Ledger created

When to use it? To notify Toqio whenever a new ledger has been created on the banking provider. The payload carries the full ledger profile (identity, type, provider configuration, currency, country, balances and banking identifiers) and the business it belongs to, so Toqio can register the ledger against the right customer and merchant.

Default Behavior: createdAt defaults to the current date when it is not provided. availableBalance and currentBalance default to 0.0. The credit fields (creditLimit, availableCredit, currentCreditBalance, pendingAuthorizations) only apply to CREDIT ledgers. interestAccrued and feesAccrued are optional even on a CREDIT ledger and are never defaulted to zero.

webhookType: LEDGER_CREATED

model:

{
    "ledgerProfile": {                                  // Required. Complete ledger profile
        "ledgerId": "string",                           // Required. Unique identifier of the ledger
        "alias": "string",                              // Required. Alias or descriptive name of the ledger
        "ledgerType": "string",                         // Required. REGULAR | ACQUIRING | DEPOSIT | CREDIT
        "ledgerAttributes": ["string"],                 // Optional. Unique values: MAIN | EXTERNALLY_MANAGED | CARD_ISSUING_RESTRICTED
        "createdAt": "date-time",                       // Optional, nullable. Creation date on the provider (ISO 8601). Defaults to now
        "bankingProvider": "string",                    // Required. Banking provider associated with the ledger
        "status": "string",                             // Required. CLOSED | ACTIVE | PENDING | HIDE | QUARANTINE | FAILED | SUSPENDED
        "assetType": "string",                          // Required. Lowercase ISO 4217 currency code, e.g. eur, gbp, usd (see supported list below)
        "countryCode": "string",                        // Required. ISO 3166-1 alpha-2 country code
        "availableBalance": number,                     // Optional, nullable. Available balance. Defaults to 0.0
        "currentBalance": number,                       // Optional, nullable. Total ledger balance, persisted as the account balance. Defaults to 0.0
        "creditLimit": number,                          // Optional, nullable. CREDIT only. Total credit limit reported by the provider
        "availableCredit": number,                      // Optional, nullable. CREDIT only. Credit still available to spend, as reported by the provider
        "currentCreditBalance": number,                 // Optional, nullable. CREDIT only. Outstanding debt posted against the credit line. May be negative
        "pendingAuthorizations": number,                // Optional, nullable. CREDIT only. Total value of authorizations pending settlement
        "interestAccrued": number,                      // Optional, nullable. Interest accrued and not yet billed
        "feesAccrued": number,                          // Optional, nullable. Fees accrued and not yet billed
        "partnerProduct": "string",                     // Required. Partner product associated with the ledger
        "ledgerNetworkIdentifiers": [                   // Optional. Banking identifiers, at most one per type
            {
                "type": "string",                       // Required. IBAN | BIC_SWIFT | LOCAL_ACCOUNT_NUMBER | SORT_CODE | FEDWIRE_ROUTING_NUMBER | ACH_ROUTING_NUMBER
                "value": "string"                       // Required. Identifier value
            }
        ]
    },
    "businessProfile": {                                // Required. Business ownership of the ledger
        "customer": "string",                           // Required. Toqio identifier of the merchant's customer
        "merchantId": "string"                          // Required. Toqio identifier of the merchant that owns the ledger
    }
}

Supported assetType values: aud, chf, cad, sek, usd, nok, jpy, nzd, gbp, eur, czk, dkk, huf, pln, ron, ils, rub, bhd, sar, bgn, kes, sgd, kwd, zar, cny, myr, hrk, mxn, thb, try, omr, ugx, hkd, php, aed, inr, qar, idr.

Required string fields must not be empty.

example (regular ledger):

{
    "ledgerProfile": {
        "ledgerId": "a3f1c2d4-5b6e-4f70-8a91-b2c3d4e5f601",
        "alias": "Main EUR account",
        "ledgerType": "REGULAR",
        "ledgerAttributes": ["MAIN"],
        "createdAt": "2026-10-21T09:15:00Z",
        "bankingProvider": "MYBANK",
        "status": "ACTIVE",
        "assetType": "eur",
        "countryCode": "ES",
        "availableBalance": 0.0,
        "currentBalance": 0.0,
        "partnerProduct": "GBP_ACCOUNT",
        "ledgerNetworkIdentifiers": [
            { "type": "IBAN", "value": "ES9121000418450200051332" },
            { "type": "BIC_SWIFT", "value": "CAIXESBBXXX" }
        ]
    },
    "businessProfile": {
        "customer": "6286623e-74e5-4f02-ae80-13c3e586a859",
        "merchantId": "9b1d7c3e-2f4a-4e8b-a6c5-1d2e3f4a5b6c"
    }
}

example (credit ledger):

{
    "ledgerProfile": {
        "ledgerId": "c7e2a9b1-3d4f-4a5b-9c6d-7e8f9a0b1c2d",
        "alias": "Corporate credit line",
        "ledgerType": "CREDIT",
        "ledgerAttributes": ["EXTERNALLY_MANAGED"],
        "createdAt": "2026-10-21T09:15:00Z",
        "bankingProvider": "MYBANK",
        "status": "ACTIVE",
        "assetType": "gbp",
        "countryCode": "GB",
        "availableBalance": 4250.00,
        "currentBalance": -750.00,
        "creditLimit": 5000.00,
        "availableCredit": 4250.00,
        "currentCreditBalance": 700.00,
        "pendingAuthorizations": 50.00,
        "interestAccrued": 3.12,
        "feesAccrued": null,
        "partnerProduct": "CORPORATE_CREDIT",
        "ledgerNetworkIdentifiers": [
            { "type": "LOCAL_ACCOUNT_NUMBER", "value": "31926819" },
            { "type": "SORT_CODE", "value": "601613" }
        ]
    },
    "businessProfile": {
        "customer": "6286623e-74e5-4f02-ae80-13c3e586a859",
        "merchantId": "9b1d7c3e-2f4a-4e8b-a6c5-1d2e3f4a5b6c"
    }
}