post
https://megsapp-nova-stg.85.group/api/v1/rica/submit
Creates or reuses a compliance entity, uploads the selfie as an EntityDocument with documentType = SELFIE, RICA-binds the SIM, and creates a PENDING_SPEND_TRIGGER attempt. If a partner JWT is present in the Authorization header, the SIM is attributed to that partner user. Otherwise the submission is recorded as self-service.
Access: Public endpoint.
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