Connect your house website to Equitaria’s financial services.

Every browser request must come from an active registered origin. Reserve Connect identifies the house from that origin, validates the signed-in customer and completed two-factor session, then limits all data to that customer at that house.

Sign in with email and password, complete the TOTP challenge, then include the access token. Sensitive reveals require a fresh TOTP code.

Authorization: Bearer <customer-session>
Origin: https://your-registered-house.example

<script src="https://connect.equitaria.org/sdk/reserve-connect.js"></script>
<script>
  const connect = ReserveConnect.create();
  await connect.signIn(email, password);
  await connect.completeTwoFactor(factorId, challengeId, code);
  const accounts = await connect.getAccounts();
</script>

getMe()  getAccounts()  getTransactions(id, { limit, before })
getCards()  revealCard(id, factorId, code)
freezeCard(id)  unfreezeCard(id)  setPin(id, pin)
requestVerification({ kind, name, number, charter_type })
apply({ owner_type, business_profile_id })
getSwitchCode(accountId, factorId, code)
switchHouse(switchCode, toAccountId, factorId, code)
closeAccount(accountId, factorId, code)
getHoldings()  moveHolding(holdingId, toAccountId, factorId, code)
reportLostCard(id, "lost" | "stolen", details)
fileClaim({ account_id, transaction_id, claim_type, amount_cents, description })
getClaims()  appealClaim(id, reason)

The kit renders no interface and applies no styles. Your house owns the complete customer experience.

Endpoints

Switching and closing

• Customers can always leave. A house can never keep, reduce, charge a fee on, or block a closing or switching balance.
• A Switch Code is shown only to the account holder, after two-factor — never to house staff. It can be used once, expires after 7 days, and creating a new code cancels the old one.
• The receiving account must belong to the same verified person (same EN) or business (same ECN). The full balance moves in one step; the old account closes, its cards are cancelled, and the old house is notified afterward.
• Closing moves any balance to a Reserve holding account in the customer's name, with no fees or expiry. Holding balances can be moved to an account at any licensed house at any time.
• A Reserve freeze blocks switching and closing; a house freeze does not.

// Old house site
const { switch_code } = await connect.getSwitchCode(accountId, factorId, code);
// New house site
await connect.switchHouse(switch_code, newAccountId, factorId, code);

Claims (EFPA)

• Under the Equitaria Financial Protection Act, the chartered institution handles every customer claim. The Quiva network later carries out chargebacks but never decides claims.
• Customers may file within 60 days of a transaction. The institution must acknowledge within 10 days and decide within 45 days; late claims are flagged to the Royal Reserve.
• Approved merchant disputes create a chargeback request waiting for the Quiva network. If the institution was at fault, it compensates the customer from its own operating account; if it cannot, the claim is escalated to the Royal Reserve.
• Recovery order: the wrongdoer, then the institution if at fault, then its bond, then EFPS. EFPS covers harm caused by an institution's misconduct that it cannot make right — never ordinary third-party fraud where the institution did nothing wrong.
• Report lost or stolen cards promptly: the card freezes at once and the report time is recorded, because customer liability depends on prompt reporting.
• Customers may appeal a decision to the Royal Reserve within 30 days.

await connect.fileClaim({ account_id, transaction_id, claim_type: "unauthorized", amount_cents: 2500, description: "I did not make this payment." });
const claims = await connect.getClaims();

Marketing rules

Every licensed institution must follow these rules on its website, apps, and materials.

Never use these words or phrases:

Approved disclosure

Institutions in good standing may display “Bonded, EFPS”, and must always include this line with it:

EFPS is not insurance and is not affiliated with the FDIC or any government outside Equitaria.

Do not show the Reserve Connect logo or name on your customer-facing pages.

Errors and limits

Errors use a stable JSON shape. Limit responses include a retry interval. Authentication and sensitive card actions use stricter limits than general reads.

{ "error": { "code": "rate_limited", "message": "Try again later.", "retry_after": 900 } }