Deposit Account Control Agreement (DACA)

DACA (Deposit Account Control Agreement) is a legal agreement that an account holder enters into, granting a secured party control of a certain deposit account and the funds in it, under certain conditions. Unit supports that structure by providing 3 endpoints:

1. Enter DACA: Indicates that a certain deposit account is subject to a Deposit Account Control Agreement. When DACA is entered, an Operator is assigned so in case of DACA activation the Operator will take control over the account, being the only entity authorized to move funds outside of the account.
2. Activate DACA: Activates the Deposit Account Control Agreement, preventing funds from being withdrawn from the account through either end-customer initiated actions (freezing cards, restricting ACH/Wire origination) or external attempts (automatically rejecting received ACH debits). The only way of initiating money related activities (that will result in withdrawing funds from the account) would be using an org API token (when acting as the Operator).
3. Deactivate DACA: Re-enables the customer's access to the account. Unfreezes the cards, re-enables ACH/Wire origination and received ACH debits.

note

The DACA functionality is not enabled by default, as it has significant compliance implications. Please contact Unit to enable this functionality.

Enter Control Agreement

Set an account with DACA Entered status.

note

Setting an account with DACA Entered will not affect the account. It only means that DACA can be activated for this account in the future.

Verb	POST
Url	https://api.s.unit.sh/accounts/:accountId/enter-daca
Required Scope	accounts-write
Timeout (Seconds)	5

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	DepositAccount	Deposit Account resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/enter-daca'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{}'

Activate Control Agreement

Set an account with DACA Activated status. This action will:

1. Change the account's dacaStatus to Activated.
2. Freeze all account's cards.
3. ACH, Wire and Book (when funds are debited from the DACA account) payments attempts will not be supported.
4. Incoming ACH Debit payments will be returned with NonTransactionAccount Reason.

note

Activating a DACA will work only for a DACA Operator and for accounts that have previously entered a DACA.

Verb	POST
Url	https://api.s.unit.sh/accounts/:accountId/activate-daca
Required Scope	accounts-write
Timeout (Seconds)	5

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	DepositAccount	Deposit Account resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/activate-daca'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{}'

Deactivate Control Agreement

Deactivate an account with DACA Activated status. This action will:

1. Return account's dacaStatus to Entered.
2. Unfreeze all account's cards that were frozen due to DACA.
3. Remove the restrictions on ACH, Wire and Book (when funds are debited from the DACA account).
4. Remove the restriction on incoming debit ACH payments.

Verb	POST
Url	https://api.s.unit.sh/accounts/:accountId/deactivate-daca
Required Scope	accounts-write
Timeout (Seconds)	5

Response

Response is a JSON:API document.

200 OK

Field	Type	Description2
data	DepositAccount	Deposit Account resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/deactivate-daca'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{}'