Linked Bank Accounts

Linked bank accounts connect your platform users' external bank accounts to Straddle for settlements and payment funding. Each linked account undergoes automated verification and continuous monitoring. Use linked accounts to manage where clients receive deposits, fund payouts, and track settlement preferences.

Create a linked bank account

embed.linked_bank_accounts.create(**kwargs) -> LinkedBankAccountV1 { data, meta, response_type }

POST/v1/linked_bank_accounts

List linked bank accounts

embed.linked_bank_accounts.list(**kwargs) -> PageNumberSchema<{ id, account_id, bank_account, 8 more}>

GET/v1/linked_bank_accounts

Update a linked bank account

embed.linked_bank_accounts.update(linked_bank_account_id, **kwargs) -> LinkedBankAccountV1 { data, meta, response_type }

PUT/v1/linked_bank_accounts/{linked_bank_account_id}

Lookup a linked bank account

embed.linked_bank_accounts.get(linked_bank_account_id, **kwargs) -> LinkedBankAccountV1 { data, meta, response_type }

GET/v1/linked_bank_accounts/{linked_bank_account_id}

Unmask a linked bank account

embed.linked_bank_accounts.unmask(linked_bank_account_id, **kwargs) -> LinkedBankAccountUnmaskV1 { data, meta, response_type }

GET/v1/linked_bank_accounts/{linked_bank_account_id}/unmask

Cancel a linked bank account

embed.linked_bank_accounts.cancel(linked_bank_account_id, **kwargs) -> LinkedBankAccountV1 { data, meta, response_type }

PATCH/v1/linked_bank_accounts/{linked_bank_account_id}/cancel

ModelsExpand Collapse

class LinkedBankAccountPagedV1 { data, meta, response_type }

data: Array[{ id, account_id, bank_account, 8 more}]

id: String

Unique identifier for the linked bank account.

formatuuid

account_id: String

The unique identifier of the Straddle account related to this bank account.

formatuuid

bank_account: { account_holder, account_mask, institution_name, routing_number}

account_holder: String

account_mask: String

institution_name: String

routing_number: String

created_at: Time

Timestamp of when the bank account object was created.

formatdate-time

purposes: Array[:charges | :payouts | :billing]

The purposes for the linked bank account.

One of the following:

:charges

:payouts

:billing

status: :created | :onboarding | :active | 3 more

The current status of the linked bank account.

One of the following:

:created

:onboarding

:active

:rejected

:inactive

:canceled

status_detail: { code, message, reason, source}

code: String

A machine-readable code for the specific status, useful for programmatic handling.

message: String

A human-readable message describing the current status.

reason: :unverified | :in_review | :pending | 5 more

A machine-readable identifier for the specific status, useful for programmatic handling.

One of the following:

:unverified

:in_review

:pending

:stuck

:verified

:failed_verification

:disabled

:new

source: :watchtower

Identifies the origin of the status change (e.g., watchtower). This helps in tracking the cause of status updates.

updated_at: Time

Timestamp of the most recent update to the linked bank account.

formatdate-time

description: String

Optional description for the bank account.

metadata: Hash[Symbol, String]

Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the linked bank account in a structured format.

platform_id: String

The unique identifier of the Straddle Platform relatd to this bank account.

formatuuid

meta: PagedResponseMetadata { api_request_id, api_request_timestamp, max_page_size, 6 more }

Metadata about the API request, including an identifier, timestamp, and pagination details.

api_request_id: String

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: Time

Timestamp for this API request, useful for troubleshooting.

formatdate-time

max_page_size: Integer

Maximum allowed page size for this endpoint.

formatint32

page_number: Integer

Page number for paginated results.

formatint32

page_size: Integer

Number of items per page in this response.

formatint32

sort_by: String

The field that the results were sorted by.

sort_order: :asc | :desc

One of the following:

:asc

:desc

total_items: Integer

Total number of items returned in this response.

formatint32

total_pages: Integer

The number of pages available.

formatint32

response_type: :object | :array | :error | :none

Indicates the structure of the returned content.

"object" means the data field contains a single JSON object.
"array" means the data field contains an array of objects.
"error" means the data field contains an error object with details of the issue.
"none" means no data is returned.

One of the following:

:object

:array

:error

:none

class LinkedBankAccountUnmaskV1 { data, meta, response_type }

data: { id, account_id, bank_account, 5 more}

id: String

Unique identifier for the linked bank account.

formatuuid

account_id: String

Unique identifier for the Straddle account related to this bank account.

formatuuid

bank_account: { account_holder, account_number, institution_name, routing_number}

The bank account details associated with the linked bank account.

account_holder: String

account_number: String

institution_name: String

routing_number: String

created_at: Time

Timestamp of when the linked bank account was created.

formatdate-time

status: :created | :onboarding | :active | 3 more

The current status of the linked bank account.

One of the following:

:created

:onboarding

:active

:rejected

:inactive

:canceled

status_detail: { code, message, reason, source}

Additional details about the current status of the linked bank account.

code: String

A machine-readable code for the specific status, useful for programmatic handling.

message: String

A human-readable message describing the current status.

reason: :unverified | :in_review | :pending | 5 more

A machine-readable identifier for the specific status, useful for programmatic handling.

One of the following:

:unverified

:in_review

:pending

:stuck

:verified

:failed_verification

:disabled

:new

source: :watchtower

Identifies the origin of the status change (e.g., watchtower). This helps in tracking the cause of status updates.

updated_at: Time

Timestamp of when the linked bank account was last updated.

formatdate-time

metadata: Hash[Symbol, String]

meta: ResponseMetadata { api_request_id, api_request_timestamp }

Metadata about the API request, including an identifier and timestamp.

api_request_id: String

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: Time

Timestamp for this API request, useful for troubleshooting.

formatdate-time

response_type: :object | :array | :error | :none

Indicates the structure of the returned content.

"object" means the data field contains a single JSON object.
"array" means the data field contains an array of objects.
"error" means the data field contains an error object with details of the issue.
"none" means no data is returned.

One of the following:

:object

:array

:error

:none

class LinkedBankAccountV1 { data, meta, response_type }

data: { id, account_id, bank_account, 8 more}

id: String

Unique identifier for the linked bank account.

formatuuid

account_id: String

The unique identifier of the Straddle account related to this bank account.

formatuuid

bank_account: { account_holder, account_mask, institution_name, routing_number}

account_holder: String

account_mask: String

institution_name: String

routing_number: String

created_at: Time

Timestamp of when the bank account object was created.

formatdate-time

purposes: Array[:charges | :payouts | :billing]

The purposes for the linked bank account.

One of the following:

:charges

:payouts

:billing

status: :created | :onboarding | :active | 3 more

The current status of the linked bank account.

One of the following:

:created

:onboarding

:active

:rejected

:inactive

:canceled

status_detail: { code, message, reason, source}

code: String

A machine-readable code for the specific status, useful for programmatic handling.

message: String

A human-readable message describing the current status.

reason: :unverified | :in_review | :pending | 5 more

A machine-readable identifier for the specific status, useful for programmatic handling.

One of the following:

:unverified

:in_review

:pending

:stuck

:verified

:failed_verification

:disabled

:new

source: :watchtower

Identifies the origin of the status change (e.g., watchtower). This helps in tracking the cause of status updates.

updated_at: Time

Timestamp of the most recent update to the linked bank account.

formatdate-time

description: String

Optional description for the bank account.

metadata: Hash[Symbol, String]

Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the linked bank account in a structured format.

platform_id: String

The unique identifier of the Straddle Platform relatd to this bank account.

formatuuid

meta: ResponseMetadata { api_request_id, api_request_timestamp }

Metadata about the API request, including an identifier and timestamp.

api_request_id: String

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: Time

Timestamp for this API request, useful for troubleshooting.

formatdate-time

response_type: :object | :array | :error | :none

Indicates the structure of the returned content.

"object" means the data field contains a single JSON object.
"array" means the data field contains an array of objects.
"error" means the data field contains an error object with details of the issue.
"none" means no data is returned.

One of the following:

:object

:array

:error

:none