lithic 0.12.0 → 0.14.0

data/lib/lithic/models/reports/settlement/network_total_list_params.rb

@@ -112,6 +112,7 @@ module Lithic
           module Network
             extend Lithic::Internal::Type::Enum
 
+            AMEX = :AMEX
             VISA = :VISA
             MASTERCARD = :MASTERCARD
             MAESTRO = :MAESTRO

data/lib/lithic/models/settlement_detail.rb

@@ -49,7 +49,8 @@ module Lithic
       required :disputes_gross_amount, Integer
 
       # @!attribute event_tokens
-      #   Globally unique identifiers denoting the Events associated with this settlement.
+      #   Array of globally unique identifiers for the financial events that comprise this
+      #   settlement. Use these tokens to access detailed event-level information.
       #
       #   @return [Array<String>]
       required :event_tokens, Lithic::Internal::Type::ArrayOf[String]
@@ -106,7 +107,12 @@ module Lithic
       required :settlement_date, String
 
       # @!attribute transaction_token
-      #   Globally unique identifier denoting the associated Transaction object.
+      #   Globally unique identifier denoting the associated transaction. For settlement
+      #   records with type `CLEARING`, `FINANCIAL`, or `NON-FINANCIAL`, this references a
+      #   card transaction token. For settlement records with type `CHARGEBACK`,
+      #   `REPRESENTMENT`, `PREARBITRATION`, `ARBITRATION`, or `COLLABORATION`, this
+      #   references the dispute transaction token. May be null for certain settlement
+      #   types.
       #
       #   @return [String]
       required :transaction_token, String
@@ -154,7 +160,7 @@ module Lithic
       #
       #   @param disputes_gross_amount [Integer] The total gross amount of disputes settlements.
       #
-      #   @param event_tokens [Array<String>] Globally unique identifiers denoting the Events associated with this settlement.
+      #   @param event_tokens [Array<String>] Array of globally unique identifiers for the financial events that comprise this
       #
       #   @param institution [String] The most granular ID the network settles with (e.g., ICA for Mastercard, FTSRE f
       #
@@ -172,7 +178,7 @@ module Lithic
       #
       #   @param settlement_date [String] Date of when money movement is triggered for the transaction. One exception appl
       #
-      #   @param transaction_token [String] Globally unique identifier denoting the associated Transaction object.
+      #   @param transaction_token [String] Globally unique identifier denoting the associated transaction. For settlement r
       #
       #   @param transactions_gross_amount [Integer] The total amount of settlement impacting transactions (excluding interchange, fe
       #
@@ -188,6 +194,7 @@ module Lithic
       module Network
         extend Lithic::Internal::Type::Enum
 
+        AMEX = :AMEX
         INTERLINK = :INTERLINK
         MAESTRO = :MAESTRO
         MASTERCARD = :MASTERCARD

data/lib/lithic/models/settlement_summary_details.rb

@@ -80,6 +80,7 @@ module Lithic
       module Network
         extend Lithic::Internal::Type::Enum
 
+        AMEX = :AMEX
         INTERLINK = :INTERLINK
         MAESTRO = :MAESTRO
         MASTERCARD = :MASTERCARD

data/lib/lithic/models/signals_response.rb

@@ -0,0 +1,306 @@
+# frozen_string_literal: true
+
+module Lithic
+  module Models
+    class SignalsResponse < Lithic::Internal::Type::BaseModel
+      # @!attribute approved_txn_amount_m2
+      #   The Welford M2 accumulator for lifetime approved transaction amounts. Used
+      #   together with `avg_transaction_amount` and `approved_txn_count` to compute the
+      #   z-score of a new transaction amount (variance = M2 / (count - 1)).
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2, Float, nil?: true
+
+      # @!attribute approved_txn_amount_m2_30d
+      #   The Welford M2 accumulator for approved transaction amounts over the last 30
+      #   days.
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2_30d, Float, nil?: true
+
+      # @!attribute approved_txn_amount_m2_7d
+      #   The Welford M2 accumulator for approved transaction amounts over the last 7
+      #   days.
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2_7d, Float, nil?: true
+
+      # @!attribute approved_txn_amount_m2_90d
+      #   The Welford M2 accumulator for approved transaction amounts over the last 90
+      #   days.
+      #
+      #   @return [Float, nil]
+      required :approved_txn_amount_m2_90d, Float, nil?: true
+
+      # @!attribute approved_txn_count
+      #   The total number of approved transactions over the entity's lifetime.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count, Integer, nil?: true
+
+      # @!attribute approved_txn_count_30d
+      #   The number of approved transactions in the last 30 days.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count_30d, Integer, nil?: true
+
+      # @!attribute approved_txn_count_7d
+      #   The number of approved transactions in the last 7 days.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count_7d, Integer, nil?: true
+
+      # @!attribute approved_txn_count_90d
+      #   The number of approved transactions in the last 90 days.
+      #
+      #   @return [Integer, nil]
+      required :approved_txn_count_90d, Integer, nil?: true
+
+      # @!attribute avg_transaction_amount
+      #   The average approved transaction amount over the entity's lifetime, in cents.
+      #   Null if fewer than 5 approved transactions have been recorded.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount, Float, nil?: true
+
+      # @!attribute avg_transaction_amount_30d
+      #   The average approved transaction amount over the last 30 days, in cents. Null if
+      #   fewer than 5 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount_30d, Float, nil?: true
+
+      # @!attribute avg_transaction_amount_7d
+      #   The average approved transaction amount over the last 7 days, in cents. Null if
+      #   fewer than 5 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount_7d, Float, nil?: true
+
+      # @!attribute avg_transaction_amount_90d
+      #   The average approved transaction amount over the last 90 days, in cents. Null if
+      #   fewer than 5 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :avg_transaction_amount_90d, Float, nil?: true
+
+      # @!attribute distinct_country_count
+      #   The number of distinct merchant countries seen in the entity's transaction
+      #   history.
+      #
+      #   @return [Integer, nil]
+      required :distinct_country_count, Integer, nil?: true
+
+      # @!attribute distinct_mcc_count
+      #   The number of distinct MCCs seen in the entity's transaction history.
+      #
+      #   @return [Integer, nil]
+      required :distinct_mcc_count, Integer, nil?: true
+
+      # @!attribute first_txn_at
+      #   The timestamp of the first approved transaction for the entity, in ISO 8601
+      #   format.
+      #
+      #   @return [Time, nil]
+      required :first_txn_at, Time, nil?: true
+
+      # @!attribute is_first_transaction
+      #   Whether the entity has no prior transaction history. Returns true if no history
+      #   is found. Null if transaction history exists but a first transaction timestamp
+      #   is unavailable.
+      #
+      #   @return [Boolean, nil]
+      required :is_first_transaction, Lithic::Internal::Type::Boolean, nil?: true
+
+      # @!attribute last_cp_country
+      #   The merchant country of the last card-present transaction.
+      #
+      #   @return [String, nil]
+      required :last_cp_country, String, nil?: true
+
+      # @!attribute last_cp_postal_code
+      #   The merchant postal code of the last card-present transaction.
+      #
+      #   @return [String, nil]
+      required :last_cp_postal_code, String, nil?: true
+
+      # @!attribute last_cp_timestamp
+      #   The timestamp of the last card-present transaction, in ISO 8601 format.
+      #
+      #   @return [Time, nil]
+      required :last_cp_timestamp, Time, nil?: true
+
+      # @!attribute last_txn_approved_at
+      #   The timestamp of the most recent approved transaction for the entity, in ISO
+      #   8601 format.
+      #
+      #   @return [Time, nil]
+      required :last_txn_approved_at, Time, nil?: true
+
+      # @!attribute seen_countries
+      #   The set of merchant countries seen in the entity's transaction history. Clients
+      #   can use this to determine whether a new transaction's country is novel (i.e.
+      #   compute `is_new_country`).
+      #
+      #   @return [Array<String>, nil]
+      required :seen_countries, Lithic::Internal::Type::ArrayOf[String], nil?: true
+
+      # @!attribute seen_mccs
+      #   The set of MCCs seen in the entity's transaction history. Clients can use this
+      #   to determine whether a new transaction's MCC is novel (i.e. compute
+      #   `is_new_mcc`).
+      #
+      #   @return [Array<String>, nil]
+      required :seen_mccs, Lithic::Internal::Type::ArrayOf[String], nil?: true
+
+      # @!attribute seen_merchants
+      #   The set of card acceptor IDs seen in the card's approved transaction history,
+      #   capped at the 1000 most recently seen. Null for account responses. Clients can
+      #   use this to determine whether a new transaction's merchant is novel (i.e.
+      #   compute `is_new_merchant`).
+      #
+      #   @return [Array<String>, nil]
+      required :seen_merchants, Lithic::Internal::Type::ArrayOf[String], nil?: true
+
+      # @!attribute stdev_transaction_amount
+      #   The standard deviation of approved transaction amounts over the entity's
+      #   lifetime, in cents. Null if fewer than 30 approved transactions have been
+      #   recorded.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount, Float, nil?: true
+
+      # @!attribute stdev_transaction_amount_30d
+      #   The standard deviation of approved transaction amounts over the last 30 days, in
+      #   cents. Null if fewer than 30 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount_30d, Float, nil?: true
+
+      # @!attribute stdev_transaction_amount_7d
+      #   The standard deviation of approved transaction amounts over the last 7 days, in
+      #   cents. Null if fewer than 30 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount_7d, Float, nil?: true
+
+      # @!attribute stdev_transaction_amount_90d
+      #   The standard deviation of approved transaction amounts over the last 90 days, in
+      #   cents. Null if fewer than 30 approved transactions in window.
+      #
+      #   @return [Float, nil]
+      required :stdev_transaction_amount_90d, Float, nil?: true
+
+      # @!attribute three_ds_success_count
+      #   The number of successful 3DS authentications for the card. Null for account
+      #   responses.
+      #
+      #   @return [Integer, nil]
+      required :three_ds_success_count, Integer, nil?: true
+
+      # @!attribute three_ds_success_rate
+      #   The 3DS authentication success rate for the card, as a percentage from 0.0 to
+      #   100.0. Null for account responses.
+      #
+      #   @return [Float, nil]
+      required :three_ds_success_rate, Float, nil?: true
+
+      # @!attribute three_ds_total_count
+      #   The total number of 3DS authentication attempts for the card. Null for account
+      #   responses.
+      #
+      #   @return [Integer, nil]
+      required :three_ds_total_count, Integer, nil?: true
+
+      # @!attribute time_since_last_transaction_days
+      #   The number of days since the last approved transaction on the entity.
+      #
+      #   @return [Float, nil]
+      required :time_since_last_transaction_days, Float, nil?: true
+
+      # @!method initialize(approved_txn_amount_m2:, approved_txn_amount_m2_30d:, approved_txn_amount_m2_7d:, approved_txn_amount_m2_90d:, approved_txn_count:, approved_txn_count_30d:, approved_txn_count_7d:, approved_txn_count_90d:, avg_transaction_amount:, avg_transaction_amount_30d:, avg_transaction_amount_7d:, avg_transaction_amount_90d:, distinct_country_count:, distinct_mcc_count:, first_txn_at:, is_first_transaction:, last_cp_country:, last_cp_postal_code:, last_cp_timestamp:, last_txn_approved_at:, seen_countries:, seen_mccs:, seen_merchants:, stdev_transaction_amount:, stdev_transaction_amount_30d:, stdev_transaction_amount_7d:, stdev_transaction_amount_90d:, three_ds_success_count:, three_ds_success_rate:, three_ds_total_count:, time_since_last_transaction_days:)
+      #   Some parameter documentations has been truncated, see
+      #   {Lithic::Models::SignalsResponse} for more details.
+      #
+      #   Behavioral feature state for a card or account derived from its transaction
+      #   history.
+      #
+      #   Derived statistical features (averages, standard deviations, z-scores) are
+      #   computed using Welford's online algorithm over approved transactions. Average
+      #   fields are null when fewer than 5 approved transactions have been recorded.
+      #   Standard deviation fields are null when fewer than 30 approved transactions have
+      #   been recorded.
+      #
+      #   3DS fields (`three_ds_success_rate`, `three_ds_success_count`,
+      #   `three_ds_total_count`) are card-scoped and will be null for account responses.
+      #
+      #   Raw fields (`seen_countries`, `seen_mccs`, `approved_txn_amount_m2`, etc.) are
+      #   included so clients can compute their own transaction-specific derivations, such
+      #   as checking whether a new transaction's country is in `seen_countries` to
+      #   determine `is_new_country`, or computing a z-score using the raw mean and M2
+      #   values.
+      #
+      #   @param approved_txn_amount_m2 [Float, nil] The Welford M2 accumulator for lifetime approved transaction amounts. Used toget
+      #
+      #   @param approved_txn_amount_m2_30d [Float, nil] The Welford M2 accumulator for approved transaction amounts over the last 30 day
+      #
+      #   @param approved_txn_amount_m2_7d [Float, nil] The Welford M2 accumulator for approved transaction amounts over the last 7 days
+      #
+      #   @param approved_txn_amount_m2_90d [Float, nil] The Welford M2 accumulator for approved transaction amounts over the last 90 day
+      #
+      #   @param approved_txn_count [Integer, nil] The total number of approved transactions over the entity's lifetime.
+      #
+      #   @param approved_txn_count_30d [Integer, nil] The number of approved transactions in the last 30 days.
+      #
+      #   @param approved_txn_count_7d [Integer, nil] The number of approved transactions in the last 7 days.
+      #
+      #   @param approved_txn_count_90d [Integer, nil] The number of approved transactions in the last 90 days.
+      #
+      #   @param avg_transaction_amount [Float, nil] The average approved transaction amount over the entity's lifetime, in cents. Nu
+      #
+      #   @param avg_transaction_amount_30d [Float, nil] The average approved transaction amount over the last 30 days, in cents. Null if
+      #
+      #   @param avg_transaction_amount_7d [Float, nil] The average approved transaction amount over the last 7 days, in cents. Null if
+      #
+      #   @param avg_transaction_amount_90d [Float, nil] The average approved transaction amount over the last 90 days, in cents. Null if
+      #
+      #   @param distinct_country_count [Integer, nil] The number of distinct merchant countries seen in the entity's transaction histo
+      #
+      #   @param distinct_mcc_count [Integer, nil] The number of distinct MCCs seen in the entity's transaction history.
+      #
+      #   @param first_txn_at [Time, nil] The timestamp of the first approved transaction for the entity, in ISO 8601 form
+      #
+      #   @param is_first_transaction [Boolean, nil] Whether the entity has no prior transaction history. Returns true if no history
+      #
+      #   @param last_cp_country [String, nil] The merchant country of the last card-present transaction.
+      #
+      #   @param last_cp_postal_code [String, nil] The merchant postal code of the last card-present transaction.
+      #
+      #   @param last_cp_timestamp [Time, nil] The timestamp of the last card-present transaction, in ISO 8601 format.
+      #
+      #   @param last_txn_approved_at [Time, nil] The timestamp of the most recent approved transaction for the entity, in ISO 860
+      #
+      #   @param seen_countries [Array<String>, nil] The set of merchant countries seen in the entity's transaction history. Clients
+      #
+      #   @param seen_mccs [Array<String>, nil] The set of MCCs seen in the entity's transaction history. Clients can use this t
+      #
+      #   @param seen_merchants [Array<String>, nil] The set of card acceptor IDs seen in the card's approved transaction history, ca
+      #
+      #   @param stdev_transaction_amount [Float, nil] The standard deviation of approved transaction amounts over the entity's lifetim
+      #
+      #   @param stdev_transaction_amount_30d [Float, nil] The standard deviation of approved transaction amounts over the last 30 days, in
+      #
+      #   @param stdev_transaction_amount_7d [Float, nil] The standard deviation of approved transaction amounts over the last 7 days, in
+      #
+      #   @param stdev_transaction_amount_90d [Float, nil] The standard deviation of approved transaction amounts over the last 90 days, in
+      #
+      #   @param three_ds_success_count [Integer, nil] The number of successful 3DS authentications for the card. Null for account resp
+      #
+      #   @param three_ds_success_rate [Float, nil] The 3DS authentication success rate for the card, as a percentage from 0.0 to 10
+      #
+      #   @param three_ds_total_count [Integer, nil] The total number of 3DS authentication attempts for the card. Null for account r
+      #
+      #   @param time_since_last_transaction_days [Float, nil] The number of days since the last approved transaction on the entity.
+    end
+  end
+end

data/lib/lithic/models.rb

@@ -82,6 +82,8 @@ module Lithic
 
   AccountRetrieveParams = Lithic::Models::AccountRetrieveParams
 
+  AccountRetrieveSignalsParams = Lithic::Models::AccountRetrieveSignalsParams
+
   AccountRetrieveSpendLimitsParams = Lithic::Models::AccountRetrieveSpendLimitsParams
 
   AccountSpendLimits = Lithic::Models::AccountSpendLimits
@@ -176,6 +178,8 @@ module Lithic
 
   CardRetrieveParams = Lithic::Models::CardRetrieveParams
 
+  CardRetrieveSignalsParams = Lithic::Models::CardRetrieveSignalsParams
+
   CardRetrieveSpendLimitsParams = Lithic::Models::CardRetrieveSpendLimitsParams
 
   Cards = Lithic::Models::Cards
@@ -487,6 +491,8 @@ module Lithic
 
   ShippingAddress = Lithic::Models::ShippingAddress
 
+  SignalsResponse = Lithic::Models::SignalsResponse
+
   SpendLimitDuration = Lithic::Models::SpendLimitDuration
 
   StatementsCreatedWebhookEvent = Lithic::Models::StatementsCreatedWebhookEvent

data/lib/lithic/resources/accounts.rb

@@ -44,7 +44,7 @@ module Lithic
       #
       # @param state [Symbol, Lithic::Models::AccountUpdateParams::State] Account states.
       #
-      # @param substatus [Symbol, Lithic::Models::AccountUpdateParams::Substatus] Account state substatus values:
+      # @param substatus [Symbol, Lithic::Models::AccountUpdateParams::Substatus, nil] Account state substatus values:
       #
       # @param verification_address [Lithic::Models::AccountUpdateParams::VerificationAddress] Address used during Address Verification Service (AVS) checks during transaction
       #
@@ -99,6 +99,33 @@ module Lithic
         )
       end
 
+      # Returns behavioral feature state derived from an account's transaction history.
+      #
+      # These signals expose the same data used by behavioral rule attributes (e.g.
+      # `AMOUNT_Z_SCORE` with `scope: ACCOUNT`, `IS_NEW_COUNTRY` with `scope: ACCOUNT`)
+      # and custom code `TRANSACTION_HISTORY_SIGNALS` features, allowing clients to
+      # inspect feature values before writing rules and debug rule behavior.
+      #
+      # Note: 3DS fields are not available at the account scope and will be null.
+      #
+      # @overload retrieve_signals(account_token, request_options: {})
+      #
+      # @param account_token [String] The token of the account to fetch signals for.
+      #
+      # @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}, nil]
+      #
+      # @return [Lithic::Models::SignalsResponse]
+      #
+      # @see Lithic::Models::AccountRetrieveSignalsParams
+      def retrieve_signals(account_token, params = {})
+        @client.request(
+          method: :get,
+          path: ["v1/accounts/%1$s/signals", account_token],
+          model: Lithic::SignalsResponse,
+          options: params[:request_options]
+        )
+      end
+
       # Get an Account's available spend limits, which is based on the spend limit
       # configured on the Account and the amount already spent over the spend limit's
       # duration. For example, if the Account has a daily spend limit of $1000

data/lib/lithic/resources/auth_rules/v2.rb

@@ -144,7 +144,7 @@ module Lithic
         #
         # @param auth_rule_token [String]
         #
-        # @param parameters [Lithic::Models::AuthRules::ConditionalBlockParameters, Lithic::Models::AuthRules::VelocityLimitParams, Lithic::Models::AuthRules::MerchantLockParameters, Lithic::Models::AuthRules::Conditional3DSActionParameters, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters, Lithic::Models::AuthRules::ConditionalACHActionParameters, Lithic::Models::AuthRules::ConditionalTokenizationActionParameters, Lithic::Models::AuthRules::TypescriptCodeParameters, nil] Parameters for the Auth Rule
+        # @param parameters [Lithic::Models::AuthRules::ConditionalBlockParameters, Lithic::Models::AuthRules::VelocityLimitParams, Lithic::Models::AuthRules::MerchantLockParameters, Lithic::Models::AuthRules::Conditional3DSActionParameters, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters, Lithic::Models::AuthRules::ConditionalACHActionParameters, Lithic::Models::AuthRules::ConditionalTokenizationActionParameters, Lithic::Models::AuthRules::ConditionalCardTransactionUpdateActionParameters, Lithic::Models::AuthRules::TypescriptCodeParameters, nil] Parameters for the Auth Rule
         #
         # @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}, nil]
         #

data/lib/lithic/resources/cards.rb

@@ -404,6 +404,31 @@ module Lithic
         )
       end
 
+      # Returns behavioral feature state derived from a card's transaction history.
+      #
+      # These signals expose the same data used by behavioral rule attributes (e.g.
+      # `AMOUNT_Z_SCORE` with `scope: CARD`, `IS_NEW_COUNTRY` with `scope: CARD`) and
+      # custom code `TRANSACTION_HISTORY_SIGNALS` features, allowing clients to inspect
+      # feature values before writing rules and debug rule behavior.
+      #
+      # @overload retrieve_signals(card_token, request_options: {})
+      #
+      # @param card_token [String] The token of the card to fetch signals for.
+      #
+      # @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}, nil]
+      #
+      # @return [Lithic::Models::SignalsResponse]
+      #
+      # @see Lithic::Models::CardRetrieveSignalsParams
+      def retrieve_signals(card_token, params = {})
+        @client.request(
+          method: :get,
+          path: ["v1/cards/%1$s/signals", card_token],
+          model: Lithic::SignalsResponse,
+          options: params[:request_options]
+        )
+      end
+
       # Get a Card's available spend limit, which is based on the spend limit configured
       # on the Card and the amount already spent over the spend limit's duration. For
       # example, if the Card has a monthly spend limit of $1000 configured, and has

data/lib/lithic/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Lithic
-  VERSION = "0.12.0"
+  VERSION = "0.14.0"
 end

data/lib/lithic.rb

@@ -57,6 +57,7 @@ require_relative "lithic/internal/cursor_page"
 require_relative "lithic/internal/single_page"
 require_relative "lithic/models/merchant"
 require_relative "lithic/models/transaction"
+require_relative "lithic/models/auth_rules/velocity_limit_filters"
 require_relative "lithic/models/auth_rules/v2/backtest_results"
 require_relative "lithic/models/book_transfer_response"
 require_relative "lithic/models/non_pci_card"
@@ -108,6 +109,7 @@ require_relative "lithic/models/account_holder_upload_document_params"
 require_relative "lithic/models/account_holder_verification_webhook_event"
 require_relative "lithic/models/account_list_params"
 require_relative "lithic/models/account_retrieve_params"
+require_relative "lithic/models/account_retrieve_signals_params"
 require_relative "lithic/models/account_retrieve_spend_limits_params"
 require_relative "lithic/models/account_spend_limits"
 require_relative "lithic/models/account_update_params"
@@ -118,11 +120,13 @@ require_relative "lithic/models/auth_rules/auth_rule"
 require_relative "lithic/models/auth_rules/auth_rule_condition"
 require_relative "lithic/models/auth_rules/auth_rule_version"
 require_relative "lithic/models/auth_rules/backtest_stats"
+require_relative "lithic/models/auth_rules/card_transaction_update_action"
 require_relative "lithic/models/auth_rules/conditional_3ds_action_parameters"
 require_relative "lithic/models/auth_rules/conditional_ach_action_parameters"
 require_relative "lithic/models/auth_rules/conditional_attribute"
 require_relative "lithic/models/auth_rules/conditional_authorization_action_parameters"
 require_relative "lithic/models/auth_rules/conditional_block_parameters"
+require_relative "lithic/models/auth_rules/conditional_card_transaction_update_action_parameters"
 require_relative "lithic/models/auth_rules/conditional_operation"
 require_relative "lithic/models/auth_rules/conditional_tokenization_action_parameters"
 require_relative "lithic/models/auth_rules/conditional_value"
@@ -130,6 +134,7 @@ require_relative "lithic/models/auth_rules/event_stream"
 require_relative "lithic/models/auth_rules/merchant_lock_parameters"
 require_relative "lithic/models/auth_rules/report_stats"
 require_relative "lithic/models/auth_rules/rule_feature"
+require_relative "lithic/models/auth_rules/spend_velocity_filters"
 require_relative "lithic/models/auth_rules/typescript_code_parameters"
 require_relative "lithic/models/auth_rules/v2/backtest_create_params"
 require_relative "lithic/models/auth_rules/v2/backtest_create_response"
@@ -149,7 +154,6 @@ require_relative "lithic/models/auth_rules/v2_retrieve_params"
 require_relative "lithic/models/auth_rules/v2_retrieve_report_params"
 require_relative "lithic/models/auth_rules/v2_retrieve_report_response"
 require_relative "lithic/models/auth_rules/v2_update_params"
-require_relative "lithic/models/auth_rules/velocity_limit_filters"
 require_relative "lithic/models/auth_rules/velocity_limit_params"
 require_relative "lithic/models/auth_rules/velocity_limit_period"
 require_relative "lithic/models/auth_rules_backtest_report_created_webhook_event"
@@ -192,6 +196,7 @@ require_relative "lithic/models/card_reissue_params"
 require_relative "lithic/models/card_renewed_webhook_event"
 require_relative "lithic/models/card_renew_params"
 require_relative "lithic/models/card_retrieve_params"
+require_relative "lithic/models/card_retrieve_signals_params"
 require_relative "lithic/models/card_retrieve_spend_limits_params"
 require_relative "lithic/models/cards/balance_list_params"
 require_relative "lithic/models/cards/financial_transaction_list_params"
@@ -391,6 +396,7 @@ require_relative "lithic/models/settlement_detail"
 require_relative "lithic/models/settlement_report_updated_webhook_event"
 require_relative "lithic/models/settlement_summary_details"
 require_relative "lithic/models/shipping_address"
+require_relative "lithic/models/signals_response"
 require_relative "lithic/models/spend_limit_duration"
 require_relative "lithic/models/statements_created_webhook_event"
 require_relative "lithic/models/statement_totals"

data/rbi/lithic/models/account.rbi

@@ -101,10 +101,7 @@ module Lithic
       #   of the above categories. A comment should be provided to specify the
       #   particular reason.
       sig { returns(T.nilable(Lithic::Account::Substatus::TaggedSymbol)) }
-      attr_reader :substatus
-
-      sig { params(substatus: Lithic::Account::Substatus::OrSymbol).void }
-      attr_writer :substatus
+      attr_accessor :substatus
 
       sig { returns(T.nilable(Lithic::Account::VerificationAddress)) }
       attr_reader :verification_address
@@ -126,7 +123,7 @@ module Lithic
           auth_rule_tokens: T::Array[String],
           cardholder_currency: String,
           comment: String,
-          substatus: Lithic::Account::Substatus::OrSymbol,
+          substatus: T.nilable(Lithic::Account::Substatus::OrSymbol),
           verification_address: Lithic::Account::VerificationAddress::OrHash
         ).returns(T.attached_class)
       end
@@ -208,7 +205,7 @@ module Lithic
             auth_rule_tokens: T::Array[String],
             cardholder_currency: String,
             comment: String,
-            substatus: Lithic::Account::Substatus::TaggedSymbol,
+            substatus: T.nilable(Lithic::Account::Substatus::TaggedSymbol),
             verification_address: Lithic::Account::VerificationAddress
           }
         )

data/rbi/lithic/models/account_holder_simulate_enrollment_review_response.rbi

@@ -110,7 +110,7 @@ module Lithic
       sig { params(email: String).void }
       attr_writer :email
 
-      # The type of KYC exemption for a KYC-Exempt Account Holder. "None" if the account
+      # The type of KYC exemption for a KYC-Exempt Account Holder. `null` if the account
       # holder is not KYC-Exempt.
       sig do
         returns(
@@ -119,15 +119,7 @@ module Lithic
           )
         )
       end
-      attr_reader :exemption_type
-
-      sig do
-        params(
-          exemption_type:
-            Lithic::Models::AccountHolderSimulateEnrollmentReviewResponse::ExemptionType::OrSymbol
-        ).void
-      end
-      attr_writer :exemption_type
+      attr_accessor :exemption_type
 
       # Customer-provided token that indicates a relationship with an object outside of
       # the Lithic ecosystem.
@@ -301,7 +293,9 @@ module Lithic
           created: Time,
           email: String,
           exemption_type:
-            Lithic::Models::AccountHolderSimulateEnrollmentReviewResponse::ExemptionType::OrSymbol,
+            T.nilable(
+              Lithic::Models::AccountHolderSimulateEnrollmentReviewResponse::ExemptionType::OrSymbol
+            ),
           external_id: String,
           individual:
             Lithic::Models::AccountHolderSimulateEnrollmentReviewResponse::Individual::OrHash,
@@ -359,7 +353,7 @@ module Lithic
         # individual.phone_number when user_type == "INDIVIDUAL".) Primary email of
         # Account Holder.
         email: nil,
-        # The type of KYC exemption for a KYC-Exempt Account Holder. "None" if the account
+        # The type of KYC exemption for a KYC-Exempt Account Holder. `null` if the account
         # holder is not KYC-Exempt.
         exemption_type: nil,
         # Customer-provided token that indicates a relationship with an object outside of
@@ -420,7 +414,9 @@ module Lithic
             created: Time,
             email: String,
             exemption_type:
-              Lithic::Models::AccountHolderSimulateEnrollmentReviewResponse::ExemptionType::TaggedSymbol,
+              T.nilable(
+                Lithic::Models::AccountHolderSimulateEnrollmentReviewResponse::ExemptionType::TaggedSymbol
+              ),
             external_id: String,
             individual:
               Lithic::Models::AccountHolderSimulateEnrollmentReviewResponse::Individual,
@@ -850,7 +846,7 @@ module Lithic
         end
       end
 
-      # The type of KYC exemption for a KYC-Exempt Account Holder. "None" if the account
+      # The type of KYC exemption for a KYC-Exempt Account Holder. `null` if the account
       # holder is not KYC-Exempt.
       module ExemptionType
         extend Lithic::Internal::Type::Enum