> ## Documentation Index > Fetch the complete documentation index at: https://docs.spritz.finance/llms.txt > Use this file to discover all available pages before exploring further. # Create a sandbox direct deposit with an armed ACH return > Creates a direct (no-signature) deposit in sandbox and routes the Modern Treasury debit through a return-code-backed receiving account for end-to-end return testing. ## OpenAPI ````yaml https://platform.spritz.finance/openapi.json post /v1/sandbox/deposits/direct openapi: 3.0.3 info: title: Spritz Finance API version: 1.0.0 description: API for the Spritz Finance platform with RFC 9457 error handling servers: - url: https://platform.spritz.finance description: Production - url: https://sandbox.spritz.finance description: Sandbox security: [] tags: - name: Users description: User management endpoints - name: Bank Accounts description: Manage bank accounts for off-ramp destinations - name: Bills description: Manage bill pay accounts - name: Cards description: Spritz-issued debit cards - name: Auto-Ramp Accounts description: Virtual bank accounts that automatically convert fiat deposits to crypto - name: Spritz App description: >- Endpoints used by the Spritz app and internal SDKs. Excluded from the public partner spec. paths: /v1/sandbox/deposits/direct: post: tags: - Sandbox summary: Create a sandbox direct deposit with an armed ACH return description: >- Creates a direct (no-signature) deposit in sandbox and routes the Modern Treasury debit through a return-code-backed receiving account for end-to-end return testing. operationId: postV1SandboxDepositsDirect requestBody: required: true content: application/json: schema: type: object properties: preparationId: description: >- Opaque public preparation identifier returned by direct prepare type: string example: prep_01JV7Q8M4Y8K6N2Z5P3R1T9W0X clientContext: type: object properties: clientIp: type: string userAgent: type: string sessionId: type: string deviceId: type: string platform: type: string appVersion: type: string returnSimulation: type: object properties: code: minLength: 1 description: >- Sandbox-only ACH return code to simulate through the Modern Treasury provider path type: string example: R10 required: - code required: - preparationId - returnSimulation application/x-www-form-urlencoded: schema: type: object properties: preparationId: description: >- Opaque public preparation identifier returned by direct prepare type: string example: prep_01JV7Q8M4Y8K6N2Z5P3R1T9W0X clientContext: type: object properties: clientIp: type: string userAgent: type: string sessionId: type: string deviceId: type: string platform: type: string appVersion: type: string returnSimulation: type: object properties: code: minLength: 1 description: >- Sandbox-only ACH return code to simulate through the Modern Treasury provider path type: string example: R10 required: - code required: - preparationId - returnSimulation multipart/form-data: schema: type: object properties: preparationId: description: >- Opaque public preparation identifier returned by direct prepare type: string example: prep_01JV7Q8M4Y8K6N2Z5P3R1T9W0X clientContext: type: object properties: clientIp: type: string userAgent: type: string sessionId: type: string deviceId: type: string platform: type: string appVersion: type: string returnSimulation: type: object properties: code: minLength: 1 description: >- Sandbox-only ACH return code to simulate through the Modern Treasury provider path type: string example: R10 required: - code required: - preparationId - returnSimulation responses: '200': description: >- An ACH debit deposit authorized by the user and processed asynchronously through debit and crypto release lifecycles. content: application/json: schema: description: >- An ACH debit deposit authorized by the user and processed asynchronously through debit and crypto release lifecycles. type: object properties: id: description: Opaque public deposit identifier type: string example: dep_01JV7Q8M4Y8K6N2Z5P3R1T9W0X sourceId: description: Opaque public funding source identifier type: string example: fs_01JV7Q8M4Y8K6N2Z5P3R1T9W0X onRampId: type: string description: >- Identifier of the on-ramp created for this deposit, or null until the on-ramp record exists. nullable: true example: onramp_xyz789 status: type: string enum: - authorized - processing - partially_released - completed - returned - refunded - failed quoteType: type: string enum: - exact_input - exact_output priority: type: string enum: - normal - high feeRateBps: type: number planAdjustmentBps: type: number integratorTier: type: string nullable: true integratorPlanPhase: type: string nullable: true integratorPolicyVersion: type: string nullable: true principalAmountUsd: type: string expectedAssetAmount: type: string grossFeeUsd: type: string publishedFeeUsd: type: string planAdjustmentFeeUsd: type: string feeSubsidyUsd: type: string userFeeUsd: type: string totalDebitAmountUsd: type: string feeSubsidy: type: object properties: percentage: type: number percentageBps: type: number maxAmountUsd: type: string nullable: true appliedAmountUsd: type: string required: - percentage - percentageBps - maxAmountUsd - appliedAmountUsd nullable: true network: type: string enum: - solana - ethereum - polygon - base - avalanche - arbitrum asset: description: Asset sent to the deposit destination type: string example: USDC enum: - USDC assetAddress: type: string address: description: Destination wallet address for the crypto release type: string debitStatus: type: string enum: - authorized - submitting - submitted - settled - returned - failed releaseStatus: type: string enum: - not_started - queued - partial - completed - failed releaseDecisionMode: type: string enum: - after_settlement - early_full - early_partial releasedAmountUsd: type: string confirmedReleasedAmountUsd: type: string exposureAmountUsd: type: string authorizedAt: format: date-time type: string createdAt: format: date-time type: string settledAt: format: date-time type: string nullable: true returnedAt: format: date-time type: string nullable: true completedAt: format: date-time type: string nullable: true returnCode: type: string nullable: true returnReason: type: string nullable: true debitFailureCode: type: string nullable: true debitFailureReason: type: string nullable: true releaseFailureCode: type: string nullable: true releaseFailureReason: type: string nullable: true payoutTxHash: type: string nullable: true required: - id - sourceId - onRampId - status - quoteType - priority - feeRateBps - planAdjustmentBps - integratorTier - integratorPlanPhase - integratorPolicyVersion - principalAmountUsd - expectedAssetAmount - grossFeeUsd - publishedFeeUsd - planAdjustmentFeeUsd - feeSubsidyUsd - userFeeUsd - totalDebitAmountUsd - feeSubsidy - network - asset - assetAddress - address - debitStatus - releaseStatus - releaseDecisionMode - releasedAmountUsd - confirmedReleasedAmountUsd - exposureAmountUsd - authorizedAt - createdAt - settledAt - returnedAt - completedAt - returnCode - returnReason - debitFailureCode - debitFailureReason - releaseFailureCode - releaseFailureReason - payoutTxHash '401': description: Response for status 401 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string example: urn:problem-type:auth:unauthorized title: description: A short, human-readable summary of the problem type type: string example: Unauthorized status: description: The HTTP status code type: number example: 401 detail: description: A human-readable explanation specific to this occurrence type: string example: Bearer token required instance: description: A URI reference that identifies the specific occurrence type: string realm: description: The authentication realm type: string example: API scope: description: The required scope for this resource type: string example: read:users required: - title - status additionalProperties: false '403': description: Response for status 403 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string example: urn:problem-type:auth:unauthorized title: description: A short, human-readable summary of the problem type type: string example: Unauthorized status: description: The HTTP status code type: number example: 400 detail: description: A human-readable explanation specific to this occurrence type: string instance: description: A URI reference that identifies the specific occurrence type: string example: /errors/1234567890 code: description: >- Machine-readable cause, present when exactly one thing failed. Branch on this, never on `detail`, which is human-facing copy and may change. For deposit limits the vocabulary matches the `reason` values the limits API returns pre-flight. type: string example: transaction_limit field: description: The offending request field, present alongside `code`. type: string example: amountUsd retryable: description: >- Whether retrying the same request later may succeed without changing its inputs. type: boolean example: true required: - title - status additionalProperties: false '404': description: Response for status 404 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string title: description: A short, human-readable summary of the problem type type: string status: description: The HTTP status code type: number example: 404 detail: description: A human-readable explanation specific to this occurrence type: string instance: description: A URI reference that identifies the specific occurrence type: string resourceType: description: The type of resource that was not found type: string example: user resourceId: description: The identifier of the resource that was not found type: string required: - title - status - resourceType - resourceId additionalProperties: false '500': description: Response for status 500 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string example: urn:problem-type:auth:unauthorized title: description: A short, human-readable summary of the problem type type: string example: Unauthorized status: description: The HTTP status code type: number example: 400 detail: description: A human-readable explanation specific to this occurrence type: string instance: description: A URI reference that identifies the specific occurrence type: string example: /errors/1234567890 code: description: >- Machine-readable cause, present when exactly one thing failed. Branch on this, never on `detail`, which is human-facing copy and may change. For deposit limits the vocabulary matches the `reason` values the limits API returns pre-flight. type: string example: transaction_limit field: description: The offending request field, present alongside `code`. type: string example: amountUsd retryable: description: >- Whether retrying the same request later may succeed without changing its inputs. type: boolean example: true required: - title - status additionalProperties: false security: - bearerAuth: [] - integratorJwt: [] - hmacAuth: [] integratorKey: [] timestamp: [] components: securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT description: Cognito JWT token for regular user authentication integratorJwt: type: http scheme: bearer bearerFormat: JWT description: >- Integrator JWT token (prefix: spr_) for frontend integrator authentication. Obtained via token exchange endpoint. hmacAuth: type: apiKey in: header name: X-Signature description: >- HMAC signature authentication for backend integrators. **Required Headers:** - X-Integrator-Key: Integrator API key (format: int_...) - X-Signature: HMAC signature (format: sha256={hex}) - X-Timestamp: Unix timestamp in milliseconds - Authorization: Bearer {user-api-key} **Signature Algorithm:** HMAC-SHA256 **Signature Format:** {timestamp}.{METHOD}.{path}.{bodyHash} - timestamp: Unix timestamp in milliseconds - METHOD: HTTP method in UPPERCASE (GET, POST, etc.) - path: Request path (e.g., /v1/transactions) - bodyHash: SHA256 hex digest of request body (empty string if no body) **Timestamp Tolerance:** ±5 minutes (300 seconds) **Example:** For POST /v1/transactions with body {"amount":100} and timestamp 1234567890000: Payload: 1234567890000.POST./v1/transactions.{sha256(body)} Signature: sha256=abc123... integratorKey: type: apiKey in: header name: X-Integrator-Key description: 'Integrator API key (format: int_...) used with HMAC authentication' timestamp: type: apiKey in: header name: X-Timestamp description: >- Unix timestamp in milliseconds for replay attack prevention. Must be within 5 minutes of server time. ````