{
  "id": "user_account_xyz123",
  "status": "active",
  "status_reason": "client_closed",
  "features": [
    "deposit"
  ],
  "entities": {
    "account_holder_type": "consumer"
  },
  "details": {
    "underwriting": {
      "is_secured": true,
      "is_mla": true,
      "underwriting_grade": "<string>",
      "currency_code": "USD",
      "available_credit": 123,
      "limit": 123,
      "max_limit": 123,
      "scra": {
        "start_date": "2023-12-25",
        "end_date": "2023-12-25"
      },
      "report": {
        "pulled_at": "2023-11-07T05:31:56Z",
        "source": "equifax",
        "score": 575,
        "non_score_value": "unestablished"
      }
    },
    "adverse_action_notice": {
      "delivered_at": "2023-11-07T05:31:56Z",
      "reason": "<string>",
      "delivery_method": "email"
    }
  },
  "product_name": "<string>",
  "documents": [
    {
      "file_id": "file_7RwQ2mK9pL4xT1vN8jS5",
      "timestamp": "2026-09-14T14:20:11Z",
      "version": "v2"
    }
  ],
  "metadata": {},
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z",
  "application_id": "application_xyz123",
  "legacy_documents": [
    {
      "document_id": "loan_agreement_01_2026.pdf",
      "type": "aan",
      "displayed_at": "2023-11-07T05:31:56Z",
      "consented_at": "2023-11-07T05:31:56Z",
      "version": "v1"
    }
  ],
  "client_account_id": "<string>",
  "balance_sheet_model": "held_for_investment",
  "product_config_id": "product_config_xyz123",
  "closed_at": "2023-11-07T05:31:56Z"
}

{
  "code": "idempotency_key_missing",
  "message": "This endpoint requires an Idempotency-Key header. Add one and resend the request."
}

{
  "code": "token_invalid",
  "message": "The bearer token is missing, expired, malformed, or invalid."
}

{
  "code": "idempotency_key_in_use",
  "message": "A concurrent request using this Idempotency-Key is still in flight."
}

{
  "code": "content_too_large",
  "message": "The request is over a size limit for this endpoint. Make it smaller and resend it.",
  "errors": [
    {
      "code": "body_too_large",
      "message": "metadata is over this endpoint's size limit.",
      "parameters": [
        "metadata"
      ]
    }
  ]
}

{
  "code": "parameters_invalid",
  "message": "One or more parameters are invalid.",
  "errors": [
    {
      "code": "dependent_parameter_required",
      "message": "balance_sheet_model is required when requested_features includes a credit feature.",
      "parameters": [
        "balance_sheet_model"
      ]
    },
    {
      "code": "parameter_bound_exceeded",
      "message": "details.underwriting.limit (10000000) cannot exceed details.underwriting.max_limit (5000000).",
      "parameters": [
        "details.underwriting.limit"
      ]
    }
  ]
}

{
  "code": "rate_limit_exceeded",
  "message": "You have exceeded the rate limit for this endpoint. Retry with backoff."
}

{
  "code": "internal_server_error",
  "message": "Something went wrong on our end. Contact Lead with the Request-Id if this persists."
}

{
  "code": "service_unavailable",
  "message": "The service is temporarily unavailable. Retry after the indicated delay."
}

{
  "code": "gateway_timeout",
  "message": "An upstream system timed out. Retry with backoff."
}