Sync SDK DTOs with Unit API docs (automated, 2026-05-13)

[cursor]

Summary

Automated sync against https://docs.unit.co/resources covering 5 resource DTOs.
Each resource is a separate commit so reviewers can split/cherry-pick if desired.

Note: per the docs-sync automation spec, this run should ideally open one PR per
resource. The current cloud-agent runner is constrained to a single designated
branch, so the 5 resource updates are bundled here as 5 separate commits on
cursor/unit-sdk-docs-sync-167a. Reviewers can merge as one or split per commit.

Resources synced

1. AchPaymentDTO (unit/models/payment.py)

Source: https://docs.unit.co/resources#ach-payment

Added optional fields

Field	Type	Docs note
expectedCompletionDate	RFC3339 Date string	For ACH credit with status Pending / Sent, the date on which the counterparty will handle the request.
counterpartyVerificationMethod	string	Verification method of the counterparty, e.g. Plaid.

Manual review needed

• sameDay — boolean. Required in docs; absent from the DTO. Adding may break stored payloads.
• secCode — string (WEB / CCD / PPD). Required 3-letter ACH SEC code per docs; absent from the DTO.

2. AchReceivedPaymentDTO (unit/models/payment.py)

Source: https://docs.unit.co/resources#ach-received-payment

Added optional fields

Field	Type	Docs note
originatorEntityId	string	Unique identifier by which the originator is formally recognized within the ACH network.
receivingEntityName	string	Name of the recipient as declared by the originator of the payment.

Manual review needed

• isAdvanceable — boolean. Required in docs; absent from the DTO.
• direction — string (Debit / Credit). Required in docs; absent from the DTO.
• The current SDK uses attributes.get("companyName"), attributes.get("counterpartyRoutingNumber"), and attributes.get("traceNumber") even though docs mark these as required (Required ↔ Optional flip in the SDK direction). Likely a defensive choice — left alone.

3. IndividualDebitCardDTO (unit/models/card.py)

Source: https://docs.unit.co/resources#individualdebitcard

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 Date string	Date the card resource was updated.

Manual review needed

• bin — string (9-digit BIN). Marked required in docs; absent from the DTO. Same gap exists on BusinessDebitCardDTO, IndividualVirtualDebitCardDTO, and BusinessVirtualDebitCardDTO — not touched in this PR but worth a follow-up.

4. IndividualCustomerDTO (unit/models/customer.py)

Source: https://docs.unit.co/resources#individualcustomer

Added optional fields

Field	Type	Docs note
ein	string	Present when the individual is a sole proprietor with an EIN.
eligibleProducts	array of Product strings	Products the customer is eligible for. Stored as a raw List[str] since the SDK has no typed Product enum yet.

Manual review needed

• BusinessCustomerDTO is also missing eligibleProducts per docs — out of scope for this PR; flagged for a follow-up sync.

5. DepositAccountDTO (unit/models/account.py)

Source: https://docs.unit.co/resources#deposit-account

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 Date string	Date the deposit account was updated.
freezeReason	string	Reason the account was frozen (Fraud, ByBank, or free text).
fraudReason	enum string	Expanded fraud reason when closeReason=Fraud. Reuses the existing FraudReason Literal in this file.
dacaStatus	string	DACA status, one of Entered, Activated.

Manual review needed

• interestTerms — typed object (Interest Terms). Only returned when extraFields[account] is supplied; would require a new nested DTO. Skipped to keep this run additive-only.

Backward compatibility

All additions are optional kwargs with None defaults. from_json_api uses attributes.get(...) for every new field. No existing call site needs to change; constructor signatures remain compatible because new kwargs were appended at the end.

Verified post-edit:

$ python3 -c "from unit.models.codecs import DtoDecoder, mappings; print(len(mappings))"
117

Recent upstream activity

git log --since="30 days ago" HEAD..upstream/master returned no recent commits touching unit/models/payment.py, unit/models/card.py, unit/models/customer.py, or unit/models/account.py, so no upstream cherry-pick candidates to flag.

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Opened by the docs-sync automation. Paired API PR will be opened by automation 2.