Funds Accounts

Funds accounts represent financial accounts retrieved from account servicing providers (banks, neobanks, payment institutions) via account information services. The FXM module models accounts with their balances, associated parties, statuses, and access consents, following Open Banking patterns for account data representation.

Account structure

Funds accounts

Each account record captures details as provided by the account servicing provider.

Field	Purpose
Account servicing provider	The bank or provider that serves the account
Provider account references	Identifiers supplied by the account information provider or bank
Account status	Whether the account is enabled, pending, disabled, or deleted
Currency	The account currency
Usage type	Business or personal use
Account type	Provider-supplied account type
Account dates	Opening date, maturity date, and last known update date
Account names	Provider-supplied name, custom account name, and holder name
Account code	Institution-assigned account code and code scheme

Access consents

Before account data can be retrieved, the account holder must grant consent to the AISP. The platform records these consents following the Open Banking consent model.

Field	Purpose
Consent service provider	The account information provider receiving access
Account servicing provider	The bank or provider granting access
Consent status	For example, authorised, awaiting authorisation, or revoked
Consent permissions	The account data elements the provider may retrieve
Access period	The transaction date range covered by the consent

Consents are linked to both the AISP and the ASPSP as parties. The consent_permissions field stores an array of granular permission codes that control which account data elements the AISP may retrieve.

Balances

Balance snapshots are recorded over time. Each account can have multiple balance records across different types, currencies, and dates.

Field	Purpose
Account	The funds account the balance belongs to
Balance value	Balance excluding credit line
Available balance	Balance including available credit
Balance date	Date and time of the balance snapshot
Balance type	Closing, opening, interim, expected, or other standard balance type
Currency	Balance currency
Credit line	Credit line type and value, where available

Balance types

Balance types follow standard banking conventions:

• CLOSING_AVAILABLE / CLOSING_BOOKED / CLOSING_CLEARED -- end-of-day balances
• OPENING_AVAILABLE / OPENING_BOOKED / OPENING_CLEARED -- start-of-day balances
• INTERIM_AVAILABLE / INTERIM_BOOKED / INTERIM_CLEARED -- intraday balances
• EXPECTED -- projected balance
• FORWARD_AVAILABLE -- future-dated available balance
• INFORMATION -- informational balance
• PREVIOUSLY_CLOSED_BOOKED -- prior period closing balance

Privacy-enhanced balance view

The public balance view applies privacy protections:

• account identifiers are replaced with privacy-safe values
• monetary values are rounded for safer exposure
• timestamps are reduced to date-only granularity

Parties

Parties (individuals or organisations) are linked to funds accounts with a role designation.

Field	Purpose
Account	The funds account
Party type	Sole account holder, joint account holder, or delegated party
Party	The individual or organisation linked to the account
Party site	The relevant address or site, where available
Contact point	The relevant contact detail, where available

Statuses

Account statuses track the date range of transactions that have been retrieved for an account.

Field	Purpose
Account	The funds account
Earliest transaction date	Earliest retrieved transaction date
Latest transaction date	Most recent retrieved transaction date

This metadata helps the platform determine what transaction history is available and when to request incremental updates from the AISP.

Access model

Funds accounts, balances, parties, statuses, and transactions are visible only to users who have access to the account. Child information follows the visibility of the parent account.