> ## 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.

# MX Data Architecture

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

## Diagram

Here's how these resources relate to each other.

<img src="https://mintcdn.com/mx-7a01b258/OOfo2VTBgMqAqqgz/images/connectivity/data-architecture-diagram.svg?fit=max&auto=format&n=OOfo2VTBgMqAqqgz&q=85&s=666256f9320d2eceaa35dc2118487c7c" alt="Data Architecture" width="768" height="554" data-path="images/connectivity/data-architecture-diagram.svg" />

## 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](/api-reference/platform-api/reference/users)               | End users whose financial data is aggregated and analyzed.                                                                                                                                                                                                                                                                | Belongs to one client; can have multiple members      | MX clients                                 |
| [Members](/api-reference/platform-api/reference/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](/api-reference/platform-api/reference/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 representing the partner organization itself. **Example:** Wells Fargo may have separate objects for mortgages, banking, and credit cards. | Referenced by members                                 | MX only                                    |
| [Accounts](/api-reference/platform-api/reference/accounts)         | Individual financial accounts (checking, savings, mortgage, 401(k), and [more](../../../api-reference/platform-api/reference/accounts#account-types)).                                                                                                                                                                    | Belongs to one member; can have multiple transactions | MX products, aggregation, or MDX On Demand |
| [Transactions](/api-reference/platform-api/reference/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 |
