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Prerequisite: KYC status is approved.

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Flow

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API flows (step-by-step)

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1) Fetch agreements

Endpoint: GET /agreements
Response: agreements[](text + links), accepted, acceptedAt.
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2) Show agreements to the user

Render each agreement’s text, and open the links[].urlin a new tab. The user must accept all agreements.
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3) Submit acceptance

Endpoint: POST /agreements
Body:
If KYC is not approved, these endpoints return 409with invalid_state.

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What this unlocks

After acceptance, the user can create cards, create deposits, and read balances. Those endpoints return 409 until agreements are accepted.