Data Exchange Overview

Client grants allow one MX client to share data with another. This makes it possible for a service provider or third party to use that shared data to offer services like credit score improvement or loan prequalification.

Authentication

All Data Exchange endpoints require the MX-3DX-TOKEN header:

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curl -X GET 'https://int-api.mx.com/data_exchange/users' \

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-H 'Accept-Version: rc20260430' \

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-H 'MX-3DX-TOKEN: your_data_exchange_token' \

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-H 'Authorization: Basic BASE_64_ENCODING_OF{client_id:api_key}'

Available Endpoints

Data Exchange provides the following endpoints for secure third-party data sharing:

• GET /data_exchange/users - List users in data exchange context.
• GET /data_exchange/users/{user_identifier}/accounts - List accounts for a specific user.
• GET /data_exchange/users/{user_identifier}/transactions - List transactions for a specific user.
• GET /data_exchange/users/{user_identifier}/accounts/{account_guid}/transactions - List transactions for a specific account.
• GET /data_exchange/users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}/transactions - List transactions by account and member.
• GET /data_exchange/issuer/{issuer_client_guid}/grants - List grants for an issuing client.
• GET /data_exchange/grantee/{grantee_client_guid}/grants - List grants for a grantee client.

Fields

Field	Data Type	Description
expires_at	ISO 8601 DateTime	DateTime that the client grant expires.
data_source	String	Determines the source of the data that is shared via this grant. Enumeration: NONE, HELD, AGGREGATED, ALL
guid	String	MX identifier for the grant party.
revoked_at	ISO 8601 DateTime	DateTime that the client grant was revoked. Only populated if status is REVOKED.
status	String	Status of the client grant. Enumeration: EXPIRED, GRANTED, REVOKED
grantees.client_guid	String	MX client identifier for the grantee.
grantees.role	String	Role of the grantee. Enumeration: DATA_RECIPIENT, DATA_COLLECTOR
issuer.client_guid	String	MX client identifier for the issuer.
mx_record.created_at	ISO 8601 DateTime	DateTime that the client grant was created.
mx_record.updated_at	ISO 8601 DateTime	DateTime that the client grant was updated.