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stablecoin payments infrastructure","maintainers":[{"email":"luis@dakota.xyz","name":"luis-dakota-npm"},{"email":"daniel@dakota.xyz","name":"danny_dakotaxyz"},{"email":"gabe@dakota.xyz","name":"gabe-dakota"}],"readme":"# Dakota TypeScript SDK\n\n[![License: MIT](https://img.shields.io/badge/License-MIT-yellow.svg)](https://opensource.org/licenses/MIT)\n[![npm version](https://img.shields.io/npm/v/@dakota-xyz/ts-sdk)](https://www.npmjs.com/package/@dakota-xyz/ts-sdk)\n[![TypeScript](https://img.shields.io/badge/TypeScript-5.3-blue.svg)](https://www.typescriptlang.org/)\n\nOfficial TypeScript SDK for the [Dakota Platform](https://dakota.xyz) - infrastructure for stablecoin payments, on/off-ramps, and non-custodial wallets.\n\n## What is Dakota?\n\nDakota provides APIs to:\n\n- **On-ramp**: Accept USD bank transfers and deliver stablecoins (USDC/USDT) to blockchain wallets\n- **Off-ramp**: Convert stablecoins to USD and deposit to bank accounts via ACH/Wire\n- **Swap**: Exchange stablecoins across networks (e.g., USDC on Ethereum → USDT on Polygon)\n- **Wallets**: Create non-custodial multi-sig wallets with policy controls\n\n## Install\n\n```bash\nnpm install @dakota-xyz/ts-sdk\n# or\nyarn add @dakota-xyz/ts-sdk\n# or\npnpm add @dakota-xyz/ts-sdk\n```\n\n## Quick Start\n\n```typescript\nimport { DakotaClient, Environment } from '@dakota-xyz/ts-sdk';\n\nconst client = new DakotaClient({\n  apiKey: 'your_api_key',\n  // Sandbox by default. For production:\n  // environment: Environment.Production,\n});\n\n// List your customers\nfor await (const customer of client.customers.list()) {\n  console.log(`Customer: ${customer.name} (KYB: ${customer.kyb_status})`);\n}\n```\n\n## Complete Flow: Off-Ramp (Crypto → USD)\n\nThis example shows a complete off-ramp flow where a customer sends USDC and receives USD in their bank account.\n\n```typescript\nimport { DakotaClient } from '@dakota-xyz/ts-sdk';\n\nconst client = new DakotaClient({ apiKey: 'your_api_key' });\n\n// Step 1: Create a customer (triggers KYB onboarding)\nconst customerResp = await client.customers.create({\n  name: 'Acme Corporation',\n  customer_type: 'business',\n  external_id: 'acme-123', // Your internal ID\n});\n\nconst customerId = customerResp.id;\nconsole.log(`Created customer: ${customerId}`);\nconsole.log(`KYB onboarding URL: ${customerResp.application_url}`);\n\n// Customer completes KYB at the onboarding URL...\n// You'll receive webhooks as status changes.\n// Wait until kyb_status becomes \"active\" before proceeding.\n\n// Step 2: Create a recipient (the entity receiving USD)\nconst recipient = await client.recipients.create(customerId, {\n  name: 'Acme Treasury',\n});\n\nconst recipientId = recipient.id;\nconsole.log(`Created recipient: ${recipientId}`);\n\n// Step 3: Create a bank destination (where USD will be sent)\nconst bankDest = await client.destinations.create(recipientId, {\n  destination_type: 'fiat_us',\n  name: 'Primary Bank Account',\n  bank_name: 'Chase Bank',\n  account_holder_name: 'Acme Corporation',\n  account_number: '123456789',\n  aba_routing_number: '021000021',\n  account_type: 'checking',\n});\n\nconsole.log(`Created bank destination: ${bankDest.id}`);\n\n// Step 4: Create an off-ramp account\n// Dakota returns a crypto address where customer sends USDC\nconst account = await client.accounts.create({\n  account_type: 'offramp',\n  customer_id: customerId,\n  fiat_destination_id: bankDest.id,\n  asset: 'USDC',\n  network_id: 'ethereum-mainnet',\n  rail: 'ach',\n  capabilities: ['ach'],\n});\n\nconsole.log('Off-ramp account created!');\nconsole.log(`Send USDC to: ${account.crypto_address}`);\n\n// When customer sends USDC to this address:\n// 1. Dakota detects the deposit\n// 2. Converts USDC to USD\n// 3. Initiates ACH transfer to the bank account\n// 4. You receive webhook notifications at each step\n```\n\n## Complete Flow: On-Ramp (USD → Crypto)\n\nAccept USD bank transfers and deliver stablecoins to customer wallets.\n\n```typescript\n// Step 1: Create customer (same as off-ramp)\n// Step 2: Create recipient\n\n// Step 3: Create a crypto destination (where stablecoins will be sent)\nconst cryptoDest = await client.destinations.create(recipientId, {\n  destination_type: 'crypto',\n  name: 'Crypto Wallet',\n  address: '0x742d35Cc6634C0532925a3b844Bc9e7595f...',\n  network_id: 'ethereum-mainnet',\n});\n\n// Step 4: Create an on-ramp account\n// Dakota returns bank details where customer sends USD\nconst onramp = await client.accounts.create({\n  account_type: 'onramp',\n  customer_id: customerId,\n  crypto_destination_id: cryptoDest.id,\n  asset: 'USDC',\n  network_id: 'ethereum-mainnet',\n  rail: 'ach',\n  capabilities: ['ach'],\n});\n\nconsole.log('Send USD to:');\nconsole.log(`  Bank: ${onramp.bank_account.bank_name}`);\nconsole.log(`  Routing: ${onramp.bank_account.aba_routing_number}`);\nconsole.log(`  Account: ${onramp.bank_account.account_number}`);\n\n// When customer sends USD:\n// 1. Dakota receives the bank transfer\n// 2. Converts USD to USDC\n// 3. Sends USDC to the customer's wallet address\n```\n\n## One-Off Transactions\n\nFor single transactions without creating accounts:\n\n```typescript\nconst tx = await client.transactions.create({\n  customer_id: customerId,\n  amount: '1000.00',\n  source_asset: 'USDC',\n  source_network_id: 'ethereum-mainnet',\n  destination_id: destinationId,\n  destination_asset: 'USD',\n  destination_payment_rail: 'ach',\n  payment_reference: 'Invoice #12345',\n});\n\nconsole.log(`Transaction created: ${tx.id}`);\nconsole.log(`Send ${tx.send_amount} USDC to: ${tx.crypto_address}`);\nconsole.log(`Status: ${tx.status}`);\n```\n\n## Agentic Payments (Alpha)\n\n> ⚠️ **Alpha.** The hosted payment-agent surface is `x-alpha` and flag-gated on the platform (endpoints return `404` unless enabled for your key). The SDK helpers below may change — or be removed — without a major-version bump. Not recommended for production.\n\nA **payment agent** is a named, customer-scoped signer Dakota can drive: you provision it, endorse it onto a wallet, then it drafts and — once a **mandate** is signed — fires payments, bounded by that customer-approved mandate.\n\n### 1. Provision an agent and endorse it onto a wallet\n\n```typescript\n// Create a hosted payment agent (Dakota custodies its signing key).\nconst agent = await client.paymentAgents.create({\n  customer_id: customerId,\n  name: 'Bill Pay',\n  hosted: true,\n});\n\n// Grant it spend permission on a wallet by adding its signer to the wallet's\n// spending group (idempotent) — the customer-endorsed attach. Pass an\n// options.idempotencyKey to make the whole helper safely retryable.\nawait client.attachUserToWallet(walletId, agent.signer_public_key!, spendingGroupId);\n```\n\n### 2. Draft payments from natural language\n\n```typescript\nconst conv = client.newAgentConversation(agent.id!);\nconst turn = await conv.send('Pay Alice 100 USDC on base-mainnet every month until December');\n\nif (turn.hasProposals) {\n  // Review turn.proposals, then accept them through the instructions flow.\n  console.log(`agent drafted ${turn.proposals.length} proposal(s)`);\n} else {\n  console.log('agent needs more detail:', turn.reply);\n}\n```\n\n### 3. Sign and approve a mandate (§8)\n\nThe caller holds the keys; the SDK never does. `P256MandateSigner` is a ready in-memory signer for sandbox/tests — implement the `MandateSigner` interface over your HSM/KMS in production.\n\n```typescript\nimport { P256MandateSigner, mandateSignPayload } from '@dakota-xyz/ts-sdk';\n\nconst signer = P256MandateSigner.generate(); // or P256MandateSigner.fromPrivateKey(yourKey)\n\n// `mandate` comes from client.mandates.get / client.mandates.list.\nconst payload = mandateSignPayload(mandate, 'approve');\nconst signature = signer.sign(payload);\n\nawait client.mandates.approve(mandate.id!, {\n  approver_public_key: signer.publicKeyBase64(),\n  signature,\n});\n```\n\n### 4. Account insights (read-only)\n\n```typescript\n// Deterministic report: balances, upcoming payments, mandate headroom, risks.\nconst report = await client.insights.get(customerId);\n```\n\nThe full agentic surface is reachable via `client.paymentAgents`, `client.mandates`, `client.instructions`, `client.scheduledPayments`, and `client.insights`.\n\n## Handling Webhooks\n\nDakota sends webhooks for all status changes. Set up a handler:\n\n```typescript\nimport express from 'express';\nimport { WebhookHandler, WebhookEventType } from '@dakota-xyz/ts-sdk/webhook';\n\nconst app = express();\n\nconst handler = new WebhookHandler({\n  publicKey: 'your_webhook_public_key_hex',\n});\n\n// Handle specific event types\nhandler.on(WebhookEventType.CustomerCreated, async (event) => {\n  console.log('Customer created:', event.id);\n});\n\nhandler.on(WebhookEventType.TransactionUpdated, async (event) => {\n  console.log('Transaction updated:', event.id);\n  // Check transaction status, update your records, notify user, etc.\n});\n\n// Wildcard patterns\nhandler.on('transaction.*', async (event) => {\n  console.log('Transaction event:', event.type);\n});\n\n// Catch-all for other events\nhandler.onDefault(async (event) => {\n  console.log(`Event: ${event.id} (type: ${event.type})`);\n});\n\napp.post(\n  '/webhooks/dakota',\n  express.raw({ type: 'application/json' }),\n  handler.expressMiddleware()\n);\n\napp.listen(8080);\n```\n\n## Pagination\n\nIterate through large collections:\n\n```typescript\n// Async iteration\nfor await (const customer of client.customers.list()) {\n  console.log(`${customer.id}: ${customer.name}`);\n}\n\n// Collect all to array\nconst allCustomers = await client.customers.list().toArray();\n\n// Get first item only\nconst firstCustomer = await client.customers.list().first();\n\n// With filters\nconst activeCustomers = client.customers.list({ kyb_status: 'active' });\n\n// Iterate transactions with filters. The SDK always names the transaction\n// family on the wire, so this is that customer's ONE-OFF transactions — a\n// raw GET /transactions?customer_id=... would infer the auto_account family\n// and return those instead.\nconst completedTxs = client.transactions.list({\n  customer_id: customerId,\n  status: 'completed',\n});\n```\n\n## Error Handling\n\n```typescript\nimport { DakotaClient, APIError, TransportError } from '@dakota-xyz/ts-sdk';\n\ntry {\n  const customer = await client.customers.get('invalid_id');\n} catch (error) {\n  if (error instanceof APIError) {\n    console.log(`API Error: ${error.message} (HTTP ${error.statusCode})`);\n    console.log(`Error Code: ${error.code}`);\n    console.log(`Request ID: ${error.requestId}`); // Include in support tickets\n\n    if (error.retryable) {\n      // Safe to retry (429, 503, etc.)\n    }\n\n    // Showing the error to a PERSON? `message` names request fields and\n    // actions so a machine caller can self-correct. `userMessage` says the\n    // same thing without API vocabulary, when the problem carries one.\n    showToCustomer(error.userMessage ?? error.message);\n\n    // Some problems carry a link that CLEARS them — today `terms-not-accepted`\n    // points at the hosted flow where the agreement can be signed. It is\n    // token-gated and usable as-is.\n    if (error.resolutionUrl) {\n      offerLink(error.resolutionUrl);\n    }\n  }\n\n  if (error instanceof TransportError) {\n    console.log(`Network Error: ${error.message}`);\n    console.log(`Cause: ${error.cause}`);\n  }\n}\n```\n\n## Environments\n\nThe SDK supports two main environments. **Sandbox is the default** for safe testing.\n\n| Environment | URL | Use Case |\n|-------------|-----|----------|\n| **Sandbox** (default) | `https://api.platform.sandbox.dakota.xyz` | Testing & development |\n| **Production** | `https://api.platform.dakota.xyz` | Live transactions with real money |\n\n```typescript\n// Sandbox (default) - safe for testing, no real money moves\nconst client = new DakotaClient({\n  apiKey: 'your_sandbox_api_key',\n});\n\n// Production - real money, real transactions\nconst client = new DakotaClient({\n  apiKey: 'your_production_api_key',\n  environment: Environment.Production,\n});\n```\n\n> **Note**: Sandbox and Production use different API keys. Make sure you're using the correct key for each environment.\n\n## Configuration Options\n\n```typescript\nimport { DakotaClient, Environment, AuthMode } from '@dakota-xyz/ts-sdk';\n\nconst client = new DakotaClient({\n  // Required: Authentication (at least one)\n  apiKey: 'your_api_key',\n  applicationToken: 'your_app_token', // For /applications endpoints\n\n  // Environment (default: Sandbox)\n  environment: Environment.Production,\n\n  // Or override with custom URL\n  baseURL: 'https://custom.api.url',\n\n  // Auth mode (default: Auto)\n  authMode: AuthMode.Auto, // Auto, APIKey, or ApplicationToken\n\n  // Custom timeout (default: 15000ms).\n  // Setting this applies it to EVERY request, including the model-backed\n  // agentic endpoints that otherwise get 180000ms — see \"Timeouts\" below.\n  timeout: 30000,\n\n  // Custom retry policy\n  retryPolicy: {\n    maxAttempts: 5,\n    initialBackoffMs: 100,\n    maxBackoffMs: 5000,\n  },\n\n  // Automatic idempotency keys for POST (default: true)\n  automaticIdempotency: true,\n\n  // Custom idempotency key generator\n  idempotencyKeyGenerator: () => crypto.randomUUID(),\n\n  // Structured logging\n  logger: console, // or custom logger\n});\n```\n\n## Timeouts\n\nRequests default to **15s**, which suits ordinary reads and writes. The\nagentic endpoints that call a model default to **180s** instead:\n\n| Endpoint | Default |\n|---|---|\n| Everything else | 15s |\n| `paymentAgents.createProposals` / `AgentConversation.send` | 180s |\n\nA drafting turn is a sequence of model calls — read the payees, check\nbalances, draft, revise — so \"pay these nine vendors every Friday\"\nlegitimately runs minutes while \"what can you do?\" returns at once. Under a\n15s deadline the simple turns pass and the complex ones abort client-side,\nwhich looks like flakiness rather than a deadline.\n\nOverride it at whichever level fits, most specific first:\n\n```typescript\n// Per request — one slow call, everything else untouched. Available on\n// every method that takes request options (the mutating ones).\nawait client.paymentAgents.createProposals(agentId, { prompt }, { timeout: 240_000 });\n\n// Per conversation — every turn of this chat\nconst conv = client.newAgentConversation(agentId, { timeout: 240_000 });\n\n// Client-wide — applies to EVERYTHING, agentic endpoints included\nconst client = new DakotaClient({ apiKey, timeout: 30_000 });\n```\n\nPrecedence is: per-request `timeout` → explicit client `timeout` → endpoint\ndefault → 15s. Note the third row: **an explicit client-wide `timeout` wins\nover the long agentic default**, because a deadline you configured is a\nchoice the SDK should not overrule. If you set a short global timeout and\nalso use agent conversations, raise it per conversation.\n\nTwo more things worth knowing:\n\n- The deadline is **per attempt**, not per call. A timing-out request is\n  retried per `retryPolicy`, so budget roughly `timeout × maxAttempts`.\n- A timeout raises `TransportError` naming the elapsed deadline and how to\n  change it. It is a client-side abort, not a server error — the server may\n  well still be completing the work.\n- Per-request `timeout` rides on `RequestOptions`, so it is available on the\n  methods that accept them. Plain `get` / `list` reads do not take options\n  yet; use the client-wide setting for those.\n\n## Idempotency Keys\n\nDakota requires idempotency keys (**must be valid UUIDs**) for all `POST`, `PUT`, and `PATCH` requests to ensure safe retries. By default, the SDK auto-generates UUID keys for you, but you can provide your own for deterministic API calls:\n\n```typescript\nimport { v4 as uuid, v5 as uuidv5 } from 'uuid';\n\n// Auto-generated idempotency key (default behavior)\nconst customer = await client.customers.create({\n  name: 'Acme Corp',\n  customer_type: 'business',\n});\n\n// Custom UUID idempotency key\nconst customer = await client.customers.create(\n  { name: 'Acme Corp', customer_type: 'business' },\n  { idempotencyKey: uuid() }\n);\n\n// Deterministic UUID from business key (recommended for replay safety)\nconst NAMESPACE = '6ba7b810-9dad-11d1-80b4-00c04fd430c8'; // Your app's namespace\nconst invoiceId = 'INV-12345';\nconst txKey = uuidv5(`invoice-${invoiceId}-payment`, NAMESPACE); // Always same UUID for same invoice\n\nconst tx = await client.transactions.create(\n  {\n    customer_id: customerId,\n    amount: '1000.00',\n    source_asset: 'USDC',\n    source_network_id: 'ethereum-mainnet',\n    destination_id: destinationId,\n    destination_asset: 'USD',\n    destination_payment_rail: 'ach',\n  },\n  { idempotencyKey: txKey }\n);\n\n// Retrying with the same key returns the original response\nconst txRetry = await client.transactions.create(\n  { /* same data */ },\n  { idempotencyKey: txKey } // Returns cached response, no duplicate created\n);\n```\n\n### When to Use Custom Idempotency Keys\n\n- **Retry safety**: Use deterministic UUIDs derived from business keys (e.g., `uuidv5('invoice-123', NAMESPACE)`)\n- **Distributed systems**: When requests may be retried across different processes\n- **Exactly-once semantics**: When you need to guarantee no duplicate side effects\n\n> **Note**: Idempotency keys must be valid UUIDs. Use `uuid` v5 to generate deterministic UUIDs from your business identifiers.\n\n### Disable Auto-Generated Keys\n\n```typescript\nconst client = new DakotaClient({\n  apiKey: 'your_api_key',\n  automaticIdempotency: false, // You must provide keys manually\n});\n```\n\n## Supported Networks\n\n| Network | Production | Sandbox |\n|---------|------------|---------|\n| Ethereum | `ethereum-mainnet` | `ethereum-sepolia` |\n| Polygon | `polygon-mainnet` | `polygon-amoy` |\n| Arbitrum | `arbitrum-mainnet` | `arbitrum-sepolia` |\n| Base | `base-mainnet` | `base-sepolia` |\n| Optimism | `optimism-mainnet` | - |\n| Solana | `solana-mainnet` | `solana-devnet` |\n\n---\n\n## API Reference\n\n### Customers\n\nManage customer entities representing businesses and organizations.\n\n| Method | Description |\n|--------|-------------|\n| `customers.create(data)` | Create a customer (triggers KYB) |\n| `customers.list(params?)` | List all customers (paginated) |\n| `customers.listPage(params?)` | One page + `status_counts` for a status header |\n| `customers.get(id)` | Get customer by ID |\n| `customers.delete(id)` | Soft-delete a customer (blocked if it has accounts) |\n| `customers.getCapabilities(id)` | Capabilities + outstanding requirements to unlock each |\n| `customers.reEngage(id)` | Mint a fresh application link for an approved customer |\n| `customers.bulkImportFromSumsubTokens(data)` | Import from Sumsub share tokens (synchronous) |\n| `customers.importPersonaTokens(data)` | Import from Persona Connect share tokens (async job) |\n| `customers.listPersonaImportJobs(params?)` | List Persona import jobs, newest first |\n| `customers.getPersonaImportJob(jobId, params?)` | Job status + per-token results |\n\n`Customer.status` is the single client-facing status — one value collapsing the\nfrozen state, the application decision, and the application lifecycle. Filter on\nit with `status`, which takes a **comma-separated string**, not an array:\n\n```typescript\nconst needsAttention = client.customers.list({ status: 'info_requested,frozen' });\n\n// `list()` iterates rows and drops the envelope, so the per-status counts a\n// dashboard header renders come from `listPage()` instead. They are computed\n// ignoring the `status` selection, so every chip keeps its count while one of\n// them is the active filter.\nconst page = await client.customers.listPage({ limit: 25 });\nconsole.log(page.status_counts?.info_requested ?? 0);\n```\n\n`kyb_statuses`, `kyc_statuses` and `application_statuses` take the same\ncomma-separated form, and `sort_by` / `sort_dir` / `created_at_from` /\n`created_at_to` are also accepted.\n\n### Recipients\n\nManage recipient entities for payouts and transfers.\n\n| Method | Description |\n|--------|-------------|\n| `recipients.create(customerId, data)` | Create a recipient |\n| `recipients.list(customerId, params?)` | List recipients for customer |\n| `recipients.get(id)` | Get recipient by ID |\n| `recipients.update(id, data)` | Update recipient |\n\n### Destinations\n\nManage bank accounts and crypto wallet destinations.\n\n| Method | Description |\n|--------|-------------|\n| `destinations.create(recipientId, data)` | Create destination (bank or crypto) |\n| `destinations.list(recipientId, params?)` | List destinations for recipient |\n\n### Accounts\n\nManage on-ramp, off-ramp, and swap accounts.\n\n| Method | Description |\n|--------|-------------|\n| `accounts.create(data)` | Create account (onramp/offramp/swap) |\n| `accounts.list(params?)` | List accounts |\n| `accounts.get(id)` | Get account by ID |\n| `accounts.update(id, data)` | Update account |\n\n### Transactions\n\nCreate and manage one-off transactions.\n\n| Method | Description |\n|--------|-------------|\n| `transactions.create(data)` | Create one-off transaction |\n| `transactions.list(params?)` | List transactions (see the family table below) |\n| `transactions.get(id)` | Get transaction by ID |\n| `transactions.cancel(id)` | Cancel pending transaction |\n\n`GET /transactions` serves three resource families from one path, and the\nfamily decides the row shape. `list()` names the family on the wire and types\nits rows to match:\n\n| `transaction_type` | Yields | Notes |\n|--------------------|--------|-------|\n| omitted or `'one_off'` | `OneOffTransaction` | The default |\n| `'wallet'` | `WalletTransaction` | Required for the `wallet_id` / `direction` filters |\n| `'auto_account'` | `AutoTransaction` | Requires `customer_id` |\n\nLeft to the server the family is **inferred** from the other filters, and\n`customer_id` on its own infers `auto_account` — so name it, or let the SDK\nname `one_off` for you. If a response reports a family other than the one\nrequested, the iterator throws rather than yielding rows of the wrong shape.\n\n### Auto Transactions\n\nView automated transaction configurations.\n\n| Method | Description |\n|--------|-------------|\n| `autoTransactions.list(params?)` | List auto transactions |\n| `autoTransactions.get(id)` | Get auto transaction by ID |\n\n### Wallets\n\nManage non-custodial multi-sig wallets.\n\n| Method | Description |\n|--------|-------------|\n| `wallets.create(data)` | Create wallet |\n| `wallets.getBalances(id)` | Get wallet balances |\n| `wallets.createTransaction(id, data)` | Create wallet transaction |\n\n### Events\n\nQuery platform events for audit trails.\n\n| Method | Description |\n|--------|-------------|\n| `events.list(params?)` | List events |\n| `events.get(id)` | Get event by ID |\n\n### Applications (KYB)\n\nManage KYB onboarding applications.\n\n| Method | Description |\n|--------|-------------|\n| `applications.list(params?)` | List applications |\n| `applications.get(id)` | Get application by ID |\n| `applications.submit(id, data?)` | Submit for review |\n| `applications.listIndividuals(id, params?)` | List associated individuals |\n| `applications.addIndividual(id, data)` | Add individual |\n| `applications.getIndividual(appId, indId)` | Get individual |\n| `applications.updateIndividual(appId, indId, data)` | Update individual |\n| `applications.deleteIndividual(appId, indId)` | Delete individual |\n| `applications.updateBusinessDetails(id, data)` | Update business details |\n| `applications.getDocumentUploadUrl(id, data)` | Get document upload URL |\n\n### Policies\n\nManage transaction policies and rules.\n\n| Method | Description |\n|--------|-------------|\n| `policies.create(data)` | Create policy |\n| `policies.list(params?)` | List policies |\n| `policies.get(id)` | Get policy by ID |\n| `policies.delete(id)` | Delete policy |\n| `policies.addRule(policyId, data)` | Add rule to policy |\n| `policies.updateRule(policyId, ruleId, data)` | Update rule |\n| `policies.deleteRule(policyId, ruleId)` | Delete rule |\n| `policies.attachToWallet(policyId, walletId)` | Attach to wallet |\n| `policies.detachFromWallet(policyId, walletId)` | Detach from wallet |\n\n### Signer Groups\n\nManage multi-party authorization.\n\n| Method | Description |\n|--------|-------------|\n| `signerGroups.create(data)` | Create signer group |\n| `signerGroups.list(params?)` | List signer groups |\n| `signerGroups.get(id, params?)` | Get signer group by ID (`{ include_removed: true }` adds `removed_members`) |\n| `signerGroups.addSigner(groupId, data)` | Add signer to group |\n| `signerGroups.removeSigner(groupId, signerId)` | Remove signer (by KSUID `signer_id`, not public key) |\n| `signerGroups.attachToWallet(walletId, groupId)` | Attach to wallet |\n| `signerGroups.detachFromWallet(walletId, groupId)` | Detach from wallet |\n\n### Signers\n\nManage individual signers.\n\n| Method | Description |\n|--------|-------------|\n| `signers.list(params?)` | List all signers |\n| `signers.getByPublicKey(publicKey)` | Get signer by public key |\n| `signers.delete(publicKey)` | Delete signer by public key |\n\n### API Keys\n\nManage API key credentials.\n\n| Method | Description |\n|--------|-------------|\n| `apiKeys.create(data)` | Create API key (secret shown once) |\n| `apiKeys.list(params?)` | List API keys |\n| `apiKeys.delete(id)` | Delete API key |\n\n### Users\n\nManage platform users.\n\n| Method | Description |\n|--------|-------------|\n| `users.create(data)` | Create user |\n| `users.list(params?)` | List users |\n| `users.get(id)` | Get user by ID |\n| `users.update(id, data)` | Update user |\n| `users.delete(id)` | Delete user |\n\n### Webhooks\n\nManage webhook targets and events.\n\n| Method | Description |\n|--------|-------------|\n| `webhooks.createTarget(data)` | Create webhook target |\n| `webhooks.listTargets(params?)` | List webhook targets |\n| `webhooks.getTarget(id)` | Get webhook target by ID |\n| `webhooks.updateTarget(id, data)` | Update webhook target |\n| `webhooks.deleteTarget(id)` | Delete webhook target |\n| `webhooks.listEvents(params?)` | List webhook events |\n| `webhooks.getEvent(id)` | Get webhook event by ID |\n| `webhooks.replayEvent(id)` | Replay webhook event |\n\n### Info\n\nQuery platform capabilities.\n\n| Method | Description |\n|--------|-------------|\n| `info.getCountries()` | Get supported countries |\n| `info.getNetworks()` | Get supported networks |\n\n### Legal Documents\n\nThe published terms a customer accepts during onboarding. **Unauthenticated** —\nintegrators need these before a customer relationship exists, so both calls are\nsafe from a signup page.\n\n| Method | Description |\n|--------|-------------|\n| `legal.list()` | The in-force revision of every document, WITHOUT the text |\n| `legal.get(key, version?)` | One document's text — the in-force revision, or a specific one |\n\n```typescript\nconst tos = await client.legal.get('dakota_tos');\nrender(tos.content);\n\n// Record what the customer actually saw, not whichever revision was current\n// when the request landed.\nawait client.applications.submitAttestation(applicationId, {\n  attestation_type: 'terms_of_service',\n  legal_document_version: tos.version,\n  // ...\n});\n```\n\nA revision is immutable, so a fetched `(key, version)` can be cached forever.\n`legal.list()` is not: it names whichever revision is in force *now*.\n\nTo render an acceptance page, `applications.getLegalAcceptance(applicationId)`\nreturns just what that page needs — the agreements still owed and the people\npermitted to accept them — instead of the full KYB record `applications.get()`\nwould return. The link that reaches it is emailed, so its token is scoped to\nthis call and the attestation submission.\n\n### RD Marketing Fee\n\nReserve-management statements for the calling client. The client comes from the\nsession, so there is no id to pass.\n\n| Method | Description |\n|--------|-------------|\n| `rdMarketingFee.listMonths()` | The months with a statement, newest first |\n| `rdMarketingFee.getStatement(month)` | One month, one row per calendar day |\n\n```typescript\nconst months = await client.rdMarketingFee.listMonths();\nconst statement = await client.rdMarketingFee.getStatement(months[0]);\n\nfor (const day of statement.daily) {\n  // Absent is not zero: absent means the day is not derived yet, '0' means\n  // the client genuinely held no RD. Do not render them alike.\n  console.log(day.date, day.balance_minor ?? 'not yet derived');\n}\n```\n\nA client with no contract gets a **404**; an empty month list means the\ncontract is real but starts later. The running month is included, with its fee\nfigures absent rather than zero.\n\n### Sandbox\n\nTest simulations (sandbox environment only).\n\n| Method | Description |\n|--------|-------------|\n| `sandbox.simulateInbound(data)` | Simulate inbound deposit |\n| `sandbox.simulateOnboarding(data)` | Simulate KYB completion |\n| `sandbox.getSimulation(id)` | Get simulation by ID |\n| `sandbox.advanceSimulation(id)` | Advance simulation state |\n| `sandbox.listScenarios(params?)` | List available scenarios |\n\n### Fee Payout Destination\n\nWhere Dakota pays your accrued developer fees. Exactly one per organization,\nand crypto-only — a USDC wallet on any supported chain.\n\n| Method | Description |\n|--------|-------------|\n| `feePayoutDestination.get()` | Get the registered destination |\n| `feePayoutDestination.set(data)` | Register or replace it (emits `fee_payout_destination.updated`) |\n| `feePayoutDestination.delete()` | Remove it (emits `fee_payout_destination.deleted`) |\n\n```typescript\nawait client.feePayoutDestination.set({\n  usdc_wallet: {\n    chain: 'eip155:8453', // CAIP-2 chain id — see client.info.getNetworks()\n    address: '0x1234567890123456789012345678901234567890',\n  },\n});\n```\n\n### Payment Agents (Alpha)\n\nHosted signing agents that draft payments (`x-alpha`, flag-gated).\n\n| Method | Description |\n|--------|-------------|\n| `paymentAgents.create(data)` | Create a payment agent (hosted or key-supplied) |\n| `paymentAgents.get(id)` | Get payment agent by ID |\n| `paymentAgents.revoke(id)` | Revoke the agent's key (kill switch) |\n| `paymentAgents.createProposals(id, data)` | One-shot proposals turn (see `newAgentConversation`) |\n| `paymentAgents.getProposalsProgress(id)` | Live progress of an in-flight drafting turn (advisory) |\n\n### Agentic Policy (Alpha)\n\nHow your product speaks, and what the agent may propose for it. Register it\nonce and every drafting turn narrates in your nouns instead of the platform's.\n\n| Method | Description |\n|--------|-------------|\n| `agenticPolicy.get()` | Read your registered policy (404 = none, which is the default) |\n| `agenticPolicy.set(policy)` | Register or fully replace it (`{}` clears it) |\n\n```typescript\nawait client.agenticPolicy.set({\n  payee_model: 'flat',\n  payout_assets: ['USDC', 'USDT'],\n  labels: { limit: 'spending limit', payee: 'recipient', limit_unit: 'USD' },\n  payout_route: 'conversion_account_only',\n});\n```\n\nIt is a **full replace, not a merge** — an omitted field means you no longer\nwant it.\n\nYour developer fee is separate, and belongs in **both** places:\n\n```typescript\n// The drafting turn — this is what lets the agent MENTION the fee.\nconst conv = client.newAgentConversation(agentId, {\n  developerFee: { swap_bps: 50, offramp_bps: 25 },\n});\n\n// The accept — this is what CHARGES it.\nawait client.instructions.create({\n  payment_agent_id: agentId,\n  proposals: turn.proposals,\n  developer_fee: { swap_bps: 50, offramp_bps: 25 },\n});\n```\n\nDeclare it only on the accept and the customer approves a summary that never\ndisclosed a fee, then gets charged it.\n\nRegistering is the **only** way to set a policy. It belongs to the client, not\nto a request, so a drafting turn and the accept that follows it cannot be\njudged by different rules. The per-conversation `clientPolicy` option is gone:\nthe platform stopped reading `client_policy` from request bodies, and\none sent there is ignored — the agent quietly goes back to saying \"destination\"\nand \"mandate\" with nothing reporting the fallback.\n\n### Mandates (Alpha)\n\nThe §8 authorizations that arm scheduled payments.\n\n| Method | Description |\n|--------|-------------|\n| `mandates.create(data)` | Draft a mandate from a direct user interaction |\n| `mandates.list(params?)` | List mandates (filter by customer/signer/status) |\n| `mandates.get(id)` | Get mandate by ID (full wire shape for signing) |\n| `mandates.approve(id, data)` | Activate with a customer signature |\n| `mandates.cancel(id, data)` | Cancel a mandate |\n| `mandates.amend(id, data)` | Append a signed NEW version of the rule (keeps window spend) |\n| `mandates.listVersions(id)` | Append-only version history, oldest first |\n| `mandates.getBudget(id)` | Remaining budget: spent, earmarked, left (advisory) |\n\n### Instructions (Alpha)\n\nAccept and inspect actuated proposals.\n\n| Method | Description |\n|--------|-------------|\n| `instructions.create(data)` | Accept proposals — actuate into persisted instructions |\n| `instructions.get(id)` | Get an instruction + its downstream artifacts |\n\n### Scheduled Payments (Alpha)\n\nSchedule rows created from instructions (or directly).\n\n| Method | Description |\n|--------|-------------|\n| `scheduledPayments.create(data)` | Create a schedule directly (signer-first) |\n| `scheduledPayments.list(params?)` | List scheduled payments |\n| `scheduledPayments.get(id)` | Get scheduled payment by ID |\n| `scheduledPayments.cancel(id)` | Cancel an open scheduled payment |\n\n### Insights (Alpha)\n\nRead-only advisory reporting over a customer's agentic activity.\n\n| Method | Description |\n|--------|-------------|\n| `insights.get(customerId)` | Deterministic account insight report |\n\n---\n\n## Webhook Event Types\n\n| Event Type | Description |\n|------------|-------------|\n| `customer.created` | Customer was created |\n| `customer.updated` | Customer was updated |\n| `customer.kyb_status_changed` | KYB status changed |\n| `recipient.created` | Recipient was created |\n| `recipient.updated` | Recipient was updated |\n| `destination.created` | Destination was created |\n| `account.created` | Account was created |\n| `account.updated` | Account was updated |\n| `transaction.created` | Transaction was created |\n| `transaction.updated` | Transaction was updated |\n| `transaction.completed` | Transaction completed |\n| `transaction.failed` | Transaction failed |\n| `transaction.cancelled` | Transaction was cancelled |\n| `wallet.created` | Wallet was created |\n| `application.created` | Application was created |\n| `application.submitted` | Application was submitted |\n| `application.approved` | Application was approved |\n| `application.rejected` | Application was rejected |\n\n---\n\n## Regenerating Types\n\nThe SDK uses types generated from the OpenAPI spec. To regenerate:\n\n```bash\nnpm run generate\n```\n\n## Testing\n\n```bash\nnpm test              # Run all tests\nnpm run test:watch    # Watch mode\nnpm run test:coverage # With coverage\n```\n\n## Building\n\n```bash\nnpm run build    # Build ESM + CJS\nnpm run typecheck # Type check only\n```\n\n## Resources\n\n- [Dakota Documentation](https://docs.dakota.xyz)\n- [API Reference](https://docs.dakota.xyz/api-reference)\n- [Common Flows](https://docs.dakota.xyz/documentation/common-flows)\n\n## Contributing\n\nWe welcome contributions! Please see our [Contributing Guide](CONTRIBUTING.md) for details on:\n\n- Reporting bugs and suggesting features\n- Development setup and workflow\n- Code style and commit conventions\n- Pull request process\n\n## License\n\nThis project is licensed under the [MIT License](LICENSE).\n","readmeFilename":"README.md"}