Known gaps and conflicts

Where this repo’s guides and OpenAPI disagree, or behavior is not documented yet. Do not invent API fields — confirm with Element Pay (compliance@elementpay.net) before shipping production assumptions.

Conflicts (prefer code/examples in-repo)

Topic	Conflict	Prefer
Auth schemes in OpenAPI	Spec also lists `JWTBearer` / `HTTPBearer`	`X-API-Key` only for `/partner/*` (see `authentication.mdx`; schemes annotated as unused)
`GET /partner/banks`	OpenAPI: bank/network options; guides: not for NG retail / momo / primary KE bank discovery	Prefer `catalog` / `payment-methods` for African retail; follow corridor pages
Inline `customer` on quote	Still in sandbox/Postman examples	Deprecated — new work uses vault `customer_id` (`orders/quote-and-accept.mdx`)
Card APIs	Documented in `customers/cards.mdx` + route cheat sheet	Not in `openapi.yaml` paths — treat as guide-only until exported

Undocumented (TODO)

Gap	Impact	What to do for now
Exact quote TTL in seconds	Agents must parse `expires_at`	TODO: publish nominal TTL if product has a fixed window
Static fee schedule / BPS	Fee table not in docs	Use per-quote `amounts.fees`; request schedule from EP if needed
Account webhook body schemas	`account.*` events listed; no full JSON examples in `webhooks.mdx`	TODO: add examples; OpenAPI webhook `oneOf` notes this
Card charge OpenAPI	Cards guide without OpenAPI	TODO: export card paths into OpenAPI when stable
Production IP allowlisting details	Mentioned in onboarding checklist	TODO: document if required for your key
USDC minor-unit API field	API returns decimals	Integrators convert ×10⁶ locally — not an API contract field
Hosted Mintlify public URL	README placeholder	Set in partner handoff

Dual products easy to confuse

Product	Paths	Direction
Corridor ramp	`/partner/orders/quote`, `…/accept`	Fiat ↔ crypto (e.g. local fiat → USDC)
Ledger conversion	`…/accounts/{id}/conversions/preview`	Fiat ↔ fiat on same customer banking accounts
Indicative rates	`/partner/rates/indicative`	Non-binding UI ticker

Source preference

openapi.yaml / openapi.json path + response examples
MDX guides with copy-paste curls (quickstart, orders/quote-and-accept, webhooks)
Postman collection
This gaps file when sources disagree