> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mx.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Connectivity Overview
> Connect users to their financial accounts and retrieve the enhanced data you need
MX Connectivity products serve as a bridge between your application and financial institutions. They allow you to:
* Connect end users to thousands of financial institutions
* Retrieve financial data such as account details, transactions, and more
* Enhance and standardize data
* Power financial use cases including account opening, payments, and more
To understand the core resources of our platform, see [MX Data Architecture](/products/connectivity/overview/data-architecture).
Complete steps for integrating MX Connectivity products
Follow our integration guides to connect user accounts
## Connectivity Products
MX offers several connectivity products to address different use cases.
**NOTE**
Most connectivity products focus on retrieving specific types of data from connected accounts (such as transactions, balances, or account numbers). [Microdeposits](/products/connectivity/microdeposits) is different—it provides an alternate method for verifying account ownership by making small test deposits to an account.
| Product | Description |
| :---------------------------------------------------------------------------------- | :------------------------------------------------------------------------------ |
| [Account Aggregation](/products/connectivity/account-aggregation) | Get account details and transactions by connecting to users' financial accounts |
| [Account Owner Identification](/products/connectivity/account-owner-identification) | Verify account ownership information such as name and address |
| [Balance Checks](/products/connectivity/balance-checks) | Check available balances for connected accounts |
| [Extended Transaction History](/products/connectivity/extended-transaction-history) | Get up to 24 months of transaction history |
| [Instant Account Verification](/products/connectivity/instant-account-verification) | Retrieve account and routing numbers for demand deposit accounts |
| [Microdeposits](/products/connectivity/microdeposits) | Verify account ownership through small test deposits |
| [Statements](/products/connectivity/statements) | Retrieve bank and credit card statements |
## Aggregating & Enhancing Data
Our platform uses distributed services to aggregate, enhance, and deliver financial data to end users and institutions.
The platform includes RESTful web APIs, embeddable digital money management tools, customer analytics and marketing software, and more.
The following flow shows how MX aggregates and enriches data:
1. End users provide their login credentials for a financial account, such as their bank or retirement account (you can also [send your own customers' data to MX](/products/connectivity/overview/held-data/) using one or more of our APIs).
2. Those credentials are supplied to the MX system.
3. MX brings data from those accounts into its system, through a direct data-sharing connection or a third-party data provider.
4. MX enhances account and transaction data:
* Account types and subtypes like `CHECKING` or `SAVINGS` are assigned
* Every transaction is categorized into one of more than 100 default categories
* When possible, additional classifiers like `is_bill_pay` or `is_direct_deposit` are assigned
* Transaction descriptions are made readable. For example, `DBT CRD 1357 07/22/19 XXXX1357 JCWS RESTAU LEHI UT C#5144` becomes `JCW's Burgers`
* Dates, locations, and merchant logos are added wherever possible
* If two months of transaction data exists, user budgets are automatically calculated
5. MX delivers this enhanced financial data through our APIs, UIs, or daily change files. Additionally, we identify when end users have financial accounts with competitors and provide analytics on product usage and money management.
## Retrievable Data
The following examples show what data you can expect with our Connectivity products.
See [Account Aggregation](/products/connectivity/account-aggregation) for more info. To learn more about individual fields, see [Account Fields](/api-reference/platform-api/reference/accounts#account-fields) or [Transaction Fields](/api-reference/platform-api/reference/transactions#transaction-fields).
```json theme={null}
{
"accounts": [
{
"account_number": "5366",
"apr": 1.0,
"apy": 1.0,
"available_balance": 1000.0,
"available_credit": 1000.0,
"balance": 1000.0,
"cash_balance": 1000.0,
"cash_surrender_value": 1000.0,
"created_at": "2016-10-13T17:57:37.000Z",
"credit_limit": 100.0,
"currency_code": "USD",
"day_payment_is_due": 20,
"death_benefit": 1000,
"guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
"holdings_value": 1000.0,
"id": "1040434698",
"imported_at": "2015-10-13T17:57:37.000Z",
"institution_code": "chase",
"insured_name": "Frodo Baggins",
"interest_rate": 1.0,
"is_closed": false,
"is_hidden": false,
"last_payment": 100.0,
"last_payment_at": "2015-10-13T17:57:37.000Z",
"loan_amount": 1000.0,
"matures_on": "2015-10-13T17:57:37.000Z",
"member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
"member_id": "member-9876",
"member_is_managed_by_user": false,
"metadata": "some metadata",
"minimum_balance": 100.0,
"minimum_payment": 10.0,
"name": "Test account 2",
"nickname": "My Checking",
"original_balance": 10.0,
"pay_out_amount": 10.0,
"payment_due_at": "2015-10-13T17:57:37.000Z",
"payoff_balance": 10.0,
"premium_amount": 1.0,
"routing_number": "68899990000000",
"started_on": "2015-10-13T17:57:37.000Z",
"subtype": "NONE",
"total_account_value": 1.0,
"type": "SAVINGS",
"updated_at": "2016-10-13T18:08:00.000Z",
"user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c",
"user_id": "partner-2345"
}
],
"pagination": {
"current_page": 1,
"per_page": 25,
"total_entries": 1,
"total_pages": 1
}
}
```
```json theme={null}
{
"transactions": [
{
"account_guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
"account_id": "account123",
"amount": 61.11,
"category": "Groceries",
"category_guid": "CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8",
"check_number_string": "6812",
"created_at": "2016-10-06T09:43:42.000Z",
"currency_code": "USD",
"date": "2013-09-23T00:00:00.000Z",
"description": "Whole foods",
"extended_transaction_type": "partner_transaction_type",
"guid": "TRN-265abee9-889b-af6a-c69b-25157db2bdd9",
"id": "transaction-265abee9-889b-af6a-c69b-25157db2bdd9",
"is_bill_pay": false,
"is_direct_deposit": false,
"is_expense": true,
"is_fee": false,
"is_income": false,
"is_international": false,
"is_overdraft_fee": false,
"is_payroll_advance": false,
"is_recurring": false,
"is_subscription": false,
"latitude": -43.2075,
"localized_description": "This is a localized_description",
"localized_memo": "This is a localized_memo",
"longitude": 139.691706,
"member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
"member_is_managed_by_user": false,
"memo": "This is a memo",
"merchant_category_code": 5411,
"merchant_guid": "MCH-7ed79542-884d-2b1b-dd74-501c5cc9d25b",
"merchant_location_guid": "MCL-00024e59-18b5-4d79-b879-2a7896726fea",
"metadata": "some metadata",
"original_description": "WHOLEFDS TSQ 102",
"posted_at": "2016-10-07T06:00:00.000Z",
"status": "POSTED",
"top_level_category": "Food & Dining",
"transacted_at": "2016-10-06T13:00:00.000Z",
"type": "DEBIT",
"updated_at": "2016-10-07T05:49:12.000Z",
"user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c",
"user_id": "partner-2345"
},
// •••
],
"pagination": {
"current_page": 1,
"per_page": 10,
"total_entries": 243,
"total_pages": 25
}
}
```
See [Instant Account Verification](/products/connectivity/instant-account-verification) for more info. For field descriptions, see [Account Number Fields](/api-reference/platform-api/reference/accounts#account-number-fields).
```json theme={null}
{
"account_numbers": [
{
"account_guid": "ACT-82a93692-f756-534f-9b2e-ad10a0f38462",
"account_number": "10001",
"institution_number": null,
"member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
"routing_number": "091000019",
"passed_validation": true,
"transit_number": null,
"user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c"
}
],
"pagination": {
"current_page": 1,
"per_page": 25,
"total_entries": 1,
"total_pages": 1
}
}
```
See [Account Owner Identification](/products/connectivity/account-owner-identification) for more info. For field descriptions, see [Account Owner Fields](/api-reference/platform-api/reference/accounts#account-owner-fields).
```json theme={null}
{
"account_owners": [
{
"account_guid": "ACT-82a93692-f756-534f-9b2e-ad10a0f38462",
"address": "123 This Way",
"city": "Middlesex",
"country": "US",
"email": "donnie@darko.co",
"first_name": "Donnie",
"guid": "ACO-63dc7714-6fc0-4aa2-a069-c06cdccd1af9",
"last_name": "Darko",
"member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
"owner_name": "Donnie Darko",
"phone": "555-555-5555",
"postal_code": "00000-0000",
"state": "VA",
"user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c"
}
],
"pagination": {
"current_page": 1,
"per_page": 25,
"total_entries": 1,
"total_pages": 1
}
}
```
[Extended Transaction History](/products/connectivity/extended-transaction-history) shows up to 24 months of transactions, instead of only up to 90 days. For field descriptions, see [Transaction Fields](/api-reference/platform-api/reference/transactions#transaction-fields).
```json theme={null}
{
"transactions": [
{
"account_guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
"account_id": "account123",
"amount": 61.11,
"category": "Groceries",
"category_guid": "CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8",
"check_number_string": "6812",
"created_at": "2016-10-06T09:43:42.000Z",
"currency_code": "USD",
"date": "2013-09-23T00:00:00.000Z",
"description": "Whole foods",
"extended_transaction_type": "partner_transaction_type",
"guid": "TRN-265abee9-889b-af6a-c69b-25157db2bdd9",
"id": "transaction-265abee9-889b-af6a-c69b-25157db2bdd9",
"is_bill_pay": false,
"is_direct_deposit": false,
"is_expense": true,
"is_fee": false,
"is_income": false,
"is_international": false,
"is_overdraft_fee": false,
"is_payroll_advance": false,
"is_recurring": false,
"is_subscription": false,
"latitude": -43.2075,
"localized_description": "This is a localized_description",
"localized_memo": "This is a localized_memo",
"longitude": 139.691706,
"member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
"member_is_managed_by_user": false,
"memo": "This is a memo",
"merchant_category_code": 5411,
"merchant_guid": "MCH-7ed79542-884d-2b1b-dd74-501c5cc9d25b",
"merchant_location_guid": "MCL-00024e59-18b5-4d79-b879-2a7896726fea",
"metadata": "some metadata",
"original_description": "WHOLEFDS TSQ 102",
"posted_at": "2016-10-07T06:00:00.000Z",
"status": "POSTED",
"top_level_category": "Food & Dining",
"transacted_at": "2016-10-06T13:00:00.000Z",
"type": "DEBIT",
"updated_at": "2016-10-07T05:49:12.000Z",
"user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c",
"user_id": "partner-2345"
},
// •••
],
"pagination": {
"current_page": 1,
"per_page": 10,
"total_entries": 243,
"total_pages": 25
}
}
```
See [Statements](/products/connectivity/statements) for more info. For field descriptions, see [Statement Fields](/api-reference/platform-api/reference/statements#statement-fields).
```json theme={null}
{
"statements": [
{
"account_guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
"content_hash": "ca53785b812d00ef821c3d94bfd6e5bbc0020504410589b7ea8552169f021981",
"created_at": "2016-10-13T18:08:00+00:00",
"guid": "STA-737a344b-caae-0f6e-1384-01f52e75dcb1",
"member_guid": "MBR-3bdc7d6b-efd4-1497-a0af-b23501cf9bd0",
"updated_at": "2016-10-13T18:09:00+00:00",
"uri": "uri/to/statement",
"user_guid": "USR-11141024-90b3-1bce-cac9-c06ced52ab4c"
}
],
"pagination": {
"current_page": 1,
"per_page": 25,
"total_entries": 1,
"total_pages": 1
}
}
```
## Next Steps
Complete steps for integrating MX Connectivity products
Follow our integration guides to connect user accounts