MX Data Architecture - MX Documentation

The MX platform is built on seven core resources: accessors, clients, users, members, institutions, accounts, and transactions.

MX Data Architecture Diagram

Here’s how these resources relate to each other.

Data Architecture

MX Platform Core Resources

The following table describes each resource, its relationships, and who creates it.

Resource	Description	Relationship	Created By
Accessors	Top-level hierarchy representing MX clients. Each has an API key for authentication and manages IP whitelisting.	Can have multiple clients	MX only
Clients	Individual MX clients within an accessor. Each has a `client_id` for authentication and serves as the customization point for product branding. Example: A banking provider serving 100 institutions has one accessor with 100 clients—one per institution.	Belongs to one accessor; can have multiple users	MX only
Users	End users whose financial data is aggregated and analyzed.	Belongs to one client; can have multiple members	MX clients
Members	Connection between a user and an institution. Stores credentials, handles MFA, and performs aggregation. Can have multiple accounts. Duplicates not allowed. Example: A user with checking and savings at Wells Fargo has one member with two accounts.	Belongs to one user; can have multiple accounts	MX clients or end users
Institutions	Financial institutions like Chase or Wells Fargo. A real-world institution may have multiple objects if divisions use separate systems. A client may set a default institution that represents the client’s own organization. Example: Wells Fargo may have separate objects for mortgages, banking, and credit cards.	Referenced by members	MX only
Accounts	Individual financial accounts (checking, savings, mortgage, 401(k), and other account types).	Belongs to one member; can have multiple transactions	MX products, aggregation, or MDX On Demand
Transactions	Money movement into or out of an account (purchases, deposits, transfers, withdrawals, and so on).	Belongs to one account	MX products, aggregation, or MDX On Demand