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Fundor never hands an existing account to a partner without the owner’s approval. When POST /users gets an email that already belongs to a Fundor account, nothing is created and you get:
No user ID or account details are included.
1

Send the person to approvalUrl

Show a button such as “Connect your Fundor account”. The URL is safe to show: approving requires signing in to fundor.io as that account’s owner.
2

They approve or decline on fundor.io

The request expires after 7 days.
3

Call POST /users again

Once approved, the same call returns 200 with status: "linked" and the userId. Until then, every endpoint returns 403 for that user.

Signing in to fundor.io

People you create can use fundor.io whenever they like: they sign in with the same email and get a one-time code by email. No password is needed.