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POST

Description

Creates a widget session for a user. Returns a session_token (JWT) and a widget_url that you embed as an iframe. The session is valid for the duration specified in expires_at. The widget handles OTP email verification, identity verification (Onfido), bank linking (Plaid), and cashout initiation internally. Widget session creation does not query or enforce disclosure acceptance. It can report outstanding disclosures as a read-only status, but the widget does not render documents or collect acceptance. Types 1 through 5 can be ignored for widget eligibility. ACH cashout submission is a separate gate. Before an ACH cashout can succeed, your application must present and record the latest Electronic Funds Transfer disclosure (type 6). This requirement is enforced only when the ACH cashout is submitted. See Disclosure Agreements.

Configuration

Header Parameters

string
required
Your ZBD project API key (production scope).
string
Content Type

Body Parameters

string
required
User’s email address. Required when access_token is not supplied.
string
Optional HTTPS server URL to receive widget webhook events.
string
Optional publisher reference for the session.
object
Optional key-value metadata to attach to the session.
string
Existing access token. When supplied, email is not required and OTP is skipped.