Promissory notes API
Notes originate through a compliance gate that cites the governing state’s rules, generate a fingerprinted instrument with the clause library, collect e-signature with the ACH rider, refuse funds release on any hash mismatch, and then service themselves:
| Family | api-assets-promissory-notes |
|---|---|
| Scope | Assets |
| Authorization | Grant-based, deny by default — see authentication |
| Full catalog | API reference, with the OpenAPI document generated from the code |
What this family enforces
- Amortization to the cent
- Authorized-debit collection
- Delinquency monitoring with borrower-first notices
- Modification and payoff operations
These are constraints the platform applies, not options a caller can switch off. Availability still depends on the operating institution’s authority and configuration — resolve it at runtime with GET https://api.a8core.io/v1/account-types rather than hard-coding it.
Platform laws
Every operation in this family obeys the same five rules as the rest of the platform.
| Law | What it means here |
|---|---|
| Grant-based, deny by default | Every operation is authorized against an explicit grant. Absence of a grant is a denial, not a fallback. |
| Idempotency keys on writes | Every write carries an idempotency key, so a retried request settles once rather than twice. |
| The Create/Update naming standard | Operations are named for what they do to the record, and each Create has the Update that pairs with it. |
| Decision records with policy identifiers | Each decision is written down with the policy that produced it, so an outcome can be explained later. |
| Statements that tie out before they publish | A statement is not published until it reconciles. A statement that does not tie out does not go out. |
Operations
The operations below are the documented entry points for this family. The API reference carries the full contract for each, and the OpenAPI document is generated from the code rather than written by hand.
Writes are idempotent: send an idempotency key and a retry settles once. State changes emit events — see webhooks and webhook keys.