increase 1.187.0 → 1.189.0

data/rbi/increase/models/balance_lookup.rbi

@@ -22,6 +22,15 @@ module Increase
       sig { returns(Integer) }
       attr_accessor :current_balance
 
+      # The loan balances for the Account.
+      sig { returns(T.nilable(Increase::BalanceLookup::Loan)) }
+      attr_reader :loan
+
+      sig do
+        params(loan: T.nilable(Increase::BalanceLookup::Loan::OrHash)).void
+      end
+      attr_writer :loan
+
       # A constant representing the object's type. For this resource it will always be
       # `balance_lookup`.
       sig { returns(Increase::BalanceLookup::Type::TaggedSymbol) }
@@ -34,6 +43,7 @@ module Increase
           account_id: String,
           available_balance: Integer,
           current_balance: Integer,
+          loan: T.nilable(Increase::BalanceLookup::Loan::OrHash),
           type: Increase::BalanceLookup::Type::OrSymbol
         ).returns(T.attached_class)
       end
@@ -46,6 +56,8 @@ module Increase
         # The Account's current balance, representing the sum of all posted Transactions
         # on the Account.
         current_balance:,
+        # The loan balances for the Account.
+        loan:,
         # A constant representing the object's type. For this resource it will always be
         # `balance_lookup`.
         type:
@@ -58,6 +70,7 @@ module Increase
             account_id: String,
             available_balance: Integer,
             current_balance: Integer,
+            loan: T.nilable(Increase::BalanceLookup::Loan),
             type: Increase::BalanceLookup::Type::TaggedSymbol
           }
         )
@@ -65,6 +78,57 @@ module Increase
       def to_hash
       end
 
+      class Loan < Increase::Internal::Type::BaseModel
+        OrHash =
+          T.type_alias do
+            T.any(Increase::BalanceLookup::Loan, Increase::Internal::AnyHash)
+          end
+
+        # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) time at which the loan
+        # payment is due.
+        sig { returns(T.nilable(Time)) }
+        attr_accessor :due_at
+
+        # The total amount due on the loan.
+        sig { returns(Integer) }
+        attr_accessor :due_balance
+
+        # The amount past due on the loan.
+        sig { returns(Integer) }
+        attr_accessor :past_due_balance
+
+        # The loan balances for the Account.
+        sig do
+          params(
+            due_at: T.nilable(Time),
+            due_balance: Integer,
+            past_due_balance: Integer
+          ).returns(T.attached_class)
+        end
+        def self.new(
+          # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) time at which the loan
+          # payment is due.
+          due_at:,
+          # The total amount due on the loan.
+          due_balance:,
+          # The amount past due on the loan.
+          past_due_balance:
+        )
+        end
+
+        sig do
+          override.returns(
+            {
+              due_at: T.nilable(Time),
+              due_balance: Integer,
+              past_due_balance: Integer
+            }
+          )
+        end
+        def to_hash
+        end
+      end
+
       # A constant representing the object's type. For this resource it will always be
       # `balance_lookup`.
       module Type

data/rbi/increase/models/intrafi_exclusion.rbi

@@ -13,7 +13,7 @@ module Increase
       attr_accessor :id
 
       # The name of the excluded institution.
-      sig { returns(String) }
+      sig { returns(T.nilable(String)) }
       attr_accessor :bank_name
 
       # The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which
@@ -60,7 +60,7 @@ module Increase
       sig do
         params(
           id: String,
-          bank_name: String,
+          bank_name: T.nilable(String),
           created_at: Time,
           entity_id: String,
           excluded_at: T.nilable(Time),
@@ -104,7 +104,7 @@ module Increase
         override.returns(
           {
             id: String,
-            bank_name: String,
+            bank_name: T.nilable(String),
             created_at: Time,
             entity_id: String,
             excluded_at: T.nilable(Time),

data/rbi/increase/models/intrafi_exclusion_create_params.rbi

@@ -14,26 +14,32 @@ module Increase
           )
         end
 
-      # The name of the financial institution to be excluded.
-      sig { returns(String) }
-      attr_accessor :bank_name
-
       # The identifier of the Entity whose deposits will be excluded.
       sig { returns(String) }
       attr_accessor :entity_id
 
+      # The FDIC certificate number of the financial institution to be excluded. An FDIC
+      # certificate number uniquely identifies a financial institution, and is different
+      # than a routing number. To find one, we recommend searching by Bank Name using
+      # the [FDIC's bankfind tool](https://banks.data.fdic.gov/bankfind-suite/bankfind).
+      sig { returns(String) }
+      attr_accessor :fdic_certificate_number
+
       sig do
         params(
-          bank_name: String,
           entity_id: String,
+          fdic_certificate_number: String,
           request_options: Increase::RequestOptions::OrHash
         ).returns(T.attached_class)
       end
       def self.new(
-        # The name of the financial institution to be excluded.
-        bank_name:,
         # The identifier of the Entity whose deposits will be excluded.
         entity_id:,
+        # The FDIC certificate number of the financial institution to be excluded. An FDIC
+        # certificate number uniquely identifies a financial institution, and is different
+        # than a routing number. To find one, we recommend searching by Bank Name using
+        # the [FDIC's bankfind tool](https://banks.data.fdic.gov/bankfind-suite/bankfind).
+        fdic_certificate_number:,
         request_options: {}
       )
       end
@@ -41,8 +47,8 @@ module Increase
       sig do
         override.returns(
           {
-            bank_name: String,
             entity_id: String,
+            fdic_certificate_number: String,
             request_options: Increase::RequestOptions
           }
         )

data/rbi/increase/models/program.rbi

@@ -33,6 +33,15 @@ module Increase
       sig { returns(String) }
       attr_accessor :interest_rate
 
+      # The lending details for the program.
+      sig { returns(T.nilable(Increase::Program::Lending)) }
+      attr_reader :lending
+
+      sig do
+        params(lending: T.nilable(Increase::Program::Lending::OrHash)).void
+      end
+      attr_writer :lending
+
       # The name of the Program.
       sig { returns(String) }
       attr_accessor :name
@@ -59,6 +68,7 @@ module Increase
           created_at: Time,
           default_digital_card_profile_id: T.nilable(String),
           interest_rate: String,
+          lending: T.nilable(Increase::Program::Lending::OrHash),
           name: String,
           type: Increase::Program::Type::OrSymbol,
           updated_at: Time
@@ -80,6 +90,8 @@ module Increase
         # string containing a decimal number. For example, a 1% interest rate would be
         # represented as "0.01".
         interest_rate:,
+        # The lending details for the program.
+        lending:,
         # The name of the Program.
         name:,
         # A constant representing the object's type. For this resource it will always be
@@ -100,6 +112,7 @@ module Increase
             created_at: Time,
             default_digital_card_profile_id: T.nilable(String),
             interest_rate: String,
+            lending: T.nilable(Increase::Program::Lending),
             name: String,
             type: Increase::Program::Type::TaggedSymbol,
             updated_at: Time
@@ -134,6 +147,31 @@ module Increase
         end
       end
 
+      class Lending < Increase::Internal::Type::BaseModel
+        OrHash =
+          T.type_alias do
+            T.any(Increase::Program::Lending, Increase::Internal::AnyHash)
+          end
+
+        # The maximum extendable credit of the program.
+        sig { returns(Integer) }
+        attr_accessor :maximum_extendable_credit
+
+        # The lending details for the program.
+        sig do
+          params(maximum_extendable_credit: Integer).returns(T.attached_class)
+        end
+        def self.new(
+          # The maximum extendable credit of the program.
+          maximum_extendable_credit:
+        )
+        end
+
+        sig { override.returns({ maximum_extendable_credit: Integer }) }
+        def to_hash
+        end
+      end
+
       # A constant representing the object's type. For this resource it will always be
       # `program`.
       module Type

data/rbi/increase/models/simulations/program_create_params.rbi

@@ -36,6 +36,13 @@ module Increase
         end
         attr_writer :bank
 
+        # The maximum extendable credit of the program being added.
+        sig { returns(T.nilable(Integer)) }
+        attr_reader :lending_maximum_extendable_credit
+
+        sig { params(lending_maximum_extendable_credit: Integer).void }
+        attr_writer :lending_maximum_extendable_credit
+
         # The identifier of the Account the Program should be added to is for.
         sig { returns(T.nilable(String)) }
         attr_reader :reserve_account_id
@@ -47,6 +54,7 @@ module Increase
           params(
             name: String,
             bank: Increase::Simulations::ProgramCreateParams::Bank::OrSymbol,
+            lending_maximum_extendable_credit: Integer,
             reserve_account_id: String,
             request_options: Increase::RequestOptions::OrHash
           ).returns(T.attached_class)
@@ -56,6 +64,8 @@ module Increase
           name:,
           # The bank for the program's accounts, defaults to First Internet Bank.
           bank: nil,
+          # The maximum extendable credit of the program being added.
+          lending_maximum_extendable_credit: nil,
           # The identifier of the Account the Program should be added to is for.
           reserve_account_id: nil,
           request_options: {}
@@ -67,6 +77,7 @@ module Increase
             {
               name: String,
               bank: Increase::Simulations::ProgramCreateParams::Bank::OrSymbol,
+              lending_maximum_extendable_credit: Integer,
               reserve_account_id: String,
               request_options: Increase::RequestOptions
             }

data/rbi/increase/resources/accounts.rbi

@@ -8,7 +8,9 @@ module Increase
         params(
           name: String,
           entity_id: String,
+          funding: Increase::AccountCreateParams::Funding::OrSymbol,
           informational_entity_id: String,
+          loan: Increase::AccountCreateParams::Loan::OrHash,
           program_id: String,
           request_options: Increase::RequestOptions::OrHash
         ).returns(Increase::Account)
@@ -18,9 +20,13 @@ module Increase
         name:,
         # The identifier for the Entity that will own the Account.
         entity_id: nil,
+        # Whether the Account is funded by a loan or by deposits.
+        funding: nil,
         # The identifier of an Entity that, while not owning the Account, is associated
         # with its activity. This is generally the beneficiary of the funds.
         informational_entity_id: nil,
+        # The loan details for the account.
+        loan: nil,
         # The identifier for the Program that this Account falls under. Required if you
         # operate more than one Program.
         program_id: nil,
@@ -46,6 +52,7 @@ module Increase
       sig do
         params(
           account_id: String,
+          loan: Increase::AccountUpdateParams::Loan::OrHash,
           name: String,
           request_options: Increase::RequestOptions::OrHash
         ).returns(Increase::Account)
@@ -53,6 +60,8 @@ module Increase
       def update(
         # The identifier of the Account to update.
         account_id,
+        # The loan details for the account.
+        loan: nil,
         # The new name of the Account.
         name: nil,
         request_options: {}

data/rbi/increase/resources/intrafi_exclusions.rbi

@@ -6,16 +6,19 @@ module Increase
       # Create an IntraFi Exclusion
       sig do
         params(
-          bank_name: String,
           entity_id: String,
+          fdic_certificate_number: String,
           request_options: Increase::RequestOptions::OrHash
         ).returns(Increase::IntrafiExclusion)
       end
       def create(
-        # The name of the financial institution to be excluded.
-        bank_name:,
         # The identifier of the Entity whose deposits will be excluded.
         entity_id:,
+        # The FDIC certificate number of the financial institution to be excluded. An FDIC
+        # certificate number uniquely identifies a financial institution, and is different
+        # than a routing number. To find one, we recommend searching by Bank Name using
+        # the [FDIC's bankfind tool](https://banks.data.fdic.gov/bankfind-suite/bankfind).
+        fdic_certificate_number:,
         request_options: {}
       )
       end

data/rbi/increase/resources/simulations/programs.rbi

@@ -12,6 +12,7 @@ module Increase
           params(
             name: String,
             bank: Increase::Simulations::ProgramCreateParams::Bank::OrSymbol,
+            lending_maximum_extendable_credit: Integer,
             reserve_account_id: String,
             request_options: Increase::RequestOptions::OrHash
           ).returns(Increase::Program)
@@ -21,6 +22,8 @@ module Increase
           name:,
           # The bank for the program's accounts, defaults to First Internet Bank.
           bank: nil,
+          # The maximum extendable credit of the program being added.
+          lending_maximum_extendable_credit: nil,
           # The identifier of the Account the Program should be added to is for.
           reserve_account_id: nil,
           request_options: {}

data/sig/increase/models/account.rbs

@@ -9,11 +9,13 @@ module Increase
         created_at: Time,
         currency: Increase::Models::Account::currency,
         entity_id: String,
+        funding: Increase::Models::Account::funding?,
         idempotency_key: String?,
         informational_entity_id: String?,
         interest_accrued: String,
         interest_accrued_at: Date?,
         interest_rate: String,
+        loan: Increase::Account::Loan?,
         name: String,
         program_id: String,
         status: Increase::Models::Account::status,
@@ -35,6 +37,8 @@ module Increase
 
       attr_accessor entity_id: String
 
+      attr_accessor funding: Increase::Models::Account::funding?
+
       attr_accessor idempotency_key: String?
 
       attr_accessor informational_entity_id: String?
@@ -45,6 +49,8 @@ module Increase
 
       attr_accessor interest_rate: String
 
+      attr_accessor loan: Increase::Account::Loan?
+
       attr_accessor name: String
 
       attr_accessor program_id: String
@@ -61,11 +67,13 @@ module Increase
         created_at: Time,
         currency: Increase::Models::Account::currency,
         entity_id: String,
+        funding: Increase::Models::Account::funding?,
         idempotency_key: String?,
         informational_entity_id: String?,
         interest_accrued: String,
         interest_accrued_at: Date?,
         interest_rate: String,
+        loan: Increase::Account::Loan?,
         name: String,
         program_id: String,
         status: Increase::Models::Account::status,
@@ -80,11 +88,13 @@ module Increase
         created_at: Time,
         currency: Increase::Models::Account::currency,
         entity_id: String,
+        funding: Increase::Models::Account::funding?,
         idempotency_key: String?,
         informational_entity_id: String?,
         interest_accrued: String,
         interest_accrued_at: Date?,
         interest_rate: String,
+        loan: Increase::Account::Loan?,
         name: String,
         program_id: String,
         status: Increase::Models::Account::status,
@@ -119,6 +129,71 @@ module Increase
         def self?.values: -> ::Array[Increase::Models::Account::currency]
       end
 
+      type funding = :loan | :deposits
+
+      module Funding
+        extend Increase::Internal::Type::Enum
+
+        # An account funded by a loan. Before opening a loan account, contact support@increase.com to set up a loan program.
+        LOAN: :loan
+
+        # An account funded by deposits.
+        DEPOSITS: :deposits
+
+        def self?.values: -> ::Array[Increase::Models::Account::funding]
+      end
+
+      type loan =
+        {
+          credit_limit: Integer,
+          grace_period_days: Integer,
+          maturity_date: Date?,
+          statement_day_of_month: Integer,
+          statement_payment_type: Increase::Models::Account::Loan::statement_payment_type
+        }
+
+      class Loan < Increase::Internal::Type::BaseModel
+        attr_accessor credit_limit: Integer
+
+        attr_accessor grace_period_days: Integer
+
+        attr_accessor maturity_date: Date?
+
+        attr_accessor statement_day_of_month: Integer
+
+        attr_accessor statement_payment_type: Increase::Models::Account::Loan::statement_payment_type
+
+        def initialize: (
+          credit_limit: Integer,
+          grace_period_days: Integer,
+          maturity_date: Date?,
+          statement_day_of_month: Integer,
+          statement_payment_type: Increase::Models::Account::Loan::statement_payment_type
+        ) -> void
+
+        def to_hash: -> {
+          credit_limit: Integer,
+          grace_period_days: Integer,
+          maturity_date: Date?,
+          statement_day_of_month: Integer,
+          statement_payment_type: Increase::Models::Account::Loan::statement_payment_type
+        }
+
+        type statement_payment_type = :balance | :interest_until_maturity
+
+        module StatementPaymentType
+          extend Increase::Internal::Type::Enum
+
+          # The borrower must pay the full balance of the loan at the end of the statement period.
+          BALANCE: :balance
+
+          # The borrower must pay the accrued interest at the end of the statement period.
+          INTEREST_UNTIL_MATURITY: :interest_until_maturity
+
+          def self?.values: -> ::Array[Increase::Models::Account::Loan::statement_payment_type]
+        end
+      end
+
       type status = :closed | :open
 
       module Status

data/sig/increase/models/account_create_params.rbs

@@ -4,7 +4,9 @@ module Increase
       {
         name: String,
         entity_id: String,
+        funding: Increase::Models::AccountCreateParams::funding,
         informational_entity_id: String,
+        loan: Increase::AccountCreateParams::Loan,
         program_id: String
       }
       & Increase::Internal::Type::request_parameters
@@ -19,10 +21,22 @@ module Increase
 
       def entity_id=: (String) -> String
 
+      attr_reader funding: Increase::Models::AccountCreateParams::funding?
+
+      def funding=: (
+        Increase::Models::AccountCreateParams::funding
+      ) -> Increase::Models::AccountCreateParams::funding
+
       attr_reader informational_entity_id: String?
 
       def informational_entity_id=: (String) -> String
 
+      attr_reader loan: Increase::AccountCreateParams::Loan?
+
+      def loan=: (
+        Increase::AccountCreateParams::Loan
+      ) -> Increase::AccountCreateParams::Loan
+
       attr_reader program_id: String?
 
       def program_id=: (String) -> String
@@ -30,7 +44,9 @@ module Increase
       def initialize: (
         name: String,
         ?entity_id: String,
+        ?funding: Increase::Models::AccountCreateParams::funding,
         ?informational_entity_id: String,
+        ?loan: Increase::AccountCreateParams::Loan,
         ?program_id: String,
         ?request_options: Increase::request_opts
       ) -> void
@@ -38,10 +54,79 @@ module Increase
       def to_hash: -> {
         name: String,
         entity_id: String,
+        funding: Increase::Models::AccountCreateParams::funding,
         informational_entity_id: String,
+        loan: Increase::AccountCreateParams::Loan,
         program_id: String,
         request_options: Increase::RequestOptions
       }
+
+      type funding = :loan | :deposits
+
+      module Funding
+        extend Increase::Internal::Type::Enum
+
+        # An account funded by a loan. Before opening a loan account, contact support@increase.com to set up a loan program.
+        LOAN: :loan
+
+        # An account funded by deposits.
+        DEPOSITS: :deposits
+
+        def self?.values: -> ::Array[Increase::Models::AccountCreateParams::funding]
+      end
+
+      type loan =
+        {
+          credit_limit: Integer,
+          grace_period_days: Integer,
+          statement_day_of_month: Integer,
+          statement_payment_type: Increase::Models::AccountCreateParams::Loan::statement_payment_type,
+          maturity_date: Date
+        }
+
+      class Loan < Increase::Internal::Type::BaseModel
+        attr_accessor credit_limit: Integer
+
+        attr_accessor grace_period_days: Integer
+
+        attr_accessor statement_day_of_month: Integer
+
+        attr_accessor statement_payment_type: Increase::Models::AccountCreateParams::Loan::statement_payment_type
+
+        attr_reader maturity_date: Date?
+
+        def maturity_date=: (Date) -> Date
+
+        def initialize: (
+          credit_limit: Integer,
+          grace_period_days: Integer,
+          statement_day_of_month: Integer,
+          statement_payment_type: Increase::Models::AccountCreateParams::Loan::statement_payment_type,
+          ?maturity_date: Date
+        ) -> void
+
+        def to_hash: -> {
+          credit_limit: Integer,
+          grace_period_days: Integer,
+          statement_day_of_month: Integer,
+          statement_payment_type: Increase::Models::AccountCreateParams::Loan::statement_payment_type,
+          maturity_date: Date
+        }
+
+        type statement_payment_type = :balance | :interest_until_maturity
+
+        module StatementPaymentType
+          extend Increase::Internal::Type::Enum
+
+          # The borrower must pay the full balance of the loan at the end of the statement period.
+          BALANCE: :balance
+
+          # The borrower must pay the accrued interest at the end of the statement period.
+          INTEREST_UNTIL_MATURITY: :interest_until_maturity
+
+          def self?.values: -> ::Array[Increase::Models::AccountCreateParams::Loan::statement_payment_type]
+        end
+      end
     end
   end
 end

data/sig/increase/models/account_statement.rbs

@@ -7,6 +7,7 @@ module Increase
         created_at: Time,
         ending_balance: Integer,
         file_id: String,
+        loan: Increase::AccountStatement::Loan?,
         starting_balance: Integer,
         statement_period_end: Time,
         statement_period_start: Time,
@@ -24,6 +25,8 @@ module Increase
 
       attr_accessor file_id: String
 
+      attr_accessor loan: Increase::AccountStatement::Loan?
+
       attr_accessor starting_balance: Integer
 
       attr_accessor statement_period_end: Time
@@ -38,6 +41,7 @@ module Increase
         created_at: Time,
         ending_balance: Integer,
         file_id: String,
+        loan: Increase::AccountStatement::Loan?,
         starting_balance: Integer,
         statement_period_end: Time,
         statement_period_start: Time,
@@ -50,12 +54,36 @@ module Increase
         created_at: Time,
         ending_balance: Integer,
         file_id: String,
+        loan: Increase::AccountStatement::Loan?,
         starting_balance: Integer,
         statement_period_end: Time,
         statement_period_start: Time,
         type: Increase::Models::AccountStatement::type_
       }
 
+      type loan =
+        { due_at: Time?, due_balance: Integer, past_due_balance: Integer }
+
+      class Loan < Increase::Internal::Type::BaseModel
+        attr_accessor due_at: Time?
+
+        attr_accessor due_balance: Integer
+
+        attr_accessor past_due_balance: Integer
+
+        def initialize: (
+          due_at: Time?,
+          due_balance: Integer,
+          past_due_balance: Integer
+        ) -> void
+
+        def to_hash: -> {
+          due_at: Time?,
+          due_balance: Integer,
+          past_due_balance: Integer
+        }
+      end
+
       type type_ = :account_statement
 
       module Type