Create Transaction

cURL

curl --request POST \
  --url https://public.api.live.turrisfi.com/v1/policies/{policyId}/transactions \
  --header 'Content-Type: application/json' \
  --data '
{
  "policyTransactionDate": "2025-01-15T00:00:00.000Z",
  "riskStateCode": "CA",
  "policyTransactionType": "new",
  "uniqueTransactionId": "ext-txn-001",
  "insuredEntityName": "Example Corp",
  "agencyName": "Premier Insurance Agency",
  "carrierName": "National Insurance Co",
  "effectiveDate": "2025-01-15T00:00:00.000Z",
  "expiryDate": "2026-01-15T00:00:00.000Z",
  "premiumAmountInUSD": 5000,
  "aggregateCoverageInUSD": 1000000,
  "coveragePerClaimInUSD": 500000,
  "lineOfBusiness": "Commercial Lines",
  "licenseNumber": "LIC-001",
  "npn": "11223344",
  "producerName": "Jon Doe",
  "producerCode": "PROD-001",
  "productName": "General Liability",
  "productCode": "GL-100",
  "filingNumber": "FIL-2025-001",
  "slaNumber": "SLA-2025-001",
  "externalBillingId": "BILL-2025-001",
  "agencyNpn": "12345678",
  "agencyFein": "12-3456789",
  "agencyLicenseNumber": "ABC-123456",
  "agencyLicensedStateCode": "CA",
  "agentName": "John Smith",
  "agentNpn": "87654321",
  "agentLicenseNumber": "LIC-789012",
  "agentLicensedState": "TX",
  "agentIds": [
    "6650a1b2c3d4e5f6a7b8c9d0"
  ]
}
'

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({
    policyTransactionDate: '2025-01-15T00:00:00.000Z',
    riskStateCode: 'CA',
    policyTransactionType: 'new',
    uniqueTransactionId: 'ext-txn-001',
    insuredEntityName: 'Example Corp',
    agencyName: 'Premier Insurance Agency',
    carrierName: 'National Insurance Co',
    effectiveDate: '2025-01-15T00:00:00.000Z',
    expiryDate: '2026-01-15T00:00:00.000Z',
    premiumAmountInUSD: 5000,
    aggregateCoverageInUSD: 1000000,
    coveragePerClaimInUSD: 500000,
    lineOfBusiness: 'Commercial Lines',
    licenseNumber: 'LIC-001',
    npn: '11223344',
    producerName: 'Jon Doe',
    producerCode: 'PROD-001',
    productName: 'General Liability',
    productCode: 'GL-100',
    filingNumber: 'FIL-2025-001',
    slaNumber: 'SLA-2025-001',
    externalBillingId: 'BILL-2025-001',
    agencyNpn: '12345678',
    agencyFein: '12-3456789',
    agencyLicenseNumber: 'ABC-123456',
    agencyLicensedStateCode: 'CA',
    agentName: 'John Smith',
    agentNpn: '87654321',
    agentLicenseNumber: 'LIC-789012',
    agentLicensedState: 'TX',
    agentIds: ['6650a1b2c3d4e5f6a7b8c9d0']
  })
};

fetch('https://public.api.live.turrisfi.com/v1/policies/{policyId}/transactions', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://public.api.live.turrisfi.com/v1/policies/{policyId}/transactions"

payload = {
    "policyTransactionDate": "2025-01-15T00:00:00.000Z",
    "riskStateCode": "CA",
    "policyTransactionType": "new",
    "uniqueTransactionId": "ext-txn-001",
    "insuredEntityName": "Example Corp",
    "agencyName": "Premier Insurance Agency",
    "carrierName": "National Insurance Co",
    "effectiveDate": "2025-01-15T00:00:00.000Z",
    "expiryDate": "2026-01-15T00:00:00.000Z",
    "premiumAmountInUSD": 5000,
    "aggregateCoverageInUSD": 1000000,
    "coveragePerClaimInUSD": 500000,
    "lineOfBusiness": "Commercial Lines",
    "licenseNumber": "LIC-001",
    "npn": "11223344",
    "producerName": "Jon Doe",
    "producerCode": "PROD-001",
    "productName": "General Liability",
    "productCode": "GL-100",
    "filingNumber": "FIL-2025-001",
    "slaNumber": "SLA-2025-001",
    "externalBillingId": "BILL-2025-001",
    "agencyNpn": "12345678",
    "agencyFein": "12-3456789",
    "agencyLicenseNumber": "ABC-123456",
    "agencyLicensedStateCode": "CA",
    "agentName": "John Smith",
    "agentNpn": "87654321",
    "agentLicenseNumber": "LIC-789012",
    "agentLicensedState": "TX",
    "agentIds": ["6650a1b2c3d4e5f6a7b8c9d0"]
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "data": {
    "_id": "6650a1b2c3d4e5f6a7b8c9d0",
    "policyId": "6650a1b2c3d4e5f6a7b8c9d1",
    "upstreamEntityId": "6650a1b2c3d4e5f6a7b8c9d0",
    "policyNumber": "POL-2025-001",
    "policyTransactionType": "new",
    "policyTransactionDate": "2025-01-15T00:00:00.000Z",
    "riskStateCode": "CA",
    "entityMatchStatus": "unmatched",
    "matchedAgents": [
      {
        "agentId": "6650a1b2c3d4e5f6a7b8c9d0",
        "matchSource": "user",
        "matchConfidence": 1,
        "matchedAt": "2025-01-15T10:30:00.000Z"
      }
    ],
    "agentMatchStatus": "user confirmed",
    "transactionFingerprint": "a1b2c3...",
    "columnMappingId": "6650a1b2c3d4e5f6a7b8c9d0",
    "entityId": "6650a1b2c3d4e5f6a7b8c9d0",
    "entityModel": "UpstreamEntity",
    "isDeleted": false,
    "createdAt": "2025-01-15T10:30:00.000Z",
    "updatedAt": "2025-01-15T10:31:45.000Z",
    "insuredEntityName": "Example Corp",
    "agencyName": "Premier Insurance Agency",
    "carrierName": "National Insurance Co",
    "effectiveDate": "2025-01-15T00:00:00.000Z",
    "expiryDate": "2026-01-15T00:00:00.000Z",
    "premiumAmountInUSD": 5000,
    "aggregateCoverageInUSD": 1000000,
    "coveragePerClaimInUSD": 500000,
    "lineOfBusiness": "Commercial Lines",
    "licenseNumber": "LIC-001",
    "npn": "11223344",
    "producerName": "Jon Doe",
    "producerCode": "PROD-001",
    "productName": "General Liability",
    "productCode": "GL-100",
    "filingNumber": "FIL-2025-001",
    "slaNumber": "SLA-2025-001",
    "externalBillingId": "BILL-2025-001",
    "uniqueTransactionId": "ext-txn-001",
    "agencyNpn": "12345678",
    "agencyFein": "12-3456789",
    "agencyLicenseNumber": "ABC-123456",
    "agencyLicensedStateCode": "CA",
    "agentName": "John Smith",
    "agentNpn": "87654321",
    "agentLicenseNumber": "LIC-789012",
    "agentLicensedState": "TX",
    "downstreamEntityId": "6650a1b2c3d4e5f6a7b8c9d0",
    "upstreamDownstreamAssociationId": "6650a1b2c3d4e5f6a7b8c9d1",
    "entityMatchConfidence": 1,
    "dedupResult": "new"
  },
  "requestId": "dev-2c5e7cf2-9acf-4c8c-ab2f-b81f39d775a8",
  "timestamp": "2025-11-12T20:49:03.293Z"
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

POST

policies

{policyId}

transactions

cURL

curl --request POST \
  --url https://public.api.live.turrisfi.com/v1/policies/{policyId}/transactions \
  --header 'Content-Type: application/json' \
  --data '
{
  "policyTransactionDate": "2025-01-15T00:00:00.000Z",
  "riskStateCode": "CA",
  "policyTransactionType": "new",
  "uniqueTransactionId": "ext-txn-001",
  "insuredEntityName": "Example Corp",
  "agencyName": "Premier Insurance Agency",
  "carrierName": "National Insurance Co",
  "effectiveDate": "2025-01-15T00:00:00.000Z",
  "expiryDate": "2026-01-15T00:00:00.000Z",
  "premiumAmountInUSD": 5000,
  "aggregateCoverageInUSD": 1000000,
  "coveragePerClaimInUSD": 500000,
  "lineOfBusiness": "Commercial Lines",
  "licenseNumber": "LIC-001",
  "npn": "11223344",
  "producerName": "Jon Doe",
  "producerCode": "PROD-001",
  "productName": "General Liability",
  "productCode": "GL-100",
  "filingNumber": "FIL-2025-001",
  "slaNumber": "SLA-2025-001",
  "externalBillingId": "BILL-2025-001",
  "agencyNpn": "12345678",
  "agencyFein": "12-3456789",
  "agencyLicenseNumber": "ABC-123456",
  "agencyLicensedStateCode": "CA",
  "agentName": "John Smith",
  "agentNpn": "87654321",
  "agentLicenseNumber": "LIC-789012",
  "agentLicensedState": "TX",
  "agentIds": [
    "6650a1b2c3d4e5f6a7b8c9d0"
  ]
}
'

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({
    policyTransactionDate: '2025-01-15T00:00:00.000Z',
    riskStateCode: 'CA',
    policyTransactionType: 'new',
    uniqueTransactionId: 'ext-txn-001',
    insuredEntityName: 'Example Corp',
    agencyName: 'Premier Insurance Agency',
    carrierName: 'National Insurance Co',
    effectiveDate: '2025-01-15T00:00:00.000Z',
    expiryDate: '2026-01-15T00:00:00.000Z',
    premiumAmountInUSD: 5000,
    aggregateCoverageInUSD: 1000000,
    coveragePerClaimInUSD: 500000,
    lineOfBusiness: 'Commercial Lines',
    licenseNumber: 'LIC-001',
    npn: '11223344',
    producerName: 'Jon Doe',
    producerCode: 'PROD-001',
    productName: 'General Liability',
    productCode: 'GL-100',
    filingNumber: 'FIL-2025-001',
    slaNumber: 'SLA-2025-001',
    externalBillingId: 'BILL-2025-001',
    agencyNpn: '12345678',
    agencyFein: '12-3456789',
    agencyLicenseNumber: 'ABC-123456',
    agencyLicensedStateCode: 'CA',
    agentName: 'John Smith',
    agentNpn: '87654321',
    agentLicenseNumber: 'LIC-789012',
    agentLicensedState: 'TX',
    agentIds: ['6650a1b2c3d4e5f6a7b8c9d0']
  })
};

fetch('https://public.api.live.turrisfi.com/v1/policies/{policyId}/transactions', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://public.api.live.turrisfi.com/v1/policies/{policyId}/transactions"

payload = {
    "policyTransactionDate": "2025-01-15T00:00:00.000Z",
    "riskStateCode": "CA",
    "policyTransactionType": "new",
    "uniqueTransactionId": "ext-txn-001",
    "insuredEntityName": "Example Corp",
    "agencyName": "Premier Insurance Agency",
    "carrierName": "National Insurance Co",
    "effectiveDate": "2025-01-15T00:00:00.000Z",
    "expiryDate": "2026-01-15T00:00:00.000Z",
    "premiumAmountInUSD": 5000,
    "aggregateCoverageInUSD": 1000000,
    "coveragePerClaimInUSD": 500000,
    "lineOfBusiness": "Commercial Lines",
    "licenseNumber": "LIC-001",
    "npn": "11223344",
    "producerName": "Jon Doe",
    "producerCode": "PROD-001",
    "productName": "General Liability",
    "productCode": "GL-100",
    "filingNumber": "FIL-2025-001",
    "slaNumber": "SLA-2025-001",
    "externalBillingId": "BILL-2025-001",
    "agencyNpn": "12345678",
    "agencyFein": "12-3456789",
    "agencyLicenseNumber": "ABC-123456",
    "agencyLicensedStateCode": "CA",
    "agentName": "John Smith",
    "agentNpn": "87654321",
    "agentLicenseNumber": "LIC-789012",
    "agentLicensedState": "TX",
    "agentIds": ["6650a1b2c3d4e5f6a7b8c9d0"]
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "data": {
    "_id": "6650a1b2c3d4e5f6a7b8c9d0",
    "policyId": "6650a1b2c3d4e5f6a7b8c9d1",
    "upstreamEntityId": "6650a1b2c3d4e5f6a7b8c9d0",
    "policyNumber": "POL-2025-001",
    "policyTransactionType": "new",
    "policyTransactionDate": "2025-01-15T00:00:00.000Z",
    "riskStateCode": "CA",
    "entityMatchStatus": "unmatched",
    "matchedAgents": [
      {
        "agentId": "6650a1b2c3d4e5f6a7b8c9d0",
        "matchSource": "user",
        "matchConfidence": 1,
        "matchedAt": "2025-01-15T10:30:00.000Z"
      }
    ],
    "agentMatchStatus": "user confirmed",
    "transactionFingerprint": "a1b2c3...",
    "columnMappingId": "6650a1b2c3d4e5f6a7b8c9d0",
    "entityId": "6650a1b2c3d4e5f6a7b8c9d0",
    "entityModel": "UpstreamEntity",
    "isDeleted": false,
    "createdAt": "2025-01-15T10:30:00.000Z",
    "updatedAt": "2025-01-15T10:31:45.000Z",
    "insuredEntityName": "Example Corp",
    "agencyName": "Premier Insurance Agency",
    "carrierName": "National Insurance Co",
    "effectiveDate": "2025-01-15T00:00:00.000Z",
    "expiryDate": "2026-01-15T00:00:00.000Z",
    "premiumAmountInUSD": 5000,
    "aggregateCoverageInUSD": 1000000,
    "coveragePerClaimInUSD": 500000,
    "lineOfBusiness": "Commercial Lines",
    "licenseNumber": "LIC-001",
    "npn": "11223344",
    "producerName": "Jon Doe",
    "producerCode": "PROD-001",
    "productName": "General Liability",
    "productCode": "GL-100",
    "filingNumber": "FIL-2025-001",
    "slaNumber": "SLA-2025-001",
    "externalBillingId": "BILL-2025-001",
    "uniqueTransactionId": "ext-txn-001",
    "agencyNpn": "12345678",
    "agencyFein": "12-3456789",
    "agencyLicenseNumber": "ABC-123456",
    "agencyLicensedStateCode": "CA",
    "agentName": "John Smith",
    "agentNpn": "87654321",
    "agentLicenseNumber": "LIC-789012",
    "agentLicensedState": "TX",
    "downstreamEntityId": "6650a1b2c3d4e5f6a7b8c9d0",
    "upstreamDownstreamAssociationId": "6650a1b2c3d4e5f6a7b8c9d1",
    "entityMatchConfidence": 1,
    "dedupResult": "new"
  },
  "requestId": "dev-2c5e7cf2-9acf-4c8c-ab2f-b81f39d775a8",
  "timestamp": "2025-11-12T20:49:03.293Z"
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

{
  "statusCode": 123,
  "requestId": "<string>",
  "errorType": "validation_error",
  "errorMessage": [
    "<string>"
  ],
  "timestamp": "<string>",
  "details": {}
}

Creates one transaction under an existing policy. The policyNumber is inherited from the parent policy. Only policyTransactionDate and riskStateCode are required. policyTransactionType defaults to bound when omitted.

Path Parameters

Parameter	Type	Required	Description
`policyId`	string	Yes	Unique identifier of the parent policy (MongoDB ObjectId)

Agent Assignment

agentIds (agent _id values from List Agents) is only valid when the parent policy has a confirmed agency match. Each agent must be available to the matched agency, otherwise the request fails with 422.

Use uniqueTransactionId to give the transaction a stable, caller-supplied id that disambiguates otherwise-identical transactions during deduplication.

Response Shape

All successful responses are wrapped in the standard response envelope. See Request/Response Conventions.

{
  "statusCode": 201,
  "data": {
    "_id": "6650a1b2c3d4e5f6a7b8c9d1",
    "policyId": "6650a1b2c3d4e5f6a7b8c9d0",
    "policyNumber": "POL-2025-001",
    "policyTransactionType": "new",
    "policyTransactionDate": "2025-01-15T00:00:00.000Z",
    "riskStateCode": "CA",
    "entityMatchStatus": "unmatched",
    "matchedAgents": [],
    "agentMatchStatus": "unmatched",
    "createdAt": "2025-01-15T10:30:00.000Z",
    "updatedAt": "2025-01-15T10:30:00.000Z"
  },
  "timestamp": "2025-01-15T10:30:00.000Z"
}

Error Scenarios

Bad Request (400)

Returned when policyId is malformed or the body fails validation.

{
  "statusCode": 400,
  "errorType": "validation_error",
  "errorMessage": ["policyTransactionDate must be a valid ISO 8601 date string"],
  "requestId": "dev-abc123",
  "timestamp": "2025-01-15T10:30:00.000Z"
}

Parent Policy Not Found (404)

Returned when policyId does not exist or belongs to a different upstream entity.

{
  "statusCode": 404,
  "errorType": "not_found",
  "errorMessage": ["Policy not found"],
  "requestId": "dev-abc123",
  "timestamp": "2025-01-15T10:30:00.000Z"
}

Duplicate Transaction (409)

Returned when a transaction with these details already exists under the policy.

{
  "statusCode": 409,
  "errorType": "conflict",
  "errorMessage": ["A transaction with these details already exists"],
  "requestId": "dev-abc123",
  "timestamp": "2025-01-15T10:30:00.000Z"
}

Agent Assignment Rejected (422)

Returned when agentIds is supplied without a confirmed agency, or an agent is not available to the matched agency.

{
  "statusCode": 422,
  "errorType": "unprocessable_entity",
  "errorMessage": ["Agents can only be assigned when the policy has a confirmed agency"],
  "requestId": "dev-abc123",
  "timestamp": "2025-01-15T10:30:00.000Z"
}

Unauthorized (401)

Missing or invalid authentication token. See Authentication.

Idempotency

This endpoint supports idempotency. If you include an idempotency-key header, duplicate requests within 1 hour return the original response without creating a second transaction. See Idempotency.

Headers

idempotency-key

string

UUID to ensure idempotent request processing

Example:

"550e8400-e29b-41d4-a716-446655440000"

x-idempotency-key

string

Alternative UUID header for idempotent request processing

Example:

"550e8400-e29b-41d4-a716-446655440000"

Path Parameters

policyId

string

required

Unique identifier of the parent policy

Example:

"6650a1b2c3d4e5f6a7b8c9d0"

Body

application/json

policyTransactionDate

string

required

Transaction date (ISO 8601)

Example:

"2025-01-15T00:00:00.000Z"

riskStateCode

string

required

US state code where the risk is located

Example:

"CA"

policyTransactionType

enum<string>

Transaction type. Defaults to "bound" when omitted.

Available options:

new,

renewal,

endorsement,

cancellation,

audit,

reinstatement,

bound

Example:

"new"

uniqueTransactionId

string

Caller-supplied stable id disambiguating otherwise-identical transactions during dedup.

Example:

"ext-txn-001"

insuredEntityName

string

Name of the insured party

Example:

"Example Corp"

agencyName

string

Agency name

Example:

"Premier Insurance Agency"

carrierName

string

Insurance carrier name

Example:

"National Insurance Co"

effectiveDate

string

Effective date (ISO 8601)

Example:

"2025-01-15T00:00:00.000Z"

expiryDate

string

Expiration date (ISO 8601)

Example:

"2026-01-15T00:00:00.000Z"

premiumAmountInUSD

number

Premium amount in USD

Example:

5000

aggregateCoverageInUSD

number

Aggregate coverage limit in USD

Example:

1000000

coveragePerClaimInUSD

number

Per-claim coverage limit in USD

Example:

500000

lineOfBusiness

string

Line of business

Example:

"Commercial Lines"

licenseNumber

string

License number

Example:

"LIC-001"

npn

string

National Producer Number

Example:

"11223344"

producerName

string

Producing agent name

Example:

"Jon Doe"

producerCode

string

Producer identifier code

Example:

"PROD-001"

productName

string

Product name

Example:

"General Liability"

productCode

string

Product code

Example:

"GL-100"

filingNumber

string

Filing number

Example:

"FIL-2025-001"

slaNumber

string

SLA number

Example:

"SLA-2025-001"

externalBillingId

string

External billing identifier

Example:

"BILL-2025-001"

agencyNpn

string

Agency National Producer Number

Example:

"12345678"

agencyFein

string

Agency Federal Employer Identification Number

Example:

"12-3456789"

agencyLicenseNumber

string

Agency state license number

Example:

"ABC-123456"

agencyLicensedStateCode

string

State where the agency license was issued

Example:

"CA"

agentName

string

Individual agent name

Example:

"John Smith"

agentNpn

string

Agent National Producer Number

Example:

"87654321"

agentLicenseNumber

string

Agent state license number

Example:

"LIC-789012"

agentLicensedState

string

State where the agent license was issued

Example:

"TX"

agentIds

string[]

Agent association - agent ids (agent._id from GET /agents) to assign. Requires a confirmed agency.

Example:

["6650a1b2c3d4e5f6a7b8c9d0"]

Response

Transaction created

data

object

required

Show child attributes

requestId

string

required

Unique request identifier

Example:

"dev-2c5e7cf2-9acf-4c8c-ab2f-b81f39d775a8"

timestamp

string

required

Response timestamp

Example:

"2025-11-12T20:49:03.293Z"

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Agencies You Appoint

Contract Container Templates

Agents

Contacts

Market Contacts

Licenses

Appointments

Compliance Data Subscriptions

Compliance Status

File Documents

Policy Ingestion

Policy Transactions

Surplus Lines Filings

Webhooks

E&O/Cyber Compliance

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Tools

Path Parameters

Agent Assignment

Response Shape

Error Scenarios

Bad Request (400)

Parent Policy Not Found (404)

Duplicate Transaction (409)

Agent Assignment Rejected (422)

Unauthorized (401)

Idempotency

Headers

Path Parameters

Body

Response

​Path Parameters

​Agent Assignment

​Response Shape

​Error Scenarios

​Bad Request (400)

​Parent Policy Not Found (404)

​Duplicate Transaction (409)

​Agent Assignment Rejected (422)

​Unauthorized (401)

​Idempotency

Headers

Path Parameters

Body

Response

Path Parameters

Agent Assignment

Response Shape

Error Scenarios

Bad Request (400)

Parent Policy Not Found (404)

Duplicate Transaction (409)

Agent Assignment Rejected (422)

Unauthorized (401)

Idempotency