openapi: '3.0.0' info: contact: name: Platform API v20260929 url: https://www.mx.com/products/platform-api description: | The MX Platform API is a powerful, fully-featured API designed to make aggregating and enhancing financial data easy and reliable. It can seamlessly connect your app or website to tens of thousands of financial institutions. ## Version Header Versions are set in the `Accept-Version` header of API requests. Version numbers correspond with the date associated with that version. The example below uses the version `v20260929`. ``` -H 'Accept: application/json' -H 'Accept-Version: v20260929' ``` --- title: Platform API 2026 version: '2026' servers: - url: https://int-api.mx.com - url: https://api.mx.com security: - basicAuth: [] tags: - name: authorization - name: accounts description: | The Accounts endpoints represent a user's checking, savings, mortgage, 401(k), or other types of accounts held by a financial institution. An account belongs to a `member`, which represents the user's overall relationship with a particular financial institution. A checking account may be just one part of a larger relationship that could also include a car loan and a savings account. Accounts—and the transactions associated with them—are updated every 24 hours, unless the associated `user` is disabled. You can also create manual accounts. Since a manual account has no credentials tied to the member, the account will never aggregate or include data from a data feed. All manual accounts are automatically created under the Manual Institution member. - name: ach return description: | The features documented here are in a beta state, and this documentation is considered draft material subject to frequent change. Using our Platform API, you can securely submit ACH Returns to reduce your ACH return rates and automate your ACH return process. You can query the status and outcomes of your submitted ACH returns to track progress and access resolution details. - name: budgets description: | Use these endpoints to create and manage budgets for your end users. You can create a budget for a specific category or autogenerate a budget for several categories based on existing transactions. Each budget has a `category_guid`, relating to one of the [categories](/api-reference/platform-api/v20260929/reference/categories#default-categories-and-subcategories). - name: categories description: | A `transaction` can have its `category` set to one of MX’s default categories or a custom category for a specific `user`. See [Default Categories and Subcategories](/api-reference/platform-api/v20260929/reference/categories#default-categories-and-subcategories) for a complete list. - name: data exchange description: | Data Exchange provides a secure mechanism for MX clients to share financial data with authorized service providers, external partners, and vendors. Access is controlled through client grants, which define the scope of data an MX client (issuer) makes available to one or more grantees. Each data exchange request requires both standard Platform API authentication and a valid token passed in the `MX-3DX-TOKEN` request header. - name: deprecated - name: goals description: | Use these endpoints to create and manage goals for a `user`. You can also reposition goals to adjust their priority levels. Every goal has a track type and a meta type. The track type (`track_type_name`) is the overall classification of the goal (debt, savings, retirement, or emergency fund) while the meta type (`meta_type_name`) is the specific classification (like college, house, vacation, and so on). - name: insights description: | Use these endpoints to build customizable user experiences in UIs powered by our Financial Insights data. With Financial Insights, your users will receive personalized insights based on their transaction history. Want to learn more about the product? See [Financial Insights](/products/experience/insights). Looking for a guide to use these endpoints? See [Build Your Own Insights UI](/products/experience/insights/integration-guides/insights-api-guide). - name: institutions description: | Institutions represent a financial institution. A single real-world financial institution may have several `institution` objects on the MX platform. For example, the mortgage division of a financial institution might use a separate system than its everyday banking division, which is different from its credit card division. For more info, see [Institutions Overview](/api-reference/platform-api/v20260929/reference/institutions). - name: investment holdings description: | Investment Data Enhancement lets you connect to an end user's financial institution and retrieve cleansed and enhanced investment data. By combining investment data with retail banking information, you get comprehensive insights into customer financial behaviors, risk tolerance, and investment strategies. You can [read a user's holding](/api-reference/platform-api/v20260929/reference/investment-holdings/read-holding), [list all their holdings](/api-reference/platform-api/v20260929/reference/investment-holdings/list-holdings-by-user), or list their holdings by [account](/api-reference/platform-api/v20260929/reference/investment-holdings/list-holdings-by-account) or [member](/api-reference/platform-api/v20260929/reference/investment-holdings/list-holdings-by-member). You can also [deactivate a user](/api-reference/platform-api/v20260929/reference/investment-holdings/deactivate-user-from-investment-holdings) from the Investment Data Enhancement. This is non-billable. - name: members description: | Members represent the connection between an end user and a financial institution. This institution may represent your institution or another one from which MX is aggregating data. For more info, see [Members Overview](/api-reference/platform-api/v20260929/reference/members). - name: merchants description: | Merchants are representations of a transaction’s origin. For example, if you buy a coffee at Starbucks, the transaction merchant will be `Starbucks`. Use the `merchant_guid` and a `merchant_location_guidon` any `transaction` object to access Merchant endpoints for details like the merchant’s name, logo URL, website, street address, and more. - name: microdeposits description: | Microdeposits is an additional verification method that allows you to verify account details and navigate the process of using microdeposits and the automated clearing house (ACH) system. Make two, small ACH deposits into a consumer's account using the provided account and routing number. You can then require that the end user confirm the exact amount of each deposit to verify that they own the account and meet NACHA’s account verification. For more info, including process flows, setting block lists, and more, see [Microdeposits](/products/connectivity/microdeposits). - name: identity_match description: | Verify user identity by comparing personal information with account owner data from connected financial accounts. - name: monthly cash flow profile - name: notifications description: | You can only use notifications endpoints if you’re using the MX mobile application. All notifications created through the API will be of notification type `API_NOTIFICATION`, channel `PUSH`, and will not be associated to an entity. No other channels are supported. The read and list endpoints can return any notification associated with the `user`, including notifications created by MX for other channels besides `PUSH`. - name: processor token - name: rewards - name: spending plan description: | Use the Spending Plan endpoints to create your own version of our [Spending Plan Widget](/products/experience/pfm/legacy-widget-overviews/spending-plan), which helps end users track their spending throughout the month. To understand key terms and how to best use these endpoints, see [Build Your Own Spending Plan UI](/products/experience/pfm/integration-guides/build-your-own-spending-plan-ui). - name: statements description: | With Statements, you can retrieve a user's monthly account statements in PDF format. This data can be used for solutions like personal financial management or risk analysis. - name: taggings description: | Tags and taggings are two resources in the MX Platform API that, when used together, give end users more control over organizing their transactions. A tag is a custom label that can be applied to a transaction. After you create a tag, use it for tagging. This means you should actually apply the tag to a particular transaction. Together, they're a powerful tool for personalization, customization, and money management. For a guide on creating a tag and then applying it to a specific transaction with a tagging, see [Custom Tags and Taggings](/products/experience/pfm/integration-guides/personalization/). - name: tags description: | Tags and taggings are two resources in the MX Platform API that, when used together, give end users more control over organizing their transactions. A tag is a custom label that can be applied to a transaction. After you create a tag, use it for tagging. This means you should actually apply the tag to a particular transaction. Together, they're a powerful tool for personalization, customization, and money management. For a guide on creating a tag and then applying it to a specific transaction with a tagging, see [Custom Tags and Taggings](/products/experience/pfm/integration-guides/personalization/). - name: transaction rules description: | Transaction Rules allow users to automatically recategorize or rename all similar transactions according to their preferences. This only applies to future transactions. When recategorizing or renaming a transaction, the user will be asked whether they want the new data to apply to the selected transaction or to all future transactions. If they choose to apply it to all future transactions, it will create a transaction rule which will automatically apply the changes going forward. - name: transactions description: | Transactions represent any instance in which money moves into or out of an account. This could be a purchase at a business, a payroll deposit, a transfer from one account to another, an ATM withdrawal, and so on. Transactions are created automatically when a member is successfully aggregated. Each `transaction` belongs to only one `account`. For more info, see [Transactions Overview](/api-reference/platform-api/v20260929/reference/transactions). - name: users description: | Users represent an end user using the Platform API through your web or mobile app. Users are created by MX clients and belong to a specific [client](/products/connectivity/overview/data-architecture#resources) on the platform. - name: verifiable credentials description: | MX provides Verifiable Credential endpoints that comply with web5 standards. For more info, see [Verifiable Credentials Overview](/api-reference/platform-api/v20260929/reference/verifiable-credentials). - name: widgets description: | Use the [Request Widget URL](/api-reference/platform-api/v20260929/reference/widgets/request-widget-url) endpoint to generate a URL that loads one of our widgets. Many request body parameters only work for some widgets. For more info, including widget types, see [Widgets Overview](/api-reference/platform-api/v20260929/reference/widgets). paths: /authorization_code: post: description: Clients use this endpoint to request an authorization code according to the parameters specified in the scope. Clients then pass this code to processors. Processor access is scoped only to the GUIDs and features specified in this request. Before requesting an authorization code which includes a member in the scope, clients must have verified that member. operationId: requestAuthorizationCode parameters: - $ref: '#/components/parameters/acceptVersion' requestBody: content: application/json: schema: $ref: '#/components/schemas/AuthorizationCodeRequestBody' example: authorization_code: scope: user-guid:USR-101ad774-288b-44ed-ad16-da87d522ea20 member-guid:MBR-54feffb9-8474-47bd-8442-de003910113a account-guid:ACT-32a64160-582a-4f00-ab34-5f49cc35ed35 read-protected description: The scope for the authorization code. required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/AuthorizationCodeResponseBody' description: OK summary: Request an authorization code tags: - processor token /ach_returns/{ach_return_guid}: get: description: | The features documented here are in a beta state, and this documentation is considered draft material subject to frequent change. Use this endpoint to get an ACH return by its `guid` or `id`. operationId: readACHRetrun parameters: - $ref: '#/components/parameters/achReturnGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/ACHReturnResponseBody' description: OK summary: Read ACH Return tags: - ach return /ach_returns: get: description: | The features documented here are in a beta state, and this documentation is considered draft material subject to frequent change. Use this endpoint to get all ACH returns. operationId: listACHReturns parameters: - $ref: '#/components/parameters/institutionGuid' - $ref: '#/components/parameters/returnedAt' - $ref: '#/components/parameters/resolvedStatusAt' - $ref: '#/components/parameters/returnCode' - $ref: '#/components/parameters/returnStatus' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/ACHReturnsResponseBody' description: OK summary: List ACH Returns tags: - ach return post: description: | The features documented here are in a beta state, and this documentation is considered draft material subject to frequent change. Use this endpoint to create an ACH return in our system. operationId: createACHReturn requestBody: content: application/json: schema: $ref: '#/components/schemas/ACHReturnCreateRequestBody' example: ach_return: account_guid: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 account_number_last_four: '1234' ach_initiated_at: '2025-02-13T18:08:00+00:00' id: client_ach_id_1234 member_guid: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b return_code: R01 returned_at: '2025-02-13T18:09:00+00:00' sec_code: PPD transaction_amount: 225.84 transaction_amount_range: 0 user_guid: USR-fa7537f3-48aa-a683-a02a-b18940482f54 description: ACH return object to be created. required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/ACHReturnResponseBody' description: OK summary: Create ACH Return tags: - ach return /categories/default: get: description: Use this endpoint to retrieve a list of all the default categories and subcategories offered within the MX Platform API. In other words, each item in the returned list will have its `is_default` field set to `true`. There are currently 119 default categories and subcategories. Both the _list default categories_ and _list default categories by user_ endpoints return the same results. The different routes are provided for convenience. operationId: listDefaultCategories parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoriesResponseBody' description: OK summary: List default categories tags: - categories /categories/{category_guid}: get: description: Use this endpoint to read the attributes of a default category. operationId: readDefaultCategory parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/categoryGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoryResponseBody' description: OK summary: Read a default category tags: - categories /data_exchange/users: get: description: | Use this endpoint to list users belonging to the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeListUsers parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/DataExchangeUsersResponseBody' description: OK summary: List data exchange users tags: - data exchange /data_exchange/users/{user_identifier}: get: description: | Use this endpoint to read the attributes of a specific user belonging to the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeReadUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/DataExchangeUserResponseBody' description: OK summary: Read data exchange user tags: - data exchange /data_exchange/users/{user_identifier}/accounts: get: description: | Use this endpoint to list accounts belonging to a specific user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeListAccounts parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountsSlimResponseBody' description: OK summary: List data exchange accounts tags: - data exchange /data_exchange/users/{user_identifier}/accounts/{account_guid}: get: description: | Use this endpoint to read a specific account belonging to a user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeReadAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountSlimResponseBody' description: OK summary: Read data exchange account tags: - data exchange /data_exchange/users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}: get: description: | Use this endpoint to read a specific account under a specific member of a user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. This endpoint accepts either MX-defined account GUIDs or partner-defined account IDs. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeReadAccountPerMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountSlimResponseBody' description: OK summary: Read data exchange account per member tags: - data exchange /data_exchange/issuer/{issuer_client_guid}/grants: get: description: | Use this endpoint to list grants belonging to the issuing client in a data exchange context. This endpoint requires standard Platform API authentication. operationId: dataExchangeListGrantsByIssuer parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/issuerClientGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' responses: '200': content: application/json: schema: $ref: '#/components/schemas/DataExchangeGrantsResponseBody' description: OK summary: List data exchange grants by issuer tags: - data exchange /data_exchange/grant: get: description: | Use this endpoint to read the details of a `grant` with the given `issuer_guid` and grantee GUIDs. For a grant to return, you must pass each `grantee_guid` belonging to the `grant`. If a `grant` has two grantees on it and you only include one `grantee_guid`, the `grant` will not be returned. This endpoint requires standard Platform API authentication. operationId: dataExchangeReadGrant parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/issuerGuid' - $ref: '#/components/parameters/granteeGuids' responses: '200': content: application/json: schema: $ref: '#/components/schemas/DataExchangeGrantResponseBody' description: OK summary: Read data exchange grant tags: - data exchange /data_exchange/grantee/{grantee_client_guid}/grants: get: description: | Use this endpoint to list grants belonging to a grantee client in a data exchange context. This endpoint requires standard Platform API authentication. operationId: dataExchangeListGrantsByGrantee parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/granteeClientGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' responses: '200': content: application/json: schema: $ref: '#/components/schemas/DataExchangeGrantsResponseBody' description: OK summary: List data exchange grants by grantee tags: - data exchange /data_exchange/grantee/{grantee_client_guid}/grants/{grant_guid}/token: post: description: | Use this endpoint to create a data exchange token, which is required for all data exchange endpoints. operationId: dataExchangeCreateToken parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/granteeClientGuid' - $ref: '#/components/parameters/grantGuid' responses: '201': content: application/json: schema: $ref: '#/components/schemas/DataExchangeTokenResponseBody' description: OK summary: Create data exchange token tags: - data exchange /data_exchange/users/{user_identifier}/transactions: get: description: | Use this endpoint to list transactions belonging to a specific user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. This defaults to 90 days prior to the day of the request. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeListTransactionsByUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsSlimResponseBody' description: OK summary: List data exchange transactions by user tags: - data exchange /data_exchange/users/{user_identifier}/accounts/{account_guid}/transactions: get: description: | Use this endpoint to list transactions belonging to a specific account of a user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. This defaults to 90 days prior to the day of the request. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeListTransactionsByAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsSlimResponseBody' description: OK summary: List data exchange transactions by account tags: - data exchange /data_exchange/users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}/transactions: get: description: | Use this endpoint to list transactions belonging to a specific account under a specific member of a user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. This defaults to 90 days prior to the day of the request. To obtain a token, use the [Create Data Exchange Token endpoint](/api-reference/platform-api/v20260929/reference/data-exchange/create-data-exchange-token). operationId: dataExchangeListTransactionsByAccountPerMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsSlimResponseBody' description: OK summary: List data exchange transactions by account per member tags: - data exchange /data_exchange/users/{user_identifier}/transactions/{transaction_guid}: get: description: | Use this endpoint to read a specific transaction belonging to a user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. Only transactions where `is_manual` is `false` and the `data_scope` matches the grant (`HELD`, `AGGREGATED`, or `ALL`) will be returned. If no matching transaction is found, a `404` is returned. operationId: dataExchangeReadTransaction parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/transactionGuid' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionSlimResponseBody' description: OK summary: Read data exchange transaction tags: - data exchange /data_exchange/users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}/transactions/{transaction_identifier}: get: description: | Use this endpoint to read a specific transaction under a specific member and account of a user of the issuing client in a data exchange context. This endpoint requires both standard Platform API authentication and a valid `MX-3DX-TOKEN` header. Only transactions where `is_manual` is `false` and the `data_scope` matches the grant (`HELD`, `AGGREGATED`, or `ALL`) will be returned. If no matching transaction is found, a `404` is returned. operationId: dataExchangeReadTransactionByAccountPerMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/transactionIdentifier' - $ref: '#/components/parameters/mx3dxToken' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionSlimResponseBody' description: OK summary: Read data exchange transaction by account per member tags: - data exchange /institutions: get: description: Lists financial institutions available through the MX platform. operationId: listInstitutions parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/institutionName' - $ref: '#/components/parameters/isoCountryCode' - $ref: '#/components/parameters/includeBlockedInstitutions' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/institutionProducts' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InstitutionsResponseBody' description: OK summary: List institutions tags: - institutions /institutions/favorites: get: description: This endpoint returns a paginated list containing institutions that have been set as favorites, sorted by popularity. Please contact MX to set a list of favorites. operationId: listFavoriteInstitutions parameters: - $ref: '#/components/parameters/isoCountryCode' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InstitutionsResponseBody' description: OK summary: List favorite institutions tags: - institutions /institutions/{institution_identifier}: get: description: This endpoint returns information about the institution specified by `institution_identifier`, which can be either the institution `code` or the institution `guid`. operationId: readInstitution parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/institutionIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InstitutionResponseBody' description: OK summary: Read institution tags: - institutions /institutions/{institution_identifier}/credentials: get: description: | Use this endpoint to see which credentials will be needed to create a member for a specific institution. Passing an invalid `institution_identifier` returns a `404`. operationId: listInstitutionCredentials parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/institutionIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CredentialsResponseBody' description: OK summary: List institution credentials tags: - institutions /merchant_locations/{merchant_location_guid}: get: description: This endpoint returns the specified `merchant_location` resource. The `merchant_location_guid` can be found on `transaction` objects. operationId: readMerchantLocation parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/merchantLocationGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MerchantLocationResponseBody' description: OK summary: Read merchant location tags: - merchants /merchants: get: description: This endpoint returns a paginated list of all the merchants in the MX system. operationId: listMerchants parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/merchantName' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MerchantsResponseBody' description: OK summary: List merchants tags: - merchants /merchants/{merchant_guid}: get: description: Returns information about a particular merchant, such as a logo, name, and website. operationId: readMerchant parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/merchantGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MerchantResponseBody' description: OK summary: Read merchant tags: - merchants /transactions/enhance: post: description: Use this endpoint to categorize, cleanse, and classify transactions. These transactions are not persisted or stored on the MX platform. operationId: enhanceTransactions parameters: - $ref: '#/components/parameters/acceptVersion' requestBody: content: application/json: schema: $ref: '#/components/schemas/EnhanceTransactionsRequestBody' example: transactions: - amount: 61.11 description: ubr* pending.uber.com extended_transaction_type: partner_transaction_type id: ID-123 memo: Additional-information*on_transaction merchant_category_code: 4121 type: DEBIT description: Transaction object to be enhanced required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/EnhanceTransactionsResponseBody' description: OK summary: Enhance transactions tags: - transactions /users: get: description: Use this endpoint to list every user you've created in the MX Platform API. operationId: listUsers parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userId' - $ref: '#/components/parameters/userEmail' - $ref: '#/components/parameters/userIsDisabled' responses: '200': content: application/json: schema: $ref: '#/components/schemas/UsersResponseBody' description: OK summary: List users tags: - users post: description: Use this endpoint to create a new user. The API will respond with the newly-created user object if successful, containing a `guid` that you'll set as the `user_guid` in other requests when required. Disabling a user means that accounts and transactions associated with it will not be updated in the background by MX. It will also restrict access to that user’s data until they are no longer disabled. operationId: createUser parameters: - $ref: '#/components/parameters/acceptVersion' requestBody: content: application/json: schema: $ref: '#/components/schemas/UserCreateRequestBody' example: user: email: example@example.com id: My-Unique-ID is_disabled: false metadata: '{"type": "individual", "status": "preferred"}' description: User object to be created. (None of these parameters are required, but the user object cannot be empty) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/UserResponseBody' description: OK summary: Create user tags: - users /users/{user_identifier}: delete: description: | Use this endpoint to delete the specified `user`. The response will have a status of `204 No Content` without an object. Deleting a user is permanent. Deleted users can never be restored. For more info, see [Deleting Objects](/api-reference/platform-api/v20260929/overview/introduction#deleting-objects). operationId: deleteUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/acceptHeader' - $ref: '#/components/parameters/userIdentifier' responses: '204': description: No Content summary: Delete user tags: - users get: description: Use this endpoint to read the attributes of a specific user. operationId: readUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/UserResponseBody' description: OK summary: Read user tags: - users put: description: Use this endpoint to update the attributes of the specified user. operationId: updateUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' requestBody: content: application/json: schema: $ref: '#/components/schemas/UserUpdateRequestBody' example: user: email: example@example.com id: My-Unique-ID is_disabled: false metadata: '{"first_name": "Steven", "last_name": "Universe"}' description: User object to be updated (None of these parameters are required, but the user object cannot be empty.) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/UserResponseBody' description: OK summary: Update user tags: - users /users/{user_identifier}/accounts: get: description: | This endpoint returns a list of all the accounts associated with the specified `user`. This request will not return the full account number. It may return the last four digits of the account number if that information has been provided during aggregation. If you need the full account number, please refer to [List account numbers by member](/api-reference/platform-api/v20260929/reference/accounts/list-account-numbers-by-member) or [List account numbers by account](/api-reference/platform-api/v20260929/reference/accounts/list-account-numbers-by-account). operationId: listUserAccounts parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/acceptHeader' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/memberIsManagedByUser' - $ref: '#/components/parameters/accountIsManual' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/useCase' - $ref: '#/components/parameters/includesAccount' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountsIncludesResponseBody' description: OK summary: List accounts tags: - accounts post: description: | This endpoint can only be used to create manual accounts. Creating a manual account will automatically create it under the Manual Institution member. Since a manual account has no credentials tied to the member, the account will never aggregate or include data from a data feed. You must use the user `guid` when setting `user_identifier` in the path. operationId: createManualAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' requestBody: content: application/json: schema: $ref: '#/components/schemas/AccountCreateRequestBody' example: account: account_subtype: PERSONAL account_type: CHECKING apy: 2.35 available_balance: 1000 balance: 1000 currency_code: USD interest_rate: 3.25 is_business: false is_closed: false is_hidden: false metadata: some metadata name: Test account 2 nickname: Swiss Account skip_webhook: true description: Manual account object to be created. required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountSlimResponseBody' description: OK summary: Create manual account tags: - accounts /users/{user_guid}/accounts/{account_guid}: get: description: This endpoint returns the specified `account` resource. operationId: readAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/includesAccount' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountIncludesResponseBody' description: OK summary: Read account tags: - accounts delete: description: This endpoint deletes accounts that were manually created. The API will respond with an empty object and a status of `204 No Content`. operationId: deleteManualAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/acceptHeader' - $ref: '#/components/parameters/userGuid' responses: '204': description: No content. summary: Delete manual account tags: - accounts /users/{user_identifier}/accounts/{account_identifier}/account_numbers: get: description: This endpoint returns a list of account numbers associated with the specified `account`. operationId: listAccountNumbersByAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountNumbersResponseBody' description: OK summary: List account numbers by account tags: - accounts /users/{user_guid}/accounts/{account_guid}/date_range_category_totals: get: tags: - categories summary: List category totals by account operationId: listDateRangeCategoryTotalsByAccount description: Returns a list of categories that have transactions dated within the provided date range, and the total of all transactions that belong to each category. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/fromDateRequired' - $ref: '#/components/parameters/toDateRequired' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/DateRangeCategoryTotalsResponseBody' /users/{user_guid}/date_range_category_totals: get: tags: - categories summary: List category totals by user operationId: listCategoryTotalsByUser description: Returns a list of categories that have transactions dated within the provided date range, and the total of all transactions that belong to each category. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/fromDateRequired' - $ref: '#/components/parameters/toDateRequired' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/DateRangeCategoryTotalsResponseBody' /users/{user_guid}/accounts/{account_guid}/block: put: description: | This endpoint is used to delete existing data and block new data from being stored on the specified account. This may be necessary to comply with certain rules, regulations, or standards. This endpoint also: - Immediately and permanently deletes most data from the account object. Certain information is retained that is necessary for MX to prevent the account from being re-added. - Prevents MX from creating or storing any additional data associated with the account, for example transactions, holdings, statements, and so on. - Immediately and permanently deletes all data associated with the account, for example transactions, holdings, statements, etc. This action is scoped to the member the account belongs to. This means that if the real world account is connected or reconnected via another member, the block will have no effect on that account. This action cannot be taken on accounts where `is_manual` is `true`. Objects deleted as a result of blocking an account will issue a webhook for that object with the action set to deleted. For example, account deleted, transaction deleted, and so on. There is no special webhook or action for blocking. operationId: blockAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/userGuid' responses: '200': description: OK summary: Block an account tags: - accounts /users/{user_guid}/accounts/{account_guid}/insights: get: description: Use this endpoint to list all insights associated with an account GUID. operationId: listInsightsByAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InsightsResponseBody' description: OK summary: List insights by account tags: - insights /users/{user_guid}/accounts/merge: post: operationId: mergeAccounts tags: - accounts summary: Merge accounts description: | Merge two or more financial accounts that an end user has identified as duplicates. Provide at least two account GUIDs belonging to the same user. The response will return a single consolidated account. Any other accounts you provided that were not included in the response will be deleted. This is a destructive action and can't be undone. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/AccountsMergeRequestBody' example: account: account_guids: - ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 - ACT-e1b1e9e7-9436-4720-a1b5-f02373433bd4 responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/AccountResponseBody' /users/{user_guid}/accounts/{account_guid}/monthly_account_balances: get: description: Use this endpoint to list all monthly account balances associated with an account GUID. Setting `from_date` returns account balances starting from the set month. Setting `to_date` returns account balances ending with the set month. operationId: listAccountBalancesByMonth parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/fromDateRequired' - $ref: '#/components/parameters/toDateRequired' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MonthlyAccountBalancesResponseBody' description: OK summary: List account balances by month tags: - accounts /users/{user_identifier}/transactions: get: description: Requests to this endpoint return a list of transactions associated with the specified `user`, across all members and accounts associated with that `user`. operationId: listTransactions parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/fromDate' - $ref: '#/components/parameters/toDate' - $ref: '#/components/parameters/fromCreatedAt' - $ref: '#/components/parameters/toCreatedAt' - $ref: '#/components/parameters/fromUpdatedAt' - $ref: '#/components/parameters/toUpdatedAt' - $ref: '#/components/parameters/categoryGuidQuery' - $ref: '#/components/parameters/categoryGuidQueryArray' - $ref: '#/components/parameters/topLevelCategoryGuid' - $ref: '#/components/parameters/topLevelCategoryGuidArray' - $ref: '#/components/parameters/useCase' - $ref: '#/components/parameters/includes' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsIncludesResponseBody' description: OK summary: List transactions tags: - transactions /users/{user_identifier}/accounts/{account_guid}/transactions: post: operationId: createManualTransaction tags: - transactions summary: Create manual transaction description: | This endpoint can only be used to create manual transactions that are under a manual account. This endpoint accepts the optional MX-Skip-Webhook header and `skip_webhook` parameter. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/accountGuid' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/TransactionCreateRequestBody' example: transaction: amount: 61.11 date: '2016-10-06' description: Whole foods type: DEBIT category_guid: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e currency_code: USD has_been_viewed: false is_hidden: false is_international: false memo: This is a memo metadata: some metadata skip_webhook: true responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/TransactionSlimResponseBody' get: description: Requests to this endpoint return a list of transactions associated with the specified account. operationId: listTransactionsByAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/fromDate' - $ref: '#/components/parameters/toDate' - $ref: '#/components/parameters/fromCreatedAt' - $ref: '#/components/parameters/toCreatedAt' - $ref: '#/components/parameters/fromUpdatedAt' - $ref: '#/components/parameters/toUpdatedAt' - $ref: '#/components/parameters/categoryGuidQuery' - $ref: '#/components/parameters/categoryGuidQueryArray' - $ref: '#/components/parameters/topLevelCategoryGuid' - $ref: '#/components/parameters/topLevelCategoryGuidArray' - $ref: '#/components/parameters/includes' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsIncludesResponseBody' description: OK summary: List transactions by account tags: - transactions /users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}/transactions: get: description: Requests to this endpoint return a list of transactions associated with the specified account. operationId: listTransactionsByAccountPerMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/fromDate' - $ref: '#/components/parameters/toDate' - $ref: '#/components/parameters/fromCreatedAt' - $ref: '#/components/parameters/toCreatedAt' - $ref: '#/components/parameters/fromUpdatedAt' - $ref: '#/components/parameters/toUpdatedAt' - $ref: '#/components/parameters/categoryGuidQuery' - $ref: '#/components/parameters/categoryGuidQueryArray' - $ref: '#/components/parameters/topLevelCategoryGuid' - $ref: '#/components/parameters/topLevelCategoryGuidArray' - $ref: '#/components/parameters/includes' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsIncludesResponseBody' description: OK summary: List transactions by account per member tags: - transactions /users/{user_guid}/categories: get: description: Use this endpoint to list all categories associated with a `user`, including both default and custom categories. operationId: listCategories parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoriesResponseBody' description: OK summary: List categories tags: - categories post: description: Use this endpoint to create a new custom category for a specific `user`. operationId: createCategory parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/CategoryCreateRequestBody' example: category: metadata: some metadata name: Online Shopping parent_guid: CAT-aad51b46-d6f7-3da5-fd6e-492328b3023f description: Custom category object to be created required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoryResponseBody' description: OK summary: Create category tags: - categories /users/{user_guid}/categories/default: get: description: Use this endpoint to retrieve a list of all the default categories and subcategories, scoped by user, offered within the MX Platform API. In other words, each item in the returned list will have its `is_default` field set to `true`. There are currently 119 default categories and subcategories. Both the _list default categories_ and _list default categories by user_ endpoints return the same results. The different routes are provided for convenience. operationId: listDefaultCategoriesByUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoriesResponseBody' description: OK summary: List default categories by user tags: - categories /users/{user_guid}/categories/{category_guid}: delete: description: Use this endpoint to delete a specific custom category according to its unique GUID. The API will respond with an empty object and a status of `204 No Content`. operationId: deleteCategory parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/categoryGuid' - $ref: '#/components/parameters/userGuid' responses: '204': description: No Content summary: Delete category tags: - categories get: description: Use this endpoint to read the attributes of either a default category or a custom category. operationId: readCategory parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/categoryGuid' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoryResponseBody' description: OK summary: Read a custom category tags: - categories put: description: Use this endpoint to update the attributes of a custom category according to its unique GUID. operationId: updateCategory parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/categoryGuid' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/CategoryUpdateRequestBody' example: category: metadata: some metadata name: Web shopping description: Category object to be updated (While no single parameter is required, the `category` object cannot be empty) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoryResponseBody' description: OK summary: Update category tags: - categories /users/{user_guid}/insights: get: description: Use this endpoint to list all the insights associated with the user. operationId: listInsightsUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InsightsResponseBody' description: OK summary: List all insights for a user tags: - insights /users/{user_guid}/insights/{insight_guid}/categories: get: description: Use this endpoint to list all the categories associated with the insight. operationId: listCategoriesInsight parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/insightGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CategoriesResponseBody' description: OK summary: List all categories associated with an insight tags: - insights /users/{user_guid}/insights/{insight_guid}/accounts: get: description: Use this endpoint to list all the accounts associated with the insight. operationId: listAccountsInsight parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/insightGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountsResponseBody' description: OK summary: List all accounts associated with an insight tags: - insights /users/{user_guid}/insights/{insight_guid}/merchants: get: description: Use this endpoint to list all the merchants associated with the insight. operationId: listMerchantsInsight parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/insightGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MerchantsResponseBody' description: OK summary: List all merchants associated with an insight tags: - insights /users/{user_identifier}/insights/{insight_guid}/repeating_transactions: get: description: Use this endpoint to list all the repeating transactions associated with the insight. operationId: listRepeatingTransactionsInsight parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/insightGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/RepeatingTransactionsResponseBody' description: OK summary: List all repeating transactions associated with an insight tags: - insights /users/{user_guid}/insights/{insight_guid}/scheduled_payments: get: description: Use this endpoint to list all the scheduled payments associated with the insight. operationId: listScheduledPaymentsInsight parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/insightGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/ScheduledPaymentsResponseBody' description: OK deprecated: true summary: List all scheduled payments associated with an insight tags: - insights /users/{user_guid}/insights/{insight_guid}/transactions: get: description: Use this endpoint to list all the transactions associated with the insight. operationId: listTransactionsInsight parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/insightGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsResponseBody' description: OK summary: List all transactions associated with an insight tags: - insights /users/{user_guid}/insights/{insight_guid}: get: description: Use this endpoint to read the attributes of an insight according to its unique GUID. operationId: readInsightUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/insightGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InsightResponseBody' description: OK summary: Read insight tags: - insights put: description: Use this endpoint to update the attributes of an insight according to its unique GUID. operationId: updateInsight parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/insightGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/InsightUpdateRequestBody' example: insight: has_been_displayed: false is_dismissed: false description: The insight to be updated (None of these parameters are required, but the user object cannot be empty.) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/InsightResponse' description: OK summary: Update insight tags: - insights /users/{user_identifier}/members: get: description: This endpoint returns an array which contains information on every member associated with a specific user. operationId: listMembers parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/useCase' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MembersSlimResponseBody' description: OK summary: List members tags: - members post: description: |- This endpoint allows you to create a new member using the required parameters `institution_code`, `credentials` (if creating a non-OAuth member), and `data_request.products`. When creating a non-OAuth member, include the correct type of credential required by the financial institution and provided by the user. You can find out which credential type is required with the `/institutions/{institution_code}/credentials` endpoint.

Once you successfully create a member, MX will immediately validate the provided credentials and attempt to aggregate data. OAuth members will not begin aggregation until the user completes authorization; aggregation initiates automatically after the OAuth flow is completed.

**Response status codes:**
- `200` - Member created, no aggregation job initiated.
- `201` - Member created, but one or more products in `data_request` failed.
- `202` - Member created, aggregation requested. Does not indicate aggregation success or failure. operationId: createMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/xCallback' - $ref: '#/components/parameters/userIdentifier' requestBody: content: application/json: schema: $ref: '#/components/schemas/MemberCreateRequestBody' example: data_request: products: - transactions member: background_aggregation_is_disabled: false credentials: - guid: CRD-27d0edb8-1d50-5b90-bcbc-be270ca42b9f value: password id: unique_id institution_code: mxbank is_oauth: false metadata: '{"credentials_last_refreshed_at": "2015-10-15"}' use_cases: - PFM description: Member object to be created required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberSlimNoErrorResponseBody' description: OK '201': content: application/json: schema: $ref: '#/components/schemas/MemberSlimResponseBody' description: Created '202': content: application/json: schema: $ref: '#/components/schemas/MemberSlimNoErrorResponseBody' description: Accepted summary: Create member tags: - members /users/{user_identifier}/members/{member_identifier}: delete: description: Accessing this endpoint will permanently delete a member. operationId: deleteMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '204': description: No Content summary: Delete member tags: - members get: description: Use this endpoint to read the attributes of a specific member. operationId: readMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/acceptLanguage' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberSlimResponseBody' description: OK summary: Read member tags: - members put: description: Use this endpoint to update a members attributes. Only the credentials, id, and metadata parameters can be updated. To get a list of the required credentials for the member, use the list member credentials endpoint. operationId: updateMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/xCallback' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' requestBody: content: application/json: schema: $ref: '#/components/schemas/MemberUpdateRequestBody' example: member: background_aggregation_is_disabled: false credentials: - guid: CRD-27d0edb8-1d50-5b90-bcbc-be270ca42b9f value: password id: unique_id metadata: '{"credentials_last_refreshed_at": "2015-10-15"}' use_cases: - PFM description: Member object to be updated (While no single parameter is required, the request body can't be empty) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberSlimResponseBody' description: OK summary: Update member tags: - members /users/{user_guid}/members/{member_guid}/account_numbers: get: description: This endpoint returns a list of account numbers associated with the specified `member`. operationId: listAccountNumbersByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountNumbersResponseBody' description: OK summary: List account numbers by member tags: - accounts /users/{user_identifier}/members/{member_identifier}/account_owners: get: description: This endpoint returns an array with information about every account associated with a particular member. operationId: listAccountOwnersByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountOwnersResponseBody' description: OK summary: List account owners by member tags: - accounts /users/{user_identifier}/members/{member_identifier}/account_verification: post: description: This endpoint begins an instant account verification process for a member. operationId: accountVerification parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/xCallback' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: OK summary: Account Verification tags: - members /users/{user_identifier}/members/{member_identifier}/identity_match: post: tags: - identity match summary: Identity match x-hidden: true description: | Verify user identity by comparing submitted personal information with account owner data. Accepts name, address, phone number, and email, then returns match scores for each field plus an overall confidence score. Scores range from 0 to 1. Name can be either personal (first, middle, last) or company, but not both. operationId: createIdentityMatch parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/IdentityMatchRequestBody' example: identity_match: name: first: John middle: Q last: Doe company: Acme Corporation address: line_1: 123 Main St line_2: Apt 4B line_3: Building C city: Anytown region: CA postal_code: '12345' country: US email: john.doe@example.com phone_number: (555) 555-5555 responses: '200': description: Identity match successfully processed. content: application/json: schema: $ref: '#/components/schemas/IdentityMatchResponseBody' /users/{user_identifier}/members/{member_identifier}/accounts: get: description: This endpoint returns a list of all the accounts associated with the specified `member`. operationId: listMemberAccounts parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIsManagedByUser' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/includesAccount' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountsIncludesResponseBody' description: OK summary: List member accounts tags: - accounts /users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}: get: description: This endpoint allows you to read the attributes of an `account` resource. operationId: readAccountByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/includesAccount' responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountIncludesResponseBody' description: OK summary: Read member account tags: - accounts put: description: This endpoint allows you to update certain attributes of an `account` resource, including manual accounts. For manual accounts, you can update every field listed. For aggregated accounts, you can only update `is_business`, `is_hidden` and `metadata`. operationId: updateAccountByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/includesAccount' requestBody: content: application/json: schema: $ref: '#/components/schemas/AccountUpdateRequestBody' example: account: account_subtype: PERSONAL account_type: CHECKING apy: 2.35 available_balance: 1000 balance: 1000 currency_code: USD interest_rate: 1 is_business: false is_closed: false is_hidden: false metadata: some metadata name: Test account 2 nickname: Swiss Account skip_webhook: true required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/AccountIncludesResponseBody' description: OK summary: Update account by member tags: - accounts /users/{user_identifier}/members/{member_identifier}/balance: post: description: This endpoint operates much like the aggregate member endpoint except that it gathers only account balance information; it does not gather any transaction data. operationId: aggregateAccountBalances parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Aggregate Account Balances tags: - members /users/{user_identifier}/members/{member_identifier}/challenges: get: description: Use this endpoint for information on what multi-factor authentication challenges need to be answered in order to aggregate a member. If the aggregation is not challenged, i.e., the member does not have a connection status of `CHALLENGED`, then code `204 No Content` will be returned. If the aggregation has been challenged, i.e., the member does have a connection status of `CHALLENGED`, then code `200 OK` will be returned - along with the corresponding credentials. operationId: listMemberChallenges parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/ChallengesResponseBody' description: OK summary: List member challenges tags: - members /users/{user_identifier}/members/{member_identifier}/credentials: get: description: This endpoint returns an array which contains information on every non-MFA credential associated with a specific member. operationId: listMemberCredentials parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CredentialsResponseBody' description: OK summary: List member credentials tags: - members /users/{user_guid}/members/{member_guid}/investment_holdings: get: description: This endpoint lists all holdings associated with the specified member. operationId: listHoldingsByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InvestmentHoldingsResponseBody' description: OK summary: List holdings by member tags: - investment holdings /users/{user_guid}/investment_holdings: get: description: This endpoint lists all holdings associated with the user across all accounts. operationId: listHoldings parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InvestmentHoldingsResponseBody' description: OK summary: List holdings by user tags: - investment holdings /users/{user_guid}/investment_holdings/{holding_guid}: get: description: Use this endpoint to read the attributes of a specific `holding`. operationId: readHolding parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/holdingGuid' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InvestmentHoldingResponseBody' description: OK summary: Read holding tags: - investment holdings /users/{user_guid}/accounts/{account_guid}/investment_holdings: get: description: This endpoint lists all holdings associated with the particular account defined. operationId: listHoldingsByAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InvestmentHoldingsResponseBody' description: OK summary: List holdings by account tags: - investment holdings /users/{user_guid}/investment_holdings_deactivate: get: description: This endpoint deactivates the specific user from the `/investment_holdings` product. To reactivate a user, use any of the current `/investment_holding` endpoints. operationId: deactivateUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InvestmentHoldingsDeactivation' description: OK summary: Deactivate user from Investment Holdings tags: - investment holdings /users/{user_identifier}/members/{member_identifier}/identity_verification: post: description: The identify endpoint begins an account owner identification process for the member. operationId: identityVerification parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Identity Verification tags: - members /users/{user_identifier}/members/{member_identifier}/oauth/authorization_url: post: description: Generate an `authorization_url` for OAuth authorization of the specified member during the connection flow. operationId: createOauthAuthorizationUrl parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' requestBody: content: application/json: schema: $ref: '#/components/schemas/OauthAuthorizationUrlRequestBody' example: data_request: products: - transactions oauth: client_redirect_url: https://{yoursite.com} enable_app2app: false referral_source: APP description: The `data_request` body is required. The `oauth` body is optional, but if provided, it can't be empty. required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/OauthAuthorizationUrlResponseBody' description: OK summary: Create OAuth Authorization URL tags: - widgets /users/{user_identifier}/members/{member_identifier}/resume: put: description: This endpoint answers the challenges needed when a member has been challenged by multi-factor authentication. operationId: resumeAggregation parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' requestBody: content: application/json: schema: $ref: '#/components/schemas/MemberResumeRequestBody' example: member: challenges: - guid: CRD-27d0edb8-1d50-5b90-bcbc-be270ca42b9f value: password description: Member object with MFA challenge answers required: true responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberSlimResponseBody' description: Accepted summary: Resume aggregation tags: - members /users/{user_identifier}/members/{member_identifier}/statements: get: description: Use this endpoint to get an array of available statements. operationId: listStatementsByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/StatementsResponseBody' description: OK summary: List statements by member tags: - statements post: description: Use this endpoint to aggregate the statements associated for the member. operationId: aggregateStatements parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Aggregate Statements tags: - statements /users/{user_identifier}/members/{member_identifier}/statements/{statement_guid}: get: description: Use this endpoint to read a JSON representation of the statement. operationId: readStatementByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/statementGuid' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/StatementResponseBody' description: OK summary: Read statement by member tags: - statements /users/{user_identifier}/members/{member_identifier}/statements/{statement_guid}.pdf: get: description: Use this endpoint to download a specified statement PDF. operationId: downloadStatementPDF parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/statementGuid' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/vnd.mx.api.v1+pdf: schema: format: binary type: string description: OK summary: Download statement pdf tags: - statements /users/{user_identifier}/members/{member_identifier}/status: get: description: This endpoint provides the status of the members most recent aggregation event. The results returned by this endpoint should determine what you do next in order to successfully aggregate a member. operationId: readMemberStatus parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/acceptLanguage' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: OK summary: Read member status tags: - members /users/{user_identifier}/members/{member_identifier}/transactions: get: description: Requests to this endpoint return a list of transactions associated with the specified `member`, across all accounts associated with that `member`. operationId: listTransactionsByMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/fromDate' - $ref: '#/components/parameters/toDate' - $ref: '#/components/parameters/fromCreatedAt' - $ref: '#/components/parameters/toCreatedAt' - $ref: '#/components/parameters/fromUpdatedAt' - $ref: '#/components/parameters/toUpdatedAt' - $ref: '#/components/parameters/categoryGuidQuery' - $ref: '#/components/parameters/categoryGuidQueryArray' - $ref: '#/components/parameters/topLevelCategoryGuid' - $ref: '#/components/parameters/topLevelCategoryGuidArray' - $ref: '#/components/parameters/includes' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsIncludesResponseBody' description: OK summary: List transactions by member tags: - transactions post: description: Calling this endpoint initiates a transaction aggregation event for the member. This brings in the latest account and transaction data from the connected institution. If this data has recently been updated, MX may not initiate an aggregation event. operationId: aggregateTransactions parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/xCallback' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Aggregate Transactions tags: - members /users/{user_identifier}/members/{member_identifier}/transaction_history: post: description: | Some institutions allow access an extended transaction history with up to 24 months of data associated with a particular member. The process for fetching and then reading this extended transaction history is much like standard aggregation, and it may trigger multi-factor authentication. operationId: aggregateTransactionHistory parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Aggregate Transaction History tags: - members /users/{user_guid}/spending_plans/{spending_plan_guid}/iterations/current/iteration_items: post: description: This endpoint creates a new `spending_plan_iteration_item`. operationId: createSpendingPlanIterationItem parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/spendingPlanGuid' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationItemCreateRequestBody' description: Iteration item to be created with required parameter (planned_amount) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationItemResponse' description: OK summary: Create spending plan iteration item tags: - spending plan get: description: Use this endpoint to list all the spending plan `iteration_items` associated with the `iteration`. operationId: listSpendingPlanIterationItems parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationItemsResponseBody' description: OK summary: List spending plan iteration items tags: - spending plan /users/{user_guid}/spending_plans: post: description: This endpoint creates a new `spending_plan` for the user. operationId: createSpendingPlan parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanResponse' description: OK summary: Create spending plan tags: - spending plan get: description: Use this endpoint to list all the spending plans associated with the user. operationId: listSpendingPlans parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlansResponseBody' description: OK summary: List spending plans tags: - spending plan /users/{user_guid}/spending_plans/{spending_plan_guid}/spending_plan_accounts/{spending_plan_account_guid}: delete: description: Use this endpoint to delete a `spending_plan_account`. operationId: deleteSpendingPlanAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' - $ref: '#/components/parameters/spendingPlanAccountGuid' responses: '204': description: No Content summary: Delete spending plan account tags: - spending plan get: description: Use this endpoint to read the attributes of a specific spending plan account according to its unique GUID. operationId: readSpendingPlanAccount parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' - $ref: '#/components/parameters/spendingPlanAccountGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanAccountResponse' description: OK summary: Read spending plan account tags: - spending plan /users/{user_guid}/spending_plans/{spending_plan_guid}/iterations/current/iteration_items/{iteration_item_guid}: delete: description: Use this endpoint to delete a spending plan `iteration_item`. operationId: deleteSpendingPlanIterationItem parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' - $ref: '#/components/parameters/iterationItemGuid' responses: '204': description: No Content summary: Delete spending plan iteration item tags: - spending plan get: description: Use this endpoint to read the attributes of a specific spending plan `iteration_item` according to its unique GUID. operationId: readSpendingPlanIterationItem parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' - $ref: '#/components/parameters/iterationItemGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationItemResponse' description: OK summary: Read a spending plan iteration item tags: - spending plan put: description: Use this endpoint to update an existing `spending_plan_iteration_item`. operationId: updateSpendingPlanIterationItem parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' - $ref: '#/components/parameters/iterationItemGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationItemCreateRequestBody' description: Iteration item to be updated with required parameter (planned_amount) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationItemResponse' description: OK summary: Update a spending plan iteration item tags: - spending plan /users/{user_guid}/spending_plans/{spending_plan_guid}: delete: description: Use this endpoint to delete a user's `spending_plan`. operationId: deleteSpendingPlan parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' responses: '204': description: No Content summary: Delete spending plan tags: - spending plan get: description: Use this endpoint to read the attributes of a specific spending plan according to its unique GUID. operationId: readSpendingPlanUser parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanResponse' description: OK summary: Read a spending plan for a user tags: - spending plan /users/{user_guid}/spending_plans/{spending_plan_guid}/spending_plan_accounts: get: description: Use this endpoint to list all the spending plan accounts associated with the spending plan. operationId: listSpendingPlanAccounts parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanAccountsResponse' description: OK summary: List spending plan accounts tags: - spending plan /users/{user_guid}/spending_plans/{spending_plan_guid}/iterations: get: description: Use this endpoint to list all the spending plan `iterations` associated with the `spending_plan`. operationId: listSpendingPlanIterations parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationsResponse' description: OK summary: List spending plan iterations tags: - spending plan /users/{user_guid}/spending_plans/{spending_plan_guid}/iterations/current: get: description: Use this endpoint to read the attributes of the current spending plan `iteration`. operationId: readCurrentSpendingPlanIteration parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationResponse' description: OK summary: Read current spending plan iteration tags: - spending plan /users/{user_guid}/spending_plans/{spending_plan_guid}/iterations/{iteration_number}: get: description: Use this endpoint to read the attributes of a specific spending plan `iteration` according to its `iteration_number`. operationId: readSpendingPlanIteration parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/spendingPlanGuid' - $ref: '#/components/parameters/iterationNumber' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SpendingPlanIterationResponse' description: OK summary: Read a spending plan iteration tags: - spending plan /users/{user_guid}/taggings: get: description: Use this endpoint to retrieve a list of all the taggings associated with a specific user. operationId: listTaggings parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TaggingsResponseBody' description: OK summary: List taggings tags: - taggings post: description: Use this endpoint to create a new association between a tag and a particular transaction, according to their unique GUIDs. operationId: createTagging parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/TaggingCreateRequestBody' example: tagging: tag_guid: TAG-40faf068-abb4-405c-8f6a-e883ed541fff transaction_guid: TRN-810828b0-5210-4878-9bd3-f4ce514f90c4 description: Tagging object to be created with required parameters (tag_guid and transaction_guid) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TaggingResponseBody' description: Accepted summary: Create tagging tags: - taggings /users/{user_guid}/taggings/{tagging_guid}: delete: description: Use this endpoint to delete a tagging according to its unique GUID. If successful, the API will respond with an empty body and a status of 204 NO Content. operationId: deleteTagging parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/taggingGuid' - $ref: '#/components/parameters/userGuid' responses: '204': description: No Content summary: Delete tagging tags: - taggings get: description: Use this endpoint to read the attributes of a `tagging` according to its unique GUID. operationId: readTagging parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/taggingGuid' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TaggingResponseBody' description: OK summary: Read tagging tags: - taggings put: description: Use this endpoint to update a tagging. operationId: updateTagging parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/taggingGuid' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/TaggingUpdateRequestBody' example: tagging: tag_guid: TAG-40faf068-abb4-405c-8f6a-e883ed541fff description: Tagging object to be updated with required parameter (tag_guid) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TaggingResponseBody' description: OK summary: Update tagging tags: - taggings /users/{user_guid}/tags: get: description: Use this endpoint to list all tags associated with the specified `user`. Each user includes the `Business` tag by default. operationId: listTags parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TagsResponseBody' description: OK summary: List tags tags: - tags post: description: Use this endpoint to create a new custom tag. operationId: createTag parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/TagCreateRequestBody' example: tag: name: MY TAG description: Tag object to be created with required parameters (tag_guid) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TagResponseBody' description: OK summary: Create tag tags: - tags /users/{user_guid}/tags/{tag_guid}: delete: description: Use this endpoint to permanently delete a specific tag based on its unique GUID. If successful, the API will respond with status of `204 No Content`. operationId: deleteTag parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/tagGuid' - $ref: '#/components/parameters/acceptHeader' - $ref: '#/components/parameters/userGuid' responses: '204': description: No Content summary: Delete tag tags: - tags get: description: Use this endpoint to read the attributes of a particular tag according to its unique GUID. operationId: readTag parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/tagGuid' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TagResponseBody' description: OK summary: Read tag tags: - tags put: description: Use this endpoint to update the name of a specific tag according to its unique GUID. operationId: updateTag parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/tagGuid' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/TagUpdateRequestBody' example: tag: name: MY TAG description: Tag object to be updated with required parameter (tag_guid) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TagResponseBody' description: OK summary: Update tag tags: - tags /users/{user_identifier}/tags/{tag_guid}/transactions: get: description: Use this endpoint to get a list of all transactions associated with a particular tag according to the tag''s unique GUID. This lists all transactions that have been assigned to a particular tag using the create tagging endpoint. operationId: listTransactionsByTag parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/tagGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/fromDate' - $ref: '#/components/parameters/toDate' - $ref: '#/components/parameters/fromCreatedAt' - $ref: '#/components/parameters/toCreatedAt' - $ref: '#/components/parameters/fromUpdatedAt' - $ref: '#/components/parameters/toUpdatedAt' - $ref: '#/components/parameters/categoryGuidQuery' - $ref: '#/components/parameters/categoryGuidQueryArray' - $ref: '#/components/parameters/topLevelCategoryGuid' - $ref: '#/components/parameters/topLevelCategoryGuidArray' - $ref: '#/components/parameters/useCase' - $ref: '#/components/parameters/includes' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionsIncludesResponseBody' description: OK summary: List transactions by tag tags: - transactions /users/{user_guid}/transaction_rules: get: description: Use this endpoint to read the attributes of all existing transaction rules belonging to the user. operationId: listTransactionRules parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionRulesResponseBody' description: OK summary: List transaction rules tags: - transaction rules post: description: | Use this endpoint to create a new transaction rule. The newly-created `transaction_rule` object will be returned if successful. For more information about transaction rules, see the [Transaction Rules Guide](/products/experience/pfm/integration-guides/personalization/transaction-rules). operationId: createTransactionRule parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/TransactionRuleCreateRequestBody' example: transaction_rule: category_guid: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e description: Wal-mart food storage match_description: Wal-mart description: TransactionRule object to be created with optional parameters (description) and required parameters (category_guid and match_description) required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionRuleResponseBody' description: OK summary: Create transaction rule tags: - transaction rules /users/{user_guid}/transaction_rules/{transaction_rule_guid}: delete: description: Use this endpoint to permanently delete a transaction rule based on its unique GUID. operationId: deleteTransactionRule parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/transactionRuleGuid' - $ref: '#/components/parameters/userGuid' responses: '204': description: No Content summary: Delete transaction rule tags: - transaction rules get: description: Use this endpoint to read the attributes of an existing transaction rule based on the rule’s unique GUID. operationId: readTransactionRule parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/transactionRuleGuid' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionRuleResponseBody' description: OK summary: Read transaction rule tags: - transaction rules put: description: | Use this endpoint to update the attributes of a specific transaction rule based on its unique GUID. The API will respond with the updated transaction_rule object. Any attributes not provided will be left unchanged. For more information about transaction rules, see the [Transaction Rules Guide](/products/experience/pfm/integration-guides/personalization/transaction-rules). operationId: updateTransactionRule parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/transactionRuleGuid' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/TransactionRuleUpdateRequestBody' example: transaction_rule: category_guid: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e description: Wal-mart food storage match_description: Wal-mart description: TransactionRule object to be updated required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionRuleResponseBody' description: OK summary: Update transaction rule tags: - transaction rules /users/{user_guid}/transactions/{transaction_guid}: parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/transactionGuid' get: description: Requests to this endpoint will return the attributes of the specified `transaction`. To read a manual transaction, use the manual transaction guid in the path as the `transactionGuid`. operationId: readTransaction responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionIncludesResponseBody' description: OK summary: Read transaction tags: - transactions parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/includes' put: description: Use this endpoint to update a specific transaction according to its unique GUID. operationId: updateTransaction parameters: - $ref: '#/components/parameters/acceptVersion' requestBody: content: application/json: schema: $ref: '#/components/schemas/TransactionUpdateRequestBody' example: transaction: category_guid: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e date: '2016-10-06' description: new description memo: This is a memo description: Transaction object to be updated. While no single parameter is required, the request body can't be empty. required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionSlimResponseBody' description: OK summary: Update transaction tags: - transactions delete: tags: - transactions operationId: deleteManualTransactions parameters: - $ref: '#/components/parameters/acceptVersion' summary: Delete manual transactions description: Delete a manual transaction. In the path, use the manual transaction guid as the `transaction_guid`, such as `MAN-810828b0-5210-4878-9bd3-f4ce514f90c4`. responses: '204': description: No content /users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}/transactions/{transaction_identifier}: parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/transactionIdentifier' get: description: Requests to this endpoint will return the attributes of the specified `transaction`. To read a manual transaction, use the manual transaction guid in the path as the `transactionGuid`. operationId: readTransactionByAccount responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionIncludesResponseBody' description: OK summary: Read transaction by account tags: - transactions parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/includes' put: description: Use this endpoint to update a specific transaction according to its unique GUID. operationId: updateTransactionByAccount parameters: - $ref: '#/components/parameters/acceptVersion' requestBody: content: application/json: schema: $ref: '#/components/schemas/TransactionUpdateRequestBody' example: transaction: category_guid: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e date: '2016-10-06' description: new description memo: This is a memo description: Transaction object to be updated. While no single parameter is required, the request body can't be empty. required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/TransactionSlimResponseBody' description: OK summary: Update transaction by account tags: - transactions /users/{user_identifier}/widget_urls: post: description: | Get an embeddable URL for integrating a widget into your website or app. The URL expires after ten minutes or upon first use, whichever occurs first. You'll need to obtain a new URL each time the page loads or reloads. Include the `widget_type` in the request body to specify which widget you want to embed—the Connect Widget, a Personal Financial Management widget, or an Insights widget. Some request parameters are specific to certain widget types. To embed the Connect Widget, set `widget_type` to `connect_widget`. For a full list of available widget types, see [Widget Types](/api-reference/platform-api/v20260929/reference/widgets#widget-types). operationId: requestWidgetURL parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/acceptLanguage' - $ref: '#/components/parameters/xCallback' - $ref: '#/components/parameters/userIdentifier' requestBody: content: application/json: schema: type: object properties: widget_url: $ref: '#/components/schemas/WidgetRequestBody' required: - widget_url example: widget_url: widget_type: connect_widget color_scheme: light current_institution_code: mxbank data_request: products: - transactions disable_background_agg: false disable_institution_search: false enable_app2app: false iso_country_code: - US - CA is_mobile_webview: false oauth_referral_source: BROWSER style: font_name: Roboto target_origin_referrer: https://yoursite.com use_cases: - PFM description: The widget_url configuration options. required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/WidgetResponseBody' description: OK summary: Request widget URL tags: - widgets /users/{user_guid}/budgets/generate: post: tags: - budgets operationId: autoGenerateBudgets summary: Auto-generate budgets parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' description: This endpoint will automatically create budgets for several categories based on existing transactions; these budgets are returned as an array. Specifically, budgets will only be generated if the `user` has at least one `transaction` in a given category during each of the two previous calendar months. For example, if the request is made on March 6, and there is at least one "Bills & Utilities" `transaction` in both January and February, a budget will be generated for "Bills & Utilities." If there are two "Bills & Utilities" transactions in February but none in January, no budget will be generated for that category. If budgets already exist for particular categories, new budgets will be generated and returned based on the available transactions. If one or more budgets remain unchanged, they will nevertheless be returned in the response. If no transaction data for the `user` meet the above criteria, a `422 Unprocessable Entity` error will be returned with status code 4221 along with the message, `There aren't enough transactions to automatically create any budgets`. responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/BudgetResponseBody' /users/{user_guid}/budgets: parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' post: tags: - budgets operationId: createBudget summary: Create a budget description: Create a budget. This endpoint accepts the optional `MX-Skip-Webhook` header and `skip_webhook` parameter. You cannot create a duplicate budget. For example, if you attempt to create a budget for "Gas", but that budget already exist, the request will fail. You can retrieve a list of all existing categories by using the List Categories endpoint. requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/BudgetCreateRequestBody' example: budget: category_guid: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e parent_guid: BGT-6be44a91-e105-f68a-4770-8c7c0a5c9778 amount: 1000 metadata: Additional information skip_webhook: true responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/BudgetResponseBody' get: tags: - budgets operationId: listAllBudgets summary: List all budgets description: List all budgets responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/BudgetResponseBody' /users/{user_guid}/budgets/{budget_guid}: parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/budgetGuid' get: tags: - budgets operationId: readSpecificBudget summary: Read a specific budget description: Read a specific budget. responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/BudgetResponseBody' put: tags: - budgets operationId: updateSpecificBudget summary: Update a specific budget description: Update a specific budget. requestBody: required: false content: application/json: schema: $ref: '#/components/schemas/BudgetUpdateRequestBody' example: budget: amount: 1000 metadata: Additional information skip_webhook: true responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/BudgetResponseBody' delete: tags: - budgets operationId: deleteBudget summary: Delete a budget description: Delete a budget. responses: '204': description: No content /users/{user_guid}/goals: post: tags: - goals operationId: createGoal summary: Create a goal description: Create a goal. This endpoint accepts the optional `MX-Skip-Webhook` header and `skip_webhook` parameter. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/GoalRequestBody' example: goal: account_guid: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 amount: 4500 goal_type_name: SAVE_AMOUNT meta_type_name: VACATION name: Save for Europe metadata: Additional information position: 3 targeted_to_complete_at: '2026-12-08 00:00:00.000000' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/GoalResponseBody' get: tags: - goals operationId: listGoals summary: List goals description: List all goals a user can set. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/acceptHeader' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/GoalsResponseBody' /users/{user_guid}/goals/{goal_guid}: parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/goalGuid' - $ref: '#/components/parameters/userGuid' delete: tags: - goals operationId: deleteGoal summary: Delete a goal description: Delete a goal. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/acceptHeader' responses: '204': description: No content get: tags: - goals operationId: readGoal summary: Read a goal description: Read a specific goal. responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/GoalResponseBody' put: tags: - goals operationId: updateGoal summary: Update a goal description: This endpoint updates a specific goal. requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/UpdateGoalRequestBody' example: goal: account_guid: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 amount: 4500 goal_type_name: SAVE_AMOUNT meta_type_name: VACATION name: Save for Europe has_been_spent: false is_complete: false metadata: Additional information position: 3 targeted_to_complete_at: '2026-12-08 00:00:00.000000' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/GoalResponseBody' /users/{user_guid}/goals/reposition: put: tags: - goals operationId: repositionGoals summary: Reposition goals description: This endpoint repositions goal priority levels. If one goal is set to a lower priority, then any other goals need to be adjusted accordingly. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/RepositionRequestBody' example: goals: - guid: GOL-97665947-235c-b213-ca25-8cf0174774f5 position: 1 responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/RepositionResponseBody' /users/{user_guid}/notifications: post: tags: - notifications operationId: createNotification summary: Create a notification description: All notifications created through the API will be of notification type `API_NOTIFICATION`, channel `PUSH`, and will not be associated to an entity. No other channels are supported. This will only have an effect for clients using an MX mobile application. parameters: - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/acceptVersion' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/NotificationRequestBody' example: notification: content: You are projected to spend $1,920.07 more than you have budgeted for Fees & Charges. You have already spent $325.67 of $716.00. subject: Monthly Budget Report responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/NotificationResponseBody' get: tags: - notifications operationId: listNotifications summary: List notifications description: All notifications for the user can be listed, including notifications created by MX for other channels besides `PUSH`. parameters: - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPageMax1000' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/acceptVersion' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/NotificationsResponseBody' /users/{user_guid}/notifications/{notification_guid}: get: tags: - notifications operationId: readNotifications summary: Read notifications description: | Can pull up any notification associated with the user, including notifications created by MX for other channels besides `PUSH`. parameters: - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/notificationGuid' - $ref: '#/components/parameters/acceptVersion' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/NotificationResponseBody' /users/{user_guid}/repeating_transactions: get: description: Retrieve a list of all recurring transactions for a user.

For more see the [Repeating Transactions guide](/api-reference/platform-api/v20260929/reference/transactions#repeating-transactions). operationId: repeatingTransactions parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/RepeatingTransactionsResponseBody' description: OK summary: List Repeating Transactions tags: - transactions /users/{user_guid}/repeating_transactions/{repeating_transaction_guid}: get: description: This endpoint returns the specified `repeating_transaction` resource. operationId: readRepeatingTransaction parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/repeatingTransactionGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/RepeatingTransactionResponseBody' description: OK summary: Read Repeating Transaction tags: - transactions /users/{user_guid}/transactions/{transaction_guid}/insights: get: description: Use this endpoint to list all insights associated with a transaction GUID. operationId: listInsightsByTransaction parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/transactionGuid' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/page' - $ref: '#/components/parameters/recordsPerPage' responses: '200': content: application/json: schema: $ref: '#/components/schemas/InsightsResponseBody' description: OK summary: List insights by transaction tags: - insights /users/{user_guid}/transactions/{transaction_guid}/split: parameters: - $ref: '#/components/parameters/transactionGuid' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/acceptVersion' delete: tags: - transactions operationId: deleteSplitTransactions summary: Delete split transactions description: This endpoint deletes all split transactions linked to a parent transaction, but it leaves the parent transaction active. This request will also update the parent transaction's has_been_split field to false. This endpoint accepts the optional MX-Skip-Webhook header. responses: '204': description: No content post: tags: - transactions operationId: createSplitTransactions summary: Create split transactions description: | This endpoint creates two or more child transactions that are branched from a previous transaction. This endpoint allows you to link multiple categories, descriptions, and amounts to a parent transaction. When a split transaction is created, the parent transaction's `has_been_split` field will automatically be updated to true and the child transactions' `parent_guid` will have the transaction guid of the parent. The total amount of the child transactions must equal the amount of the parent transaction. Once a transaction has been split it can't be split again. In order to re-split a transaction, it must first be un-split. This can be done by calling the Delete Split Transactions endpoint. Calling this endpoint will delete the existing child transactions and update the parent transaction's `has_been_split` field to false. You can then re-split the parent transaction by calling Create Split Transaction again. requestBody: content: application/json: schema: $ref: '#/components/schemas/SplitTransactionRequestBody' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SplitTransactionsResponseBody' description: OK /users/{user_identifier}/members/{member_identifier}/accounts/{account_identifier}/transactions/{transaction_identifier}/split: parameters: - $ref: '#/components/parameters/transactionGuid' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/accountIdentifier' - $ref: '#/components/parameters/transactionIdentifier' - $ref: '#/components/parameters/acceptVersion' delete: tags: - transactions operationId: deleteSplitTransactionsbyAccount summary: Delete split transactions by account description: This endpoint deletes all split transactions linked to a parent transaction, but it leaves the parent transaction active. This request will also update the parent transaction's has_been_split field to false. This endpoint accepts the optional MX-Skip-Webhook header. responses: '204': description: No content post: tags: - transactions operationId: createSplitTransactionsbyAccount summary: Create split transactions by account description: | This endpoint creates two or more child transactions that are branched from a previous transaction. This endpoint allows you to link multiple categories, descriptions, and amounts to a parent transaction. When a split transaction is created, the parent transaction's `has_been_split` field will automatically be updated to true and the child transactions' `parent_guid` will have the transaction guid of the parent. The total amount of the child transactions must equal the amount of the parent transaction. Once a transaction has been split it can't be split again. In order to re-split a transaction, it must first be un-split. This can be done by calling the Delete Split Transactions endpoint. Calling this endpoint will delete the existing child transactions and update the parent transaction's `has_been_split` field to false. You can then re-split the parent transaction by calling Create Split Transaction again. requestBody: content: application/json: schema: $ref: '#/components/schemas/SplitTransactionRequestBody' responses: '200': content: application/json: schema: $ref: '#/components/schemas/SplitTransactionsResponseBody' description: OK /users/{user_identifier}/monthly_cash_flow_profile: parameters: - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/acceptVersion' get: tags: - monthly cash flow profile operationId: readMonthlyCashFlowProfile summary: Read monthly cash flow profile description: Read monthly cash flow profile. responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MonthlyCashFlowResponseBody' put: tags: - monthly cash flow profile operationId: updateMonthlyCashFlowProfile summary: Update monthly cash flow profile description: Use this endpoint to update the attributes of a `monthly_cash_flow_profile`. requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/MonthlyCashFlowProfileRequestBody' example: monthly_cash_flow_profile: goals_contribution: 500 uses_estimated_goals_contribution: false responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MonthlyCashFlowResponseBody' /tokens: parameters: - $ref: '#/components/parameters/acceptVersion' get: tags: - processor token operationId: listTokens summary: View a List of Tokens description: View a list of tokens that exist for a user, member, or account. requestBody: content: application/json: schema: $ref: '#/components/schemas/TokenRequestBody' example: scope: account_guid: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 member_guid: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b user_guid: USR-fa7537f3-48aa-a683-a02a-b18940482f54 responses: '200': content: application/json: schema: $ref: '#/components/schemas/TokenResponseBody' description: OK /account/account_numbers: parameters: - $ref: '#/components/parameters/acceptVersion' get: security: - bearerAuth: [] tags: - processor token operationId: requestAccountNumber summary: Request an account number (Processors Only) description: Get account information such as routing number and account number, scoped to your access token. responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/ProcessorAccountNumberBody' /account/check_balance: parameters: - $ref: '#/components/parameters/acceptVersion' post: security: - bearerAuth: [] tags: - processor token operationId: checkRealTimeAccountBalance summary: Check Real Time Account Balance (Processors Only) description: Check the real-time account balance using your access token. responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MemberResponseBody' /payment_account: parameters: - $ref: '#/components/parameters/acceptVersion' get: security: - bearerAuth: [] tags: - processor token operationId: readAccountBalance summary: Read the account balance (Processors Only) description: Read the account balance (Processors Only) responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/PaymentAccountBody' /account/transactions: parameters: - $ref: '#/components/parameters/acceptVersion' get: security: - bearerAuth: [] tags: - processor token operationId: getAccountOwnerInfo summary: Get account owner information (Processors Only) description: Get account owner information (Processors Only) responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/ProcessorOwnerBody' /users/{user_guid}/micro_deposits: get: tags: - microdeposits operationId: listUserMicrodeposits summary: List all microdeposits for a user description: Use this endpoint to read the attributes of a specific microdeposit according to its unique GUID. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MicrodepositsResponseBody' post: tags: - microdeposits operationId: createMicrodeposit summary: Create or pre-initiate a microdeposit description: | Use this endpoint to create or pre-initiate a microdeposit. The response will include the new microdeposit record with a status of `INITIATED` or `PREINITIATED` respectively. To pre-initiate a microdeposit, you only need to set `email` (string), `first_name` (string), and `last_name` (string) in the request body. Pre-initiating a microdeposit allows you to pass the end user's first name, last name, and email if this data has already been collected. If the end user selects an institution which requires the microdeposit flow, the pre-initiated `micro_deposit` will be used and the Connect Widget step that normally requests this info from the end user will be skipped. However, if the end user selects an institution which supports IAV, the pre-initiated `micro_deposit` will be deleted and IAV will be used instead. When requesting a Connect Widget URL after pre-initiating, make sure to set the `current_microdeposit_guid` to the resulting microdeposit's `guid` and set `data_request.products` to include `account_verification`. If you use this enhanced flow, a `micro_deposit` should be pre-initiated for all connect sessions in verification mode. After pre-initiating a microdeposit, pass the GUID to the config as `current_microdeposit_guid` and set `data_request.products` to include `account_verification` when requesting a Connect URL. Pre-initiating a microdeposit is optional. If you choose to implement this flow, it should be used for all Connect Widget sessions in verification mode. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/MicrodepositRequestBody' example: micro_deposit: account_name: My test account account_number: '3331261' account_type: CHECKING email: example@example.com first_name: Josh last_name: Grobanne routing_number: 091000019 required: true responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MicrodepositResponseBody' /users/{user_guid}/micro_deposits/{micro_deposit_guid}: parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/microDepositGuid' - $ref: '#/components/parameters/userGuid' delete: tags: - microdeposits operationId: deleteMicrodeposit summary: Delete a microdeposit description: Use this endpoint to delete the specified microdeposit. responses: '204': description: No Content get: tags: - microdeposits operationId: readUserMicrodeposit summary: Read a microdeposit for a user description: Use this endpoint to read the attributes of a specific microdeposit according to its unique GUID.

Webhooks for microdeposit status changes are triggered when a status changes. The actual status of the microdeposit guid updates every minute. You may force a status update by calling the read microdeposit endpoint. responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MicrodepositResponseBody' /micro_deposits/{micro_deposit_guid}/verify: put: tags: - microdeposits operationId: verifyMicrodeposit summary: Verify a Microdeposit description: Use this endpoint to verify the amounts deposited into the account during a microdeposit verification. The verification has not successfully completed until the `status` is `VERIFIED`. Poll the `/users/{user_guid}/micro_deposits/{micro_deposit_guid}` (read microdeposit) endpoint until you see this status or an error state. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/microDepositGuid' requestBody: content: application/json: schema: $ref: '#/components/schemas/MicrodepositVerifyRequestBody' example: micro_deposit: deposit_amount_1: 0.12 deposit_amount_2: 0.15 responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MicrodepositResponseBody' /users/{user_guid}/account_verifications: get: tags: - microdeposits operationId: listUserVerifications summary: List all verifications for a user description: | This endpoint returns a list of the account verifications associated with the user, as well as the status of those verifications. parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/MicrodepositResponseBody' /users/{user_identifier}/members/{member_identifier}/rewards: get: description: Use this endpoint to list all the `rewards` associated with a specified `member`. Member guids are defined by MX. operationId: listRewards parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/RewardsResponseBody' description: OK summary: List Rewards tags: - rewards post: description: Calling this endpoint initiates an aggregation-type event which will gather the member's rewards information, as well as account and transaction information. Rewards data is also gathered with daily background aggregations. Member and Rewards guids are defined by MX. operationId: aggregateRewards parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: OK summary: Aggregate Rewards tags: - rewards /users/{user_identifier}/members/{member_identifier}/rewards/{reward_guid}: get: description: Use this endpoint to read a specific `reward` based on its unique GUID. Member and Rewards guids are defined by MX. operationId: readRewards parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/rewardGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/RewardResponseBody' description: OK summary: Read Reward tags: - rewards /credit_card_products/{credit_card_product_guid}: get: description: This endpoint returns the specified `credit_card_product` according to the unique GUID. operationId: creditCard parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/creditCardProductGuid' responses: '200': content: application/json: schema: $ref: '#/components/schemas/CreditCardProductResponse' description: OK summary: Read a Credit Card Product tags: - rewards /vc/users/{user_guid}/members/{member_guid}/customers: get: description: Get an MX-issued verifiable credential of a user's identity data. operationId: getIdentityData parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/memberGuid' responses: '200': content: application/vnd.mx.api.v2beta+json: schema: $ref: '#/components/schemas/VCResponse' description: OK summary: Get Identity Data tags: - verifiable credentials /vc/users/{user_guid}/members/{member_guid}/accounts: get: description: Get an MX-issued verifiable credential of a user's accounts data. operationId: getAccountsData parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/memberGuid' responses: '200': content: application/vnd.mx.api.v2beta+json: schema: $ref: '#/components/schemas/VCResponse' description: OK summary: Get Accounts Data tags: - verifiable credentials /vc/users/{user_guid}/accounts/{account_guid}/transactions: get: description: Get an MX-issued verifiable credential of a user's transaction data. operationId: getTransactionsData parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userGuid' - $ref: '#/components/parameters/accountGuid' - $ref: '#/components/parameters/startTime' - $ref: '#/components/parameters/endTime' responses: '200': content: application/vnd.mx.api.v2beta+json: schema: $ref: '#/components/schemas/VCResponse' description: OK summary: Get Transactions Data tags: - verifiable credentials /users/{user_identifier}/members/{member_identifier}/aggregate: post: description: | Use [Aggregate Transactions](/api-reference/platform-api/v20260929/reference/members/aggregate-transactions) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). Calling this endpoint initiates a transaction aggregation event for the member. This brings in the latest account and transaction data from the connected institution. If this data has recently been updated, MX may not initiate an aggregation event. operationId: aggregateMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/xCallback' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Aggregate member tags: - members deprecated: true /users/{user_identifier}/members/{member_identifier}/check_balance: post: description: | Use [Aggregate Account Balances](/api-reference/platform-api/v20260929/reference/members/aggregate-account-balances) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). This endpoint operates much like the aggregate member endpoint except that it gathers only account balance information; it does not gather any transaction data. operationId: checkBalances parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Check balances tags: - members deprecated: true /users/{user_identifier}/members/{member_identifier}/extend_history: post: description: | Use [Aggregate Transaction History](/api-reference/platform-api/v20260929/reference/members/aggregate-transaction-history) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). Some institutions allow developers to access an extended transaction history with up to 24 months of data associated with a particular member. The process for fetching and then reading this extended transaction history is much like standard aggregation, and it may trigger multi-factor authentication. operationId: extendHistory parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Extend history tags: - members deprecated: true /users/{user_identifier}/members/{member_identifier}/fetch_rewards: post: description: | Use [Aggregate Rewards](/api-reference/platform-api/v20260929/reference/rewards/aggregate-rewards) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). Calling this endpoint initiates an aggregation-type event which will gather the member's rewards information, as well as account and transaction information. Rewards data is also gathered with daily background aggregations. Member and Rewards guids are defined by MX. operationId: fetchRewards parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/userIdentifier' - $ref: '#/components/parameters/memberIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: OK deprecated: true summary: Fetch Rewards tags: - rewards /users/{user_identifier}/members/{member_identifier}/fetch_statements: post: description: | Use [Aggregate Statements](/api-reference/platform-api/v20260929/reference/statements/aggregate-statements) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). Use this endpoint to fetch the statements associated for the member. operationId: fetchStatements parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Fetch statements tags: - statements deprecated: true /users/{user_identifier}/members/{member_identifier}/identify: post: description: | Use [Identity Verification](/api-reference/platform-api/v20260929/reference/members/identity-verification) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). The identify endpoint begins an account owner identification process for the member. operationId: identifyMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '202': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: Accepted summary: Identify member tags: - members deprecated: true /users/{user_identifier}/members/{member_identifier}/oauth_window_uri: get: description: | Use [Create Oauth Authorization URL](/api-reference/platform-api/v20260929/reference/widgets/create-oauth-authorization-url) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). Generate an `authorization_url` for OAuth authorization of the specified member during the connection flow. operationId: requestOAuthWindowURI parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/clientRedirectUrl' - $ref: '#/components/parameters/enableApp2app' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/referralSource' - $ref: '#/components/parameters/uiMessageWebviewUrlScheme' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/OauthAuthorizationUrlResponseBody' description: OK summary: Request oauth window uri tags: - widgets deprecated: true /users/{user_identifier}/members/{member_identifier}/verify: post: description: | Use [Account Verification](/api-reference/platform-api/v20260929/reference/members/account-verification) instead. For more information, reference the [Upgrade Guide](/api-reference/platform-api/v20260929/overview/upgrade-guide). This endpoint begins an instant account verification process for a member. operationId: verifyMember parameters: - $ref: '#/components/parameters/acceptVersion' - $ref: '#/components/parameters/xCallback' - $ref: '#/components/parameters/memberIdentifier' - $ref: '#/components/parameters/userIdentifier' responses: '200': content: application/json: schema: $ref: '#/components/schemas/MemberStatusResponseBody' description: OK summary: Verify member tags: - members deprecated: true components: securitySchemes: basicAuth: scheme: basic type: http description: | To authenticate with the Platform API, include your Base64-encoded `client_id` and `api_key` in the Authorization header of every request: ``` -H 'Authorization: Basic BASE_64_ENCODING_OF{client_id:api_key}' ``` bearerAuth: type: http scheme: bearer parameters: acceptVersion: name: Accept-Version in: header required: true schema: type: string default: v20260929 example: v20260929 description: MX Platform API version. achReturnGuid: name: ach_return_guid description: The unique identifier (`guid`) for the ACH return. Defined by MX. required: true in: path schema: type: string institutionGuid: description: The identifier for the institution associated with the ACH return. Defined by MX. in: query name: institution_guid required: false schema: type: string returnedAt: description: The date and time when the return was reported by the Receiving Financial Depository Institution (RDFI) in ISO 8601 format without timestamp. example: '2025-02-13T18:09:00+00:00' in: query name: returned_at required: false schema: type: string resolvedStatusAt: description: The date and time when the return was resolved by the Receiving Financial Depository Institution (RDFI) in ISO 8601 format without timestamp example: '2025-02-13T18:09:00+00:00' in: query name: resolved_status_at required: false schema: type: string returnCode: description: The associated ACH return code and notice of change code. See [Return Codes](/api-reference/platform-api/v20260929/reference/ach-returns#return-codes) for a complete list. in: query name: return_code required: false schema: type: string returnStatus: description: The status of the return. See [Return Statuses](/api-reference/platform-api/v20260929/reference/ach-returns#return-status) for a complete list. example: SUBMITTED in: query name: return_status required: false schema: type: string page: description: Results are paginated. Specify current page. example: 1 in: query name: page schema: type: integer recordsPerPage: description: This specifies the number of records to be returned on each page. Defaults to `25`. The valid range is from `10` to `100`. If the value exceeds `100`, the default value of `25` will be used instead. example: 10 in: query name: records_per_page schema: type: integer categoryGuid: name: category_guid description: The unique id for a `category`. in: path required: true schema: type: string example: CAT-7829f71c-2e8c-afa5-2f55-fa3634b89874 recordsPerPageMax1000: description: This specifies the number of records to be returned on each page. Defaults to `25`. The valid range is from `10` to `1000`. If the value exceeds `1000`, the default value of `25` will be used instead. example: 10 in: query name: records_per_page schema: type: integer mx3dxToken: name: MX-3DX-TOKEN description: A valid data exchange token. Required for all data exchange endpoints. To obtain a token, use the Create Data Exchange Token endpoint. in: header required: true schema: type: string userIdentifier: description: Use either the user `id` you defined or the MX-defined user `guid`. See [Assigning Resource IDs](/products/connectivity/overview/held-data#assigning-resource-ids). in: path required: true name: user_identifier schema: type: string accountGuid: description: The unique id for an `account`. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 in: path name: account_guid required: true schema: type: string memberIdentifier: description: Use either the member `id` you defined or the MX-defined member `guid`. See [Assigning Resource IDs](/products/connectivity/overview/held-data#assigning-resource-ids). name: member_identifier in: path required: true schema: type: string accountIdentifier: description: Use either the account `id` you defined or the MX-defined account `guid`. See [Assigning Resource IDs](/products/connectivity/overview/held-data#assigning-resource-ids). in: path required: true name: account_identifier schema: type: string issuerClientGuid: name: issuer_client_guid description: The unique id for the issuing client; must match the client_guid of the authenticated client. in: path required: true schema: type: string example: CLT-7829f71c-2e8c-afa5-2f55-fa3634b89874 issuerGuid: name: issuer_guid description: The unique identifier for the issuing client. in: query required: true schema: type: string example: CLT-7829f71c-2e8c-afa5-2f55-fa3634b89874 granteeGuids: name: grantee_guids[] description: |- The unique identifier for each grantee client on a grant. For example, `?issuer_guid=CLT-7829f71c-2e8c-afa5-2f55-fa3634b89874&grantee_guids[]=CLT-7829f71c-afa5-2e8c-fa36-34b82f559874&grantee_guids[]=CLT-372c33f9-c316-433b-b081-b7b314bef4b5`. in: query required: true schema: type: array items: type: string example: CLT-7829f71c-2e8c-afa5-2f55-2f55fa3634b8 granteeClientGuid: name: grantee_client_guid description: The unique id for a grantee client; must match the client_guid of the authenticated client. in: path required: true schema: type: string example: CLT-7829f71c-2e8c-afa5-2f55-fa3634b89874 grantGuid: name: grant_guid description: The unique identifier for the `grant`. Defined by MX. in: path required: true schema: type: string example: CLG-7c6f361b-e582-15b6-60c0-358f12466b4b institutionName: description: This will list only institutions in which the appended string appears. example: mxbank in: query name: name schema: type: string isoCountryCode: description: An array of strings that filters institutions in the widget by the specified country code. Acceptable codes include `US`, `CA`, and `MX` (Mexico). required: false in: query name: iso_country_code example: - US - CA schema: type: array items: type: string includeBlockedInstitutions: description: When set to `true`, returns all institutions regardless of their operational status. When `false` or omitted, only returns institutions that are currently operational. required: false in: query name: include_blocked_institutions example: true schema: type: boolean default: false institutionProducts: name: products[] in: query required: false schema: type: array items: $ref: '#/components/schemas/InstitutionProducts' description: |- Filters institutions that support specific products. Values may include account_verification, identity_verification, transactions, transaction_history, statements, investments, rewards. For example, institutions that support account_verification and statements, `?products[]=account_verification&products[]=statements`. example: - account_verification - statements institutionIdentifier: description: |- A unique identifier for the institution, defined by MX. Accepts either the institution `code` (for example, `mxbank`) or the institution `guid` (for example, `INS-1572a04c-912b-59bf-5841-332c7dfafaef`). Both are defined by MX and either can be used. example: mxbank in: path name: institution_identifier required: true schema: type: string merchantLocationGuid: description: The unique id for a `merchant_location`. example: MCH-09466f0a-fb58-9d1a-bae2-2af0afbea621 in: path name: merchant_location_guid required: true schema: type: string merchantName: description: This will list only merchants in which the appended string appears. example: Comcast in: query name: name schema: type: string merchantGuid: description: The unique id for a `merchant`. example: MCH-7ed79542-884d-2b1b-dd74-501c5cc9d25b in: path name: merchant_guid required: true schema: type: string userId: description: The user `id` to search for. example: u-12324-abdc in: query name: id schema: type: string userEmail: description: The user `email` to search for. example: example@example.com in: query name: email schema: type: string userIsDisabled: description: Search for users that are disabled. example: true in: query name: is_disabled schema: type: boolean acceptHeader: description: Specifies the media type expected in the response. in: header name: Accept required: true schema: type: string example: application/json memberIsManagedByUser: description: List only accounts whose member is managed by the user. example: true in: query name: member_is_managed_by_user schema: type: boolean accountIsManual: description: List only accounts that were manually created. example: true in: query name: is_manual schema: type: boolean useCase: description: The use case associated with the member. Valid values are `PFM` and `MONEY_MOVEMENT`. For example, you can append either `?use_case=PFM` or `?use_case=MONEY_MOVEMENT`. required: false in: query name: use_case schema: type: string userGuid: description: The unique identifier for a `user`, beginning with the prefix `USR-`. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 in: path name: user_guid required: true schema: type: string fromDateRequired: description: Filter transactions from this date. This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Defaults to 120 days ago if not provided. example: '2024-01-01' required: true in: query name: from_date schema: type: string toDateRequired: description: Filter transactions to this date (at midnight). This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Defaults to 5 days forward from the day the request is made to capture pending transactions. example: '2024-08-28' in: query required: true name: to_date schema: type: string fromDate: description: Filter transactions from this date. This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Defaults to 120 days ago if not provided. Maximum date range limit is 6 months. example: '2024-01-01' in: query name: from_date schema: type: string toDate: description: Filter transactions to this date (at midnight). This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Defaults to 5 days forward from the day the request is made to capture pending transactions. Maximum date range limit is 6 months. example: '2024-08-28' in: query name: to_date schema: type: string fromCreatedAt: name: from_created_at in: query description: Filter transactions from the date the transaction was created. This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Maximum date range limit is 6 months. example: '2024-01-01' schema: type: string toCreatedAt: name: to_created_at description: Filter transaction to the date in which the transaction was created. This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Maximum date range limit is 6 months. example: '2024-01-01' in: query schema: type: string fromUpdatedAt: name: from_updated_at description: Filter transactions from the date the transaction was updated. This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Maximum date range limit is 6 months. example: '2024-01-01' in: query schema: type: string toUpdatedAt: name: to_updated_at description: Filter transactions to the date in which the transaction was updated. This only supports ISO 8601 format without timestamp (YYYY-MM-DD). Maximum date range limit is 6 months. example: '2024-03-31' in: query schema: type: string categoryGuidQuery: name: category_guid description: |- Filter transactions belonging to specified `category_guid`. For example, `?category_guid=CAT-7829f71c-2e8c-afa5-2f55-fa3634b89874`. in: query schema: type: string categoryGuidQueryArray: name: category_guid[] description: |- Filter transactions belonging to any specified `category_guid[]` in url. For example, `?category_guid[]=CAT-7829f71c-2e8c-afa5-2f55-fa3634b89874`. in: query schema: type: array items: type: string topLevelCategoryGuid: name: top_level_category_guid description: |- Filter transactions belonging to specified `top_level_category_guid`. This must be top level category guid, use `category_guid` for subcategory guid. For example, `?top_level_category_guid=CAT-7829f71c-2e8c-afa5-2f55-fa3634b89874`. in: query schema: type: string topLevelCategoryGuidArray: name: top_level_category_guid[] description: |- Filter transactions belonging to any specified `top_level_category_guid[]` in url. This must be top level category guid(s), use `category_guid` for subcategory guid(s). For example, `?top_level_category_guid[]=CAT-7829f71c-2e8c-afa5-2f55-fa3634b89874`. in: query schema: type: array items: type: string includes: description: | Enrich transaction responses with additional metadata. Pass one or more values as an array to selectively include data. Accepted values: `category`, `counterparties`, `merchant`, `repeating_transaction`. Example: `?includes[]=category&includes[]=merchant` Any other value, or a comma-separated string, returns a `400` error. example: - category - merchant in: query name: includes required: false schema: type: array items: type: string enum: - category - counterparties - merchant - repeating_transaction includesAccount: description: | Enrich account responses with additional metadata. Pass one or more values as an array to selectively include data. Accepted values: `balances`. Example: `?includes[]=balances` Any other value returns an error. example: - balances in: query name: includes required: false schema: type: array items: type: string enum: - balances insightGuid: description: The unique identifier for the insight. Defined by MX. example: BET-1234-abcd in: path name: insight_guid required: true schema: type: string xCallback: description: The base64 encoded string defined in this header will be returned in the [Member](/resources/webhooks/member/) and [Member Data Updated](/resources/webhooks/member/#member-data-updated) webhooks. This allows you to trace user interactions and workflows initiated externally and internally in the MX Platform. Max 1024 characters. example: 813e50bd-4a7e-4517-b6bb-9eef65a68cbd in: header name: X-CALLBACK-PAYLOAD schema: type: string memberGuid: description: The unique id for a `member`. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b in: path name: member_guid required: true schema: type: string holdingGuid: description: The unique id for a `holding`. example: HOL-d65683e8-9eab-26bb-bcfd-ced159c9abe2 in: path name: holding_guid required: true schema: type: string statementGuid: description: The unique id for a `statement`. example: STA-737a344b-caae-0f6e-1384-01f52e75dcb1 in: path name: statement_guid required: true schema: type: string spendingPlanGuid: description: The unique ID for the `spending_plan`. example: SPL-e5f9a5bd-c5b3-4901-bdc0-62119b9db262 in: path name: spending_plan_guid required: true schema: type: string spendingPlanAccountGuid: description: The unique ID for the specified account. example: ACT-e9f80fee-84da-7s7r-9a5e-0346g4279b4c in: path name: spending_plan_account_guid required: true schema: type: string iterationItemGuid: description: The unique ID for the `iteration_item`. example: SII-a4dc1549-da28-1245-9c9c-53eee4cdfbe3 in: path name: iteration_item_guid required: true schema: type: string iterationNumber: description: The current iteration number for the spending plan `iteration`. example: 1 in: path name: iteration_number required: true schema: type: integer taggingGuid: description: The unique id for a `tagging`. example: TGN-007f5486-17e1-45fc-8b87-8f03984430fe in: path name: tagging_guid required: true schema: type: string tagGuid: description: The unique id for a `tag`. example: TAG-aef36e72-6294-4c38-844d-e573e80aed52 in: path name: tag_guid required: true schema: type: string transactionRuleGuid: description: The unique id for a `transaction_rule`. example: TXR-a080e0f9-a2d4-4d6f-9e03-672cc357a4d3 in: path name: transaction_rule_guid required: true schema: type: string transactionGuid: description: The unique id for a `transaction`. example: TRN-810828b0-5210-4878-9bd3-f4ce514f90c4 in: path name: transaction_guid required: true schema: type: string transactionIdentifier: description: Use either the transaction `id` you defined or the MX-defined transaction `guid`. See [Assigning Resource IDs](/products/connectivity/overview/held-data#assigning-resource-ids). in: path required: true name: transaction_identifier schema: type: string acceptLanguage: description: The desired language of the widget, `member_status.error.user_message` field, and `member_status.error.error_message` field. example: en-US in: header name: Accept-Language schema: type: string budgetGuid: name: budget_guid description: The unique identifier for the budget. Defined by MX. required: true in: path schema: type: string goalGuid: name: goal_guid description: The unique identifier for a goal. Defined by MX. required: true in: path schema: type: string notificationGuid: name: notification_guid description: The unique identifier for notifications. Defined by MX. example: NTF-b53294f5-2356-4782-9f81-ae064c42b40a in: path required: true schema: type: string repeatingTransactionGuid: description: The unique id for a recurring transaction. example: TRN-810828b0-5210-4878-9bd3-f4ce514f90c4 in: path name: repeating_transaction_guid required: true schema: type: string microDepositGuid: name: micro_deposit_guid description: The unique identifier for the microdeposit. Defined by MX. in: path required: true example: MIC-09ba578e-8448-4f7f-89e1-b62ff2517edb schema: type: string rewardGuid: description: The unique identifier for the rewards. Defined by MX. example: RWD-fa7537f3-48aa-a683-a02a-b324322f54 in: path name: reward_guid required: true schema: type: string creditCardProductGuid: description: The required `credit_card_product_guid` can be found on the `account` object. example: credit_card_product_guid in: path name: credit_card_product_guid required: true schema: type: string startTime: description: Filter transactions from this date. Must be in the format YYYY-MM-DD. The range is limited to 1 year. example: '2015-09-20' in: query name: startTime schema: type: string endTime: description: Filter transactions to this date. Must be in the format YYYY-MM-DD. The range is limited to 1 year. example: '2015-09-20' in: query name: endTime schema: type: string clientRedirectUrl: description: A URL that MX will redirect to at the end of OAuth with additional query parameters. Only available with `referral_source=APP`. example: https://{yoursite.com} in: query name: client_redirect_url schema: type: string enableApp2app: description: This indicates whether OAuth app2app behavior is enabled for institutions that support it. Defaults to `true`. When set to `false`, any `oauth_window_uri` generated will **not** direct the end user to the institution's mobile application. This setting is not persistent. This setting currently only affects Chase institutions. example: 'false' in: query name: enable_app2app schema: type: string referralSource: description: Must be either `BROWSER` or `APP` depending on the implementation. Defaults to `BROWSER`. example: APP in: query name: referral_source schema: type: string uiMessageWebviewUrlScheme: description: A scheme for routing the user back to the application state they were previously in. Only available with `referral_source=APP`. in: query name: ui_message_webview_url_scheme schema: type: string schemas: AuthorizationCodeRequest: properties: scope: example: user-guid:USR-101ad774-288b-44ed-ad16-da87d522ea20 member-guid:MBR-54feffb9-8474-47bd-8442-de003910113a account-guid:ACT-32a64160-582a-4f00-ab34-5f49cc35ed35 read-protected nullable: true type: string type: object AuthorizationCodeRequestBody: properties: authorization_code: $ref: '#/components/schemas/AuthorizationCodeRequest' required: - authorization_code type: object AuthorizationCodeResponse: properties: code: example: 9nN-9D8_4Z3WYazx7-zXfmqsD3jwgL_2W927Sb3otI nullable: true type: string type: object AuthorizationCodeResponseBody: properties: authorization_code: $ref: '#/components/schemas/AuthorizationCodeResponse' type: object ACHResponse: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string account_number_last_four: description: The last 4 digits of the account number used for the transaction by the Originating Depository Financial Institution (ODFI). example: '1234' nullable: true type: string account_type: description: The type of account. Some account types may include subtypes. example: CHECKING nullable: true type: string enum: - ANY - CASH - CHECKING - CHECKING_LINE_OF_CREDIT - CREDIT_CARD - LOAN - LINE_OF_CREDIT - SAVINGS - INVESTMENT - MORTGAGE - INSURANCE - PREPAID - PROPERTY ach_initiated_at: description: The date and time when the transaction was initiated by the Originating Depository Financial Institution (ODFI) in ISO 8601 format without timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string client_guid: description: The unique identifier for the client associated with the insight. Defined by MX. example: CLT-abcd-1234 nullable: false type: string corrected_account_number: description: The account number correction reported by the RDFI. Populate only if the `resolution_code` is `NOTICE_OF_CHANGE`. example: null nullable: true type: string corrected_routing_number: description: The routing number correction reported by the RDFI. Populated only if the `resolution_code` is `NOTICE_OF_CHANGE`. Must be a valid 9-digit routing number format. example: null nullable: true type: string created_at: description: The date and time the ACH return was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: false type: string guid: description: The unique identifier for the ACH return record. Defined by MX. example: ACH-d74cb14f-fd0a-449f-991b-e0362a63d9c6 nullable: false type: string id: description: Client-defined identifier for this specific return submission. Allows you to track and reference your requests. example: client_ach_return_id_1234 nullable: false type: string institution_guid: description: The unique identifier for an institution. Defined by MX. example: INS-34r4f44b-cfge-0f6e-3484-21f47e45tfv7 nullable: false type: string investigation_notes: description: Notes added by Product Support during investigation of the ACH return. example: null nullable: true type: string member_guid: description: The unique identifier for the member. Defined by MX. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: false type: string processing_errors: description: Any errors that occurred during processing. example: null nullable: true type: string resolution_code: description: A short, machine-readable code that categorizes the type of resolution or reason for the status. See [Resolution Codes](/api-reference/platform-api/v20260929/reference/ach-returns#resolution-codes) for a complete list. example: null nullable: true type: string resolution_detail: description: A more detailed, human-readable message providing context and next steps related to the `return_status` and `resolution_code`. example: null nullable: true type: string resolved_status_at: description: Date and time when the return was marked as resolved. example: null nullable: true type: string return_code: description: The associated ACH return codes and notice of change codes (for example, R02, R03, R04, R05, R20, NOC). See [Return Codes](/api-reference/platform-api/v20260929/reference/ach-returns#return-codes) for a complete list example: R01 nullable: false type: string return_notes: description: Notes that you set to inform MX on internal ACH processing. example: null nullable: true type: string return_account_number: description: Incorrect account number used in the ACH transaction. example: null nullable: true type: string return_routing_number: description: Incorrect routing number used in the ACH transaction. example: null nullable: true type: string return_status: description: The current processing status of the ACH return. See [Return Status](/api-reference/platform-api/v20260929/reference/ach-returns#return-status) for a complete list of statuses. example: SUBMITTED nullable: true type: string returned_at: description: The date and time when the return was reported by the Receiving Financial Depository Institution (RDFI) in ISO 8601 format without timestamp. example: '2025-02-13T18:09:00+00:00' nullable: true type: string sec_code: description: The three-letter SEC code (Standard Entry Class Code) describing how a payment was authorized (for example, `WEB`). See [SEC Codes](/api-reference/platform-api/v20260929/reference/ach-returns#sec-codes) for a complete list. example: PPD nullable: true type: string started_processing_at: description: Date and time when MX started processing the return. example: null nullable: true type: string submitted_at: description: Date and time when the record was submitted through the API. example: null nullable: true type: string transaction_amount: description: The amount of the transaction. example: 225.84 format: double nullable: true type: number updated_at: description: Date and time when the ACH return record was last updated. example: 'null' nullable: false type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: false type: string type: object ACHReturnResponseBody: properties: ach_return: $ref: '#/components/schemas/ACHResponse' type: object PaginationResponse: properties: current_page: description: The page delivered by the current response. example: 1 type: integer per_page: description: The number of records delivered with each page. example: 25 type: integer total_entries: description: The total number of records available. example: 1 type: integer total_pages: description: The total number of pages available. example: 1 type: integer type: object ACHReturnsResponseBody: properties: ach_returns: items: $ref: '#/components/schemas/ACHResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object ACHReturnCreateRequest: properties: account_guid: description: The unique identifier for the account associated with the transaction. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string account_number_last_four: description: The last 4 digits of the account number used for the transaction by the Originating Depository Financial Institution (ODFI). example: '1234' nullable: true type: string ach_initiated_at: description: The date and time when the transaction was initiated by the Originating Depository Financial Institution (ODFI) in ISO 8601 format without timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string corrected_account_number: description: The account number correction reported by the RDFI. Populate only if the `resolution_code` is `NOTICE_OF_CHANGE`. example: null nullable: true type: string corrected_routing_number: description: The routing number correction reported by the RDFI. Populated only if the `resolution_code` is `NOTICE_OF_CHANGE`. Must be a valid 9-digit routing number format. example: null nullable: true type: string id: description: Client-defined identifier for this specific return submission. Allows you to track and reference you requests. example: client_ach_id_1234 nullable: false type: string member_guid: example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b description: The unique identifier for the member associated with the transaction. Defined by MX. nullable: false type: string return_account_number: description: Incorrect account number used in the ACH transaction. example: 'null' type: string return_code: description: A short, machine-readable code that categorizes the type of resolution or reason for the status. See [Resolution Codes](/api-reference/platform-api/v20260929/reference/ach-returns#resolution-codes) for a complete list. example: R01 nullable: false type: string return_notes: description: Notes that you set to inform MX on internal ACH processing. example: 'null' type: string return_routing_number: description: Incorrect routing number used in the ACH transaction. example: 'null' type: string returned_at: description: The date and time when the return was reported by the Receiving Financial Depository Institution (RDFI) in ISO 8601 format without timestamp. example: '2025-02-13T18:09:00+00:00' type: string sec_code: description: The SEC code (Standard Entry Class Code)–a three-letter code describing how a payment was authorized (for example, `WEB`). See [SEC Codes](/api-reference/platform-api/v20260929/reference/ach-returns#sec-codes) for a complete list. example: PPD type: string transaction_amount: description: The amount of the transaction. example: 225.84 type: number transaction_amount_range: description: The transaction amount range, used for impact assessment. example: 0 type: number user_guid: example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 description: MX-defined identifier for the user associated with the ACH return. nullable: false type: string required: - member_guid - account_guid - id - user_guid - return_code ACHReturnCreateRequestBody: properties: ach_return: $ref: '#/components/schemas/ACHReturnCreateRequest' required: - ach_return type: object CategoryResponse: properties: created_at: description: The date and time the category was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string guid: description: The unique identifier for the category. Defined by MX. example: CAT-7829f71c-2e8c-afa5-2f55-fa3634b89874 nullable: true type: string is_default: description: Indicates whether the category is an MX-created default category. This will always be `false` for custom categories. example: true nullable: true type: boolean is_income: description: Indicates whether the transaction is income. example: false nullable: true type: boolean metadata: description: Additional information you stored on the `category`. example: some metadata nullable: true type: string name: example: Auto Insurance nullable: true type: string description: The name of the category. parent_guid: description: The unique identifier for the parent category. Defined by MX. example: CAT-7829f71c-2e8c-afa5-2f55-fa3634b89874 nullable: true type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string type: object CategoriesResponseBody: properties: categories: items: $ref: '#/components/schemas/CategoryResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object CategoryResponseBody: properties: category: $ref: '#/components/schemas/CategoryResponse' type: object UserBaseResponse: description: The base fields for a user. Returned as the `user` companion on related resources such as members, accounts, and transactions, and as the foundation of full user responses. properties: guid: description: The unique identifier for the user. Defined by MX. example: USR-11141024-90b3-1bce-cac9-c06ced52ab4c nullable: false type: string id: description: The unique partner-defined identifier for the user. example: unique_id nullable: true type: string metadata: description: Additional information you can store about the user. example: some metadata nullable: true type: string self: description: The API URI path for the `user`. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c nullable: false type: string DataExchangeUsersResponseBody: properties: users: items: $ref: '#/components/schemas/UserBaseResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object MxRecordBaseResponse: description: Timestamps for when MX created and last updated the record. Returned as the `mx_record` companion on all resources persisted by MX. These describe the MX record, not the underlying resource at the institution. properties: created_at: description: The date and time the resource was created in MX Platform, represented in ISO 8601 format with a timestamp. example: '2025-05-10T18:08:00Z' nullable: true type: string updated_at: description: | The date and time the resource was last updated in MX Platform, represented in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2026-02-12T22:48:21Z' nullable: true type: string UserSlimResponse: allOf: - $ref: '#/components/schemas/UserBaseResponse' - type: object properties: mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' DataExchangeUserResponseBody: properties: user: $ref: '#/components/schemas/UserSlimResponse' type: object AccountBaseResponse: description: The base fields for an account. Returned as the `account` companion on related resources such as transactions, statements, and rewards, and as the foundation of full account responses. properties: account_number_display: description: The account number associated with the account. This will typically be a masked or partial account number. example: '3331261' type: string nullable: true current_balance: description: The current balance of the account. example: 1000 nullable: true type: number metadata: description: Additional information about the account, as a stringified JSON object. example: some metadata nullable: true type: string subtype: description: The account's subtype, for example, `PLAN_401_K`, `MONEY_MARKET`, or `HOME_EQUITY`. Each subtype belongs to an account `type`. For a full list of account subtypes and types, see [Accounts](/api-reference/platform-api/v20260929/reference/accounts#account-types). example: CHECKING nullable: true type: string type: description: The type of account. Some account types may include subtypes. For a full list of account types and subtypes, see [Account Types](/api-reference/platform-api/v20260929/reference/accounts#account-types). example: CHECKING nullable: true type: string enum: - ANY - CASH - CHECKING - CHECKING_LINE_OF_CREDIT - CREDIT_CARD - LOAN - LINE_OF_CREDIT - SAVINGS - INVESTMENT - MORTGAGE - INSURANCE - PREPAID - PROPERTY guid: description: Unique identifier for the account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: true type: string id: description: The unique partner-defined identifier for the account. example: '1040434698' nullable: true type: string name: description: The human-readable name for the `account`. example: Test account 2 type: string nickname: description: An alternate name for the `account`. example: Swiss Account type: string self: description: The API URI path for the account. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/accounts/ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 type: string type: object MemberBaseResponse: description: The base fields for a member, which is a user's connection to an institution. Returned as the `member` companion on related resources such as accounts and transactions, and as the foundation of full member responses. properties: guid: description: The unique identifier for the member. Defined by MX. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: false type: string id: description: The unique partner-defined identifier for the member. example: unique_id nullable: true type: string metadata: description: Additional information you can store about the member. example: some metadata nullable: true type: string name: description: The name of the member. example: MX Bank nullable: true type: string self: description: The API URI path for the member. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/members/MBR-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: false type: string AccountSlimResponse: allOf: - $ref: '#/components/schemas/AccountBaseResponse' - type: object properties: member: $ref: '#/components/schemas/MemberBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' AccountsSlimResponseBody: properties: accounts: items: $ref: '#/components/schemas/AccountSlimResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object AccountSlimResponseBody: properties: account: $ref: '#/components/schemas/AccountSlimResponse' type: object AccountBalancesResponse: description: Extended balance fields for an account. Only present when requested via `includes[]=balances`. nullable: true type: object properties: available_balance: description: The available balance of the account. example: 1000 nullable: true type: number balance: description: The current balance of the account. example: 1000 nullable: true type: number cash_balance: description: The cash balance of the account. example: 1000 nullable: true type: number margin_balance: description: The margin balance of the account. example: 1000 nullable: true type: number minimum_balance: description: The minimum balance of the account. example: 100 nullable: true type: number original_balance: description: The original balance of the account. example: 10 nullable: true type: number payoff_balance: description: The payoff balance of the account. example: 10 nullable: true type: number statement_balance: description: The statement balance of the account. example: 1000.5 nullable: true type: number AccountIncludesResponse: description: Extended account response. The `balances` object is only present when requested via the `includes[]` query parameter. allOf: - $ref: '#/components/schemas/AccountSlimResponse' - type: object properties: balances: $ref: '#/components/schemas/AccountBalancesResponse' AccountsIncludesResponseBody: properties: accounts: items: $ref: '#/components/schemas/AccountIncludesResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object AccountIncludesResponseBody: properties: account: $ref: '#/components/schemas/AccountIncludesResponse' type: object GrantBaseResponse: properties: data_scope: description: Determines the source of the data that is shared through the grant. `HELD` is data owned by the issuing client, `AGGREGATED` is data MX collected through end user-authorized institution connections, and `ALL` is both. example: HELD nullable: false type: string enum: - HELD - AGGREGATED - ALL expires_at: description: The timestamp when the grant expires, in ISO 8601 format. example: '2025-02-13T18:08:00+00:00' nullable: false type: string guid: description: The unique identifier for the grant. Defined by MX. example: CLG-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: false type: string revoked_at: description: The timestamp when the grant was revoked, in ISO 8601 format. example: '2025-02-13T18:08:00+00:00' nullable: true type: string status: description: The status of the grant. example: GRANTED nullable: false type: string enum: - GRANTED - EXPIRED - REVOKED GrantGranteeBaseResponse: properties: client_guid: description: The unique identifier for the grant grantee. Defined by MX. example: CLT-7be56761-e582-15b6-60c0-358f12466b4b nullable: false type: string role: description: The role assigned to the grantee for the grant. A `RECIPIENT` receives data and delivers the service. A `DATA_COLLECTOR` pulls data from MX and passes it to the recipient without storing it. example: RECIPIENT nullable: false type: string enum: - RECIPIENT - DATA_COLLECTOR GrantIssuerBaseResponse: description: The MX client that issued the grant and owns the shared data. Returned as the `issuer` companion on grant responses. properties: client_guid: description: The unique identifier for the grant issuer. Defined by MX. example: CLT-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: false type: string GrantResponse: allOf: - $ref: '#/components/schemas/GrantBaseResponse' - type: object properties: grantees: description: A list of grantees associated with the grant. type: array items: $ref: '#/components/schemas/GrantGranteeBaseResponse' issuer: $ref: '#/components/schemas/GrantIssuerBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' DataExchangeGrantsResponseBody: properties: grants: type: array items: $ref: '#/components/schemas/GrantResponse' pagination: $ref: '#/components/schemas/PaginationResponse' type: object DataExchangeGrantResponseBody: type: object properties: grant: $ref: '#/components/schemas/GrantResponse' DataExchangeTokenResponseBody: type: object properties: token: type: string description: A signed JWT, valid for 1 hour. Pass it in the `MX-3DX-TOKEN` header on Data Exchange user, account, and transaction requests. TransactionBaseResponse: properties: amount: description: The monetary amount of the `transaction`. example: 61.11 nullable: false type: number currency_code: description: The three-character ISO 4217 currency code, for example, `USD`. example: USD nullable: true type: string date: description: The date on which the transaction took place. This is the field used when searching for transactions by date and is generally the same as `transacted_at`, but uses `posted_at` as a fallback. example: '2024-12-20' nullable: true type: string description: description: A human-readable description of the transaction. example: MX Technologies Payroll nullable: true type: string guid: description: The unique identifier for the transaction. Defined by MX. example: TRN-429ad9fe-a1d2-4559-8590-885b2603f0e1 nullable: true type: string id: description: The unique partner-defined identifier for the transaction. example: 1734681600000-178fa8095c154a55b9172f977b4c5f9a-0 nullable: true type: string self: description: The API URI path to access the transaction details. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/transactions/TRN-429ad9fe-a1d2-4559-8590-885b2603f0e1 nullable: false type: string status: description: | The status of the transaction. All transaction data on our systems represent what we get through our data feed which depends what institutions make available for aggregation. Many institutions do not provide data for pending transactions; transactions from those accounts always have a status of `POSTED`. When we do receive data for pending transactions, a single transaction may be updated from `PENDING` to `POSTED` and keep the same `guid`. This is done through various matching methods performed automatically by MX. If a single transaction can't be updated, the `PENDING` transaction will often be deleted and replaced with a new `POSTED` transaction (with a new `guid`) when it is sent to us; this is the most common scenario when pending data is available. In unusual circumstances, there may be separate `PENDING` and `POSTED` transactions on MX systems for up to 14 days. All `PENDING` transactions are deleted after 14 days as a failsafe. example: POSTED type: string nullable: true enum: - POSTED - PENDING type: description: The type of transaction. example: CREDIT nullable: true type: string enum: - CREDIT - DEBIT TransactionSlimResponse: allOf: - $ref: '#/components/schemas/TransactionBaseResponse' - type: object properties: account: $ref: '#/components/schemas/AccountBaseResponse' member: $ref: '#/components/schemas/MemberBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' TransactionsSlimResponseBody: properties: transactions: items: $ref: '#/components/schemas/TransactionSlimResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' DataRequestProducts: type: string enum: - account_verification - identity_verification - transactions - transaction_history - statements - investments InstitutionProducts: type: string enum: - account_verification - identity_verification - transactions - transaction_history - statements - investments - rewards InstitutionSlimResponse: allOf: - $ref: '#/components/schemas/InstitutionBaseResponse' - type: object properties: mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' InstitutionsResponseBody: properties: institutions: items: $ref: '#/components/schemas/InstitutionSlimResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object InstitutionResponseBody: properties: institution: $ref: '#/components/schemas/InstitutionSlimResponse' type: object CredentialResponse: properties: display_order: example: 1 nullable: true type: integer field_name: example: LOGIN nullable: true type: string field_type: example: TEXT nullable: true type: string guid: example: CRD-1ec152cd-e628-e81a-e852-d1e7104624da nullable: true type: string label: example: Username nullable: true type: string type: example: TEXT nullable: true type: string type: object CredentialsResponseBody: properties: credentials: items: $ref: '#/components/schemas/CredentialResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object MerchantLocationResponse: properties: city: description: The city name. example: North Kishaberg nullable: true type: string country: description: The country name. example: US nullable: true type: string created_at: description: The date and time the merchant was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string guid: description: The unique identifier for the merchant location. Defined by MX. example: MCL-00024e59-18b5-4d79-b879-2a7896726fea nullable: true type: string latitude: description: The latitude of the location where the transaction occurred. The number is a signed decimal. nullable: true type: number longitude: description: The longitude of the location where the transaction occurred. The number is a signed decimal. example: -104.89158799999998 nullable: true type: number merchant_guid: description: The unique identifier for the merchant. Defined by MX. example: MCH-09466f0a-fb58-9d1a-bae2-2af0afbea621 nullable: true type: string phone_number: description: The phone number of the merchant location. example: (303) 689-0728 nullable: true type: string postal_code: description: The postal code of the merchant location. example: '801121436' nullable: true type: string state: description: The state abbreviation of the merchant location. example: CO nullable: true type: string street_address: description: The street address of the merchant location. example: 8547 E Arapahoe Rd, Ste 1 nullable: true type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string type: object MerchantLocationResponseBody: properties: merchant_location: $ref: '#/components/schemas/MerchantLocationResponse' type: object MerchantResponse: properties: created_at: description: The date and time the merchant was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string guid: description: The unique identifier for the merchant. Defined by MX. example: MCH-7ed79542-884d-2b1b-dd74-501c5cc9d25b nullable: true type: string logo_url: description: The URL for a 100px X 100px logo for the merchant. example: https://s3.amazonaws.com/MD_Assets/merchant_logos/comcast.png nullable: true type: string name: description: The name of the merchant. example: Comcast nullable: true type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string website_url: description: URL to the merchant's website. example: https://www.example.com nullable: true type: string type: object MerchantsResponseBody: properties: merchants: items: $ref: '#/components/schemas/MerchantResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object MerchantResponseBody: properties: merchant: $ref: '#/components/schemas/MerchantResponse' type: object EnhanceTransactionsRequest: properties: amount: description: The monetary amount of the `transaction`. example: 61.11 nullable: true type: number description: description: The description of the `transaction` to be enhanced. example: ubr* pending.uber.com type: string extended_transaction_type: description: The transaction type assigned by the partner. example: partner_transaction_type type: string id: description: The unique partner-defined identifier for the `transaction`. example: ID-123 type: string memo: description: This field contains additional descriptive information about the `transaction`. example: Additional-information*on_transaction type: string merchant_category_code: description: The ISO 18245 category code for the `transaction`. example: 4121 type: integer type: description: The type of transaction. Can be either `CREDIT` or `DEBIT`. example: DEBIT type: string enum: - CREDIT - DEBIT required: - description - id type: object EnhanceTransactionsRequestBody: properties: transactions: items: $ref: '#/components/schemas/EnhanceTransactionsRequest' type: array required: - transactions type: object EnhanceTransactionResponse: properties: amount: description: The monetary amount of the `transaction`. example: 61.11 nullable: true type: number categorized_by: description: The method used to determine the category assigned to the transaction. example: 13 nullable: true type: integer category: description: The category of the `transaction`. example: Paycheck nullable: true type: string category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string described_by: description: The method used to describe the `transaction`. example: 6 nullable: true type: integer description: description: A human-readable version of the `original_description` field. This is provided by the MX Platform. example: Uber nullable: true type: string extended_transaction_type: description: The transaction type assigned by the partner. example: partner_transaction_type nullable: true type: string id: description: The unique partner-defined identifier for the transaction. example: ID-123 nullable: true type: string is_bill_pay: description: Indicates whether the transaction is a bill payment. example: false nullable: true type: boolean is_direct_deposit: description: Indicates whether the transaction is a direct deposit. example: false nullable: true type: boolean is_expense: description: Indicates whether the transaction is an expense. example: false nullable: true type: boolean is_fee: description: Indicates whether the transaction is a fee. example: false nullable: true type: boolean is_income: description: Indicates whether the transaction is income. example: false nullable: true type: boolean is_international: description: Indicates whether the transaction is international. If the data provider determines it isn't international then it will be `false`. It will be `null` if the data provider does not have this information. example: false type: boolean is_overdraft_fee: description: Indicates whether the transaction is an overdraft fee. example: false nullable: true type: boolean is_payroll_advance: description: Indicates whether the transaction is a payroll advance. example: false nullable: true type: boolean is_subscription: description: Indicates whether the transaction is a subscription payment. example: false nullable: true type: boolean memo: description: This field contains additional descriptive information about the `transaction`. example: Additional-information*on_transaction nullable: true type: string merchant_category_code: description: The ISO 18245 category code for the `transaction`. example: 4121 nullable: true type: integer merchant_guid: description: The unique identifier for the merchant associated with this `transaction`. Defined by MX. example: MCH-14f25b63-ef47-a38e-b2b6-d02b280b6e4e nullable: true type: string merchant_location_guid: description: The unique identifier for the `merchant_location` associated with this `transaction`. Defined by MX. example: MCL-00024e59-18b5-4d79-b879-2a7896726fea nullable: true type: string original_description: description: The original description of the `transaction` as provided by our data feed. example: ubr* pending.uber.com nullable: true type: string top_level_category_guid: description: The unique identifier for the `top_level_category` associated with this `transaction`. Defined by MX. example: CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8 nullable: true type: string type: description: The type of transaction. example: DEBIT nullable: true type: string enum: - CREDIT - DEBIT user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string type: object EnhanceTransactionsResponseBody: properties: transactions: items: $ref: '#/components/schemas/EnhanceTransactionResponse' type: array type: object UserResponse: properties: email: description: The email address associated with the account. example: example@example.com type: string guid: description: The unique identifier for the user. Defined by MX. example: USR-d74cb14f-fd0a-449f-991b-e0362a63d9c6 nullable: true type: string id: description: The unique partner-defined identifier for the user. example: My-Unique-ID nullable: true type: string is_disabled: description: Indicates whether the user has been disabled. Defaults to `false`. example: false nullable: true type: boolean metadata: description: Additional information you stored about the `user`. example: '{\"first_name\": \"Steven\", \"last_name\": \"Universe\"}' nullable: true type: string type: object UsersResponseBody: properties: users: items: $ref: '#/components/schemas/UserResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object UserCreateRequest: properties: email: description: The email address associated with the account. example: example@example.com type: string id: description: The unique partner-defined identifier for the user. example: My-Unique-ID type: string is_disabled: description: Indicates whether the user has been disabled. Defaults to `false`. example: false type: boolean metadata: description: Additional information you can store about the `user`. example: '{\"type\": \"individual\", \"status\": \"preferred\"}' type: string type: object UserCreateRequestBody: properties: user: $ref: '#/components/schemas/UserCreateRequest' required: - user type: object UserResponseBody: properties: user: $ref: '#/components/schemas/UserResponse' type: object UserUpdateRequest: properties: email: description: The email address associated with the account. example: example@example.com type: string id: description: The unique partner-defined identifier for the user. example: My-Unique-ID type: string is_disabled: description: Indicates whether the user has been disabled. Defaults to `false`. example: false type: boolean metadata: description: Additional information you can store about the `user`. example: '{\"first_name\": \"Steven\", \"last_name\": \"Universe\"}' type: string type: object UserUpdateRequestBody: properties: user: $ref: '#/components/schemas/UserUpdateRequest' required: - user type: object AccountCreateRequest: properties: account_subtype: description: The account's subtype, for example, `PLAN_401_K`, `MONEY_MARKET`, or `HOME_EQUITY`. Each subtype belongs to an account `type`. For a full list of account subtypes and types, see [Accounts](/api-reference/platform-api/v20260929/reference/accounts#account-types). example: CHECKING nullable: true type: string account_type: description: The type of account. Some account types may include subtypes. For a full list of account types and subtypes, see [Account Types](/api-reference/platform-api/v20260929/reference/accounts#account-types). example: CHECKING nullable: true type: string enum: - ANY - CASH - CHECKING - CHECKING_LINE_OF_CREDIT - CREDIT_CARD - LOAN - LINE_OF_CREDIT - SAVINGS - INVESTMENT - MORTGAGE - INSURANCE - PREPAID - PROPERTY apr: description: The annual percentage rate associated with the `account`. example: 1 type: number apy: description: The annual percentage yield associated with the `account`. example: 2.35 type: number available_balance: description: | The balance that is available for use in asset accounts like checking and savings. `PENDING` transactions are typically (not always) taken into account with the available balance. `available_balance` will usually be a positive value for all account types, determined in the same way as the balance field. example: 1000 type: number balance: description: | The current balance of the account. `PENDING` transactions are typically not taken into account with the current balance, but this may not always be the case. The balance will usually be a positive value for all account types. Asset-type accounts (`CHECKING`, `SAVINGS`, `INVESTMENT`) may have a negative balance if they are in overdraft. Debt-type accounts (`CREDIT_CARD`, `LOAN`, `LINE_OF_CREDIT`, `MORTGAGE`) may have a negative balance if they are overpaid. example: 1000 type: number cash_surrender_value: description: The sum of money paid to the policyholder or annuity holder in the event the policy is voluntarily terminated before it matures, or the insured event occurs. example: 1000 type: number credit_limit: description: The credit limit associated with the `account`. example: 100 type: number currency_code: description: The three-character ISO 4217 currency code, for example, `USD`. example: USD nullable: true type: string death_benefit: description: The amount paid to the beneficiary of the account upon death of the account owner. example: 1000 type: integer interest_rate: description: The interest rate associated with the account. example: 3.25 type: number is_business: description: Indicates whether the account is a business account. example: false type: boolean is_closed: description: Indicates whether an account has been closed. Closed accounts will no longer update balance or transaction information. example: false type: boolean is_hidden: description: Indicates whether the account is hidden. Hidden accounts can still have an active balance and receive transactions. Defaults to `false`. example: false type: boolean loan_amount: description: The amount of the loan associated with the `account`. example: 1000 type: number metadata: description: Additional information you can store about the `account`. example: some metadata type: string name: description: The human-readable name for the `account`. example: Test account 2 type: string nickname: description: An alternate name for the `account`. example: Swiss Account type: string original_balance: description: The original balance associated with the `account`. This will always be positive. example: 10 type: number property_type: description: Subtype if the account type is `PROPERTY`. This field should be ignored unless the type is set to `PROPERTY`. For a full list of property types, see [Account Types](/api-reference/platform-api/v20260929/reference/accounts#account-types). example: VEHICLE type: string enum: - APPLIANCES - ART - COMPUTER - ELECTRONICS - FURNITURE - JEWELRY - MISCELLANEOUS - REAL_ESTATE - SPORTS_EQUIPMENT - VEHICLE skip_webhook: description: If set to `true`, prevents sending an account webhook for the update if that webhook type is enabled for you. example: true type: boolean required: - name - account_type type: object AccountCreateRequestBody: properties: account: $ref: '#/components/schemas/AccountCreateRequest' required: - account type: object AccountNumberAch: properties: account_number: description: The account number associated with the account. This will typically be a masked or partial account number. example: '3331261' type: string nullable: true routing_number: description: The routing number for the `account`. example: '68899990000000' nullable: true type: string type: object AccountNumberEft: properties: institution_number: description: The three-digit number identifying a Canadian banking institution. example: '123' nullable: true type: string transit_number: description: The five-digit number identifying the branch of a Canadian financial institution. example: '12345' nullable: true type: string type: object AccountNumberBaseResponse: properties: guid: description: Unique identifier for the account number. Defined by MX. example: ACN-8899832e-e5b4-42cd-aa25-bbf1dc889a8f nullable: true type: string ach: allOf: - $ref: '#/components/schemas/AccountNumberAch' - type: object nullable: true eft: allOf: - $ref: '#/components/schemas/AccountNumberEft' - type: object nullable: true type: object AccountNumbersResponseBody: properties: account_numbers: items: allOf: - $ref: '#/components/schemas/AccountNumberBaseResponse' - type: object properties: account: $ref: '#/components/schemas/AccountBaseResponse' member: $ref: '#/components/schemas/MemberBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' type: object type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object DateRangeCategoryTotalsResponse: properties: category_guid: type: string description: The unique identifier for the category. Defined by MX. example: CAT-bf9f3294-4c40-1677-d269-54fbc189faf3 end_date: type: integer description: The Unix timestamp for the end date of the date range. example: 1466056800 start_date: type: integer description: The Unix timestamp for the start date of the date range. example: 1459490400 total: type: number description: The total amount for the category within the date range. example: 155.72 user_guid: type: string description: The unique identifier for the user. Defined by MX. example: USR-d8843e3e-7153-ce05-db54-fb3241c15d94 DateRangeCategoryTotalsResponseBody: type: object properties: date_range_category_totals: items: $ref: '#/components/schemas/DateRangeCategoryTotalsResponse' type: array InsightResponse: properties: active_at: description: The date and time when the insight was activated, represented in ISO 8601 format with a timestamp. example: '2022-01-07T12:00:00Z' nullable: true type: string client_guid: description: The unique identifier for the client associated with the insight. Defined by MX. example: CLT-abcd-1234 type: string created_at: description: The date and time the insight was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string cta_clicked_at: description: The date and time when a call-to-action was clicked, represented in ISO 8601 format with a timestamp. example: '2022-01-13T18:13:51Z' nullable: true type: string description: description: The human-readable information being delivered to the end user. example: Gold's Gym charged you $36.71 more this month than normal. Did you upgrade your service? nullable: true type: string guid: description: The unique identifier for the `insight`. Defined by MX. example: BET-abcd-1234 nullable: true type: string has_associated_accounts: description: Indicates whether there are accounts associated with the insight. example: false nullable: true type: boolean has_associated_categories: description: Indicates whether there are categories associated with the insight. example: false nullable: true type: boolean has_associated_merchants: description: Indicates whether there are merchants associated with the insight. example: false nullable: true type: boolean has_associated_repeating_transactions: description: Indicates whether there are repeating transactions associated with the insight. example: false nullable: true type: boolean has_associated_scheduled_payments: description: Indicates whether there are scheduled payments associated with the insight. example: false nullable: true type: boolean has_associated_transactions: description: Indicates whether there are transactions associated with the insight. example: true nullable: true type: boolean has_been_displayed: description: Indicates whether the insight has been shown to the end user. example: true nullable: true type: boolean is_dismissed: description: Indicates whether the insight has been dismissed by the user. example: false nullable: true type: boolean micro_call_to_action: description: A short call-to-action text for prompting user engagement. example: Learn more nullable: true type: string micro_description: description: A shorter version (300 characters or less) of `description`. This is the insight's description we display to the end user in the Micro Insights Widget example: Netflix charged you $5.00 more this month than normal. nullable: true type: string micro_title: description: A shorter version (60 characters or less) of `title`. This is the insight's title we display to the end user in the Micro Insights Widget. For example, `Price Increase` or `Paycheck Deposit`. example: Price Increase nullable: true type: string template: description: A short label for the type of `insight` being delivered, for example, `SubscriptionPriceIncrease` or `MonthlyCategoryTotal`. example: SubscriptionPriceIncrease nullable: true type: string title: description: The title for the specific `insight`, for example, `Price Increase` or `Paycheck Deposit`. example: Price increase nullable: true type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 type: string user_id: description: The unique partner-defined identifier for the user. example: u-1234 type: string type: object InsightsResponseBody: properties: insights: items: $ref: '#/components/schemas/InsightResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object AccountsMergeRequest: properties: account_guids: type: array description: A list of account GUIDs to merge. Must include at least two GUIDs belonging to the same user. items: type: string example: - ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 - ACT-e1b1e9e7-9436-4720-a1b5-f02373433bd4 required: - account_guids type: object AccountsMergeRequestBody: properties: account: $ref: '#/components/schemas/AccountsMergeRequest' required: - account type: object AccountResponse: properties: account_number: description: The account number associated with the account. This will typically be a masked or partial account number. example: '3331261' type: string nullable: true account_ownership: description: The type of ownership associated with the account. `NULL` is returned if not received in the data feed. example: INDIVIDUAL nullable: true type: string enum: - UNKNOWN - INDIVIDUAL - JOINT - MULTIPLE annuity_policy_to_date: description: The date until which the policy is in effect. example: '2025-12-31' nullable: true type: string annuity_provider: description: The provider of the insurance policy. example: Metlife nullable: true type: string annuity_term_year: description: The effective duration of an insurance policy (one year, five years, etc.). example: 30 nullable: true type: integer apr: description: The annual percentage rate associated with the `account`. example: 1 nullable: true type: number apy: description: The annual percentage yield associated with the `account`. example: 2.35 nullable: true type: number available_balance: description: | The balance that is available for use in asset accounts like checking and savings. `PENDING` transactions are typically (not always) taken into account with the available balance. `available_balance` will usually be a positive value for all account types, determined in the same way as the balance field. example: 1000 type: number nullable: true available_credit: description: | The amount of credit available for use in liability accounts like credit cards and lines of credit. `PENDING` transactions are typically (not always) taken into account with available credit. `available_credit` will usually be a positive value for all account types, determined in the same way as the `balance` field. example: 4000 nullable: true type: number balance: description: | The current balance of the account. `PENDING` transactions are typically not taken into account with the current balance, but this may not always be the case. The balance will usually be a positive value for all account types. Asset-type accounts (`CHECKING`, `SAVINGS`, `INVESTMENT`) may have a negative balance if they are in overdraft. Debt-type accounts (`CREDIT_CARD`, `LOAN`, `LINE_OF_CREDIT`, `MORTGAGE`) may have a negative balance if they are overpaid. example: 1000 type: number nullable: true cash_balance: description: The cash balance of the `account`. example: 2500 nullable: true type: number cash_surrender_value: description: The sum of money paid to the policyholder or annuity holder in the event the policy is voluntarily terminated before it matures, or the insured event occurs. example: 1000 type: number nullable: true created_at: description: The date and time the account was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: false type: string credit_limit: description: The credit limit associated with the `account`. example: 5000 nullable: true type: number currency_code: description: The three-character ISO 4217 currency code, for example, `USD`. example: USD nullable: true type: string day_payment_is_due: description: The day of the month the payment is due. For example, the 14th is passed as `14`. example: 14 nullable: true type: integer death_benefit: description: The amount paid to the beneficiary of the account upon death of the account owner. example: 1000 nullable: true type: integer federal_insurance_status: description: | The federal insurance status of the account. Indicates whether the account is insured by the FDIC (banks) or NCUA (credit unions). Returns an integer (`UNKNOWN_INSURED` = 0, `INSURED` = 1, `NOT_INSURED` = 2). example: INSURED nullable: true type: string enum: - UNKNOWN_INSURED - INSURED - NOT_INSURED guid: description: Unique identifier for the account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: true type: string id: description: The unique partner-defined identifier for the account. example: '1040434698' nullable: true type: string imported_at: description: The date and time at which the `account` was last successfully aggregated and received data. example: '2015-10-13T17:57:37.000Z' nullable: true type: string interest_rate: description: The interest rate associated with the account. example: 3.25 nullable: true type: number institution_code: description: The code identifying a financial institution. example: 3af3685e-05d9-7060-359f-008d0755e993 nullable: true type: string insured_name: description: The name of the insured person. example: Tommy Shelby nullable: true type: string is_closed: description: Indicates whether an account has been closed. Closed accounts will no longer update balance or transaction information. example: false type: boolean is_hidden: description: Indicates whether the account is hidden. Hidden accounts can still have an active balance and receive transactions. Defaults to `false`. example: false nullable: true type: boolean is_manual: description: Indicates whether the transaction was manually created or belongs to a manual account. example: false nullable: true type: boolean last_payment: description: The amount of the most recent payment on the `account`. example: 100 nullable: true type: number last_payment_at: description: The date and time when the last payment was made, represented in ISO 8601 format with a timestamp. example: '2023-07-25T17:14:46Z' nullable: true type: string loan_amount: description: The amount of the loan associated with the `account`. example: 1000 nullable: true type: number margin_balance: description: Represents the amount of debt the investor owes to the broker for the use of margin. It can be positive or negative, depending on the performance of the investments made with the borrowed funds. A positive margin balance indicates that the securities purchased on margin have increased in value, whereas a negative margin balance signifies that the securities have decreased in value. example: 1000 nullable: true type: number matures_on: description: The date on which the `account` matures. example: '2015-10-13T17:57:37.000Z' nullable: true type: string member_guid: description: The unique identifier for the member. Defined by MX. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: true type: string member_id: description: The unique, partner-defined, identifier for the member associated with this `account`. example: member123 nullable: true type: string member_is_managed_by_user: description: This indicates whether the member is managed by the user or the MX partner. Members created with the managed member feature will have this field set to `false`. example: false nullable: true type: boolean metadata: description: Additional information you stored about the `account`. example: some metadata nullable: true type: string minimum_balance: description: The minimum balance associated with the `account`. example: 100 nullable: true type: number minimum_payment: description: The minimum payment required for an account. This can apply to any debt account. example: 10 nullable: true type: number name: description: The human-readable name for the resource. example: Test account 2 nullable: true type: string nickname: description: An alternate name for the `account`. example: My Checking nullable: true type: string original_balance: description: The original balance associated with the `account`. This will always be positive. example: 10 nullable: true type: number pay_out_amount: description: The amount paid out to the insured individual or beneficiary under the conditions of the insurance policy. example: 10 nullable: true type: number payment_due_at: description: The date and time at which the next payment is due on the `account`. example: '2015-10-13T17:57:37.000Z' nullable: true type: string payoff_balance: description: The payoff balance for a debt `account`. This will normally be a positive number. example: 10 nullable: true type: number premium_amount: description: The insurance policy's premium amount. example: 1 nullable: true type: number property_type: description: Subtype if the account type is `PROPERTY`. This field should be ignored unless the type is set to PROPERTY. example: VEHICLE nullable: true type: string enum: - APPLIANCES - ART - COMPUTER - ELECTRONICS - FURNITURE - JEWELRY - MISCELLANEOUS - REAL_ESTATE - SPORTS_EQUIPMENT - VEHICLE routing_number: description: The routing number for the `account`. example: '68899990000000' nullable: true type: string started_on: description: The date on which the loan from a debt account started. example: '2025-10-13T17:57:37.000Z' nullable: true type: string statement_balance: description: The balance at the end of the account's last statement period. example: 1000.5 nullable: true type: number subtype: description: The account's subtype, for example, `PLAN_401_K`, `MONEY_MARKET`, or `HOME_EQUITY`. Each subtype belongs to an account `type`. For a full list of account subtypes and types, see [Accounts](/api-reference/platform-api/v20260929/reference/accounts#account-types). example: MONEY_MARKET nullable: true type: string today_ugl_amount: description: The unrealized gain/loss amount for the day for the account. example: 1000.5 nullable: true type: number today_ugl_percentage: description: The unrealized gain/loss percentage for the date for the account. example: 6.9 nullable: true type: number total_account_value: description: The sum of the long and short positions, the sweep account and/or cash balance, and any margin debt associated with a particular account. This amount includes the market value of all positions held in the account and is reduced by any debit balance and the amount of short options positions that are "in the money". This may sum to a negative value, and it does not represent an account balance. example: 1 nullable: true type: number total_account_value_ugl: description: The unrealized gains and losses represent the amount the account has gained or lost based on the purchase price. This is calculated by subtracting the purchase price from the current market value. It does not affect the account until the positions are sold and "realized". This may sum to a negative value, and it does not represent an account balance. example: 1 nullable: true type: number type: description: The type of account. Some account types may include subtypes. example: CHECKING nullable: true type: string enum: - ANY - CASH - CHECKING - CHECKING_LINE_OF_CREDIT - CREDIT_CARD - LOAN - LINE_OF_CREDIT - SAVINGS - INVESTMENT - MORTGAGE - INSURANCE - PREPAID - PROPERTY updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string user_id: description: The unique partner-defined identifier for the user. example: u-1234 nullable: true type: string type: object AccountResponseBody: properties: account: $ref: '#/components/schemas/AccountResponse' type: object MonthlyAccountBalance: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string balance: description: | The current balance of the account. `PENDING` transactions are typically not taken into account with the current balance, but this may not always be the case. The balance will usually be a positive value for all account types. Asset-type accounts (`CHECKING`, `SAVINGS`, `INVESTMENT`) may have a negative balance if they are in overdraft. Debt-type accounts (`CREDIT_CARD`, `LOAN`, `LINE_OF_CREDIT`, `MORTGAGE`) may have a negative balance if they are overpaid. example: 1000 type: number month: description: The month for which the balance. example: 1 type: number user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 type: string year: description: The year for which the balance is reported. example: 2023 type: number MonthlyAccountBalancesResponseBody: properties: monthly_account_balances: items: $ref: '#/components/schemas/MonthlyAccountBalance' type: array type: object TransactionIncludesResponse: description: Extended transaction response. The `category`, `counterparties`, `merchant`, and `repeating_transaction` objects are only present when requested via the `includes[]` query parameter. When included but no data exists, the value is `null`. allOf: - $ref: '#/components/schemas/TransactionSlimResponse' - properties: category: description: Only present when `includes[]=category` is specified. Null when no category is associated with the transaction. nullable: true type: object properties: guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e type: string name: description: The name of the category. example: Paycheck type: string top_level_category: description: The parent category assigned to this transaction's category. example: Income nullable: true type: string self: description: The API URI path to access the category details. example: /categories/CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string counterparties: description: Only present when `includes[]=counterparties` is specified. Null when no counterparties are associated with the transaction. type: array nullable: true items: type: object description: A party involved in the transaction, for example a payment processor and the underlying merchant. properties: confidence_level: description: The confidence level of the counterparty match, represented as "Very High" or "Low". example: Very High nullable: true type: string guid: description: The unique identifier for the counterparty. Defined by MX. example: MCH-0c25f895-393c-42a4-9c18-95a0b26d4d84 nullable: true type: string logo_url: description: The URL for a 100px X 100px logo for the counterparty. example: https://content.mx.com/logos/merchants/MCH-0c25f895-393c-42a4-9c18-95a0b26d4d84.png nullable: true type: string name: description: The name of the counterparty. example: MX type: string website_url: description: The URL for the counterparty's website. example: https://www.example.com nullable: true type: string merchant: description: Only present when `includes[]=merchant` is specified. Null when no merchant is associated with the transaction. type: object nullable: true properties: confidence_level: description: The confidence level of the merchant assignment for the transaction, represented as "Very High" or "Low". example: Very High nullable: true type: string guid: description: The unique identifier for the merchant. Defined by MX. example: MCH-0c25f895-393c-42a4-9c18-95a0b26d4d84 type: string logo_url: description: The URL for a 100px X 100px logo for the merchant. type: string example: https://content.mx.com/logos/merchants/MCH-0c25f895-393c-42a4-9c18-95a0b26d4d84.png name: description: The name of the merchant. example: MX type: string self: description: The API URI path to access the merchant details. example: /merchants/MCH-0c25f895-393c-42a4-9c18-95a0b26d4d84 nullable: true type: string website_url: type: string description: URL to the merchant's website. example: https://www.example.com repeating_transaction: description: Only present when `includes[]=repeating_transaction` is specified. Null when no repeating transaction is associated with the transaction. nullable: true type: object properties: frequency: description: The frequency at which the transaction is expected to repeat. See [Supported Recurrence Types](/api-reference/platform-api/v20260929/reference/transactions#supported-recurrence-types). type: string example: EVERY_MONTH enum: - EVERY_WEEK - EVERY_OTHER_WEEK - TWICE_A_MONTH - EVERY_MONTH - EVERY_OTHER_MONTH - EVERY_QUARTER - EVERY_OTHER_QUARTER - EVERY_YEAR - UNKNOWN guid: description: The unique identifier for the repeating transaction. Defined by MX. type: string example: RPT-065b8b1d-826a-45ce-8487-60ca1510e72a self: description: The API URI path to access the repeating transaction details. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/repeating_transactions/RPT-065b8b1d-826a-45ce-8487-60ca1510e72a nullable: true type: string type: description: The type of the repeating transaction. type: string enum: - BILL - SUBSCRIPTION - INCOME - UNKNOWN type: object TransactionsIncludesResponseBody: properties: transactions: items: $ref: '#/components/schemas/TransactionIncludesResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object TransactionCreateRequest: properties: amount: description: The monetary amount of the `transaction`. example: 61.11 nullable: true type: number date: description: The date of the `transaction`. example: '2016-10-06' type: string description: description: A human-readable version of the `original_description` field. Provided by MX. example: Whole foods type: string type: description: The type of transaction, which must be `CREDIT` or `DEBIT`. example: DEBIT type: string enum: - CREDIT - DEBIT category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string currency_code: description: The three-character ISO 4217 currency code, for example, `USD`. example: USD nullable: true type: string has_been_viewed: description: Indicates whether the transaction has been viewed. example: false type: boolean is_hidden: description: Indicates whether the account is hidden. Hidden accounts can still have an active balance and receive transactions. Defaults to `false`. example: false type: boolean is_international: description: Indicates whether the transaction is international. If the data provider determines it isn't international then it will be `false`. It will be `null` if the data provider does not have this information. example: false type: boolean memo: description: A note about the transaction. example: This is a memo type: string metadata: description: Additional information you can store about the `transaction`. example: some metadata type: string skip_webhook: description: When set to `true`, this parameter will prevent a webhook from being triggered by the request. example: true type: boolean required: - amount - date - description - type TransactionCreateRequestBody: properties: transaction: $ref: '#/components/schemas/TransactionCreateRequest' required: - transaction type: object TransactionSlimResponseBody: properties: transaction: $ref: '#/components/schemas/TransactionSlimResponse' type: object CategoryCreateRequest: properties: metadata: description: Additional information you can store on the `category`. example: some metadata type: string name: example: Online Shopping type: string description: The name of the category. parent_guid: example: CAT-aad51b46-d6f7-3da5-fd6e-492328b3023f type: string description: The unique identifier for the parent category. required: - name - parent_guid type: object CategoryCreateRequestBody: properties: category: $ref: '#/components/schemas/CategoryCreateRequest' required: - category type: object CategoryUpdateRequest: properties: metadata: description: Additional information you can store on the `category`. example: some metadata type: string name: example: Web shopping type: string description: The name of the category. type: object CategoryUpdateRequestBody: properties: category: $ref: '#/components/schemas/CategoryUpdateRequest' required: - category type: object AccountsResponseBody: properties: accounts: items: $ref: '#/components/schemas/AccountResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object ScheduledPaymentResponse: properties: amount: description: The monetary amount of the `transaction`. example: 61.11 type: number created_at: description: The date and time the scheduled payment was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' type: string description: description: A human-readable description of the `scheduled_payment`, for example, Power bill. example: Netflix type: string guid: description: The unique identifier for the scheduled payment. Defined by MX. example: SPA-c76e4a85-b2c4-4335-82b7-8f8b8f28c35a type: string is_completed: description: Indicates whether the `scheduled_payment` has been paid or not. This field is only applicable to one-time transactions. example: false type: boolean is_recurring: description: Deprecated. If required, reach out to MX to discuss an alternative. example: true type: boolean merchant_guid: description: The unique identifier for the merchant. Defined by MX. example: MCH-b8a2624c-2176-59ec-c150-37854bc38aa8 type: string occurs_on: description: The date on which the payment is scheduled to occur, given in ISO 8601 format without a timestamp. example: '2022-01-15' type: string recurrence_day: description: The day of the month where the next payment is expected to occur. example: 15 type: integer recurrence_type: description: The type of recurrence schedule. example: EVERY_MONTH type: string transaction_type: description: The type of transaction. example: DEBIT type: string enum: - CREDIT - DEBIT updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 type: string type: object ScheduledPaymentsResponseBody: properties: scheduled_payments: items: $ref: '#/components/schemas/ScheduledPaymentResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object TransactionResponse: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string account_id: description: The unique client-defined identifier for the account. example: account123 nullable: true type: string amount: description: The monetary amount of the `transaction`. example: 61.11 nullable: false type: number category: description: The category of the `transaction`. example: Paycheck nullable: true type: string category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string check_number_string: description: The check number for the `transaction`. example: null nullable: true type: string created_at: description: The date and time the transaction was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string currency_code: description: The three-character ISO 4217 currency code, for example, `USD`. example: USD nullable: true type: string date: description: The date on which the transaction took place. This is the field used when searching for transactions by date and is generally the same as `transacted_at`, but uses `posted_at` as a fallback. example: '2024-12-20' nullable: true type: string description: description: A human-readable description of the transaction. example: MX Technologies Payroll nullable: true type: string extended_transaction_type: description: The transaction type assigned by the partner. example: null nullable: true type: string guid: description: The unique identifier for the transaction. Defined by MX. example: TRN-429ad9fe-a1d2-4559-8590-885b2603f0e1 nullable: true type: string id: description: The unique partner-defined identifier for the transaction. example: 1734681600000-178fa8095c154a55b9172f977b4c5f9a-0 nullable: true type: string is_bill_pay: description: Indicates whether the transaction is a bill payment. example: false nullable: true type: boolean is_direct_deposit: description: Indicates whether the transaction is a direct deposit. example: false nullable: true type: boolean is_expense: description: Indicates whether the transaction is an expense. example: false nullable: true type: boolean is_fee: description: Indicates whether the transaction is a fee. example: false nullable: true type: boolean is_income: description: Indicates whether the transaction is income. example: true nullable: true type: boolean is_international: description: Indicates whether the transaction is international. If the data provider determines it isn't international then it will be `false`. It will be `null` if the data provider does not have this information. example: false type: boolean is_manual: description: Indicates whether the transaction was manually created or belongs to a manual account. example: false nullable: true type: boolean is_overdraft_fee: description: Indicates whether the transaction is an overdraft fee. example: false nullable: true type: boolean is_payroll_advance: description: Indicates whether the transaction is a payroll advance. example: false nullable: true type: boolean is_recurring: description: Deprecated. If required, reach out to MX to discuss an alternative. example: null nullable: true type: boolean is_subscription: description: Indicates whether the transaction is a subscription payment. example: false nullable: true type: boolean latitude: description: The latitude of the location where the transaction occurred. The number is a signed decimal. example: null nullable: true type: number localized_description: description: A human-readable description of the transaction, provided in a local language. example: This is a localized_description nullable: true type: string localized_memo: description: Additional descriptive information about the transaction, provided in a local language. example: This is a localized_memo nullable: true type: string longitude: description: The longitude of the location where the transaction occurred. The number is a signed decimal. example: null nullable: true type: number member_guid: description: The unique identifier for the member. Defined by MX. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: true type: string member_is_managed_by_user: description: This indicates whether the member is managed by the user or the MX partner. Members created with the managed member feature will have this field set to `false`. example: true nullable: true type: boolean memo: description: Additional information about the transaction. example: Transactions nullable: true type: string merchant_category_code: description: The ISO 18245 category code for the transaction. example: null nullable: true type: integer merchant_guid: description: The unique identifier for the merchant. Defined by MX. example: MCH-8cc3b01a-1c52-47d4-970d-30f8ee5566f1 nullable: true type: string merchant_location_guid: description: The unique identifier for the merchant location. Defined by MX. example: null nullable: true type: string metadata: description: Additional information you stored about the `transaction`. example: some metadata nullable: true type: string original_description: description: The original description of the transaction as provided by our data feed. example: MX TECHNOLOGIES PAYMENT nullable: true type: string posted_at: description: The date and time the transaction was posted to the account. example: '2024-12-20T12:00:00Z' nullable: true type: string status: description: | The status of the transaction. All transaction data on our systems represent what we get through our data feed which depends what institutions make available for aggregation. Many institutions do not provide data for pending transactions; transactions from those accounts always have a status of `POSTED`. When we do receive data for pending transactions, a single transaction may be updated from `PENDING` to `POSTED` and keep the same `guid`. This is done through various matching methods performed automatically by MX. If a single transaction can't be updated, the `PENDING` transaction will often be deleted and replaced with a new `POSTED` transaction (with a new `guid`) when it is sent to us; this is the most common scenario when pending data is available. In unusual circumstances, there may be separate `PENDING` and `POSTED` transactions on MX systems for up to 14 days. All `PENDING` transactions are deleted after 14 days as a failsafe. example: POSTED type: string nullable: true enum: - POSTED - PENDING top_level_category: description: The parent category assigned to this transaction's category. example: Income nullable: true type: string transacted_at: description: The date and time the transaction took place. example: '2024-12-20T12:00:00Z' nullable: true type: string type: description: The type of transaction. example: CREDIT nullable: true type: string enum: - CREDIT - DEBIT updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string user_id: description: The unique partner-defined identifier for the user. example: u-1234 nullable: true type: string type: object TransactionsResponseBody: properties: transactions: items: $ref: '#/components/schemas/TransactionResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' InsightResponseBody: properties: insight: $ref: '#/components/schemas/InsightResponse' type: object InsightUpdateRequest: properties: has_been_displayed: description: Indicates whether the insight has been shown to the end user. example: false type: boolean is_dismissed: description: Indicates whether the insight has been dismissed by the user. example: false type: boolean InsightUpdateRequestBody: properties: insight: $ref: '#/components/schemas/InsightUpdateRequest' required: - insight type: object IdentityMatchRequestBody: properties: identity_match: $ref: '#/components/schemas/IdentityMatchRequest' required: - identity_match type: object IdentityMatchRequest: type: object required: - name - address - email - phone_number properties: name: type: object description: | User's name. Can be personal (first, middle, last) or company, but not both. properties: first: type: string description: First name. Required if `company` is not provided. example: John middle: type: string description: Middle name. example: Q last: type: string description: Last name. Required if `company` is not provided. example: Doe company: type: string description: Company name. Required if `first` and `last` are not provided. example: Acme Corporation address: type: object required: - line_1 - city - region - postal_code - country description: User's address. properties: line_1: type: string description: First line of street address. example: 123 Main St line_2: type: string description: Second line of street address. example: Apt 4B line_3: type: string description: Third line of street address. example: Building C city: type: string description: City. example: Anytown region: type: string description: State, province, or region. example: CA postal_code: type: string description: Postal code. example: '12345' country: type: string description: Country. example: US email: type: string description: User's email address. example: john.doe@example.com phone_number: type: string description: Phone number. Must contain at least 10 digits. Can include dashes, parentheses, and spaces. example: (555) 555-5555 IdentityMatchResponseBody: properties: identity_match: $ref: '#/components/schemas/IdentityMatchResponse' type: object IdentityMatchResponse: type: object properties: composite_confidence_score: type: number description: Overall confidence score from 0 to 1. minimum: 0 maximum: 1 example: 0.92 individual_scores: type: object description: Individual match scores. properties: name_score: type: number description: Name match confidence from 0 to 1. minimum: 0 maximum: 1 example: 0.95 address_score: type: number description: Address match confidence from 0 to 1. minimum: 0 maximum: 1 example: 0.90 phone_score: type: number description: Phone match confidence from 0 to 1. minimum: 0 maximum: 1 example: 0.85 email_score: type: number description: Email match confidence from 0 to 1. minimum: 0 maximum: 1 example: 0.98 required: - name_score - address_score - phone_score - email_score required: - composite_confidence_score - individual_scores InstitutionBaseResponse: properties: code: description: The code identifying a financial institution. example: mxbank nullable: true type: string guid: description: The unique identifier for the institution. Defined by MX. example: INS-1572a04c-912b-59bf-5841-332c7dfafaef nullable: false type: string iso_country_code: description: The ISO country code associated with the institution. example: US type: string enum: - US - CA name: description: The name of the institution. example: MX Bank nullable: true type: string products: description: The products the institution supports. type: array items: $ref: '#/components/schemas/InstitutionProducts' example: - account_verification - identity_verification - transactions - transaction_history - statements - investments - rewards self: description: The API URI path for the institution. example: /institutions/INS-1572a04c-912b-59bf-5841-332c7dfafaef nullable: false type: string supports_oauth: description: If true, this indicates that the institution supports OAuth and that you have been properly registered for OAuth with that institution. example: true nullable: true type: boolean MemberStatusBaseResponse: properties: status: description: The status of a user's connection to an institution. See [Member Connection Status](/api-reference/platform-api/v20260929/reference/members#member-connection-statuses). example: CONNECTED nullable: true type: string enum: - CREATED - PREVENTED - DENIED - CHALLENGED - REJECTED - LOCKED - CONNECTED - IMPEDED - RECONNECTED - DEGRADED - DISCONNECTED - DISCONTINUED - CLOSED - DELAYED - FAILED - UPDATED - DISABLED - IMPORTED - RESUMED - EXPIRED - IMPAIRED - PENDING error: type: object nullable: true properties: error_type: description: The type of error that occurred. type: string example: MEMBER error_code: description: The specific error code. type: string example: REQUEST_FAILED error_message: description: A human-readable message describing the error. type: string example: There was an error attempting to process your request. The Member was created but we were unable to fulfill the data request. user_message: description: A human-readable message intended for the end user. type: string example: We're having trouble connecting right now. Please try again later. locale: description: The language of `error_message` and `user_message`, such as `en`, `es`, or `fr`. type: string example: en self: description: The API URI path for the member's status. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/members/MBR-7c6f361b-e582-15b6-60c0-358f12466b4b/status nullable: false type: string OauthBaseResponse: properties: is_oauth: description: Indicates whether the member uses OAuth to authenticate. Defaults to `false`. example: true nullable: true type: boolean authorization_url: description: When connecting a member using OAuth, this field will contain the URL to send the user to in order to authenticate, otherwise it will be blank. example: https://mxbank.mx.com/oauth/authorize?client_id=b8OikQ4Ep nullable: true type: string self: description: The API URI path to generate a new OAuth Authorization URL. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/members/MBR-7c6f361b-e582-15b6-60c0-358f12466b4b/oauth/authorization_url nullable: false type: string MemberSlimResponse: allOf: - $ref: '#/components/schemas/MemberBaseResponse' - type: object properties: institution: $ref: '#/components/schemas/InstitutionBaseResponse' member_status: $ref: '#/components/schemas/MemberStatusBaseResponse' oauth: $ref: '#/components/schemas/OauthBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' MembersSlimResponseBody: properties: members: items: $ref: '#/components/schemas/MemberSlimResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object DataRequest: type: object description: Contains a products array that specifies the products you want to aggregate. required: - products properties: products: description: Contains the products you want to aggregate upon a successful connection. items: $ref: '#/components/schemas/DataRequestProducts' type: array example: products: - transactions - statements - investments CredentialRequest: properties: guid: example: CRD-27d0edb8-1d50-5b90-bcbc-be270ca42b9f type: string value: example: password type: string type: object MemberCreateRequest: properties: background_aggregation_is_disabled: description: Indicates whether background aggregation is disabled for the `member`. example: false type: boolean credentials: items: $ref: '#/components/schemas/CredentialRequest' type: array id: description: The unique partner-defined identifier for the member. example: unique_id type: string institution_code: description: The code identifying a financial institution. example: mxbank type: string is_oauth: description: Indicates whether the member uses OAuth to authenticate. Defaults to `false`. example: false type: boolean metadata: description: Additional information you can store about the `member`. example: '\"credentials_last_refreshed_at\": \"2015-10-15\' type: string use_cases: type: array description: The use case associated with the member. Valid values are `PFM` and/or `MONEY_MOVEMENT`. Only set this if you've met with MX and have opted in to using this field. items: type: string enum: - MONEY_MOVEMENT - PFM example: - PFM required: - credentials - institution_code type: object OauthAuthorizationUrlRequest: properties: client_redirect_url: description: | This determines the redirect destination at the end of OAuth when used with `is_mobile_webview: true` or `oauth_referral_source: 'APP'`. example: https://{yoursite.com} type: string enable_app2app: example: true type: boolean description: | This indicates whether OAuth app2app behavior is enabled for institutions that support it. Defaults to `true`. When set to `false`, any `oauth_window_uri` generated will **not** direct the end user to the institution's mobile application. This setting is not persistent. This setting currently only affects Chase institutions. referral_source: example: APP type: string ui_message_webview_url_scheme: description: A client-defined scheme used in OAuth redirects in WebViews. Defaults to `mx`. type: string type: object MemberCreateRequestBody: properties: data_request: type: object $ref: '#/components/schemas/DataRequest' member: $ref: '#/components/schemas/MemberCreateRequest' oauth: $ref: '#/components/schemas/OauthAuthorizationUrlRequest' required: - member - data_request type: object MemberStatusNoErrorResponse: properties: status: description: The status of a user's connection to an institution. See [Member Connection Status](/api-reference/platform-api/v20260929/reference/members#member-connection-statuses). example: CONNECTED nullable: true type: string enum: - CREATED - PREVENTED - DENIED - CHALLENGED - REJECTED - LOCKED - CONNECTED - IMPEDED - RECONNECTED - DEGRADED - DISCONNECTED - DISCONTINUED - CLOSED - DELAYED - FAILED - UPDATED - DISABLED - IMPORTED - RESUMED - EXPIRED - IMPAIRED - PENDING error: type: object nullable: true example: null self: description: The API URI path for the member's status. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/members/MBR-7c6f361b-e582-15b6-60c0-358f12466b4b/status nullable: false type: string MemberSlimNoErrorResponse: allOf: - $ref: '#/components/schemas/MemberBaseResponse' - type: object properties: institution: $ref: '#/components/schemas/InstitutionBaseResponse' member_status: $ref: '#/components/schemas/MemberStatusNoErrorResponse' oauth: $ref: '#/components/schemas/OauthBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' MemberSlimNoErrorResponseBody: properties: member: $ref: '#/components/schemas/MemberSlimNoErrorResponse' type: object MemberSlimResponseBody: properties: member: $ref: '#/components/schemas/MemberSlimResponse' type: object MemberUpdateRequest: properties: background_aggregation_is_disabled: description: Indicates whether background aggregation is disabled for the `member`. example: false type: boolean credentials: items: $ref: '#/components/schemas/CredentialRequest' type: array id: description: The unique partner-defined identifier for the member. example: unique_id type: string metadata: description: Additional information you can store about the `member`. example: '\"credentials_last_refreshed_at\": \"2015-10-15\' type: string use_cases: type: array description: The use case associated with the member. Valid values are `PFM` and/or `MONEY_MOVEMENT`. Only set this if you've met with MX and have opted in to using this field. items: type: string enum: - MONEY_MOVEMENT - PFM example: - PFM type: object MemberUpdateRequestBody: properties: member: $ref: '#/components/schemas/MemberUpdateRequest' required: - member type: object AccountOwnerName: properties: name: description: The account owner's name. example: Josh Smith nullable: true type: string first_name: description: The account owner's first name. This may also include a middle name. This field returns `null` if the first name can't be derived from the entity (such as a business or trust) or if name splitting isn't enabled. To enable name splitting, contact MX. example: Josh type: string nullable: true last_name: description: The account owner's last name. This field returns `null` if the last name can't be derived from the entity (such as a business or trust) or if name splitting isn't enabled. To enable name splitting, contact MX. example: Smith nullable: true type: string AccountOwnerAddress: properties: street: description: The account owner's street address. example: 3541 Adrian Street nullable: true type: string city: description: The account owner's city. example: Middlesex nullable: true type: string state: description: The account owner's state. example: VA nullable: true type: string postal_code: description: The account owner's postal code. example: 00000-0000 nullable: true type: string country: description: The account owner's country. example: US nullable: true type: string AccountOwnerPhoneNumber: properties: phone: description: The account owner's phone number. example: 555-555-5555 type: string AccountOwnerEmail: properties: email: description: The email address associated with the account. example: example@example.com type: string AccountOwnerBaseResponse: properties: guid: description: Unique identifier for the account owner. Defined by MX. example: ACO-63dc7714-6fc0-4aa2-a069-c06cdccd1af9 nullable: true type: string names: description: A list of the account owner's names. items: $ref: '#/components/schemas/AccountOwnerName' type: array addresses: description: A list of the account owner's street addresses. items: $ref: '#/components/schemas/AccountOwnerAddress' type: array phone_numbers: description: A list of the account owner's phone numbers. items: $ref: '#/components/schemas/AccountOwnerPhoneNumber' type: array emails: description: A list of the account owner's emails. items: $ref: '#/components/schemas/AccountOwnerEmail' type: array type: object AccountOwnersResponseBody: properties: account_owners: items: allOf: - $ref: '#/components/schemas/AccountOwnerBaseResponse' - type: object properties: account: $ref: '#/components/schemas/AccountBaseResponse' member: $ref: '#/components/schemas/MemberBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' type: object type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object ImageOptionResponse: properties: data_uri: example: data:image/png;base64,iVBORw0KGgoAAAANSUh ... more image data ... nullable: true type: string guid: example: CRD-ce76d2e3-86bd-ec4a-ec52-eb53b5194bf5 nullable: true type: string label: example: IMAGE_1 nullable: true type: string value: example: image_data nullable: true type: string type: object OptionResponse: properties: guid: example: CRD-ce76d2e3-86bd-ec4a-ec52-eb53b5194bf5 nullable: true type: string label: example: IMAGE_1 nullable: true type: string value: example: image_data nullable: true type: string type: object ChallengeResponse: properties: field_name: example: Who is this guy? nullable: true type: string guid: example: CRD-ce76d2e3-86bd-ec4a-ec52-eb53b5194bf5 nullable: true type: string image_data: example: Who is this guy? nullable: true type: string image_options: items: $ref: '#/components/schemas/ImageOptionResponse' type: array label: example: Who is this guy? nullable: true type: string options: items: $ref: '#/components/schemas/OptionResponse' type: array type: example: IMAGE_DATA nullable: true type: string type: object ProductSupportResponse: type: object properties: is_supported: description: Indicates whether the institution supports this product. example: true nullable: true type: boolean ProductsBaseResponse: description: Contains the products available upon a successful connection and their support status. properties: last_attempted_at: description: | The date and time the most recent aggregation-type job was started, given in ISO 8601 format with a time component. A job will automatically be started when a member is created or its credentials are updated. Jobs can also be started via manual aggregations, background aggregations, API endpoints, or when opening an MX widget. A job can be a normal aggregation for transactions, or a premium job such as identity_verification, account_verification, rewards, statements, or extended transaction_history. If a member is deleted and then re-created within the throttle window (typically three hours), the previous value will be returned. example: '2025-01-13T17:57:38.000Z' nullable: true type: string last_updated_at: description: The date and time of the last successful aggregation, represented in ISO 8601 format with a timestamp. example: '2025-01-13T17:57:38.000Z' nullable: true type: string account_verification: $ref: '#/components/schemas/ProductSupportResponse' identity_verification: $ref: '#/components/schemas/ProductSupportResponse' investments: $ref: '#/components/schemas/ProductSupportResponse' rewards: $ref: '#/components/schemas/ProductSupportResponse' statements: $ref: '#/components/schemas/ProductSupportResponse' transaction_history: $ref: '#/components/schemas/ProductSupportResponse' transactions: $ref: '#/components/schemas/ProductSupportResponse' type: object MemberStatusResponse: allOf: - $ref: '#/components/schemas/MemberStatusBaseResponse' - type: object properties: challenges: items: $ref: '#/components/schemas/ChallengeResponse' type: array member: $ref: '#/components/schemas/MemberBaseResponse' products: $ref: '#/components/schemas/ProductsBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' type: object MemberStatusResponseBody: properties: member_status: $ref: '#/components/schemas/MemberStatusResponse' type: object AccountUpdateRequest: properties: account_subtype: description: Can only be updated for manual accounts. example: PERSONAL nullable: true type: string account_type: description: The type of account. Some account types may include subtypes. For a full list of account types and subtypes, see [Account Types](/api-reference/platform-api/v20260929/reference/accounts#account-types). example: CHECKING nullable: true type: string enum: - ANY - CASH - CHECKING - CHECKING_LINE_OF_CREDIT - CREDIT_CARD - LOAN - LINE_OF_CREDIT - SAVINGS - INVESTMENT - MORTGAGE - INSURANCE - PREPAID - PROPERTY apr: description: Can only be updated for manual accounts. The annual percentage rate associated with the `account`. example: 5.25 nullable: true type: number apy: description: Can only be updated for manual accounts. The annual percentage yield associated with the `account`. example: 2.35 type: number available_balance: description: | Can only be updated for manual accounts. The balance that is available for use in asset accounts like checking and savings. example: 1000 type: number balance: description: Can only be updated for manual accounts. The current balance of the account. example: 1000 type: number cash_surrender_value: description: Can only be updated for manual accounts. The sum of money paid to the policyholder or annuity holder in the event the policy is voluntarily terminated before it matures, or the insured event occurs. example: 1000 type: number credit_limit: description: Can only be updated for manual accounts. The credit limit associated with the `account`. example: 5000 nullable: true type: number currency_code: description: Can only be updated for manual accounts. The three-character ISO 4217 currency code, for example, `USD`. example: USD nullable: true type: string death_benefit: description: Can only be updated for manual accounts. The amount paid to the beneficiary of the account upon death of the account owner. example: 1000 type: integer interest_rate: example: 1 type: number description: Can only be updated for manual accounts. is_business: example: false type: boolean description: Can be updated for manual accounts and aggregated accounts. is_closed: example: false type: boolean description: Can only be updated for manual accounts. is_hidden: example: false type: boolean description: Can be updated for manual accounts and aggregated accounts. loan_amount: example: 1000 type: number description: Can only be updated for manual accounts. metadata: example: some metadata type: string description: Can only be updated for manual accounts. name: example: Test account 2 type: string description: Can only be updated for manual accounts. nickname: example: Swiss Account type: string description: Can only be updated for manual accounts. original_balance: example: 10 type: number description: Can only be updated for manual accounts. property_type: example: VEHICLE type: string description: Can only be updated for manual accounts. skip_webhook: example: true type: boolean description: If set to `true`, prevents sending an account webhook for the update if that webhook type is enabled for you. type: object AccountUpdateRequestBody: properties: account: $ref: '#/components/schemas/AccountUpdateRequest' required: - account type: object ChallengesResponseBody: properties: challenges: items: $ref: '#/components/schemas/ChallengeResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object InvestmentHoldingResponse: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string cost_basis: description: The original value of an asset for tax purposes, usually the purchase price, used to calculate capital gains or losses. Accumulated price. example: 827 nullable: true type: number coupon_yield: description: The rate of return the bonds coupon rate generates. example: null nullable: true type: string currency_code: description: The three-character ISO 4217 currency code, for example, `USD`. example: USD nullable: true type: string current_price: description: The present market price of a single unit of the holding (for example, stock price per share). example: 15 nullable: true type: number daily_change: description: The daily change in the `current_price` of the holding since the previous trading day. example: 2.5 nullable: true type: number description: description: A brief description of the holding, such as the company name for stocks or the bond type for bonds. example: Guggenheim Defensive Equity ETF nullable: true type: string expiration: description: The expiration date associated with the holding. example: null nullable: true type: string face_value: description: The nominal value of a bond or fixed-income security, paid to the holder at maturity. example: 1000 nullable: true type: number frequency: description: The frequency of the interest paid on the bond (i.e. Annually, Monthly, etc.) example: ANNUALLY nullable: true type: string guid: description: The unique identifier for the holding. Defined by MX. example: HOL-d65683e8-9eab-26bb-bcfd-ced159c9abe2 nullable: true type: string market_value: description: The current market value of the holding, calculated as the current price times the number of units (shares) owned. example: 989.5 nullable: true type: number maturity_date: description: The maturity date associated with the holding. example: null nullable: true type: string percentage_change: description: The percent change in the `current_price` of the holding compared to a previous time period. It is the percentage change that reflects the `daily_change`. example: 0.2 nullable: true type: number purchase_price: description: The average price paid for the holding. example: 26.3 nullable: true type: number quantity: description: The number of units of the holding owned (for example, number of shares of stock). example: '5000.0' nullable: true type: string rate: description: The interest on the bond, subject to determining the payout amount of the bond. example: null nullable: true type: number strike_price: description: The strike price associated to the option. example: null nullable: true type: number symbol: description: The ticker symbol or unique identifier of the holding, used in stock exchanges. example: DEF nullable: true type: string term: description: The length of time until the bond's principal amount is due to be repaid. It is the period from when the bond is issued until it reaches its maturity date. example: null nullable: true type: string today_ugl_amount: description: The unrealized gain/loss amount for today. example: 200 nullable: true type: number today_ugl_percentage: description: The unrealized gain/loss percentage for today. example: 0.27 nullable: true type: number total_ugl_amount: description: The total unrealized gain/loss amount for an investment. example: 20000 nullable: true type: number total_ugl_percentage: description: The total unrealized gain/loss for the holding since it was acquired. example: 26.67 nullable: true type: number unvested_quantity: description: The number of units (for example, shares) of the holding that are not yet vested or owned outright by the holder. example: null nullable: true type: number unvested_value: description: The value of the portion of the holding that is unvested. example: null nullable: true type: number user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string vested_quantity: description: The number of units (for example, shares) of the holding that are vested and fully owned by the holder. example: null nullable: true type: number vested_value: description: The value of the portion of the holding that is vested and fully owned by the holder. example: null nullable: true type: number created_at: description: The date and time the investment holding was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string current_price_as_of: description: The date and time when the current price was last updated, represented in ISO 8601 format with a timestamp. example: '2023-11-06T00:00:00Z' nullable: true type: string issue_date: description: The date on which a security was issued or made available for sale. example: '2015-08-15' nullable: true type: string vesting_start_date: description: The date from which the vesting schedule for a holding begins. example: null nullable: true type: string vesting_end_date: description: The date from which the vesting schedule for a holding ends. example: null nullable: true type: string put_or_call: description: States whether the option is a `PUT` or `CALL`. example: null nullable: true type: string holding_type: description: The type of investment (e.g., equity, fixed income, mutual fund, etc.) example: MUTUAL_FUND nullable: true type: string term_unit: description: The unit type of the term associated to the bond. (Year, Month, etc.) example: null nullable: true type: string type: object InvestmentHoldingsResponseBody: properties: investment_holdings: items: $ref: '#/components/schemas/InvestmentHoldingResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object InvestmentHoldingResponseBody: properties: investment_holding: $ref: '#/components/schemas/InvestmentHoldingResponse' type: object InvestmentHoldingsDeactivation: properties: message: example: Successfully deactivated user from billing status: example: 200 OauthAuthorizationUrlRequestBody: properties: data_request: type: object $ref: '#/components/schemas/DataRequest' oauth: $ref: '#/components/schemas/OauthAuthorizationUrlRequest' required: - data_request type: object OauthAuthorizationUrlResponse: allOf: - $ref: '#/components/schemas/OauthBaseResponse' - type: object properties: member: $ref: '#/components/schemas/MemberBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' type: object OauthAuthorizationUrlResponseBody: properties: oauth: $ref: '#/components/schemas/OauthAuthorizationUrlResponse' type: object MemberResumeRequest: properties: challenges: items: $ref: '#/components/schemas/CredentialRequest' type: array type: object MemberResumeRequestBody: properties: member: $ref: '#/components/schemas/MemberResumeRequest' required: - member type: object StatementBaseResponse: properties: content_hash: description: An SHA-256 hash value of the statement's byte payload. example: ca53785b812d00ef821c3d94bfd6e5bbc0020504410589b7ea8552169f021981 nullable: true type: string guid: description: The unique identifier for the `statement`. Defined by MX. example: STA-737a344b-caae-0f6e-1384-01f52e75dcb1 nullable: true type: string uri: description: A URI for accessing the byte payload of the `statement`. example: uri/to/statement nullable: true type: string StatementResponse: allOf: - $ref: '#/components/schemas/StatementBaseResponse' - type: object properties: account: $ref: '#/components/schemas/AccountBaseResponse' member: $ref: '#/components/schemas/MemberBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' StatementsResponseBody: properties: statements: items: $ref: '#/components/schemas/StatementResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object StatementResponseBody: properties: statement: $ref: '#/components/schemas/StatementResponse' type: object SpendingPlanIterationItemResponse: properties: actual_amount: description: The sum of the transactions associated with the spending plan `iteration_item`. example: 345 nullable: true type: number category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string created_at: description: The date and time the spending plan iteration item was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string guid: description: The unique identifier for the spending plan `iteration_item`. Defined by MX. example: SPL-e5f9a5bd-c5b3-4901-bdc0-62119b9db262 nullable: true type: string item_type: description: The type of transaction grouping for the spending plan `iteration_item` (0 = `RECURRING_EXPENSE`, 1 = `PLANNED_EXPENSE`, 2 = `OTHER_EXPENSE`, 3 = `INCOME`). example: 1 nullable: true type: integer enum: - 0 - 1 - 2 - 3 planned_amount: description: The total amount planned for a spending plan `iteration_item`. example: 110 nullable: true type: number scheduled_payment_guid: description: The unique identifier for the `scheduled_payment_guid` associated with the spending plan `iteration_item`. Defined by MX. example: SCP-c731988a-712f-4f83-9b3b-0aa5b3d5208b nullable: true type: string spending_plan_iteration_guid: description: The unique identifier for the spending plan `iteration_item`. Defined by MX. example: SPI-848e6648-3fa3-4632-ac8f-e65f03167102 nullable: true type: string top_level_category_guid: description: The unique identifier for the `top_level_category_guid` associated with the spending plan `iteration_item`. Defined by MX. example: CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8 nullable: true type: string transaction_guids: description: An array of transaction GUIDs that are relevant to the spending plan `iteration_item`. Defined by MX. items: example: TRN-265abee9-889b-af6a-c69b-25157db2bdd9 nullable: true type: string type: array updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string type: object SpendingPlanIterationItemsResponseBody: properties: iteration_items: items: $ref: '#/components/schemas/SpendingPlanIterationItemResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object SpendingPlanIterationItemCreateRequestBody: properties: category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e type: string item_type: description: The type of transaction grouping for the spending plan `iteration_item` (0 = `RECURRING_EXPENSE`, 1 = `PLANNED_EXPENSE`, 2 = `OTHER_EXPENSE`, 3 = `INCOME`). example: 1 type: number planned_amount: description: The total amount planned for a spending plan `iteration_item`. example: 61.11 type: number scheduled_payment_guid: description: The unique identifier for the `scheduled_payment_guid` associated with the spending plan `iteration_item`. Defined by MX. example: SCP-c731988a-712f-4f83-9b3b-0aa5b3d5208b type: string top_level_category_guid: description: The unique identifier for the `top_level_category_guid` associated with the spending plan `iteration_item`. Defined by MX. example: CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8 type: string required: - planned_amount type: object SpendingPlanResponse: properties: created_at: description: The date and time the spending plan was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string current_iteration_number: description: The current active associated `spending_plan_iteration` number for a given `spending_plan`. example: 1 nullable: true type: integer guid: description: The unique identifier for the `spending_plan`. Defined by MX. example: SPL-e5f9a5bd-c5b3-4901-bdc0-62119b9db262 nullable: true type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string type: object SpendingPlansResponseBody: properties: spending_plans: items: $ref: '#/components/schemas/SpendingPlanResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object SpendingPlanAccountResponse: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string client_guid: description: The unique identifier for the client associated with the insight. Defined by MX. example: CLT-abcd-1234 type: string created_at: description: The date and time the spending plan account was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' type: string guid: description: The unique identifier for the spending plan account. Defined by MX. example: SPA-c76e4a85-b2c4-4335-82b7-8f8b8f28c35a type: string spending_plan_guid: description: The unique identifier for the spending plan. Defined by MX. example: SPL-dbfe201d-c341-4bff-93c0-62a918d0b600 type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 type: string type: object SpendingPlanAccountsResponse: properties: spending_plan_accounts: items: $ref: '#/components/schemas/SpendingPlanAccountResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object SpendingPlanIterationResponse: properties: created_at: description: The date and time the spending plan iteration was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string end_on: description: The date on which the spending plan iteration ends. example: '2023-05-31' nullable: true type: string guid: description: The unique identifier for the spending plan iteration. Defined by MX. example: SPI-848e6648-3fa3-4632-ac8f-e65f03167102 nullable: true type: string iteration_number: description: The current iteration number for the spending plan iteration. example: 1 nullable: true type: integer spending_plan_guid: description: The unique identifier for the spending plan. Defined by MX. example: SPL-dbfe201d-c341-4bff-93c0-62a918d0b600 nullable: true type: string start_on: description: The date on which the spending plan iteration starts. example: '2023-05-01' nullable: true type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string type: object SpendingPlanIterationsResponse: properties: iterations: items: $ref: '#/components/schemas/SpendingPlanIterationResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object TaggingResponse: properties: guid: description: The unique identifier for the tagging. Defined by MX. example: TGN-007f5486-17e1-45fc-8b87-8f03984430fe nullable: true type: string member_is_managed_by_user: description: This indicates whether the member is managed by the user or the MX partner. Members created with the managed member feature will have this field set to `false`. example: false nullable: true type: boolean tag_guid: description: The unique identifier for the tag. Defined by MX. example: TAG-40faf068-abb4-405c-8f6a-e883ed541fff nullable: true type: string transaction_guid: description: The unique identifier for the transaction. Defined by MX. example: TRN-810828b0-5210-4878-9bd3-f4ce514f90c4 nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string type: object TaggingsResponseBody: properties: taggings: items: $ref: '#/components/schemas/TaggingResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object TaggingCreateRequest: properties: tag_guid: description: The unique identifier for the tag. example: TAG-40faf068-abb4-405c-8f6a-e883ed541fff type: string transaction_guid: description: The unique identifier for the `transaction`. example: TRN-810828b0-5210-4878-9bd3-f4ce514f90c4 type: string required: - tag_guid - transaction_guid type: object TaggingCreateRequestBody: properties: tagging: $ref: '#/components/schemas/TaggingCreateRequest' required: - tagging type: object TaggingResponseBody: properties: tagging: $ref: '#/components/schemas/TaggingResponse' type: object TaggingUpdateRequest: properties: tag_guid: description: The unique identifier for the tagging. example: TAG-40faf068-abb4-405c-8f6a-e883ed541fff type: string required: - tag_guid type: object TaggingUpdateRequestBody: properties: tagging: $ref: '#/components/schemas/TaggingUpdateRequest' required: - tagging type: object TagResponse: properties: guid: description: The unique identifier for the tag. Defined by MX. example: TAG-aef36e72-6294-4c38-844d-e573e80aed52 nullable: true type: string name: description: The name of the tag. example: MY TAG nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string type: object TagsResponseBody: properties: tags: items: $ref: '#/components/schemas/TagResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object TagCreateRequest: properties: name: description: The name of the tag. example: MY TAG type: string required: - name type: object TagCreateRequestBody: properties: tag: $ref: '#/components/schemas/TagCreateRequest' required: - tag type: object TagResponseBody: properties: tag: $ref: '#/components/schemas/TagResponse' type: object TagUpdateRequest: properties: name: description: The name of the tag. example: MY TAG type: string required: - name type: object TagUpdateRequestBody: properties: tag: $ref: '#/components/schemas/TagUpdateRequest' required: - tag type: object TransactionRuleResponse: properties: category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string created_at: description: The date and time the resource was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: true type: string description: description: The matched transaction's `description` will be updated to the string provided here. example: Wal-mart food storage nullable: true type: string guid: description: A unique identifier for the `transaction_rule`. Defined by MX. example: TXR-a080e0f9-a2d4-4d6f-9e03-672cc357a4d3 nullable: true type: string match_description: description: A string used to find a transaction to which the rule will be applied. Transaction matching is based on a comparison of `match_description` to a transaction's cleansed description. example: Wal-mart nullable: true type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string type: object TransactionRulesResponseBody: properties: transaction_rules: items: $ref: '#/components/schemas/TransactionRuleResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object TransactionRuleCreateRequest: properties: category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string description: description: The description to apply to transactions matched by this rule. example: Wal-mart food storage type: string match_description: description: The description text a transaction must match for the rule to apply. example: Wal-mart type: string required: - category_guid - match_description type: object TransactionRuleCreateRequestBody: properties: transaction_rule: $ref: '#/components/schemas/TransactionRuleCreateRequest' required: - transaction_rule type: object TransactionRuleResponseBody: properties: transaction_rule: $ref: '#/components/schemas/TransactionRuleResponse' type: object TransactionRuleUpdateRequest: properties: category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string description: description: The matched transaction's `description` will be updated to the string provided here. example: Wal-mart food storage type: string match_description: description: A string used to find a transaction to which the rule will be applied. Transaction matching is based on a comparison of `match_description` to a transaction's cleansed description. example: Wal-mart type: string type: object TransactionRuleUpdateRequestBody: properties: transaction_rule: $ref: '#/components/schemas/TransactionRuleUpdateRequest' required: - transaction_rule type: object TransactionIncludesResponseBody: properties: transaction: $ref: '#/components/schemas/TransactionIncludesResponse' type: object TransactionUpdateRequest: properties: category_guid: description: The unique identifier for the category to assign to the transaction. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e type: string date: description: The date of the transaction in ISO 8601 format (`YYYY-MM-DD`). example: '2026-09-24' type: string description: description: A human-readable description of the transaction. example: new description type: string memo: description: Additional descriptive information about the transaction. example: Additional information on transaction type: string type: object TransactionUpdateRequestBody: properties: transaction: $ref: '#/components/schemas/TransactionUpdateRequest' required: - transaction type: object DeepLinkParams: type: object description: Enables widget-specific behavior. properties: account_guid: example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 type: string description: Only use this option if the `widget_type` is set to `spending_widget`. When used with the Legacy Spending Widget, used to filter by account. Contains an `account_guid` (string) optional param. date_range: type: object description: Only use this option if the `widget_type` is set to `spending_widget`. When used with the Legacy Spending widget, used to filter by date range. Set the `date_range` using `start_date` (string) and `end_date` (string). properties: start_date: type: string description: The start date of the range in `YYYY-MM-DD` format. example: '2023-01-01' end_date: type: string description: The end date of the range in `YYYY-MM-DD` format. example: '2023-12-31' launch_integration: example: direct-deposit type: string description: Only use this option if the `widget_type` is set to `actionable_integration_widget`. Launches a deep link integration. Valid value is `direct-deposit`. view: example: manage_income type: string description: When used with the Cash Flow, Settings, or Money Dashboard widget, sets the widget's default view. Valid value for Cash Flow or Money Dashboard Widgets is `manage_income.` Valid values for the Notifications section of the Settings Widget (`notifications_settings_widget`) are `accounts`, `budgets`, or `insights`. widget: example: budgets type: string description: Only use this option if the `widget_type` is set to `master_widget`. Launches a specific view in the Master Widget. Valid values are `accounts`, `budgets`, `cash_flow`, `debts`, `finstrong`, `goals`, `insights`, `investments`, `networth`, `recurringtransactions`, `spending`, `transactions`, and `trends`. Style: type: object description: Contains fields to customize the appearance of a widget. required: - font_name properties: font_name: type: string description: Sets the widget's font. Pass any Google font to change it. example: Roboto WidgetRequestBody: properties: widget_url: $ref: '#/components/schemas/WidgetRequest' type: object WidgetRequest: properties: client_redirect_url: description: | Only use this option if the `widget_type` is set to `connect_widget`. This determines the redirect destination at the end of OAuth when used with `is_mobile_webview: true` or `oauth_referral_source: 'APP'`. Required when `is_mobile_webview: true` and `ui_message_webview_url_scheme` is `"mx"` or not provided. example: https://{yoursite.com} type: string color_scheme: description: | This option can be passed to any `widget_type` but will not affect [legacy PFM widgets](/products/experience/pfm/legacy-widget-overviews/). Load the widget with the specified `color_scheme`; options are `light`, `dark`, and `browser` (respects user's browser setting). Defaults to `light`. example: light nullable: true type: string enum: - light - browser - dark current_institution_code: description: | Only use this option if the `widget_type` is set to `connect_widget`. Load the widget into the credential view for the specified institution. example: mx_bank nullable: true type: string current_institution_guid: description: | Only use this option if the `widget_type` is set to `connect_widget`. Load the widget into the credential view for the specified institution. example: INS-f1a3285d-e855-b61f-6aa7-8ae575c0e0e9 type: string current_member_guid: description: | Only use this option if the `widget_type` is set to `connect_widget`. Load the widget into a specific member that contains an error or requires multifactor authentication. The widget will determine the best view to load based on the member's current state. This option takes precedence over `current_institution_code` and `current_institution_guid`. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: true type: string current_microdeposit_guid: example: MIC-1234567890 description: Only use this option if the `widget_type` is set to `connect_widget`. This loads the Connect Widget to whichever step the microdeposit process is currently in, which may be the verify amounts step, an error state, and so on. This field is required if attempting to load a specific microdeposit for end users to enter amounts. type: string data_request: $ref: '#/components/schemas/DataRequest' description: | Used for the Connect Widget and Connections Widget. Specifies the data products to retrieve. This replaces the deprecated `mode`, `include_transactions`, and `include_identity` parameters and can't be sent with them. deep_link_params: $ref: '#/components/schemas/DeepLinkParams' disable_background_agg: description: | Only use this option if the `widget_type` is set to `connect_widget`. This determines whether background aggregation is enabled or disabled for the `member` created by the Connect Widget. Defaults to `false` for transaction aggregation and `true` for account verification. A global default for all members can be set by reaching out to MX. example: false type: boolean disable_institution_search: description: | Only use this option if the `widget_type` is set to `connect_widget`. Requires one of the following parameters: `current_institution_code`, `current_institution_guid`, or `current_member_guid`. When set to `true`, navigating back to the search step triggers the [Back to Search](/connect/widget-events#back-to-search) event. You must listen for this event and close the widget to avoid trapping the user in the search flow. example: false nullable: true type: boolean enable_app2app: example: true type: boolean description: | Only use this option if the `widget_type` is set to `connect_widget`. This indicates whether OAuth app2app behavior is enabled for institutions that support it. Defaults to `true`. When set to `false`, the widget will **not** direct the end user to the institution's mobile application. This setting is not persistent. This setting currently only affects Chase institutions. include_identity: example: false type: boolean description: | Deprecated: Use `data_request.products` instead to set your products. You can't send this option with `data_request`. Only use this option if the `widget_type` is set to `connect_widget`. This determines whether account owner identification data (AOI, previously called "identity verification") aggregates after the data that's specified by the `mode` finishes aggregating. Defaults to `false`. This can be set in either `aggregation` or `verification` mode. Setting this to `true` will produce the following behaviors: - The widget will only search for and display institutions that support the data the `mode` (`aggregation` or `verification`) is aggregating and AOI. - The member connected postMessage event will not be sent until both aggregations are complete. include_transactions: description: | Deprecated: Use `data_request.products` instead to set your products. You can't send this option with `data_request`. Only use this option if the `widget_type` is set to `connect_widget`. This determines whether transaction data are retrieved. Defaults to `true` in `aggregation` mode and `false` in `verification` mode. This can be set in either aggregation or verification mode. This option does not affect future foreground or background aggregations. example: true type: boolean insight_guid: example: null type: string nullable: true description: | Only use this option if the `widget_type` is set to `pulse_widget`. Set this to the insight guid you want to appear at the top of the insights feed. iso_country_code: example: - US - CA type: array items: type: string description: | An array of strings that filters institutions in the widget by the specified country code. Acceptable codes include `US`, `CA`, and `MX` (Mexico). is_mobile_webview: example: false type: boolean description: | This option is for every `widget_type`. This configures the widget to render in a mobile WebView. JavaScript event postMessages are replaced with URL updates. When set to `true`, you must provide one of the following: - `ui_message_webview_url_scheme` set to a value other than "mx" - `client_redirect_url` If `ui_message_webview_url_scheme` is "mx" or not provided, `client_redirect_url` is required. microwidget_instance_id: example: null type: string nullable: true description: | Only use this option if the `widget_type` is set to `micro_pulse_carousel_widget`. Set this to a unique value for each instance of the Micro Insights Widget. This lets us collect unique data for each instance of the widget. locale: description: | Sets the language of the widget. If you're requesting the Connect or Connections Widgets, you must use the Accept-Language header. example: fr-CA type: string mode: example: aggregation type: string description: | Deprecated: Use `data_request.products` instead to set your products. You can't send this option with `data_request`. Only use this option if the `widget_type` is set to `connect_widget`. `mode` is the most important option for the Connect Widget. This determines what kind of process Connect will run, which affects how you should set many other options. Defaults to `aggregation`. `aggregation` mode retrieves account and transaction data; in other words, this runs a standard aggregation. `verification` mode retrieves account numbers and routing/transit numbers; in other words, it runs an Instant Account Verification (IAV). By default, verification mode does not retrieve transaction data; this default can be modified with secondary options. By default, background aggregation is disabled for all members created in verification mode; this default can be modified with secondary options. oauth_referral_source: example: BROWSER type: string description: | Only use this option if the `widget_type` is set to `connect_widget`. This determines how MX will respond to the result of an OAuth flow. When set to `APP`, MX will redirect to the URI specified in the `ui_message_webview_url_scheme`. When set to `BROWSER`, MX will send a postMessage but not redirect. If `is_mobile_webview` is `true`, this defaults to `APP`. If false, it defaults to `BROWSER`. style: $ref: '#/components/schemas/Style' target_origin_referrer: example: https://app.example.com type: string nullable: true description: | Only use this option if the `widget_type` is set to `connect_widget` or `connections_widget`. The origin that receives the widget's postMessage events: the exact origin of the page that embeds the widget, such as `https://app.example.com`. Include the scheme, host, and port (if non-default), with no path or trailing slash. Only this origin receives events. If omitted, the widget sends events to the origin in the `Referer` header of the request that loads the widget. Set this option when your site's `Referrer-Policy` (for example, `no-referrer` or `same-origin`) blocks that header and you can't change the policy. Not used when `is_mobile_webview` is `true`, because events are sent as URL changes. See [Troubleshooting](/connect/widget-events#troubleshooting). ui_message_webview_url_scheme: type: string description: | Only use this option if the `widget_type` is set to `connect_widget`. This is a client-defined scheme used in OAuth redirects in WebViews; also used in URL updates when these replace postMessages in WebViews. Defaults to `mx`. When this is set to `"mx"` and `is_mobile_webview` is `true`, you must also provide `client_redirect_url`. update_credentials: example: false type: boolean description: | Only use this option if the `widget_type` is set to `connect_widget`. Load the widget into a view that allows them to update the current member. Optionally used with `current_member_guid`. This option should be used sparingly. The best practice is to use `current_member_guid` and let the widget resolve the issue. use_cases: type: array description: The use case that will be associated with any members created through the widget. Valid values are `PFM` and/or `MONEY_MOVEMENT`. This is **required** if you've met with MX and have opted in to using this field. items: type: string enum: - MONEY_MOVEMENT - PFM example: - PFM widget_type: example: connect_widget type: string description: | This determines which widget URL you'll receive. See [Widget Types](/api-reference/platform-api/v20260929/reference/widgets) for a list of potential values. Additional request parameters may only apply to some widget types. required: - widget_type type: object WidgetResponse: properties: type: description: | This determines which widget URL you'll receive. Additional request parameters may only apply to some widget types. example: connect_widget nullable: true type: string enum: - accounts_widget - mini_accounts_widget - actionable_integration_widget - budgets_widget - mini_budgets_widget - cash_flow_widget - mini_cash_flow_widget - connect_widget - connections_widget - debts_widget - finstrong_widget - mini_finstrong_widget - goals_widget - help_widget - master_widget - money_dashboard_widget - net_worth_widget - mini_net_worth_widget - notifications_settings_widget - recurringtransactions_widget - mini_recurringtransactions_widget - settings_widget - spending_widget - mini_spending_widget - spending_plan_widget - mini_spending_plan_widget - transaction_rules_widget - transactions_widget - trends_widget - mini_trends_widget url: description: The URL for accessing the widget. example: https://int-widgets.moneydesktop.com/md/connect/yxcdk7f1nb99jwApp34lA24m0AZ8rzprgmw17gm8z8h2AzjyAnd1rj42qfv42r3xnn07Amfwlg3j09hwp8bkq8tc5z21j33xjggmp2qtlpkz2v4gywfhfn31l44tx2w91bfc2thc58j4syqp0hgxcyvA4g7754hk7gjc56kt7tc36s45mmkdz2jqqqydspytmtr3dAb9jh6fkb24f3zkfpdjj0v77f0vmrtzvzxkmxz7dklsq8gd0gstkbhlw5bgpgc3m9mAtpAcr2w15gwy5xc4blgxppl42Avnm63291z3cyp0wm3lqgmvgzdAddct423gAdqxdlfx5d4mvc0ck2gt7ktqgks4vxq1pAy5 nullable: true type: string user_id: description: The unique partner-defined identifier for the user. example: u-1234 nullable: true type: string type: object WidgetResponseBody: properties: widget_url: $ref: '#/components/schemas/WidgetResponse' type: object BudgetResponse: properties: amount: description: A goal amount set by the user for a category's transaction total during a month. example: 153 type: number category_guid: description: The unique identifier for the category. Defined by MX. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: false type: string created_at: description: The date and time the budget was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' nullable: false type: string guid: description: Unique identifier for the `budget`. Defined by MX. example: BGT-6ca0e3ef-c65e-4655-8b5a-275a3c19c21d type: string is_exceeded: description: If the budget has been exceeded, this field will be true. Otherwise, this field will be false. example: true type: boolean is_off_track: description: If the budget is off track, this field will be true. Otherwise, this field will be false. example: true type: boolean metadata: description: Additional information you stored about the `budget`. example: some metadata nullable: true type: string name: description: The name of the budget that is visible to the user (ie "Food", "Bills", "Entertainment", etc). example: Food & Dining type: string nullable: true off_track_percentage: description: The percentage amount of off track spending. (Deprecated). nullable: true type: number parent_guid: description: Unique identifier for the parent budget. Defined by MX. nullable: true type: string percent_spent: description: The percentage of a budget that has been spent during the current calendar month Calculated as the transaction total divided by the amount and then multiplied by 100.A value of zero will be returned when `amount` is zero. example: 1276.34 nullable: true type: number projected_spending: description: The projected amount of spending for the budget. example: 3562.4 type: number revision: description: The revision number of this budget record. example: 561 type: integer transaction_total: description: The cumulative amount of all transactions under the budget. example: 1952.8 updated_at: description: Date and time the budget was updated, represented in ISO 8601 format with timestamp. example: '2022-06-14T21:17:11+00:00' user_guid: description: Unique identifier for the user. Defined by MX. example: USR-11141024-90b3-1bce-cac9-c06ced52ab4c BudgetResponseBody: properties: budget: $ref: '#/components/schemas/BudgetResponse' type: object BudgetCreateRequest: properties: category_guid: description: The unique identifier for the category. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e type: string parent_guid: example: BGT-6be44a91-e105-f68a-4770-8c7c0a5c9778 description: Unique identifier of the parent budget. This is only required when creating a budget on a sub-category. type: string amount: example: 1000 description: Amount of the budget. type: integer metadata: example: Additional information description: Additional information you can store on the `budget`. type: string skip_webhook: example: true description: When set to true, this parameter will prevent a webhook from being triggered by the request. type: boolean required: - category_guid - parent_guid type: object BudgetCreateRequestBody: properties: budget: $ref: '#/components/schemas/BudgetCreateRequest' required: - budget type: object BudgetUpdateRequest: properties: amount: example: 1000 description: Amount of the budget. type: integer metadata: example: Additional information description: Additional information you can store on the `budget`. type: string skip_webhook: example: true description: When set to true, this parameter will prevent a webhook from being triggered by the request. type: boolean type: object BudgetUpdateRequestBody: properties: budget: $ref: '#/components/schemas/BudgetUpdateRequest' required: - budget type: object GoalsResponse: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string amount: description: The amount of the `goal`. example: 4500 type: number current_amount: description: The current amount of the `goal`. example: 1500 type: number guid: description: The unique identifier for the goal. Defined by MX. example: GOL-524ca5db-a2d5-44f3-b048-16de16059024 type: string goal_type_name: description: The type of goal. example: SAVE_AMOUNT nullable: true type: string enum: - SAVE_AMOUNT - PAYOFF meta_type_name: description: The category of the goal. example: VACATION type: string enum: - AUTOMOBILE - COLLEGE - ELECTRONIC - EMERGENCY_FUND - HOUSE - OTHER - RECREATIONAL_VEHICLE - RETIREMENT - SETUP_BUDGETS - START_MONEY_MANAGEMENT - VACATION name: description: The name of the goal. example: Save for Europe type: string completed_at: description: Date and time the `goal` was completed, represented in ISO 8601 format with a timestamp. example: '2025-08-15T10:30:00+00:00' type: string has_been_spent: description: Determines if the goal has been spent. example: false type: boolean is_complete: description: Determines if the goal is complete. example: false type: boolean metadata: description: Additional information you stored about the `goal`. example: Additional information type: string position: description: The priority of the goal in relation to multiple goals. example: 3 type: integer projected_to_complete_at: description: The date on which the project was completed. example: '2022-06-14T16:03:53-00:00' type: string targeted_to_complete_at: description: Date and time the goal is to complete, represented in ISO 8601 format with timestamp. Intended for users to set their own goal completion dates. example: '2026-12-08 00:00:00.000000' type: string track_type_name: description: The track of the goal. example: SAVINGS_TRACK type: string enum: - DEBT_TRACK - SAVINGS_TRACK - RETIREMENT_TRACK - EMERGENCY_FUND_TRACK user_guid: description: The unique identifier for the the user. Defined by MX. example: USR-11141024-90b3-1bce-cac9-c06ced52ab4c type: string GoalsResponseBody: properties: goals: items: $ref: '#/components/schemas/GoalsResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object GoalRequest: properties: account_guid: description: The unique identifier for an account. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string amount: description: The amount of the `goal`. example: 4500 type: number goal_type_name: description: The type of goal. Can be `SAVE_AMOUNT` or `PAYOFF`. example: SAVE_AMOUNT nullable: true type: string enum: - SAVE_AMOUNT - PAYOFF meta_type_name: description: The category of the `goal`. example: VACATION type: string enum: - AUTOMOBILE - COLLEGE - ELECTRONIC - EMERGENCY_FUND - HOUSE - OTHER - RECREATIONAL_VEHICLE - RETIREMENT - SETUP_BUDGETS - START_MONEY_MANAGEMENT - VACATION name: description: The name of the `goal`. example: Save for Europe type: string completed_at: description: Date and time the `goal` was completed, represented in ISO 8601 format with a timestamp. example: '2025-08-15T10:30:00+00:00' type: string has_been_spent: description: Determines if the `goal` has been spent. example: false type: boolean is_complete: description: Determines if the `goal` is complete. example: false type: boolean metadata: description: Additional information you can store about the `goal`. example: Additional information type: string position: description: The priority of the goal in relation to multiple goals. example: 3 type: integer targeted_to_complete_at: description: Date and time the `goal` is to complete. Intended for users to set their own goal completion dates. example: '2026-12-08 00:00:00.000000' type: string required: - account_guid - amount - goal_type_name - meta_type_name - name type: object GoalRequestBody: properties: goal: $ref: '#/components/schemas/GoalRequest' required: - goal type: object GoalResponse: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string amount: description: The amount of the `goal`. example: 4500 type: number completed_at: description: Date and time the `goal` was completed, represented in ISO 8601 format with a timestamp. example: '2025-08-15T10:30:00+00:00' type: string current_amount: description: The current amount of the `goal`. example: 1500 type: number goal_type_name: description: The type of goal. example: SAVE_AMOUNT nullable: true type: string enum: - SAVE_AMOUNT - PAYOFF guid: description: Unique identifier for the goal. Defined by MX. example: GOL-f223463-4355-48d0-rce7-fe2rb345617c type: string has_been_spent: description: Determines if the goal has been spent. example: false type: boolean is_complete: description: Determines if the goal is complete. example: false type: boolean metadata: description: Additional information you stored about the `goal`. example: Additional information type: string meta_type_name: description: The category of the `goal`. example: VACATION type: string enum: - AUTOMOBILE - COLLEGE - ELECTRONIC - EMERGENCY_FUND - HOUSE - OTHER - RECREATIONAL_VEHICLE - RETIREMENT - SETUP_BUDGETS - START_MONEY_MANAGEMENT - VACATION name: description: The name of the `goal`. example: Save for Europe type: string position: description: The priority of the `goal` in relation to multiple goals. example: 3 type: integer projected_to_complete_at: description: Date and time the `goal` is projected to be completed. example: '2022-06-14T16:03:53-00:00' type: string targeted_to_complete_at: description: Date and time the `goal` is to complete. Intended for users to set their own goal completion dates. example: '2026-12-08 00:00:00.000000' type: string track_type_name: description: The track of the `goal`. example: SAVINGS_TRACK type: string enum: - DEBT_TRACK - SAVINGS_TRACK - RETIREMENT_TRACK - EMERGENCY_FUND_TRACK user_guid: description: The unique identifier for the the user. Defined by MX. example: USR-11141024-90b3-1bce-cac9-c06ced52ab4c type: string GoalResponseBody: properties: goal: $ref: '#/components/schemas/GoalResponse' type: object UpdateGoalRequest: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string amount: description: The amount of the `goal`. example: 4500 type: number goal_type_name: description: The type of goal. Can be `SAVE_AMOUNT` or `PAYOFF`. example: SAVE_AMOUNT nullable: true type: string enum: - SAVE_AMOUNT - PAYOFF meta_type_name: description: The category of the goal. example: VACATION type: string enum: - AUTOMOBILE - COLLEGE - ELECTRONIC - EMERGENCY_FUND - HOUSE - OTHER - RECREATIONAL_VEHICLE - RETIREMENT - SETUP_BUDGETS - START_MONEY_MANAGEMENT - VACATION name: description: The name of the goal. example: Save for Europe type: string completed_at: description: Date and time the `goal` was completed, represented in ISO 8601 format with a timestamp. example: '2025-08-15T10:30:00+00:00' type: string has_been_spent: description: Determines if the goal has been spent. example: false type: boolean is_complete: description: Determines if the goal is complete. example: false type: boolean metadata: description: Additional information you can store about the `goal`. example: Additional information type: string position: description: The priority of the `goal` in relation to multiple goals. example: 3 type: integer targeted_to_complete_at: description: Date and time the goal is to complete. Intended for users to set their own goal completion dates. example: '2026-12-08 00:00:00.000000' type: string type: object UpdateGoalRequestBody: properties: goal: $ref: '#/components/schemas/UpdateGoalRequest' required: - goal type: object RepositionRequest: properties: guid: description: The unique identifier for the goal. Defined by MX. example: GOL-97665947-235c-b213-ca25-8cf0174774f5 type: string position: description: The priority of the goal in relation to multiple goals. example: 1 type: integer required: - guid - position RepositionRequestBody: properties: goals: items: $ref: '#/components/schemas/RepositionRequest' type: array required: - goals type: object RepositionResponseBody: properties: goals: items: $ref: '#/components/schemas/GoalsResponse' type: array type: object NotificationResponse: properties: channel: description: | The way the notification will be delivered to the user. All notifications created through the API will be of notification type `API_NOTIFICATION`, channel `PUSH`, and will not be associated to an entity. No other channels are supported. example: EMAIL nullable: true type: string enum: - EMAIL - SMS - PUSH - IN_APP content: description: The main body of the notification text sent to the user. example: You're projected to spend $1,920.07 more than you've budgeted for Fees & Charges. You've already spent $325.67 of $716.00. type: string created_at: description: The date and time the notification was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' type: string deep_link_guid: description: The unique identifier for objects that directly trigger a notification. For example, `TRANSACTION_FEE_CHARGE` and `TRANSACTION_EXPENSE_LARGE` notification types will have a transaction guid in this field. example: BGT-e386a323-e452-47f2-b2fd-1ac3c18533de delivered_at: description: Date and time the notification was delivered, represented in ISO 8601 format with timestamp. example: null entity_guid: description: The unique identifier of the entity that the notification is attached to. example: BGT-e386a323-e452-47f2-b2fd-1ac3c18533de guid: description: Unique identifier for the notification. Defined by MX. example: NTF-b53294f5-2356-4782-9f81-ae064c42b40a has_been_delivered: description: Indicates if the notification has been delivered to the user. example: true has_been_viewed: description: Indicates if the notification has been viewed by the user. example: false notification_type: description: The type of notification. See [Notification Types](/api-reference/platform-api/v20260929/reference/notifications#notification-types). example: 2 subject: description: The notification summary text. Usually the same text used for “in-app” or SMS notifications. example: Your Fees & Charges budget projection threshold: example: 325 NotificationsResponseBody: properties: notifications: items: $ref: '#/components/schemas/NotificationResponse' type: object NotificationRequest: properties: content: description: The main body of the notification text sent to the user. example: You are projected to spend $1,920.07 more than you have budgeted for Fees & Charges. You have already spent $325.67 of $716.00. type: string subject: description: The notification summary text. Usually the same text used for “in-app” or SMS notifications. example: Monthly Budget Report type: string required: - content - subject type: object NotificationRequestBody: properties: notification: $ref: '#/components/schemas/NotificationRequest' required: - notification type: object NotificationResponseBody: properties: notification: $ref: '#/components/schemas/NotificationResponse' type: object RepeatingTransactionResponse: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string amount: description: The monetary amount of the `transaction`. example: 61.11 nullable: true type: number description: description: Merchant or bill description. type: string example: Dominion Energy guid: description: The unique identifier for the repeating transaction. Defined by MX. type: string example: RPT-a2264e1a-d2e6-41d9-88d2-2cfdf1143959 member_guid: description: The unique identifier for the member. Defined by MX. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b type: string merchant_guid: description: The unique identifier for the merchant. Defined by MX. type: string example: MCH-1b5d7e4d-fa29-95d1-fd0f-540b6f17d986 last_posted_date: description: Last occurrence date. type: string example: '2024-12-09' predicted_occurs_on: description: Predicted next occurrence. type: string example: '2025-01-09' recurrence_type: description: The frequency at which a transaction is expected to repeat based on historical patterns. See [Supported Recurrence Types](/api-reference/platform-api/v20260929/reference/transactions#supported-recurrence-types) for full list. On List and Read Transaction endpoints, this value is returned as `frequency` on the `repeating_transaction` include object. type: string enum: - EVERY_WEEK - EVERY_OTHER_WEEK - TWICE_A_MONTH - EVERY_MONTH - EVERY_OTHER_MONTH - EVERY_QUARTER - EVERY_OTHER_QUARTER - EVERY_YEAR - UNKNOWN example: EVERY_MONTH user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 type: string repeating_transaction_type: description: The type of repeating transaction. On List and Read Transaction endpoints, this value is returned as `type` on the `repeating_transaction` include object. type: string enum: - BILL - SUBSCRIPTION - INCOME - UNKNOWN transaction_type: description: The type of transaction. type: string enum: - DEBIT - CREDIT RepeatingTransactionsResponseBody: properties: repeating_transactions: items: $ref: '#/components/schemas/RepeatingTransactionResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object RepeatingTransactionResponseBody: properties: repeating_transaction: $ref: '#/components/schemas/RepeatingTransactionResponse' type: object SplitTransactionRequest: properties: amount: description: The amount of money you want to recategorize. example: 61.11 type: number description: description: Description for the split transaction. example: Chevron Gas type: string category_guid: description: The unique identifier for the category. example: CAT-b6d61a19-30a7-e852-2703-bdfb4072289e nullable: true type: string memo: description: Memo for the split transaction type: string example: Chips and Soda required: - amount SplitTransactionRequestBody: properties: transactions: $ref: '#/components/schemas/SplitTransactionRequest' required: - transactions type: object SplitTransactionsResponseBody: properties: transactions: items: $ref: '#/components/schemas/TransactionSlimResponseBody' type: array type: object MonthlyCashFlowResponse: properties: guid: example: MCF-4e431124-4a29-abf9-f059-ab232ac14dbf type: string description: Unique identifier for the monthly cash flow profile. Defined by MX. user_guid: example: USR-6c83f63c-efcc-0189-3f14-100f0bad378a type: string description: Unique identifier for the user the monthly cash flow profile is attached to. Defined by MX. budgeted_income: description: The amount of the budgeted income for the user. example: 5000 type: number budgeted_expenses: description: The amount of the budgeted expenses for the user. example: 3500 type: number goals_contribution: description: The monthly dollar amount allocated for goals. example: 500 type: number estimated_goals_contribution: example: null nullable: true type: number description: The estimated monthly dollar amount allocated for goals calculated from income and budgets. uses_estimated_goals_contribution: description: Indicates if the user uses estimated goals contribution. example: false type: boolean MonthlyCashFlowResponseBody: properties: monthly_cash_flow_profile: $ref: '#/components/schemas/MonthlyCashFlowResponse' type: object MonthlyCashFlowProfileRequest: properties: goals_contribution: description: The monthly dollar amount allocated for goals. example: 500 type: number uses_estimated_goals_contribution: example: false type: boolean description: Determines if the user uses estimated goals contribution. MonthlyCashFlowProfileRequestBody: properties: monthly_cash_flow_profile: $ref: '#/components/schemas/MonthlyCashFlowProfileRequest' required: - monthly_cash_flow_profile type: object MemberElements: properties: account_guid: description: The unique identifier for an account. Defined by MX. example: ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1 nullable: false type: string member_guid: description: The unique identifier for the member. Defined by MX. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b type: string user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 type: string TokenRequestBody: properties: scope: $ref: '#/components/schemas/MemberElements' required: - scope type: object TokenResponse: properties: payment_processor_guid: description: The unique identifier for the payment processor. Defined by MX. example: PPR-084aa709-8218-4b5a-b3ab-70ffc7483daf type: string expires_at: description: The date and time the access token expires in ISO 8601 format with a timestamp. example: 2023-04-19T15:38:2800:00 type: string access_token: description: The access token you'll use to retrieve data. Every `access_token` expires after 60 days. To get a new token after an old one has expired, you must get a new code from the client. See [How-to Guide for Processors](/products/connectivity/instant-account-verification/processor-token/processor-guide/#1-request-an-access-token). example: eyJhbGciOiJIUzI1NiJ9.eyJpYXQiOjE2NDk3NjQ4MTMsImV4cCI6MTY0OTc2ODQxMywidXNlcl9ndWlkIjoiVVNSLWZhNzUzN2YzLTQ4YWEtYTY4My1hMDJhLWIxODk0MDQ4MmY1NCIsIm9yaWdfaWF0IjoxNjQ5NzY0ODEzfQ.wnhdUerhFIGgwb9OJaKRfW2uTxJ9z7TJ0l2HLqvAMWs nullable: true type: string active: description: Indicates whether the token is active. example: true type: boolean TokenResponseBody: properties: tokens: items: $ref: '#/components/schemas/TokenResponse' type: object ProcessorAccountNumber: properties: account_number: description: The banking account number associated with a particular account. example: 6366816006 type: integer guid: description: The unique identifier for the account number. Defined by MX. example: ACN-68c0b681-78c2-4731-9b41-d6e8ae2846cf type: string institution_number: description: The three-digit number identifying a Canadian banking institution. example: null loan_guarantor: description: The guarantor of the student loan. example: null loan_reference_number: description: The reference number for the student loan. example: null passed_validation: description: Indicates whether the account number has passed validation. example: true routing_number: description: The routing number for the `account`. example: 242564563 type: integer sequence_number: description: The sequence number for the account. example: null transit_number: description: The five-digit number identifying the branch of a Canadian financial institution. example: null ProcessorAccountNumberBody: properties: account_numbers: items: allOf: - $ref: '#/components/schemas/MemberElements' - $ref: '#/components/schemas/ProcessorAccountNumber' type: object MemberResponse: properties: aggregated_at: description: | The date and time the most recent aggregation-type job was started, given in ISO 8601 format with a time component. A job will automatically be started when a member is created or its credentials are updated. Jobs can also be started via manual aggregations, background aggregations, API endpoints, or when opening an MX widget. A job can be a normal aggregation, or a premium job such as identification, verification, fetching statements, or fetching an extended transaction history. If a member is deleted and then re-created within the throttle window (typically three hours), the previous value will be returned. example: '2016-10-13T18:07:57.000Z' nullable: true type: string background_aggregation_is_disabled: description: Indicates whether background aggregation is disabled for the `member`. example: false type: boolean connection_status: description: The status of a user's connection to an institution. See [Member Connection Status](/api-reference/platform-api/v20260929/reference/members#member-connection-statuses). example: CONNECTED nullable: true type: string enum: - CREATED - PREVENTED - DENIED - CHALLENGED - REJECTED - LOCKED - CONNECTED - IMPEDED - RECONNECTED - DEGRADED - DISCONNECTED - DISCONTINUED - CLOSED - DELAYED - FAILED - UPDATED - DISABLED - IMPORTED - RESUMED - EXPIRED - IMPAIRED - PENDING connection_status_message: description: A human-readable message describing the connection status. See [Member Connection Status](/api-reference/platform-api/v20260929/reference/members#member-connection-statuses). example: Connected to MX Bank nullable: true type: string error: nullable: true type: object guid: description: The unique identifier for the member. Defined by MX. example: MBR-7c6f361b-e582-15b6-60c0-358f12466b4b nullable: true type: string id: description: The unique partner-defined identifier for the member. example: unique_id nullable: true type: string institution_code: description: The code identifying a financial institution. example: mxbank nullable: true type: string institution_guid: description: The unique identifier for the institution. Defined by MX. example: INS-12345678-90ab-cdef-1234-567890abcdef nullable: false type: string is_being_aggregated: description: Indicates whether the member was being aggregated at the time of the request. example: false nullable: true type: boolean is_managed_by_user: description: Indicates whether the member is managed by the user or the MX partner. Members created with the managed member feature will have this field set to `false`. example: false nullable: true type: boolean is_manual: description: Indicates whether the transaction was manually created or belongs to a manual account. example: false nullable: true type: boolean is_oauth: description: Indicates whether the member uses OAuth to authenticate. Defaults to `false`. example: false nullable: true type: boolean metadata: description: Additional information you stored about the `member`. example: '\"credentials_last_refreshed_at\": \"2015-10-15\' nullable: true type: string most_recent_job_detail_code: description: (Deprecated) This field is no longer used and will be removed at a future date. example: null nullable: true type: integer most_recent_job_detail_text: description: (Deprecated) This field is no longer used and will be removed at a future date. example: null nullable: true type: boolean most_recent_job_guid: description: The unique identifier for the most recent job. Defined by MX. example: JOB-12345678-90ab-cdef-1234-567890abcdef nullable: true type: string name: description: The name of the `member`. example: MX Bank nullable: true type: string needs_updated_credentials: description: Internal field used by MX in some circumstances. When set to `true`, MX will not attempt to aggregate the member. It will be set to `false` automatically when the member's credentials are updated. example: false nullable: true type: boolean oauth_window_uri: description: When connecting a member using OAuth, this field will contain the URL to send the user to in order to authenticate, otherwise it will be blank. example: https://mxbank.mx.com/oauth/authorize?client_id=b8OikQ4Ep3NuSUrQ13DdvFuwpNx-qqoAsJDVAQCyLkQ&redirect_uri=https%3A%2F%2Fint-app.moneydesktop.com%2Foauth%2Fredirect_from&response_type=code&scope=openid&state=d745bd4ee6f0f9c184757f574bcc2df2 nullable: true type: string successfully_aggregated_at: description: The date and time when the member was last successfully aggregated, represented in ISO 8601 format with a timestamp. example: '2016-10-13T17:57:38.000Z' nullable: true type: string use_cases: type: array description: The use case associated with the member. Valid values are `PFM` and/or `MONEY_MOVEMENT`. Only set this if you've met with MX and have opted in to using this field. items: type: string enum: - MONEY_MOVEMENT - PFM example: - PFM user_guid: description: The unique identifier for the user. Defined by MX. example: USR-fa7537f3-48aa-a683-a02a-b18940482f54 nullable: true type: string user_id: description: The unique partner-defined identifier for the user. example: u-1234 nullable: true type: string type: object allOf: - $ref: '#/components/schemas/MemberResponse' - type: object properties: error: type: object properties: error_type: description: The type of error that occurred. type: string example: MEMBER error_code: description: The specific error code. type: string example: REQUEST_FAILED error_message: description: A human-readable message describing the error. type: string example: There was an error attempting to process your request. The Member was created but we were unable to fulfill the data request. user_message: description: A human-readable message intended for the end user. type: string example: We're having trouble connecting right now. Please try again later. locale: description: The language of `error_message` and `user_message`, such as `en`, `es`, or `fr`. type: string example: en MemberResponseBody: properties: member: $ref: '#/components/schemas/MemberResponse' type: object PaymentAccount: properties: account_name: description: The human-readable name for the account. example: My test account type: string account_number: description: The banking account number associated with a particular account. example: 6366816006 account_type: description: The type of account. Some account types may include subtypes. example: CHECKING nullable: true type: string enum: - ANY - CASH - CHECKING - CHECKING_LINE_OF_CREDIT - CREDIT_CARD - LOAN - LINE_OF_CREDIT - SAVINGS - INVESTMENT - MORTGAGE - INSURANCE - PREPAID - PROPERTY available_balance: description: | The balance that is available for use in asset accounts like checking and savings. `PENDING` transactions are typically (not always) taken into account with the available balance. `available_balance` will usually be a positive value for all account types, determined in the same way as the balance field. example: 1000 type: number balance: description: | The current balance of the account. `PENDING` transactions are typically not taken into account with the current balance, but this may not always be the case. The balance will usually be a positive value for all account types. Asset-type accounts (`CHECKING`, `SAVINGS`, `INVESTMENT`) may have a negative balance if they are in overdraft. Debt-type accounts (`CREDIT_CARD`, `LOAN`, `LINE_OF_CREDIT`, `MORTGAGE`) may have a negative balance if they are overpaid. example: 1000 type: number created_at: description: The date and time the resource was created, represented in ISO 8601 format with a timestamp. example: '2025-02-13T18:08:00+00:00' type: string routing_number: description: The routing number for the `account`. example: 242722023 transit_number: description: The five-digit number identifying the branch of a Canadian financial institution. example: null updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' nullable: true type: string PaymentAccountBody: properties: payment_account: allOf: - $ref: '#/components/schemas/MemberElements' - $ref: '#/components/schemas/PaymentAccount' type: object ProcessorOwner: properties: guid: description: The unique identifier for an account owner. Defined by MX. example: AOW-e9f9cd45-7d14-4fbf-b23c-7f4a6d7671d6 nullable: false type: string owner_name: description: The account owner's name. example: Janita Pollich type: string address: description: The account owner's street address. example: 3541 Adrian Street type: string city: description: The account owner's city. example: North Kishaberg type: string state: description: The account owner's state. example: Maine type: string postal_code: description: The account owner's postal code. example: 45054-7764 type: string country: description: The country name. example: US nullable: true type: string email: description: The email address associated with the account. example: example@example.com type: string phone: description: The phone number associated with the account owner. example: 676-932-5861 type: string ProcessorOwnerBody: properties: account_owners: items: allOf: - $ref: '#/components/schemas/MemberElements' - $ref: '#/components/schemas/ProcessorOwner' pagination: $ref: '#/components/schemas/PaginationResponse' type: object MicrodepositResponse: properties: error_message: description: A message describing an error that occurred. type: string nullable: true example: null guid: description: The unique identifier for the microdeposit. Defined by MX. type: string example: MIC-09ba578e-8448-4f7f-89e1-b62ff2517edb institution_code: description: The code identifying a financial institution. example: mxbank type: string institution_name: description: An easy-to-read name for an institution. May be `null` for institutions that are not in the MX system. example: MX Bank type: string status: description: The name of the current status. See [Microdeposit Statuses](/api-reference/platform-api/v20260929/reference/microdeposits#microdeposit-statuses). example: INITIATED type: string updated_at: description: | The date and time the resource was last updated in ISO 8601 format with a timestamp. For categories, this field will always be `null` when `is_default` is `true`. example: '2025-02-13T18:09:00+00:00' type: string verified_at: description: The date and time at which the microdeposit status changed from `DEPOSITED` to `VERIFIED`. example: null nullable: true type: string type: object MicrodepositsResponseBody: properties: micro_deposits: items: $ref: '#/components/schemas/MicrodepositResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object MicrodepositElements: properties: account_name: description: The human-readable name for the account. example: My test account type: string account_number: description: The account number associated with the account. This will typically be a masked or partial account number. example: '3331261' type: string account_type: description: The type of account. Some account types may include subtypes. example: CHECKING nullable: true type: string enum: - ANY - CASH - CHECKING - CHECKING_LINE_OF_CREDIT - CREDIT_CARD - LOAN - LINE_OF_CREDIT - SAVINGS - INVESTMENT - MORTGAGE - INSURANCE - PREPAID - PROPERTY email: description: The email address associated with the account. example: example@example.com type: string first_name: description: The account owner's first name. This may also include a middle name. This field returns `null` if the first name can't be derived from the entity (such as a business or trust) or if name splitting isn't enabled. To enable name splitting, contact MX. example: Josh type: string last_name: description: The account owner's last name. This field returns `null` if the last name can't be derived from the entity (such as a business or trust) or if name splitting isn't enabled. To enable name splitting, contact MX. example: Grobanne type: string routing_number: description: The routing number for the `account`. example: '091000019' type: string required: - account_number - account_type - routing_number MicrodepositRequestBody: properties: micro_deposit: $ref: '#/components/schemas/MicrodepositElements' required: - micro_deposit type: object MicrodepositResponseBody: properties: micro_deposit: items: allOf: - $ref: '#/components/schemas/MicrodepositElements' - $ref: '#/components/schemas/MicrodepositResponse' type: object MicrodepositVerifyRequest: properties: deposit_amount_1: description: The amount of the first microdeposit sent for account verification. example: 0.12 type: number deposit_amount_2: description: The amount of the second microdeposit sent for account verification. example: 0.15 type: number type: object MicrodepositVerifyRequestBody: properties: micro_deposit: $ref: '#/components/schemas/MicrodepositVerifyRequest' required: - micro_deposit type: object RewardBaseResponse: properties: balance: description: The current balance of the reward. example: 1000 type: number description: description: The description for the reward as given by the data provider. example: test rewards description here type: string guid: description: The unique identifier for the reward. Defined by MX. example: RWD-11341024-90b3-1bce-cac9-c06ced52ab4c type: string unit_type: description: The units in which the balance is given, for example, `MILES` or `POINTS`. example: POINTS type: string self: description: The API URI path for the reward. example: /users/USR-11141024-90b3-1bce-cac9-c06ced52ab4c/members/MBR-7c6f361b-e582-15b6-60c0-358f12466b4b/rewards/RWD-11341024-90b3-1bce-cac9-c06ced52ab4c type: string RewardResponse: allOf: - $ref: '#/components/schemas/RewardBaseResponse' - type: object properties: account: $ref: '#/components/schemas/AccountBaseResponse' member: $ref: '#/components/schemas/MemberBaseResponse' user: $ref: '#/components/schemas/UserBaseResponse' mx_record: $ref: '#/components/schemas/MxRecordBaseResponse' RewardsResponseBody: properties: rewards: items: type: object properties: reward: $ref: '#/components/schemas/RewardResponse' type: array pagination: $ref: '#/components/schemas/PaginationResponse' type: object RewardResponseBody: properties: reward: $ref: '#/components/schemas/RewardResponse' type: object CreditCardProduct: properties: annual_fee: description: The annual fee associated with the `credit_card_product`. example: 45 type: number duration_of_introductory_rate_on_balance_transfer: description: The duration of an introductory rate on balance transfers, given in months. example: null nullable: true type: integer duration_of_introductory_rate_on_purchases: example: null nullable: true type: integer guid: description: Unique identifier for the account. Defined by MX. example: CCA-b5bcd822-6d01-4e23-b8d6-846a225e714a type: string has_cashback_rewards: description: Indicates if the credit card product has cashback rewards. example: false type: boolean has_other_rewards: description: This indicates whether the credit card offers a rewards system that is different than standard cashback or travel rewards. example: true type: boolean has_travel_rewards: description: This indicates whether the credit card offers travel rewards. example: true type: boolean has_zero_introductory_annual_fee: description: This indicates whether the credit card offers a limited time period where a membership fee is waived. example: true type: boolean has_zero_percent_introductory_rate: description: This indicates whether the credit card offers a zero percent introductory rate. example: false type: boolean has_zero_percent_introductory_rate_on_balance_transfer: description: This indicates that the credit card offers a zero percent rate when transferring a balance from a different credit card. example: true type: boolean is_accepting_applicants: description: This indicates whether the financial institution is still accepting applicants for the credit card. example: true type: boolean is_active_credit_card_product: description: This indicates whether the credit card is still supported by the financial institution. example: true type: boolean is_small_business_card: description: This indicates whether the credit card is associated with a small business. example: true type: boolean name: description: The name associated with the `credit_card_product`. example: Credit Card type: string CreditCardProductResponse: properties: credit_card_product: $ref: '#/components/schemas/CreditCardProduct' type: object VCResponse: properties: verifiableCredential: description: The MX-issued verifiable credential. example: 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type: string type: object