Accounts

Read bank account details and balances

An Account represents a single bank account discovered on a Connection. Accounts are read-only and are created automatically as Waycore activates and syncs a connection.

Account types today

The public API uses the canonical account type enum:

checking · savings · moneyMarket · creditCard · loan · investment · wallet · other · unknown

Current balance fields

Field	Description
currentBalance	Current ledger balance as reported by the bank.
availableBalance	Funds available to spend (may differ for pending items).
balanceAsOf	Timestamp of the balance snapshot.
updatedAt	Best-effort timestamp for the current public account representation.

Balance values are signed decimal strings (e.g. "1234.56"). They may be null if the institution does not expose them.

Daily balance history

Use GET /v1/balances when you need date-indexed balance rows for reconciliation, reporting, or cash position views. The endpoint returns projected balances visible to your API key, ordered by date desc, accountId asc.

Each balance row belongs to an account, connection, and entity, and includes:

Field	Description
date	Balance date.
ledgerBalance	End-of-day posted/current ledger balance for that date.
postedTransactionDelta	Sum of posted transaction amounts on that date. Pending transactions are excluded.
source	bankProvided when the balance came from bank data; derived when Waycore computed it from an observed balance anchor and posted transactions.
updatedAt	When the projected public balance row last changed.

Balance rows are mutable projections. After a connection sync or transaction backfill, call GET /v1/balances again for the date ranges you care about instead of treating previously fetched rows as immutable ledger snapshots.

Filter balances by entityId, connectionId, accountId, dateGte, and dateLt. Use cursor and limit to page through larger ranges; cursors are valid only with the same query filters.

Payment identifiers

Accounts expose canonical routing details through paymentIdentifiers. Each identifier is typed by scheme, and all bank account values are strings so leading zeros are preserved.

Current schemes include:

Scheme	Details
us_ach	US routing number and account number.
uk_sort_code_account_number	UK sort code and account number.
iban	IBAN and optional BIC.

Example:

{
  "paymentIdentifiers": [
    {
      "scheme": "us_ach",
      "countryCode": "US",
      "currency": "USD",
      "details": {
        "routingNumber": "011000015",
        "accountNumber": "000123456789"
      }
    }
  ]
}

The legacy flat fields accountNumber, routingNumber, and swiftBic are deprecated and always return null. Use paymentIdentifiers for account payment details.

Filtering

GET /v1/accounts supports filtering by connectionId, type, currency, and status. The type filter uses the same canonical account type enum shown above. Use fields= to request a sparse fieldset and reduce payload size.

Endpoints

List accounts

Get account

List balances

Required scopes

Scope	Used by
accounts:read	List accounts, get account, list balances