get_banking_mandate_state

GET 
/v1/banking/mandates

Mandate-state lookup for the inline Mono Connect UX used at offer acceptance. Returns "active" + mandate_id when the caller has an active direct-debit mandate for the given bank account, "expired" when there is a non-active mandate, or "absent" when no mandate exists at all. The mobile flow uses the status to decide whether to skip the prompt (active) or launch Mono Connect inline (expired | absent). See docs/superpowers/specs/2026-05-25-loan-disbursement-bank-rail-design.md §7.4.

Request

Responses

200

Mandate state for the caller's bank account

400

bad_request: Invalid input

401

unauthorized: Unauthorized

404

Bank account not found or not owned by caller