curl --request POST \
  --url https://api.pramaan.dev/v1/capabilities/finance.credit-subject.create \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "endUserRef": "user-1",
  "consent": true,
  "purpose": "extension-of-credit",
  "firstName": "Alex",
  "lastName": "Example",
  "dateOfBirth": "1990-01-01",
  "emails": [
    "alex@example.com"
  ],
  "phones": [
    "+14155550101"
  ],
  "address": {
    "street": "1 Example Street",
    "city": "Example City",
    "region": "CA",
    "postalCode": "90001",
    "country": "US"
  }
}
'

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    endUserRef: 'user-1',
    consent: true,
    purpose: 'extension-of-credit',
    firstName: 'Alex',
    lastName: 'Example',
    dateOfBirth: '1990-01-01',
    emails: ['alex@example.com'],
    phones: ['+14155550101'],
    address: {
      street: '1 Example Street',
      city: 'Example City',
      region: 'CA',
      postalCode: '90001',
      country: 'US'
    }
  })
};

fetch('https://api.pramaan.dev/v1/capabilities/finance.credit-subject.create', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.pramaan.dev/v1/capabilities/finance.credit-subject.create"

payload = {
    "endUserRef": "user-1",
    "consent": True,
    "purpose": "extension-of-credit",
    "firstName": "Alex",
    "lastName": "Example",
    "dateOfBirth": "1990-01-01",
    "emails": ["alex@example.com"],
    "phones": ["+14155550101"],
    "address": {
        "street": "1 Example Street",
        "city": "Example City",
        "region": "CA",
        "postalCode": "90001",
        "country": "US"
    }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "status": "active",
  "ref": "<string>"
}

{
  "error": {
    "code": "addendum_required",
    "message": "<string>",
    "next": "<string>",
    "request_id": "<string>",
    "retryable": true,
    "effect": "none",
    "slot": "<string>",
    "required_micro": 123,
    "reason": "balance",
    "plan": "<string>",
    "needs": [
      {
        "kind": "approval",
        "detail": "<string>",
        "step": "<string>"
      }
    ]
  }
}