Sync SDK DTOs with Unit API docs (automated, 2026-05-14)

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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. All additions are optional kwargs with None defaults.

Resources synced

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

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 Date string	The date the resource was updated.
passport	string	Individual passport number. Either ssn or passport will be populated.
nationality	ISO 3166-1 alpha-2	Always set when passport is populated, optional with ssn.
industry	Industry	Sole-prop business industry, when specified.
idTheftScore	number (0-1000)	Score for ID theft verification (>900 auto-rejected by default).

Manual review needed

• Docs list archived (boolean, non-Optional) which is missing from the DTO. Possible new required field — flag as breaking-change candidate before adding.

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

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 Date string	The date the resource was updated.
freezeReason	string	Reason the account was frozen (Fraud, ByBank, or free-text).
fraudReason	FraudReason	Expanded fraud reason when Fraud is the reason (e.g. CardActivity, IdentityTheft, ...).
dacaStatus	Entered | Activated	DACA status. New DacaStatus literal alias added.

Manual review needed

• Docs list interestTerms (Interest Terms object) as non-Optional but conditionally returned (only when extraFields[account] is requested). Skipped to avoid creating a new nested type without spec; flag for follow-up if SDK callers need typed access.

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

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 Date string	The date the resource was updated.
industry	Industry	Business industry, when specified.
stockSymbol	string	Stock symbol (ticker) of the business.

Manual review needed

• Docs list archived (boolean, non-Optional) which is missing from the DTO. Possible new required field — flag as breaking-change candidate before adding.
• Docs treat businessVertical as non-Optional, but the DTO has it Optional. Required ↔ Optional flip; defer to humans.

4. 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 statuses Pending or Sent — when the counterparty handles the request.
counterpartyVerificationMethod	string	Verification method of the counterparty (e.g. Plaid).

Manual review needed

• Docs list sameDay (boolean) and secCode (string) as non-Optional but they aren't on the DTO. Possible new required fields — flag as breaking-change candidates.

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

• Docs list direction (string) and isAdvanceable (boolean) as non-Optional but they aren't on the DTO. Possible new required fields — flag as breaking-change candidates.

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))" returns 117 (unchanged).

Queued for next run

Resources with detected optional drift that did not fit in this run (5-resource cap):

• IndividualCustomerDTO (unit/models/customer.py) — missing eligibleProducts, ein. Also: docs archiveReason enum adds FraudLinkedToFraudulentCustomer not in code (manual review).
• BusinessCustomerDTO (unit/models/customer.py) — missing eligibleProducts. Same archiveReason enum drift (manual review).
• IndividualDebitCardDTO / BusinessDebitCardDTO (unit/models/card.py) — missing updatedAt. Docs also list bin as non-Optional (manual review).
• WirePaymentDTO (unit/models/payment.py) — missing imadOmad.
• BusinessVirtualDebitCardDTO (unit/models/card.py) — missing updatedAt, shippingAddress, tags, design.

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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.