How we built IndieBank.

// app/api/onboarding/route.ts
// 1) Create the operator's Dakota customer (idempotent).
const created = await dakota.customers.create({
  name: displayName,
  customer_type: "business",
  external_id: `indiebank_${user.id}`,
});
const customerId = created.id;
const applicationId = created.application_id;

// 2) Approve KYB in the sandbox.
//    In PRODUCTION you'd redirect the operator to `application.application_url`
//    and wait for the `customer.kyb_status.updated` webhook instead.
await dakota.sandbox.simulateOnboarding({
  type: "kyb_approve",
  applicant_id: applicationId,
  simulation_id: `sim_kyb_${user.id}`,
});

// 3) Poll until KYB lands as active (sandbox flips in ~1s).
for (let i = 0; i < 8; i++) {
  await sleep(300);
  const c = await dakota.customers.get(customerId);
  if (c.kyb_status === "active") break;
}

// app/api/workers/[id]/pay/route.ts
// Create the USDC → USD ACH one-off transaction.
const tx = await dakota.transactions.create({
  customer_id: profile.dakota_customer_id,
  source_asset: "USDC",
  source_network_id: "ethereum-sepolia",
  destination_id: destinationId,
  destination_asset: "USD",
  destination_payment_rail: "ach",
  amount,
  payment_reference: "Salary",
});

// SANDBOX-ONLY: nudge the lifecycle to settled so the demo shows a complete
// flow on screen. In production this is a no-op — the partner bank settles
// ACH on its own timeline (1–3 business days) and Dakota posts a webhook.
if (process.env.DAKOTA_ENV !== "production") {
  await dakota.sandbox.simulateInbound({
    simulation_id: `settle_${tx.id}_${Date.now()}`,
    type: "ach_outbound_settled",
    one_off_transaction_id: tx.id,
    amount,
    currency: "USD",
  });
}