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

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Summary

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

Resources synced

1. IndividualApplicationDTO (unit/models/application.py)

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 datetime	The date the resource was updated.
nationality	ISO31661-Alpha2 string	Always when Passport is populated and optional when SSN is populated.
industry	Industry enum	Indicates if the individual is a sole proprietor who has a business industry.
idTheftScore	number	Score (0-1000) for ID theft verification, >900 is auto rejected as default.

Manual review needed

• passport is described in the docs (no Optional marker) as "Either ssn or passport will be populated", but the DTO does not currently hydrate attributes["passport"]. Effectively a missing required-or-conditional field — breaking-change candidate, left untouched here.
• archived is described in the docs without an Optional marker but is currently absent from self.attributes. Breaking-change candidate, left untouched here.
• ApplicationStatus literal in code is Literal["Approved", "Denied", "Pending", "PendingReview"] — narrower than the documented enum which also includes AwaitingDocuments. Existing typing limitation, not changed.
• V2-style attributes already on the DTO (accountPurpose, sourceOfFunds, transactionVolume, businessIndustry, isIncorporated, website, countriesOfOperation) are not in the v1 docs page; verify they still match Unit's payloads when a v2-aware docs surface lands.

2. BusinessApplicationDTO (unit/models/application.py)

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 datetime	The date the resource was updated.
industry	Industry enum	Business industry, if specified.
stockSymbol	string	The stock symbol (ticker) of the business.

Manual review needed

• archived is documented without an Optional marker but is absent from self.attributes. Breaking-change candidate, left untouched here.
• ssn is on the DTO (attributes["ssn"]) but is not listed on the BusinessApplication docs table — possible removal candidate, left untouched here.
• ApplicationStatus literal narrower than docs enum (same caveat as above).
• entityType literal in code includes "Corporation"; docs list LLC, Partnership, PubliclyTradedCorporation, PrivatelyHeldCorporation, NotForProfitOrganization. Possible enum drift, not changed.

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

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 datetime	The date the resource was updated.
freezeReason	string	Reason the account was frozen, either Fraud, ByBank, or free-text.
fraudReason	FraudReason enum	Expanded fraud reason when Fraud is the close reason.
dacaStatus	DacaStatus enum (Entered | Activated)	DACA program state.

A new DacaStatus literal alias was added next to the existing AccountStatus / CloseReason aliases.

Manual review needed

• interestTerms is documented without an Optional marker (only available when extraFields[account] is requested) but is absent from self.attributes. Conditional/required-ish field — left untouched here.
• CloseReason literal in code is Literal["ByCustomer", "Fraud"] but docs list ByCustomer, Fraud, and ByBank. Possible enum drift, not changed.

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

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

Added optional fields

Field	Type	Docs note
settlementDate	RFC3339 datetime	Decoded value was assigned to self.settlement_date but never copied into self.attributes; now hydrated into both.
expectedCompletionDate	RFC3339 datetime	For ACH credit with statuses Pending/Sent.
counterpartyVerificationMethod	string	Verification method of the counterparty (e.g. Plaid).

Manual review needed

• sameDay (boolean) and secCode (string) are listed on the docs without an Optional marker but are absent from self.attributes. Breaking-change candidates, left untouched here.

5. 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

• direction (Debit/Credit) and isAdvanceable (boolean) are listed in the docs without an Optional marker but are absent from self.attributes. Breaking-change candidates, left untouched here.
• AchReceivedPaymentStatus literal in code is Literal["Pending", "Advanced", "Completed", "Returned"] but docs include PendingReview and MarkedForReturn. Enum drift, not changed.

Backward compatibility

All additions are optional kwargs with None defaults; existing callers are unaffected. python -c "from unit.models.codecs import DtoDecoder, mappings; print(len(mappings))" still resolves all imports (117 mappings).

Queued for next run

Drift surfaced during scoping that did not fit in this 5-resource run:

• PurchaseTransactionDTO, AtmTransactionDTO, CardTransactionDTO — likely missing networkTransactionId, internationalServiceFee per OpenAPI; needs docs cross-check.
• WirePaymentDTO — imadOmad object, settlementDate.
• BookPaymentDTO — transactionSummaryOverride.
• OriginatedAchTransactionDTO — secCode, traceNumber.
• ReceivedAchTransactionDTO — counterpartyName.
• ReturnedAchTransactionDTO — achReason.
• AccountEndOfDayDTO — overdraftLimit (docs-confirmed Optional).
• WireReceivedPaymentDTO, DeclinedIncomingPaymentDTO, AccountHoldDTO, WireDrawdownDTO, etc. — no DTO at all today; would need brand-new classes plus codec entries (out of scope for an additive sync run).
• CheckDepositDTO, DisputeDTO, CardReversalTransactionDTO, CheckStopPaymentDTO, repayment DTOs — class exists but is not wired into codecs.py mappings. Worth a follow-up.

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Opened by the docs-sync automation. Mirror automation will open a paired API PR against Truss-pmts/api once this PR is opened.