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isPendingApproval(res) is a typed discriminator exported from the SDK. The gated methods — cards.create, cards.* (cardholder, top-up), domains.purchase, verification.start, formation.submit, connections.connect — resolve to either their normal result or a PendingApproval (HTTP 202 is success, not a thrown error). naive.agentTools() marks every sensitive method sensitive: true in the registry naive_search_primitives returns, and naive_run_primitive relays the pending_approval status verbatim — so an LLM agent can detect a frozen action and ask the user to approve it. Reading or resolving the queue is done through this sub-client (naive.approvals.list()), not through a tool. Which actions are gated is set per primitive on the Account Kit (requiresApproval). See Approvals.