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.

Resources synced

1. AccountEndOfDayDTO (unit/models/account_end_of_day.py)

Source: https://docs.unit.co/resources#account-end-of-day

Added optional fields

Field	Type	Docs note
overdraftLimit	integer	Optional. The overdraft limit amount.

Manual review needed

• None.

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

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

Added optional fields

Field	Type	Docs note
expectedCompletionDate	RFC3339 Date string	Optional. For ACH credit with statuses Pending, Sent, the date on which the counterparty will handle the request.
counterpartyVerificationMethod	string	Optional. Counterparty verification method (e.g. Plaid).

Manual review needed

• sameDay (boolean): present in docs as a non-Optional attribute but missing from AchPaymentDTO. Adding it as required would be a breaking change for any caller currently constructing the DTO; flagging for human triage.
• secCode (string, one of WEB/CCD/PPD): present in docs as a non-Optional attribute but missing from AchPaymentDTO. Same breaking-change concern as sameDay.

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

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

Added optional fields

Field	Type	Docs note
originatorEntityId	string	Optional. A unique identifier by which the originator is formally recognized within the ACH network.
receivingEntityName	string	Optional. The name of the recipient as declared by the originator.

Manual review needed

• isAdvanceable (boolean): docs list this as a non-Optional attribute but it's missing from AchReceivedPaymentDTO. Adding as required would be a breaking change.
• direction (string Debit/Credit): docs list this as a non-Optional attribute but it's missing from AchReceivedPaymentDTO. Adding as required would be a breaking change.

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

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
freezeReason	string	Optional. The reason the account was frozen, either Fraud, ByBank, or free-text.
fraudReason	string	Optional. Expanded fraud reason when Fraud is the close reason.
dacaStatus	string	Optional. DACA status (Entered, Activated, etc.).

Manual review needed

• interestTerms (Interest Terms): docs list this as a non-Optional nested attribute but the field is missing from DepositAccountDTO. The docs also note "only available if extraFields[account] is used", suggesting it is in practice optional, but the table doesn't mark it so. Flagging for human triage; if added, it would also need an InterestTerms sub-object class.

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

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

Added optional fields

Field	Type	Docs note
updatedAt	RFC3339 Date string	Optional. The date the resource was updated.
nationality	ISO31661-Alpha2 string	Optional when SSN is populated; required when passport is populated.
industry	Industry	Optional. Industry of the sole proprietor, if specified.
idTheftScore	number	Optional. Score (0-1000) for ID theft verification.

Manual review needed

• passport (string): docs list this as a non-Optional attribute (with the note "Either ssn or passport will be populated") but it is currently absent from IndividualApplicationDTO. Whether to add it as a required or optional kwarg is a human call.
• archived (boolean): docs list this as a non-Optional attribute but it is currently absent from IndividualApplicationDTO. Same triage question.

Backward compatibility

All additions are optional kwargs with None defaults; existing callers are unaffected.

Queued for next run

The following resources also have drift versus the docs but were deferred to keep this run scoped to 5 resources (cap defined by the docs-sync automation):

• BusinessApplicationDTO — missing optional updatedAt, industry; manual review for archived.
• CounterpartyDTO — tags exists in docs but is not formally marked Optional; manual review.
• WirePaymentDTO — imadOmad exists in docs but is not formally marked Optional; manual review.
• Several resource families not yet present in the SDK (AccountHold, WireReceivedPayment, account limit overrides, repayments, recurring payments, credit applications, fraud cases, etc.) — adding these requires new DTO files plus codec entries and is left for 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.