> ## 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. # Accept terms of service > Records acceptance of the terms a capability requires, by submitting the signed agreement id the user obtained from the provider's hosted flow. The `agreementId` is opaque — the platform resolves which provider it belongs to from the user's outstanding `terms_acceptance` requirement. Callers never need to know the provider. While the requirement is outstanding, the user's capabilities carry a `terms_acceptance` requirement whose `actionUrl` is the hosted flow that produces this id. ## OpenAPI ````yaml https://platform.spritz.finance/openapi.json post /v1/users/me/terms 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/users/me/terms: post: tags: - Terms summary: Accept terms of service description: >- Records acceptance of the terms a capability requires, by submitting the signed agreement id the user obtained from the provider's hosted flow. The `agreementId` is opaque — the platform resolves which provider it belongs to from the user's outstanding `terms_acceptance` requirement. Callers never need to know the provider. While the requirement is outstanding, the user's capabilities carry a `terms_acceptance` requirement whose `actionUrl` is the hosted flow that produces this id. operationId: postV1UsersMeTerms requestBody: description: Terms acceptance for the authenticated user. required: true content: application/json: schema: description: Terms acceptance for the authenticated user. type: object properties: agreementId: minLength: 1 description: >- The signed agreement id the user received from the provider's hosted terms flow (surfaced via the terms_acceptance requirement's actionUrl). Opaque — the platform resolves which provider it belongs to. type: string sessionId: minLength: 1 description: >- Optional fraud-session id from the provider's client SDK (e.g. a Radar session), forwarded to the provider for fraud checks. type: string required: - agreementId application/x-www-form-urlencoded: schema: description: Terms acceptance for the authenticated user. type: object properties: agreementId: minLength: 1 description: >- The signed agreement id the user received from the provider's hosted terms flow (surfaced via the terms_acceptance requirement's actionUrl). Opaque — the platform resolves which provider it belongs to. type: string sessionId: minLength: 1 description: >- Optional fraud-session id from the provider's client SDK (e.g. a Radar session), forwarded to the provider for fraud checks. type: string required: - agreementId multipart/form-data: schema: description: Terms acceptance for the authenticated user. type: object properties: agreementId: minLength: 1 description: >- The signed agreement id the user received from the provider's hosted terms flow (surfaced via the terms_acceptance requirement's actionUrl). Opaque — the platform resolves which provider it belongs to. type: string sessionId: minLength: 1 description: >- Optional fraud-session id from the provider's client SDK (e.g. a Radar session), forwarded to the provider for fraud checks. type: string required: - agreementId responses: '200': description: Result of a terms acceptance. content: application/json: schema: description: Result of a terms acceptance. type: object properties: termsAccepted: description: >- Whether the agreement was recorded and terms are now accepted. type: boolean required: - termsAccepted '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 '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. ````