Strong Customer Authentication

Start trusting a beneficiary

Changed on

Begin trusting (whitelisting) an external account so future sends to it can skip the per-transaction SCA ceremony. Returns the scaChallenge to satisfy (when one is issued). Complete with POST /customers/external-accounts/{externalAccountId}/trust/confirm.

This endpoint is only meaningful for customers in a region where SCA is required (e.g. EU). For customers outside SCA-regulated regions, this returns 409.

post/customers/external-accounts/{externalAccountId}/trust

Request

  • Base URL: https://api.lightspark.com/grid/2025-10-13
  • URL: https://api.lightspark.com/grid/2025-10-13/customers/external-accounts/{externalAccountId}/trust
  • Auth: HTTP basic

Response

Beneficiary trust started; the SCA challenge (if any) is returned.

Example response

{
  "scaChallenge": {
    "id": "ScaChallenge:019542f5-b3e7-1d02-0000-000000000007",
    "expiresAt": "2025-10-03T12:05:00Z",
    "availableFactors": [
      "SMS_OTP"
    ],
    "purpose": "PAYOUT",
    "passkeyAllowedOrigins": [
      "https://app.example.com"
    ]
  }
}

Changes

  • 3966e5d38aadRevision changes
    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • breaking

      removed the required property from the response with the status

    • warning

      added the new ACCOUNT_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new AUTH_METHOD_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new CUSTOMER_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new DOCUMENT_ALREADY_EXISTS enum value to the response property for the response status

    • warning

      added the new DOCUMENT_HOLDER_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new DUPLICATE_EXTERNAL_ACCOUNT enum value to the response property for the response status

    • warning

      added the new DUPLICATE_PAY_REQUEST enum value to the response property for the response status

    • warning

      added the new INSUFFICIENT_FUNDS enum value to the response property for the response status

    • warning

      added the new NOT_FOUND enum value to the response property for the response status

    • warning

      added the new PAYMENT_URL_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new PLATFORM_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new QUOTE_EXPIRED enum value to the response property for the response status

    • warning

      added the new QUOTE_RATE_UNAVAILABLE enum value to the response property for the response status

    • warning

      added the new REQUEST_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new SESSION_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new SMS_OTP_CREDENTIAL_SET_CHANGED enum value to the response property for the response status

    • warning

      added the new SMS_OTP_PHONE_NUMBER_ALREADY_EXISTS enum value to the response property for the response status

    • warning

      added the new STABLECOIN_AMOUNT_NOT_REPRESENTABLE enum value to the response property for the response status

    • warning

      added the new STABLECOIN_BURN_SOURCE_NOT_SUPPORTED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_EXTERNAL_ACCOUNT_LINK_FAILED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_EXTERNAL_ACCOUNT_LINK_METHOD_REQUIRED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_EXTERNAL_ACCOUNT_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new STABLECOIN_EXTERNAL_ACCOUNT_NOT_LINKED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_EXTERNAL_ACCOUNT_NOT_SUPPORTED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_EXTERNAL_ACCOUNT_PROVIDER_LINK_FAILED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_EXTERNAL_ACCOUNT_PROVIDER_LINK_REQUIRED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_GRID_OPERATIONS_NOT_ENABLED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new STABLECOIN_NOT_PROVISIONED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_OPERATION_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new STABLECOIN_OPERATION_NOT_SUPPORTED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_PROVIDER_ERROR enum value to the response property for the response status

    • warning

      added the new STABLECOIN_PROVIDER_SOURCE_NOT_LINKED enum value to the response property for the response status

    • warning

      added the new STABLECOIN_SYMBOL_ALREADY_EXISTS enum value to the response property for the response status

    • warning

      added the new STABLECOIN_TOKEN_IDENTIFIER_ALREADY_EXISTS enum value to the response property for the response status

    • warning

      added the new STABLECOIN_VERIFICATION_FAILED enum value to the response property for the response status

    • warning

      added the new VERIFICATION_NOT_FOUND enum value to the response property for the response status

    • warning

      added the new WALLET_NOT_PROVISIONED enum value to the response property for the response status

    • info

      added the required property to the response with the status

    • info

      added the required property to the response with the status

    • info

      added the required property to the response with the status

    • info

      added the required property to the response with the status

    • info

      added the required property to the response with the status

  • ccf658daca4bRevision changes
    • warning

      added the new BANK_ACCOUNT_VALIDATION_PENDING enum value to the response property for the response status