing values.
          x-field-id: F0662
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        submitted_at:
          anyOf:
            - type: string
              format: date-time
            - type: 'null'
          description: >-
            Application submission time. Preserve original evidence; do not
            invent missing values.
          x-field-id: F0663
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        decision_id:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Current decision artifact. Preserve original evidence; do not invent
            missing values.
          x-field-id: F0664
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        loan_id:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Resulting funded loan when one exists. Preserve original evidence;
            do not invent missing values.
          x-field-id: F0665
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        guarantor_entity_ids:
          anyOf:
            - type: array
              items:
                type: string
            - type: 'null'
          description: >-
            Proposed guarantors. Preserve original evidence; do not invent
            missing values.
          x-field-id: F0666
          x-classification: Restricted
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        collateral_ids:
          anyOf:
            - type: array
              items:
                type: string
            - type: 'null'
          description: >-
            Offered collateral. Preserve original evidence; do not invent
            missing values.
          x-field-id: F0667
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        document_ids:
          anyOf:
            - type: array
              items:
                type: string
            - type: 'null'
          description: >-
            Submitted application evidence. Preserve original evidence; do not
            invent missing values.
          x-field-id: F0668
          x-classification: Restricted
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        channel:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Broker, direct, embedded or other source channel. Preserve original
            evidence; do not invent missing values.
          x-field-id: F0669
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
        institution_reference:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Lender's application reference. Preserve original evidence; do not
            invent missing values.
          x-field-id: F0670
          x-classification: Confidential
          x-availability: >-
            Source, module, country, consent and contracted permissions
            determine population.
      required:
        - id
        - object
        - created_at
        - updated_at
        - record_version
        - source_refs
        - data_status
        - missing_fields
        - schema_version
        - applicant_entity_id
        - product_type
        - status
      title: application
      description: >-
        Credit request and its lifecycle. Population depends on source and
        tenant entitlement.
    ResponseMeta:
      type: object
      properties:
        request_id:
          type: string
          description: AMLOK request correlation ID.
        schema_version:
          type: string
          description: Serialization contract version.
        generated_at:
          type: string
          format: date-time
          description: Response generation time, not source data freshness.
        data_status:
          $ref: '#/components/schemas/Enum_data_status'
          description: Completeness of this response within its declared scope.
        coverage:
          anyOf:
            - $ref: '#/components/schemas/Coverage'
            - type: 'null'
          description: Requested and achieved source/time coverage.
      required:
        - request_id
        - schema_version
        - generated_at
        - data_status
    Enum_credit_product:
      type: string
      enum:
        - term_loan
        - line_of_credit
        - revolving
        - invoice_finance
        - merchant_finance
        - equipment_finance
        - auto
        - mortgage
        - consumer_installment
        - bnpl
        - other
    MoneyInput:
      type: object
      properties:
        amount:
          type: string
          pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$
          description: >-
            Exact decimal string in major units. Do not use binary
            floating-point arithmetic.
        currency:
          type: string
          pattern: ^[A-Z]{3}$
      required:
        - amount
        - currency
      additionalProperties: false
    SourceRef:
      type: object
      properties:
        provider_id:
          type: string
          description: >-
            Inventory or supplemental provider identifier; AMLOK or CLIENT for
            internal evidence.
        connection_id:
          anyOf:
            - type: string
            - type: 'null'
          description: Authorized provider connection.
        source_record_id:
          anyOf:
            - type: string
            - type: 'null'
          description: >-
            Upstream record identifier scoped by provider, connection and record
            type.
        source_record_type:
          anyOf:
            - type: string
            - type: 'null'
          description: Provider object or report type.
        source_updated_at:
          anyOf:
            - type: string
              format: date-time
            - type: 'null'
          description: Source update time; do not replace with retrieval time.
        retrieved_at:
          type: string
          format: date-time
          description: Time AMLOK retrieved this evidence.
        document_id:
          anyOf:
            - type: string
            - type: 'null'
          description: Evidence document when applicable.
        source_api_version:
          anyOf:
            - type: string
            - type: 'null'
          description: Version of provider API/schema used.
      required:
        - provider_id
        - retrieved_at
    FieldProvenance:
      type: object
      properties:
        field_path:
          type: string
          description: Relative path in the normalized resource.
        source_ref_index:
          type: integer
          description: Zero-based index into source_refs.
        source_field_path:
          anyOf:
            - type: string
            - type: 'null'
          description: Actual field path or document locator.
        transformation_id:
          anyOf:
            - type: string
            - type: 'null'
          description: Versioned conversion/mapping rule.
        evidence_level:
          $ref: '#/components/schemas/Enum_evidence_level'
          description: Provenance class for the resulting value.
        confidence:
          anyOf:
            - type: string
              pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$
              description: >-
                Exact decimal string in major units. Do not use binary
                floating-point arithmetic.
            - type: 'null'
          description: Calibrated extraction or matching confidence, if available.
        source_timezone:
          anyOf:
            - type: string
            - type: 'null'
          description: Original timezone where needed to interpret local time.
      required:
        - field_path
        - source_ref_index
        - evidence_level
    Enum_data_status:
      type: string
      enum:
        - complete
        - partial
        - unavailable
        - pending
    MissingField:
      type: object
      properties:
        field_path:
          type: string
          description: Unavailable relative field path.
        reason:
          $ref: '#/components/schemas/Enum_null_reason'
          description: Specific reason the field has no value.
        detail:
          anyOf:
            - type: string
            - type: 'null'
          description: Sanitized explanation useful to the caller.
      required:
        - field_path
        - reason
    Enum_application_status:
      type: string
      enum:
        - draft
        - submitted
        - in_review
        - conditional
        - approved
        - declined
        - withdrawn
        - expired
        - unknown
    Coverage:
      type: object
      properties:
        requested_from:
          anyOf:
            - type: string
              format: date
            - type: 'null'
          description: Inclusive start requested.
        requested_to:
          anyOf:
            - type: string
              format: date
            - type: 'null'
          description: Exclusive end requested.
        available_from:
          anyOf:
            - type: string
              format: date
            - type: 'null'
          description: Earliest actual coverage.
        available_to:
          anyOf:
            - type: string
              format: date
            - type: 'null'
          description: Exclusive end of actual coverage.
        source_ids:
          type: array
          items:
            type: string
          description: Sources actually contributing.
        missing_intervals:
          type: array
          items:
            $ref: '#/components/schemas/Interval'
          description: Known gaps within requested scope.
        jurisdictions_completed:
          anyOf:
            - type: array
              items:
                type: string
            - type: 'null'
          description: Completed geographic search scope when applicable.
      required:
        - source_ids
        - missing_intervals
    ErrorEnvelope:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/Error'
        meta:
          $ref: '#/components/schemas/ResponseMeta'
      required:
        - error
        - meta
    Enum_evidence_level:
      type: string
      enum:
        - source_record
        - document_extracted
        - client_asserted
        - derived
        - model_inferred
    Enum_null_reason:
      type: string
      enum:
        - not_provided
        - not_supported
        - not_authorized
        - not_applicable
        - pending
        - redacted
        - source_error
        - invalid
        - insufficient_history
    Interval:
      type: object
      properties:
        from:
          type: string
          format: date
          description: Inclusive interval start.
        to:
          type: string
          format: date
          description: Exclusive interval end.
      required:
        - from
        - to
    Error:
      type: object
      properties:
        code:
          type: string
          description: Stable machine-readable error code.
        message:
          type: string
          description: Safe caller-facing explanation.
        field:
          anyOf:
            - type: string
            - type: 'null'
          description: Invalid request field when relevant.
        retryable:
          type: boolean
          description: Whether retry may succeed without changing the request.
        request_id:
          type: string
          description: Correlation identifier for support.
      required:
        - code
        - message
        - retryable
        - request_id
  responses:
    Error400:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            invalid_request:
              summary: invalid_request
              value:
                error:
                  code: invalid_request
                  message: Malformed input, unknown parameter or incompatible filters.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
            unsupported_parameter:
              summary: unsupported_parameter
              value:
                error:
                  code: unsupported_parameter
                  message: Historical query or filter not implemented on this resource.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
            validation_error:
              summary: validation_error
              value:
                error:
                  code: validation_error
                  message: >-
                    A field, projection, or request value is invalid. Inspect
                    error.field.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error401:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            unauthenticated:
              summary: unauthenticated
              value:
                error:
                  code: unauthenticated
                  message: Missing, expired or invalid credential.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error403:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            forbidden:
              summary: forbidden
              value:
                error:
                  code: forbidden
                  message: Tenant scope or field/product entitlement missing.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error404:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            not_found:
              summary: not_found
              value:
                error:
                  code: not_found
                  message: Record does not exist or is not visible in this tenant.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error409:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            idempotency_conflict:
              summary: idempotency_conflict
              value:
                error:
                  code: idempotency_conflict
                  message: Same key was reused with different intended input.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
            invalid_state:
              summary: invalid_state
              value:
                error:
                  code: invalid_state
                  message: >-
                    The operation is unavailable in the current resource or
                    account state. Operational commands are unavailable after
                    cancellation is submitted.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error410:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            cursor_expired:
              summary: cursor_expired
              value:
                error:
                  code: cursor_expired
                  message: >-
                    The synchronization cursor has expired. Begin a new
                    synchronization checkpoint and rebuild the collection
                    snapshot.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error422:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            invalid_search_scope:
              summary: invalid_search_scope
              value:
                error:
                  code: invalid_search_scope
                  message: Missing or unsupported jurisdiction/search mode.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
            invalid_money:
              summary: invalid_money
              value:
                error:
                  code: invalid_money
                  message: >-
                    Invalid decimal, missing required currency or incompatible
                    currency pair.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
            insufficient_evidence:
              summary: insufficient_evidence
              value:
                error:
                  code: insufficient_evidence
                  message: Required decision or metric prerequisites are missing.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
            workload_limit_exceeded:
              summary: workload_limit_exceeded
              value:
                error:
                  code: workload_limit_exceeded
                  message: >-
                    The agreed workload limit cannot cover this work. No
                    automatic tier upgrade or surcharge occurs. Contact AMLOK to
                    agree expanded scope.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error429:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
        Retry-After:
          description: >-
            Delay in seconds or an HTTP-date. The example is illustrative, not a
            contractual quota.
          schema:
            type: string
          example: '30'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            rate_limited:
              summary: rate_limited
              value:
                error:
                  code: rate_limited
                  message: AMLOK tenant quota or upstream throttle.
                  retryable: true
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error500:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            internal_error:
              summary: internal_error
              value:
                error:
                  code: internal_error
                  message: Unexpected AMLOK processing error.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error502:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            source_error:
              summary: source_error
              value:
                error:
                  code: source_error
                  message: Upstream returned invalid or failed data.
                  retryable: false
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
    Error503:
      description: Request failed. Inspect error.code and error.retryable.
      headers:
        X-Request-ID:
          description: AMLOK response correlation identifier.
          schema:
            type: string
          example: req_example
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorEnvelope'
          examples:
            source_unavailable:
              summary: source_unavailable
              value:
                error:
                  code: source_unavailable
                  message: Required source temporarily unavailable.
                  retryable: true
                  request_id: req_example
                meta:
                  request_id: req_example
                  schema_version: 1.4.2
                  generated_at: '2026-10-23T14:00:00Z'
                  data_status: complete
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: API key
      description: >-
        Server-to-server API key bound to exactly one workspace, institution
        tenant and environment. No caller-supplied workspace override is
        accepted. Do not use in public browser code.

````

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