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OpenAPI Specification

openapi: 3.2.0
info:
  title: Enterprise Realtime Scheduled Transfers API
  description: The Enterprise Realtime API service acts as the public API layer for advisor infrastructure, enabling partner-developers to programmatically perform advisor actions.
  version: v1
servers:
- url: https://integrations.altruist.com
  description: API Server
tags:
- name: Scheduled Transfers
  description: Recurring ACH transfer scheduling for brokerage accounts
paths:
  /api/v1/orgs/{orgId}/households/{householdId}/accounts/{accountId}/scheduledTransfers:
    get:
      tags:
      - Scheduled Transfers
      summary: List scheduled transfers
      description: Returns all scheduled transfers for a brokerage account
      operationId: listScheduledTransfers
      parameters:
      - name: orgId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: householdId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: accountId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: page
        in: query
        required: false
        schema:
          type: integer
          format: int32
          default: 1
      - name: size
        in: query
        required: false
        schema:
          type: integer
          format: int32
          default: 50
      responses:
        '200':
          description: OK
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/PageResponseScheduledTransferV1'
        '400':
          description: Bad Request
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '401':
          description: Unauthorized
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '403':
          description: Forbidden
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '404':
          description: Not Found
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '409':
          description: Conflict
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '422':
          description: Unprocessable Entity
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '500':
          description: Internal Server Error
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '501':
          description: Not Implemented
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '502':
          description: Bad Gateway
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
    post:
      tags:
      - Scheduled Transfers
      summary: Create scheduled transfer
      description: Creates a recurring ACH deposit or withdrawal for a brokerage account
      operationId: createScheduledTransfer
      parameters:
      - name: orgId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: householdId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: accountId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateScheduledTransferRequestV1'
        required: true
      responses:
        '200':
          description: OK
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ScheduledTransferIdV1'
        '400':
          description: Bad Request
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '401':
          description: Unauthorized
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '403':
          description: Forbidden
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '404':
          description: Not Found
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '409':
          description: Conflict
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '422':
          description: Unprocessable Entity
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '500':
          description: Internal Server Error
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '501':
          description: Not Implemented
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '502':
          description: Bad Gateway
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
  /api/v1/orgs/{orgId}/households/{householdId}/accounts/{accountId}/scheduledTransfers/{scheduledTransferId}:
    patch:
      tags:
      - Scheduled Transfers
      summary: Cancel scheduled transfer
      description: Cancels an active scheduled transfer
      operationId: cancelScheduledTransfer
      parameters:
      - name: orgId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: householdId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: accountId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: scheduledTransferId
        in: path
        required: true
        schema:
          type: string
          format: uuid
      responses:
        '200':
          description: OK
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ScheduledTransferV1'
        '400':
          description: Bad Request
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '401':
          description: Unauthorized
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '403':
          description: Forbidden
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '404':
          description: Not Found
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '409':
          description: Conflict
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '422':
          description: Unprocessable Entity
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '500':
          description: Internal Server Error
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '501':
          description: Not Implemented
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
        '502':
          description: Bad Gateway
          content:
            '*/*':
              schema:
                $ref: '#/components/schemas/ErrorV1'
components:
  schemas:
    ScheduledTransferV1:
      type: object
      description: A scheduled transfer associated with a brokerage account
      properties:
        id:
          type: string
          format: uuid
          description: The unique UUID identifier for the scheduled transfer
        accountId:
          type: string
          format: uuid
        fundingAccountId:
          type: string
          format: uuid
          description: The financial account UUID for the account that funds will be deposited into or withdrawn from, depending on the direction field value
        status:
          type: string
          description: 'The status of the scheduled transfer. Active: the transfer is scheduled and will occur on the next transfer date. Inactive: the transfer is paused and will not occur until reactivated. Canceled: the transfer has been canceled and will not occur. Complete: the transfer has finished all scheduled occurrences.'
          enum:
          - Active
          - Inactive
          - Canceled
          - Complete
        direction:
          type: string
          description: Indicates whether the scheduled transfer is a deposit or withdrawal
          enum:
          - Deposit
          - Withdrawal
        amount:
          type: number
          description: The amount for the transfer in USD
        startDate:
          type: string
          format: date
          description: The first date on which the scheduled transfer should occur
        endDate:
          type: string
          format: date
          description: The last potential date a scheduled transfer will occur, depending on the interval. This should not be set for one-time scheduled transfers.
        nextTransferDate:
          type: string
          format: date
          description: The next date on which the scheduled transfer will occur
        isAutomatedRmd:
          type: boolean
          description: Indicates that this schedule has opted the account into an automatic required minimum distribution payment. The amount will be calculated per internal rules and this schedule cannot be modified.
        frequency:
          type: string
          description: 'The interval for the scheduled transfer to occur between the start and end dates. Once: a one-time transfer. Daily: every day. Weekly: every week. EveryTwoWeeks: every two weeks. Monthly: every month. EveryTwoMonths: every two months. Quarterly: every three months. SemiAnnually: every six months. Annually: every twelve months.'
          enum:
          - Once
          - Weekly
          - EveryTwoWeeks
          - Monthly
          - EveryTwoMonths
          - Quarterly
          - SemiAnnually
          - Annually
        initiatedById:
          type: string
          description: The userId who created the scheduled transfer
        iraContribution:
          $ref: '#/components/schemas/IraContributionV1'
          description: IRA contribution details. Present only for deposit transfers.
        iraDistribution:
          $ref: '#/components/schemas/IraDistributionV1'
          description: IRA distribution details. Present only for withdrawal transfers.
    ErrorV1:
      type: object
      properties:
        code:
          type: integer
          format: int32
          description: '### Error Codes


            | Code   | Description                         |

            |--------|-------------------------------------|

            | **0xx** | **Unknown or Unexpected**          |

            | 0    | Unknown error                         |

            | 40   | Unknown authentication error          |

            | **1xx** | **General**                        |

            | 101  | Invalid input                         |

            | 104  | Not found                             |

            | 140  | Access Denied                         |

            | 141  | Unauthorized                          |

            | 150  | Not implemented                       |

            | **10xx** | **Household**                     |

            | 1000 | Household not found                   |

            | 1001 | Duplicate contact                     |

            | 1002 | Household contact not found           |

            | 1003 | Household contact already exists      |

            | **11xx** | **Account**                       |

            | 1100 | Account not found                     |

            | 1110 | Invalid account group                 |

            | **12xx** | **User**                          |

            | 1200 | User not found                        |

            | 1201 | User profile not found                |

            | **13xx** | **Transfer**                      |

            | 1300 | Transfer not found                    |

            | 1301 | Transfer not supported                |

            | 1302 | Duplicate transfer                    |

            | 1303 | Funding account not found             |

            | 1304 | Duplicate funding account             |

            | **14xx** | **Client Agreement**              |

            | 1400 | Client Agreement not found            |

            | 1401 | Invalid Client Agreement file         |

            | 1402 | Client Agreement could not be updated |

            | **15xx** | **Trusted Contact**               |

            | 1500 | Trusted Contact not found             |

            | **17xx** | **Cash Set Aside**                |

            | 1700 | Cash set aside not found              |

            | 1701 | Cash set aside invalid amount         |

            | 1702 | Cash set aside invalid date           |

            | 1703 | Cash set aside upstream error         |

            | 1704 | Cash set aside cannot be cancelled    |

            | 1705 | Cash set aside invalid account        |

            | **18xx** | **Cash Settings**                 |

            | 1800 | Cash settings not found               |

            '
        message:
          type: string
        requestId:
          type: string
    PageResponseScheduledTransferV1:
      type: object
      properties:
        page:
          type: integer
          format: int32
        size:
          type: integer
          format: int32
        total:
          type: integer
          format: int64
        items:
          type: array
          items:
            $ref: '#/components/schemas/ScheduledTransferV1'
    ScheduledTransferIdV1:
      type: object
      properties:
        id:
          type: string
          format: uuid
          description: Unique identifier of the scheduled transfer
        status:
          type: string
          enum:
          - Active
          - Inactive
          - Canceled
          - Complete
      required:
      - id
    TaxWithholdingV1:
      type: object
      properties:
        type:
          type: string
          enum:
          - Percentage
          - Fixed
        value:
          type: number
    IraContributionV1:
      type: object
      properties:
        reason:
          type: string
          enum:
          - Regular
          - Employee
          - Employer
          - Rollover60Day
          - Unknown
        applyToPriorYear:
          type: boolean
      required:
      - applyToPriorYear
      - reason
    IraDistributionV1:
      type: object
      properties:
        reason:
          type: string
          enum:
          - Normal
          - Disability
          - Premature
          - Death
          - ExcessContributionRemovalBeforeTaxDeadline
          - ExcessContributionRemovalAfterTaxDeadline
          - ExcessContributionRemovalBeforePriorYear
          - Unknown
        federalWithholding:
          $ref: '#/components/schemas/TaxWithholdingV1'
        stateWithholding:
          $ref: '#/components/schemas/TaxWithholdingV1'
      required:
      - reason
    CreateScheduledTransferRequestV1:
      type: object
      description: Request to create a scheduled transfer for a brokerage account
      properties:
        fundingAccountId:
          type: string
          format: uuid
          description: The financial account UUID for the account that funds will be deposited into or withdrawn from, depending on the direction field value
        direction:
          type: string
          description: Indicates whether the scheduled transfer is a deposit or withdrawal
          enum:
          - Deposit
          - Withdrawal
        frequency:
          type: string
          description: 'The interval for the scheduled transfer to occur between the start and end dates. Once: a one-time transfer. Daily: every day. Weekly: every week. EveryTwoWeeks: every two weeks. Monthly: every month. EveryTwoMonths: every two months. Quarterly: every three months. SemiAnnually: every six months. Annually: every twelve months.'
          enum:
          - Once
          - Weekly
          - EveryTwoWeeks
          - Monthly
          - EveryTwoMonths
          - Quarterly
          - SemiAnnually
          - Annually
        amount:
          type: number
          description: The amount for the transfer in USD
        startDate:
          type: string
          format: date
          description: The first date on which the scheduled transfer should occur
        endDate:
          type: string
          format: date
          description: The last potential date a scheduled transfer will occur, depending on the interval. This should not be set for one-time scheduled transfers.
        isAutomatedRmd:
          type: boolean
          description: Indicates that this schedule has opted the account into an automatic required minimum distribution payment. The amount will be calculated per internal rules and this schedule cannot be modified.
        iraContribution:
          $ref: '#/components/schemas/IraContributionV1'
          description: IRA contribution details. Present only for deposit transfers.
        iraDistribution:
          $ref: '#/components/schemas/IraDistributionV1'
          description: IRA distribution details. Present only for withdrawal transfers.
      required:
      - direction
      - frequency
      - fundingAccountId
      - startDate
x-provenance:
  method: searched
  source: https://developer.altruist.com/reference
  harvested: '2026-10-13'
  tool: harvest-readme-openapi.py
  note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored.
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  - https://developer.altruist.com/reference/batchdeletebeneficiaries.md
  - https://developer.altruist.com/reference/cancelacattransfer.md
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  - https://developer.altruist.com/reference/cancelcashtransfer-1.md
  - https://developer.altruist.com/reference/cancelscheduledtransfer-1.md
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  - https://developer.altruist.com/reference/createaccountgroup.md
  - https://developer.altruist.com/reference/createbanklink.md
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  - https://developer.altruist.com/reference/createbundle.md
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  - https://developer.altruist.com/reference/createscheduledtransfer-1.md
  - https://developer.altruist.com/reference/createtransfer-1.md
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