Data
Aggregation
Zūm Rails can retrieve and utilize a user's financial data for account verification (KYC) and risk assessment purposes when aggregation is enabled in your account.
The sample response below shows the data that can be expected when querying account owners, account information and account transaction history:
{
"statusCode": 200,
"message": "GET Request successful.",
"isError": false,
"result": {
"RequestId": "6082136a-...-e4b5129dc9d4",
"CustomerId": "b0db65fd-...-55a57b9a7c69",
"Card": {
"Id": "0f980576-..-02d090f70edf",
"UpdatedAt": "0001-01-01T00:00:00Z",
"CreatedAt": "0001-01-01T00:00:00Z",
"Accounts": [
{
"Id": "dc8b5922-...-ac7e9f7eeed3",
"UpdatedAt": "0001-01-01T00:00:00Z",
"InstitutionNumber": "001",
"TransitNumber": "12345",
"AccountNumber": "1234567",
"Title": "Bank Chequing Account",
"Balance": 10.83,
"Currency": "CAD",
"AccountCategory": "Operation",
"AccountSubCategory": "Chequing",
"Transactions": [
{
"Id": "1a97486e-...-b5df75a75501",
"UpdatedAt": "0001-01-01T00:00:00Z",
"Date": "2022-06-05T00:00:00Z",
"Description": "UBER EATS",
"Debit": 30.0,
"Balance": 1000.83,
"Category": {
"Id": "baeda044-...-ae6ed78cf524",
"Name": "Food Delivery & Restaurants",
"InsightsType": "Expense"
}
}
]
},
{
"Id": "bae5010d-...-5eb2f2517652",
"UpdatedAt": "0001-01-01T00:00:00Z",
"InstitutionNumber": "001",
"TransitNumber": "12345",
"AccountNumber": "1234567",
"Title": "Bank Savings Account",
"Balance": 103.17,
"Currency": "CAD",
"AccountCategory": "Operation",
"AccountSubCategory": "Savings",
"Transactions": [
{
"Id": "7bb694d3-...-df90dbc9d8ad",
"UpdatedAt": "0001-01-01T00:00:00Z",
"Date": "2022-06-03T00:00:00Z",
"Description": "Bank Mortgage",
"Debit": 530.12,
"Balance": 103.17,
"Category": {
"Id": "baeda044-...-ae6ed78cf524",
"Name": "Mortgage payments",
"InsightsType": "Expense"
}
}
]
},
{
"Id": "4ff87b60-...-28b40cb1d935",
"UpdatedAt": "0001-01-01T00:00:00Z",
"InstitutionNumber": "001",
"TransitNumber": "00152",
"AccountNumber": "4242 xxxx xxxx 4242",
"Title": "Bank World Visa",
"Balance": 3953.75,
"Currency": "CAD",
"AccountCategory": "Credit",
"AccountSubCategory": "CreditCard",
"Transactions": [
{
"Id": "e7523aa5-....-790bfa70ee9b",
"UpdatedAt": "0001-01-01T00:00:00Z",
"Date": "2022-06-04T00:00:00Z",
"Description": "TARGET STORE",
"Debit": 29.35,
"Balance": 548.78,
"Category": {
"Id": "baeda044-...-ae6ed78cf524",
"Name": "Other Shopping",
"InsightsType": "Expense"
}
}
]
}
],
"InstitutionId": "08cde436-e9a0-41c3-915a-7e7ebad26be8",
"InstitutionName": "Tangerine",
"HolderId": "634ba946-...-2815891e3439",
"Holder": {
"FirstName": "John Paul",
"LastName": "Smith",
"FullName": "John Paul Smith",
"Email": "[email protected]",
"PhoneNumber": "514-123-1234",
"DateOfBirth": "1980-01-01",
"AddressCivic": "101 Street",
"AddressCity": "Toronto",
"AddressProvince": "ON",
"AddressCountry": "CA",
"AddressPostalCode": "A0A 0A0"
},
"SelectedAccountId": "dc8b5922-...-ac7e9f7eeed3"
}
}
}
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