curl --request POST \
  --url https://api.pramaan.dev/v1/capabilities/finance.consent-collection.create \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "ref": "ref_01ARZ3NDEKTSV4RRFFQ69G5FAV",
  "secondConsent": {
    "endUserId": "person-example",
    "mobile": "9999990001",
    "choiceKey": "choice_example",
    "consent": true,
    "reason": "Verify finances with permission",
    "dataRange": {
      "from": "2026-10-01T00:00:00Z",
      "to": "2026-10-02T00:00:00Z"
    },
    "financialTypes": [
      "DEPOSIT"
    ],
    "consentTypes": [
      "SUMMARY"
    ],
    "consentMode": "VIEW",
    "fetchType": "ONETIME",
    "frequency": {
      "unit": "DAY",
      "value": 1
    },
    "dataLife": {
      "unit": "DAY",
      "value": 1
    },
    "purpose": {
      "code": "101",
      "text": "Personal finance overview",
      "category": "finance",
      "referenceUrl": "https://example.com/purpose"
    },
    "required": false
  }
}
'

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    ref: 'ref_01ARZ3NDEKTSV4RRFFQ69G5FAV',
    secondConsent: {
      endUserId: 'person-example',
      mobile: '9999990001',
      choiceKey: 'choice_example',
      consent: true,
      reason: 'Verify finances with permission',
      dataRange: {from: '2026-10-01T00:00:00Z', to: '2026-10-02T00:00:00Z'},
      financialTypes: ['DEPOSIT'],
      consentTypes: ['SUMMARY'],
      consentMode: 'VIEW',
      fetchType: 'ONETIME',
      frequency: {unit: 'DAY', value: 1},
      dataLife: {unit: 'DAY', value: 1},
      purpose: {
        code: '101',
        text: 'Personal finance overview',
        category: 'finance',
        referenceUrl: 'https://example.com/purpose'
      },
      required: false
    }
  })
};

fetch('https://api.pramaan.dev/v1/capabilities/finance.consent-collection.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.consent-collection.create"

payload = {
    "ref": "ref_01ARZ3NDEKTSV4RRFFQ69G5FAV",
    "secondConsent": {
        "endUserId": "person-example",
        "mobile": "9999990001",
        "choiceKey": "choice_example",
        "consent": True,
        "reason": "Verify finances with permission",
        "dataRange": {
            "from": "2026-10-01T00:00:00Z",
            "to": "2026-10-02T00:00:00Z"
        },
        "financialTypes": ["DEPOSIT"],
        "consentTypes": ["SUMMARY"],
        "consentMode": "VIEW",
        "fetchType": "ONETIME",
        "frequency": {
            "unit": "DAY",
            "value": 1
        },
        "dataLife": {
            "unit": "DAY",
            "value": 1
        },
        "purpose": {
            "code": "101",
            "text": "Personal finance overview",
            "category": "finance",
            "referenceUrl": "https://example.com/purpose"
        },
        "required": False
    }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

{
  "connectUrl": "<string>",
  "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>"
      }
    ]
  }
}