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The unread badge (no notification rows)

GET
/notifications/summary
curl --request GET \
--url https://api.tovarifinancial.com/notifications/summary \
--header 'Authorization: Bearer <token>'

The cheap poll the shell runs every 60s. It returns NO notification rows — no title, no body, no payload — which is the entire reason it exists beside GET /notifications. highestUnreadSeverity is derived over the WHOLE unread set server-side, so a client must not compute the badge colour from a page it happens to hold.

The badge

Media typeapplication/json
object
data
required
object
unreadCount
required
integer
highestUnreadSeverity
required

Null exactly when unreadCount is 0.

string
nullable
Allowed values: info warning critical
latestCreatedAt
required
string format: date-time
nullable
dataTrust
required
object
suppressed
required

TRUE only when a suppressible type is ACTUALLY being withheld under the scoped gate.

boolean
reason
required
string
nullable
Allowed values: feed_stalled reauth_required
institutionName
required
string
nullable
suppressedTypes
required

The notification type codes currently withheld. Empty when nothing is suppressed.

Array<string>
message
string
requestId
required
string
timestamp
required
string format: date-time
Example
{
"data": {
"highestUnreadSeverity": "info",
"dataTrust": {
"reason": "feed_stalled"
}
}
}

Missing, invalid, or expired bearer token

Media typeapplication/json
object
errorCode
required

Machine-readable error code (AUTH_ERROR_CODES).

string
Allowed values: INVALID_EMAIL_FORMAT USER_ALREADY_EXISTS INVALID_INVITE_CODE WRONG_PASSWORD USER_NOT_FOUND AUTHENTICATION_FAILED EXPIRED_CODE INVALID_CODE INVALID_PASSWORD VALIDATION_ERROR SIGNUP_FAILED DATABASE_ERROR SERVICE_UNAVAILABLE PLAID_ERROR IDEMPOTENCY_CONFLICT ACCOUNT_ALREADY_LINKED NOT_FOUND
message
required
string
fieldErrors

Optional field-level validation errors, keyed by field name.

object
key
additional properties
Array<string>
requestId
required
string
timestamp
required
string format: date-time
Example
{
"errorCode": "INVALID_EMAIL_FORMAT"
}

Authenticated, but the tenant gate refuses the request until the caller resolves a precondition. errorCode is one of EMAIL_NOT_VERIFIED, POLICY_ACCEPTANCE_REQUIRED, or SUBSCRIPTION_REQUIRED, evaluated in exactly that order (contract term CCR-1: email verification first, then policy acceptance, then subscription — so a subscriber who has merely not re-accepted the current policies always sees POLICY_ACCEPTANCE_REQUIRED). A POLICY_ACCEPTANCE_REQUIRED body additionally carries details.outstanding (the policy versions still to accept) and details.firstAcceptance. The SUBSCRIPTION_REQUIRED arm is INERT unless the server-side BILLING_ENABLED flag is exactly the string true; while it is off, only the first two codes are reachable. Not retryable as sent — resolve the named condition, then resend.

Media typeapplication/json
object
errorCode
required

Which precondition refused the request. Evaluated in this order (CCR-1); SUBSCRIPTION_REQUIRED is unreachable while BILLING_ENABLED is not exactly true.

string
Allowed values: EMAIL_NOT_VERIFIED POLICY_ACCEPTANCE_REQUIRED SUBSCRIPTION_REQUIRED
message
required
string
details
object
outstanding
required

Active policy versions the user has not yet accepted.

Array<object>
object
id
required
string format: uuid
policyType
required
string
version
required
integer
title
required
string
firstAcceptance
required

True when the user has accepted no policy before — the client renders the new-signup screen rather than the re-acceptance one.

boolean
requestId
required
string
timestamp
required
string format: date-time
Example
{
"errorCode": "EMAIL_NOT_VERIFIED"
}

Internal error (no internal detail leaked)

Media typeapplication/json
object
errorCode
required

Machine-readable error code (AUTH_ERROR_CODES).

string
Allowed values: INVALID_EMAIL_FORMAT USER_ALREADY_EXISTS INVALID_INVITE_CODE WRONG_PASSWORD USER_NOT_FOUND AUTHENTICATION_FAILED EXPIRED_CODE INVALID_CODE INVALID_PASSWORD VALIDATION_ERROR SIGNUP_FAILED DATABASE_ERROR SERVICE_UNAVAILABLE PLAID_ERROR IDEMPOTENCY_CONFLICT ACCOUNT_ALREADY_LINKED NOT_FOUND
message
required
string
fieldErrors

Optional field-level validation errors, keyed by field name.

object
key
additional properties
Array<string>
requestId
required
string
timestamp
required
string format: date-time
Example
{
"errorCode": "INVALID_EMAIL_FORMAT"
}

Service temporarily unavailable — errorCode is SERVICE_UNAVAILABLE. A TRANSIENT, RETRYABLE condition rather than a defect in the request: a query that exceeded its time budget, a lost or refused database connection, a saturated connection pool, or an outage at an upstream provider the request depends on (the authentication provider, or the bank data provider on a bank-connection operation). The identical request may succeed on retry — back off briefly and, on a write, resend the same X-Idempotency-Key where the operation accepts one.

Media typeapplication/json
object
errorCode
required

Machine-readable error code (AUTH_ERROR_CODES).

string
Allowed values: INVALID_EMAIL_FORMAT USER_ALREADY_EXISTS INVALID_INVITE_CODE WRONG_PASSWORD USER_NOT_FOUND AUTHENTICATION_FAILED EXPIRED_CODE INVALID_CODE INVALID_PASSWORD VALIDATION_ERROR SIGNUP_FAILED DATABASE_ERROR SERVICE_UNAVAILABLE PLAID_ERROR IDEMPOTENCY_CONFLICT ACCOUNT_ALREADY_LINKED NOT_FOUND
message
required
string
fieldErrors

Optional field-level validation errors, keyed by field name.

object
key
additional properties
Array<string>
requestId
required
string
timestamp
required
string format: date-time
Example
{
"errorCode": "INVALID_EMAIL_FORMAT"
}