Lithic Developer API — Account Holder

naftiko: 1.0.0-alpha2
info:
  label: Lithic Developer API — Account Holder
  description: 'Lithic Developer API — Account Holder. 11 operations. Lead operation: Get a list of individual or business
    account holders. Self-contained Naftiko capability covering one Lithic business surface.'
  tags:
  - Lithic
  - Account Holder
  created: '2026-05-19'
  modified: '2026-05-19'
binds:
- namespace: env
  keys:
    LITHIC_API_KEY: LITHIC_API_KEY
capability:
  consumes:
  - type: http
    namespace: lithic-account-holder
    baseUri: https://sandbox.lithic.com
    description: Lithic Developer API — Account Holder business capability. Self-contained, no shared references.
    resources:
    - name: v1-account_holders
      path: /v1/account_holders
      operations:
      - name: getaccountholders
        method: GET
        description: Get a list of individual or business account holders
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        inputParameters:
        - name: external_id
          in: query
          type: string
          description: If applicable, represents the external_id associated with the account_holder.
        - name: limit
          in: query
          type: integer
          description: The number of account_holders to limit the response to.
        - name: first_name
          in: query
          type: string
          description: (Individual Account Holders only) The first name of the account holder. The query is case insensitive
            and supports partial matches.
        - name: last_name
          in: query
          type: string
          description: (Individual Account Holders only) The last name of the account holder. The query is case insensitive
            and supports partial matches.
        - name: legal_business_name
          in: query
          type: string
          description: (Business Account Holders only) The legal business name of the account holder. The query is case insensitive
            and supports partial matches.
        - name: phone_number
          in: query
          type: string
          description: Phone number of the account holder. The query must be an exact match.
        - name: email
          in: query
          type: string
          description: Email address of the account holder. The query must be an exact match, case insensitive.
      - name: postaccountholders
        method: POST
        description: Create an individual or business account holder
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        inputParameters:
        - name: body
          in: body
          type: object
          description: Request body (JSON).
          required: true
    - name: v1-account_holders-account_holder_token
      path: /v1/account_holders/{account_holder_token}
      operations:
      - name: getaccountholder
        method: GET
        description: Get an individual or business account holder
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
      - name: patchaccountholder
        method: PATCH
        description: Update account holder information and possibly resubmit for evaluation
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        inputParameters:
        - name: body
          in: body
          type: object
          description: Request body (JSON).
          required: true
    - name: v1-account_holders-account_holder_token-documents
      path: /v1/account_holders/{account_holder_token}/documents
      operations:
      - name: getaccountholderdocuments
        method: GET
        description: Get account holder document uploads
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
      - name: postaccountholderdocuments
        method: POST
        description: Initiate account holder document upload
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        inputParameters:
        - name: body
          in: body
          type: object
          description: Request body (JSON).
          required: true
    - name: v1-account_holders-account_holder_token-documents-document_token
      path: /v1/account_holders/{account_holder_token}/documents/{document_token}
      operations:
      - name: getaccountholderdocumentbytoken
        method: GET
        description: Get account holder document upload status
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: v1-account_holders-account_holder_token-entities
      path: /v1/account_holders/{account_holder_token}/entities
      operations:
      - name: postaccountholderentities
        method: POST
        description: Create a new beneficial owner individual or replace the existing control person entity
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        inputParameters:
        - name: body
          in: body
          type: object
          description: Request body (JSON).
          required: true
    - name: v1-account_holders-account_holder_token-entities-entity_token
      path: /v1/account_holders/{account_holder_token}/entities/{entity_token}
      operations:
      - name: deleteaccountholderentity
        method: DELETE
        description: Deactivate a beneficial owner individual
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: v1-simulate-account_holders-enrollment_document_review
      path: /v1/simulate/account_holders/enrollment_document_review
      operations:
      - name: simulateaccountholderenrollmentdocumentreview
        method: POST
        description: Simulate an account holder document upload's review
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        inputParameters:
        - name: body
          in: body
          type: object
          description: Request body (JSON).
          required: true
    - name: v1-simulate-account_holders-enrollment_review
      path: /v1/simulate/account_holders/enrollment_review
      operations:
      - name: simulateaccountholderenrollmentreview
        method: POST
        description: Simulate an account holder's enrollment review
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        inputParameters:
        - name: body
          in: body
          type: object
          description: Request body (JSON).
          required: true
    authentication:
      type: apikey
      key: Authorization
      value: '{{env.LITHIC_API_KEY}}'
      placement: header
  exposes:
  - type: rest
    namespace: lithic-account-holder-rest
    port: 8080
    description: REST adapter for Lithic Developer API — Account Holder. One Spectral-compliant resource per consumed operation,
      prefixed with /v1.
    resources:
    - path: /v1/v1/account-holders
      name: v1-account-holders
      description: REST surface for v1-account_holders.
      operations:
      - method: GET
        name: getaccountholders
        description: Get a list of individual or business account holders
        call: lithic-account-holder.getaccountholders
        with:
          external_id: rest.external_id
          limit: rest.limit
          first_name: rest.first_name
          last_name: rest.last_name
          legal_business_name: rest.legal_business_name
          phone_number: rest.phone_number
          email: rest.email
        outputParameters:
        - type: object
          mapping: $.
      - method: POST
        name: postaccountholders
        description: Create an individual or business account holder
        call: lithic-account-holder.postaccountholders
        with:
          body: rest.body
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/v1/account-holders/{account-holder-token}
      name: v1-account-holders-account-holder-token
      description: REST surface for v1-account_holders-account_holder_token.
      operations:
      - method: GET
        name: getaccountholder
        description: Get an individual or business account holder
        call: lithic-account-holder.getaccountholder
        outputParameters:
        - type: object
          mapping: $.
      - method: PATCH
        name: patchaccountholder
        description: Update account holder information and possibly resubmit for evaluation
        call: lithic-account-holder.patchaccountholder
        with:
          body: rest.body
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/v1/account-holders/{account-holder-token}/documents
      name: v1-account-holders-account-holder-token-documents
      description: REST surface for v1-account_holders-account_holder_token-documents.
      operations:
      - method: GET
        name: getaccountholderdocuments
        description: Get account holder document uploads
        call: lithic-account-holder.getaccountholderdocuments
        outputParameters:
        - type: object
          mapping: $.
      - method: POST
        name: postaccountholderdocuments
        description: Initiate account holder document upload
        call: lithic-account-holder.postaccountholderdocuments
        with:
          body: rest.body
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/v1/account-holders/{account-holder-token}/documents/{document-token}
      name: v1-account-holders-account-holder-token-documents-document-token
      description: REST surface for v1-account_holders-account_holder_token-documents-document_token.
      operations:
      - method: GET
        name: getaccountholderdocumentbytoken
        description: Get account holder document upload status
        call: lithic-account-holder.getaccountholderdocumentbytoken
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/v1/account-holders/{account-holder-token}/entities
      name: v1-account-holders-account-holder-token-entities
      description: REST surface for v1-account_holders-account_holder_token-entities.
      operations:
      - method: POST
        name: postaccountholderentities
        description: Create a new beneficial owner individual or replace the existing control person entity
        call: lithic-account-holder.postaccountholderentities
        with:
          body: rest.body
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/v1/account-holders/{account-holder-token}/entities/{entity-token}
      name: v1-account-holders-account-holder-token-entities-entity-token
      description: REST surface for v1-account_holders-account_holder_token-entities-entity_token.
      operations:
      - method: DELETE
        name: deleteaccountholderentity
        description: Deactivate a beneficial owner individual
        call: lithic-account-holder.deleteaccountholderentity
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/v1/simulate/account-holders/enrollment-document-review
      name: v1-simulate-account-holders-enrollment-document-review
      description: REST surface for v1-simulate-account_holders-enrollment_document_review.
      operations:
      - method: POST
        name: simulateaccountholderenrollmentdocumentreview
        description: Simulate an account holder document upload's review
        call: lithic-account-holder.simulateaccountholderenrollmentdocumentreview
        with:
          body: rest.body
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/v1/simulate/account-holders/enrollment-review
      name: v1-simulate-account-holders-enrollment-review
      description: REST surface for v1-simulate-account_holders-enrollment_review.
      operations:
      - method: POST
        name: simulateaccountholderenrollmentreview
        description: Simulate an account holder's enrollment review
        call: lithic-account-holder.simulateaccountholderenrollmentreview
        with:
          body: rest.body
        outputParameters:
        - type: object
          mapping: $.
  - type: mcp
    namespace: lithic-account-holder-mcp
    port: 9090
    transport: http
    description: MCP adapter for Lithic Developer API — Account Holder. One tool per consumed operation, routed inline through
      this capability's consumes block.
    tools:
    - name: get-list-individual-business-account
      description: Get a list of individual or business account holders
      hints:
        readOnly: true
        destructive: false
        idempotent: true
      call: lithic-account-holder.getaccountholders
      with:
        external_id: tools.external_id
        limit: tools.limit
        first_name: tools.first_name
        last_name: tools.last_name
        legal_business_name: tools.legal_business_name
        phone_number: tools.phone_number
        email: tools.email
      outputParameters:
      - type: object
        mapping: $.
    - name: create-individual-business-account-holder
      description: Create an individual or business account holder
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: lithic-account-holder.postaccountholders
      with:
        body: tools.body
      outputParameters:
      - type: object
        mapping: $.
    - name: get-individual-business-account-holder
      description: Get an individual or business account holder
      hints:
        readOnly: true
        destructive: false
        idempotent: true
      call: lithic-account-holder.getaccountholder
      outputParameters:
      - type: object
        mapping: $.
    - name: update-account-holder-information-and
      description: Update account holder information and possibly resubmit for evaluation
      hints:
        readOnly: false
        destructive: false
        idempotent: true
      call: lithic-account-holder.patchaccountholder
      with:
        body: tools.body
      outputParameters:
      - type: object
        mapping: $.
    - name: get-account-holder-document-uploads
      description: Get account holder document uploads
      hints:
        readOnly: true
        destructive: false
        idempotent: true
      call: lithic-account-holder.getaccountholderdocuments
      outputParameters:
      - type: object
        mapping: $.
    - name: initiate-account-holder-document-upload
      description: Initiate account holder document upload
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: lithic-account-holder.postaccountholderdocuments
      with:
        body: tools.body
      outputParameters:
      - type: object
        mapping: $.
    - name: get-account-holder-document-upload
      description: Get account holder document upload status
      hints:
        readOnly: true
        destructive: false
        idempotent: true
      call: lithic-account-holder.getaccountholderdocumentbytoken
      outputParameters:
      - type: object
        mapping: $.
    - name: create-new-beneficial-owner-individual
      description: Create a new beneficial owner individual or replace the existing control person entity
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: lithic-account-holder.postaccountholderentities
      with:
        body: tools.body
      outputParameters:
      - type: object
        mapping: $.
    - name: deactivate-beneficial-owner-individual
      description: Deactivate a beneficial owner individual
      hints:
        readOnly: false
        destructive: true
        idempotent: true
      call: lithic-account-holder.deleteaccountholderentity
      outputParameters:
      - type: object
        mapping: $.
    - name: simulate-account-holder-document-upload-s
      description: Simulate an account holder document upload's review
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: lithic-account-holder.simulateaccountholderenrollmentdocumentreview
      with:
        body: tools.body
      outputParameters:
      - type: object
        mapping: $.
    - name: simulate-account-holder-s-enrollment-review
      description: Simulate an account holder's enrollment review
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: lithic-account-holder.simulateaccountholderenrollmentreview
      with:
        body: tools.body
      outputParameters:
      - type: object
        mapping: $.