ModernFi

ModernFi Accounts API

The Accounts API from ModernFi — 5 operation(s) for accounts.

GitHub OpenAPI

Operations 8

GET /digital-banking/v1/accounts List Accounts #
POST /digital-banking/v1/accounts Create Account #
GET /digital-banking/v1/accounts/{account_id} Get Account #
DELETE /digital-banking/v1/accounts/{account_id} Close Account #
PATCH /digital-banking/v1/accounts/{account_id} Update Account #
GET /digital-banking/v1/accounts/{account_id}/allocation Get Account Allocation #
GET /digital-banking/v1/accounts/{account_id}/signer-primary-tin Get Account Signer Primary Tin #
GET /digital-banking/v1/accounts/{account_id}/beneficiary-tin Get Account Beneficiary Tin #

Documentation

📖
Documentation
https://docs.modernfi.com
📖
APIReference
https://docs.modernfi.com/api-reference
📖
GettingStarted
https://docs.modernfi.com/modernfi-developer-hub/getting-started

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/modernfi/refs/heads/main/openapi/modernfi-accounts-api-openapi.yml

Other Resources

🔗
APIsJSON
https://raw.githubusercontent.com/api-evangelist/modernfi/refs/heads/main/apis.yml

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OpenAPI Specification

modernfi-accounts-api-openapi.yml Raw ↑ 
openapi: 3.2.0
info:
  title: Reference Accounts API
  version: 1.0.0
servers:
- url: https://api.modernfi.com
  description: Production
- url: https://api.uat.modernfi.com
  description: UAT
- url: http://localhost:8000
  description: Local
- url: https://auth.modernfi.com
  description: Production
- url: https://auth.uat.modernfi.com
  description: UAT
tags:
- name: Accounts
paths:
  /digital-banking/v1/accounts:
    get:
      operationId: list
      summary: List Accounts
      tags:
      - Accounts
      parameters:
      - name: statuses
        in: query
        description: Filter accounts by status. May be specified multiple times (e.g. ?statuses=CLOSED&statuses=SCHEDULED_FOR_CLOSURE). If omitted, accounts of all statuses are returned.
        required: false
        schema:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/AccountStatus'
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/AccountResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
    post:
      operationId: create
      summary: Create Account
      tags:
      - Accounts
      parameters:
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      - name: idempotency-key
        in: header
        required: true
        schema:
          type: string
      responses:
        '201':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateAccountRequest'
  /digital-banking/v1/accounts/{account_id}:
    get:
      operationId: get
      summary: Get Account
      tags:
      - Accounts
      parameters:
      - name: account_id
        in: path
        required: true
        schema:
          $ref: '#/components/schemas/DigitalBankingV1AccountsAccountIdGetParametersAccountId'
      - name: id_type
        in: query
        description: Type of the account id. Must be 'institution' or 'None'.
        required: false
        schema:
          oneOf:
          - $ref: '#/components/schemas/IdType'
          - type: 'null'
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
    delete:
      operationId: close
      summary: Close Account
      description: This endpoint closes an account after verifying access. If the account balance is not zero, the operation will liquidate the account and drop the balance to zero.
      tags:
      - Accounts
      parameters:
      - name: account_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CloseAccountResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
    patch:
      operationId: update
      summary: Update Account
      description: 'Updates an account. Note: account_type is immutable and cannot be changed after creation.'
      tags:
      - Accounts
      parameters:
      - name: account_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdateAccountRequest'
  /digital-banking/v1/accounts/{account_id}/allocation:
    get:
      operationId: getAllocation
      summary: Get Account Allocation
      tags:
      - Accounts
      parameters:
      - name: account_id
        in: path
        required: true
        schema:
          $ref: '#/components/schemas/DigitalBankingV1AccountsAccountIdAllocationGetParametersAccountId'
      - name: id_type
        in: query
        description: Type of the account id. Must be 'institution' or 'None'.
        required: false
        schema:
          oneOf:
          - $ref: '#/components/schemas/IdType'
          - type: 'null'
      - name: run_date
        in: query
        description: The date for which to retrieve allocation data. If not provided, uses the most recent run date.
        required: false
        schema:
          type:
          - string
          - 'null'
          format: date
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AllocationResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
  /digital-banking/v1/accounts/{account_id}/signer-primary-tin:
    get:
      operationId: getSignerPrimaryTin
      summary: Get Account Signer Primary Tin
      tags:
      - Accounts
      parameters:
      - name: account_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountTINResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
  /digital-banking/v1/accounts/{account_id}/beneficiary-tin:
    get:
      operationId: getBeneficiaryTin
      summary: Get Account Beneficiary Tin
      tags:
      - Accounts
      parameters:
      - name: account_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
      - name: Authorization
        in: header
        description: Bearer authentication
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountTINResponse'
        '400':
          description: Bad Request - Invalid input or validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorDetail'
        '401':
          description: Unauthenticated - Invalid or missing authentication credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '403':
          description: Unauthorized - Insufficient permissions to access resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorDetail'
components:
  schemas:
    AccountStatus:
      type: string
      enum:
      - OPEN
      - SCHEDULED_FOR_CLOSURE
      - CLOSED
      title: AccountStatus
    CreateAccountRequest:
      type: object
      properties:
        signer_primary:
          type:
          - string
          - 'null'
        signer_primary_tin:
          type:
          - string
          - 'null'
        account_title:
          type: string
        account_type:
          $ref: '#/components/schemas/AccountType'
        depositor_ids:
          type: array
          items:
            type: string
            format: uuid
        depositor:
          oneOf:
          - $ref: '#/components/schemas/CreateDepositorRequest'
          - type: 'null'
          description: New depositor to create and link to this account
        interest_rate_tiers:
          type: array
          items:
            $ref: '#/components/schemas/InterestRateTierRequest'
          description: Used to define tiers of interest rates based on account balance. If only one tier is needed, use the interest_rate field instead.
        program_tags:
          type: array
          items:
            type: string
        is_apy:
          type: boolean
          default: false
          description: Indicates if the interest rate is an Annual Percentage Yield (APY). If ommitted or false, the rate is considered a nominal interest rate.
        interest_rate:
          type:
          - number
          - 'null'
          format: double
          description: Interest rate must be between 0 and 1 (e.g., 0.04 for 4%).
        signer_secondary:
          type:
          - string
          - 'null'
        beneficiary_name:
          type:
          - string
          - 'null'
        beneficiary_tin:
          type:
          - string
          - 'null'
        institution_account_id:
          type:
          - string
          - 'null'
        institution_sweep_account_id:
          type:
          - string
          - 'null'
        institution_return_account_id:
          type:
          - string
          - 'null'
        institution_branch_id:
          type:
          - string
          - 'null'
        institution_cost_center_id:
          type:
          - string
          - 'null'
        cost_center_id:
          type:
          - string
          - 'null'
          format: uuid
        managed_sweep_target_balance:
          oneOf:
          - $ref: '#/components/schemas/CreateAccountRequestManagedSweepTargetBalance'
          - type: 'null'
          description: Target balance for managed sweep accounts. Must be a non-negative USD amount.
        shadow_account:
          oneOf:
          - $ref: '#/components/schemas/ShadowAccountRequest'
          - type: 'null'
          description: Configuration for shadow account associated with this account.
        account_agreement_file_data:
          type:
          - string
          - 'null'
          description: Base64 encoded PDF file data (max 25MB)
        notes:
          type:
          - string
          - 'null'
          description: Notes for the account
        pricing_group_id:
          type:
          - string
          - 'null'
          format: uuid
          description: Pricing group ID associated with the account
        is_reciprocation_prioritized:
          type: boolean
          default: false
          description: Whether this account should be prioritized for reciprocation.
        is_receiving_printed_statements:
          type: boolean
          default: false
          description: Whether this account should receive printed statements.
        account_officer:
          type:
          - string
          - 'null'
          description: Account officer assigned to this account (free-text)
        is_non_interest_bearing:
          type: boolean
          default: false
          description: Whether this account is non-interest-bearing. If true, no interest rates, tiers, or pricing groups can be assigned.
        custom_field_1:
          type:
          - string
          - 'null'
          description: Custom field 1
        custom_field_2:
          type:
          - string
          - 'null'
          description: Custom field 2
        custom_field_3:
          type:
          - string
          - 'null'
          description: Custom field 3
        custom_field_4:
          type:
          - string
          - 'null'
          description: Custom field 4
      required:
      - account_title
      - account_type
      - depositor_ids
      title: CreateAccountRequest
    AddressData:
      type: object
      properties:
        street:
          type: string
        city:
          type: string
        state:
          type: string
        zip:
          type: string
        country_code:
          type: string
          description: ISO 3166-1 alpha-2 country code (e.g., US)
        is_primary:
          type: boolean
          default: true
      required:
      - street
      - city
      - state
      - zip
      - country_code
      title: AddressData
    ErrorDetail:
      type: object
      properties:
        detail:
          type: string
      required:
      - detail
      title: ErrorDetail
    EmailData:
      type: object
      properties:
        email_address:
          type: string
          format: email
        is_primary:
          type: boolean
          default: true
      required:
      - email_address
      title: EmailData
    InterestRateTierRequestRate:
      oneOf:
      - type: number
        format: double
      - type: string
      title: InterestRateTierRequestRate
    DepositorType:
      type: string
      enum:
      - CONSUMER
      - BUSINESS
      - NONPROFIT
      - LOCAL_GOVERNMENT
      - FEDERAL_GOVERNMENT
      - US_DEPOSITORY
      - FOREIGN_DEPOSITORY
      - FOREIGN_GOVERNMENT
      title: DepositorType
    CloseAccountResponse:
      type: object
      properties:
        account_id:
          type: string
        liquidation_amount:
          type: string
        scheduled_to_close_date:
          type: string
          format: date
      required:
      - account_id
      - liquidation_amount
      - scheduled_to_close_date
      title: CloseAccountResponse
    IdType:
      type: string
      enum:
      - INSTITUTION
      description: Type of the account id. Institution accounts ids are external ids and come from the institution.
      title: IdType
    ValidationErrorLocItems:
      oneOf:
      - type: string
      - type: integer
      title: ValidationErrorLocItems
    AccountResponse:
      type: object
      properties:
        id:
          type: string
        institution_id:
          type: string
        signer_primary:
          type:
          - string
          - 'null'
        signer_primary_tin_last4:
          type:
          - string
          - 'null'
        account_title:
          type: string
        interest_rate:
          type: string
        interest_rate_tiers:
          type: array
          items:
            $ref: '#/components/schemas/InterestRateTierResponse'
        insurance_limit:
          type: string
        account_type:
          $ref: '#/components/schemas/AccountType'
        created_at:
          type: string
        is_joint_account:
          type: boolean
        total_balance:
          type: string
        pending_balance:
          type: string
        closed_at:
          type:
          - string
          - 'null'
        signer_secondary:
          type:
          - string
          - 'null'
        beneficiary_name:
          type:
          - string
          - 'null'
        beneficiary_tin:
          type:
          - string
          - 'null'
        beneficiary_tin_last4:
          type:
          - string
          - 'null'
        institution_account_id:
          type:
          - string
          - 'null'
        institution_sweep_account_id:
          type:
          - string
          - 'null'
        institution_return_account_id:
          type:
          - string
          - 'null'
        institution_branch_id:
          type:
          - string
          - 'null'
        institution_alternative_id:
          type:
          - string
          - 'null'
        cost_center_id:
          type:
          - string
          - 'null'
        cost_center_code:
          type:
          - string
          - 'null'
        depositors:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/DepositorResponse'
        managed_sweep_target_balance:
          type:
          - string
          - 'null'
        shadow_account:
          oneOf:
          - $ref: '#/components/schemas/ShadowAccountResponse'
          - type: 'null'
        notes:
          type:
          - string
          - 'null'
        pricing_group_id:
          type:
          - string
          - 'null'
        is_reciprocation_prioritized:
          type: boolean
        is_receiving_printed_statements:
          type: boolean
        rate:
          type:
          - string
          - 'null'
        floating_spread:
          type:
          - string
          - 'null'
        floating_spread_bps:
          type:
          - string
          - 'null'
        rate_index_type:
          oneOf:
          - $ref: '#/components/schemas/ReferenceRateType'
          - type: 'null'
        floating_rate_percentage:
          type:
          - string
          - 'null'
        index_rate:
          type:
          - string
          - 'null'
        custom_benchmark_id:
          type:
          - string
          - 'null'
        custom_benchmark_rate:
          type:
          - string
          - 'null'
        rate_configuration:
          $ref: '#/components/schemas/RateConfiguration'
        account_officer:
          type:
          - string
          - 'null'
          description: Account officer assigned to this account
        is_non_interest_bearing:
          type: boolean
          default: false
          description: Whether this account is non-interest-bearing
        custom_field_1:
          type:
          - string
          - 'null'
          description: Custom field 1
        custom_field_2:
          type:
          - string
          - 'null'
          description: Custom field 2
        custom_field_3:
          type:
          - string
          - 'null'
          description: Custom field 3
        custom_field_4:
          type:
          - string
          - 'null'
          description: Custom field 4
      required:
      - id
      - institution_id
      - signer_primary
      - account_title
      - interest_rate
      - interest_rate_tiers
      - insurance_limit
      - account_type
      - created_at
      - is_joint_account
      - total_balance
      - pending_balance
      - is_reciprocation_prioritized
      - is_receiving_printed_statements
      - rate_configuration
      title: AccountResponse
    AccountTINResponse:
      type: object
      properties:
        tin:
          type: string
          description: The full decrypted TIN
      required:
      - tin
      title: AccountTINResponse
    PhoneNumberData:
      type: object
      properties:
        number:
          type: string
        is_primary:
          type: boolean
          default: true
      required:
      - number
      title: PhoneNumberData
    AccountType:
      type: string
      enum:
      - MMDA
      - DDA
      title: AccountType
    InterestRateTierRequestFloatingSpread:
      oneOf:
      - type: number
        format: double
      - type: string
      title: InterestRateTierRequestFloatingSpread
    InterestRateTierResponse:
      type: object
      properties:
        min_balance:
          type: string
        max_balance:
          type: string
        rate:
          type:
          - string
          - 'null'
        floating_spread:
          type:
          - string
          - 'null'
        rate_index_type:
          oneOf:
          - $ref: '#/components/schemas/ReferenceRateType'
          - type: 'null'
        floating_rate_percentage:
          type:
          - string
          - 'null'
        custom_benchmark_id:
          type:
          - string
          - 'null'
      required:
      - min_balance
      - max_balance
      title: InterestRateTierResponse
    InterestRateTierRequestFloatingRatePercentage:
      oneOf:
      - type: number
        format: double
      - type: string
      description: Multiplier applied to the index rate before adding floating_spread. Required when floating_spread is set. Effective rate = market_rate * floating_rate_percentage + floating_spread
      title: InterestRateTierRequestFloatingRatePercentage
    AllocationData:
      type: object
      properties:
        amount:
          type: string
        institution:
          $ref: '#/components/schemas/InstitutionData'
      required:
      - amount
      - institution
      title: AllocationData
    DigitalBankingV1AccountsAccountIdAllocationGetParametersAccountId:
      oneOf:
      - type: string
        format: uuid
      - type: string
      title: DigitalBankingV1AccountsAccountIdAllocationGetParametersAccountId
    InterestRateTierRequest:
      type: object
      properties:
        min_balance:
          $ref: '#/components/schemas/InterestRateTierRequestMinBalance'
        max_balance:
          $ref: '#/components/schemas/InterestRateTierRequestMaxBalance'
        rate:
          oneOf:
          - $ref: '#/components/schemas/InterestRateTierRequestRate'
          - type: 'null'
        floating_spread:
          oneOf:
          - $ref: '#/components/schemas/InterestRateTierRequestFloatingSpread'
          - type: 'null'
        rate_index_type:
          oneOf:
          - $ref: '#/components/schemas/ReferenceRateType'
          - type: 'null'
          description: Reference rate index type. Required when floating_spread is set.
        floating_rate_percentage:
          oneOf:
          - $ref: '#/components/schemas/InterestRateTierRequestFloatingRatePercentage'
          - type: 'null'
          description: Multiplier applied to the index rate before adding floating_spread. Required when floating_spread is set. Effective rate = market_rate * floating_rate_percentage + floating_spread
      required:
      - min_balance
      - max_balance
      title: InterestRateTierRequest
    InterestRateTierRequestMinBalance:
      oneOf:
      - type: number
        format: double
      - type: string
      title: InterestRateTierRequestMinBalance
    DigitalBankingV1AccountsAccountIdGetParametersAccountId:
      oneOf:
      - type: string
        format: uuid
      - type: string
      title: DigitalBankingV1AccountsAccountIdGetParametersAccountId
    ValidationErrorDetail:
      type: object
      properties:
        detail:
          type: array
          items:
            type: object
            additionalProperties:
              description: Any type
      required:
      - detail
      title: ValidationErrorDetail
    UpdateAccountRequestManagedSweepTargetBalance:
      oneOf:
      - type: number
        format: double
      - type: string
      title: UpdateAccountRequestManagedSweepTargetBalance
    ShadowAccountRequest:
      type: object
      properties:
        account_number:
          type: string
        account_type:
          $ref: '#/components/schemas/AccountType'
      required:
      - account_number
      - account_type
      title: ShadowAccountRequest
    HTTPValidationError:
      type: object
      properties:
        detail:
          type: array
          items:
            $ref: '#/components/schemas/ValidationError'
      title: HTTPValidationError
    InterestRateTierRequestMaxBalance:
      oneOf:
      - type: number
        format: double
      - type: string
      title: InterestRateTierRequestMaxBalance
    ShadowAccountResponse:
      type: object
      properties:
        id:
          type: string
        account_number:
          type: string
        account_type:
          $ref: '#/components/schemas/AccountType'
        closed_at:
          type:
          - string
          - 'null'
      required:
      - id
      - account_number
      - account_type
      title: ShadowAccountResponse
    CreateDepositorRequest:
      type: object
      properties:
        tin:
          type: string
          description: TIN must be unique per institution
        first_name:
          type:
          - string
          - 'null'
        last_name:
          type:
          - string
          - 'null'
        entity_name:
          type:
          - string
          - 'null'
        is_organization:
          type: boolean
          default: false
        institution_depositor_id:
          type:
          - string
          - 'null'
        phone_numbers:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas

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# Full source: https://raw.githubusercontent.com/api-evangelist/modernfi/refs/heads/main/openapi/modernfi-accounts-api-openapi.yml