# The ID API **Canonical:** https://apis.io/apis/theidco/theidco-api/ **Provider:** The ID — https://apis.io/providers/theidco/ **Base URL:** https://uk.api.atto.co **Documentation:** https://docs.atto.co/content/apis/statements.md The ID API is published by [The ID](https://apis.io/providers/theidco/) on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. This API exposes 2 JSON Schema definitions. The published artifact set on APIs.io includes an OpenAPI specification and 2 JSON Schemas. The ID API as documented publicly: 36 operations. Contract generated from the documentation by API Evangelist (2026-10-21); not the provider's own document. ## Operations (36) | Method | Path | Summary | |---|---|---| | POST | `/account-verification/v3/consents/{consentid}` | Trigger a bank account validation. | | GET | `/advanced-insights/v1/consents/{consentid}/business-financial-health` | If the individual has connected their account using Atto Connect, you can use the GET /advanced-insights/v1/consents/{consentId}/business-financial-health en... | | GET | `/advanced-insights/v1/consents/{consentid}/consumer-financial-health` | If the individual has connected their account using Atto Connect, you can use the GET /advanced-insights/v1/consents/{consentId}/consumer-financial-health en... | | GET | `/affordability/v1/consents/{consentid}` | Maximum of 12 months returned. | | GET | `/atto-score/v1/consents/{consentid}/accounts/{accountid}` | If you wish to receive the Atto score, you can do so using the GET /atto-score/v1/consents/{consentId}/accounts/{accountId} endpoint | | POST | `/connect-invitations/v1` | Returns Invitation ID of the sent invitation | | GET | `/connect-invitations/v1/{invitationid}` | Returns an email invitation with the supplied invitationId, if it exists. | | POST | `/connect/users/v1/verification` | This API validates a users personal information which if successful will retrieve their credit profile. | | DELETE | `/connect/users/v1/{userid}/accounts` | This API deletes all credit bureau reported accounts information held for a user from the database and will no longer be retrievable | | GET | `/connect/users/v1/{userid}/accounts` | This API returns a list of connected accounts and unconnected accounts. | | GET | `/consents/v1` | GET /consents/v1 | | GET | `/consents/v1/{consentid}` | Returns a single consent which details information regarding the connection | | POST | `/consents/v1/{consentid}/revoke` | Revokes a consent stopping further interaction without reauthenticating or reconfirming | | GET | `/consents/v2` | Returns a list of consents that can be filtered with a number of optional parameters and ordered descending by status updated datetime value | | GET | `/data/v1/consents/{consentid}/accounts` | Returns a list containing the accounts shared for a consent. Does a fresh pull from the external provider. | | GET | `/data/v2/consents/{consentid}/accounts` | Returns a list containing the accounts shared for a consent. Does a fresh pull from the external provider. | | GET | `/data/v2/consents/{consentid}/accounts/{accountid}` | Returns a specific account shared for a consent. Does a fresh pull from the external provider. | | GET | `/data/v2/consents/{consentid}/accounts/{accountid}/balances` | Returns the balance information for a specific account. | | GET | `/data/v2/consents/{consentid}/accounts/{accountid}/transactions` | Returns a list of transactions tied to a specific account. | | GET | `/income-verification/v1/consents/{consentid}/verifications` | If the individual has connected their account using Atto Connect, you can use the GET endpoint to verify an individual's income. | | POST | `/insights-engine/v1/affordability` | Processes affordability for the transactions supplied. | | POST | `/insights-engine/v1/enrich-transactions` | Adds categorisation, classification and predicts a merchant name for transactions supplied | | POST | `/insights-engine/v1/income-verification` | Processes the income verifications for the accounts supplied | | DELETE | `/stored-data/v1/consents/{consentid}` | Deletes all the stored data associated with the consent | | GET | `/stored-data/v1/consents/{consentid}/accounts` | Returns a list of accounts that contains the relevant account information | | GET | `/stored-data/v1/consents/{consentid}/accounts/{accountid}/balances` | Returns balances for an account for a consent which contains credit lines | | GET | `/stored-data/v1/consents/{consentid}/accounts/{accountid}/end-of-day-balances` | Returns the end of day balances for an account for a given consent. | | GET | `/stored-data/v1/consents/{consentid}/accounts/{accountid}/transactions` | Returns a list of transactions for an account for a consent. | | GET | `/stored-data/v1/consents/{consentid}/affordability` | Returns the affordability of one or more accounts including monthly affordability and transactions | | GET | `/stored-data/v1/consents/{consentid}/income-verifications` | Gets the income verifications for the accounts shared for a consent including income sources | | GET | `/stored-data/v1/consents/{consentid}/payment-account-confirmation` | Returns the payment account confirmation for the consent | | GET | `/stored-data/v1/consents/{consentid}/provider-details` | Returns details of the connection with bank name and relevant connection dates | | POST | `/stored-data/v1/consents/{consentid}/refresh` | Refreshes the underlying connection for the banking data with the provider, then performs enrichment | | DELETE | `/stored-data/v1/users/{userid}` | Deletes all the stored data associated with the user | | GET | `/stored-data/v2/consents/{consentid}/accounts/{accountid}/balances` | Returns balances for an account for a consent which contains credit lines | | POST | `/v1/oauth2/token` | Returns a token. Only client_credentials grant type is supported. | ## Machine-readable artifacts (4) - **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/theidco/refs/heads/main/openapi/_ae-authored/theidco-openapi-generated.yml - **JSONSchema** — https://raw.githubusercontent.com/api-evangelist/theidco/refs/heads/main/json-schema/theidco-get-connect-invitations-v1-invitationid-response-schema.json - **JSONSchema** — https://raw.githubusercontent.com/api-evangelist/theidco/refs/heads/main/json-schema/theidco-post-connect-invitations-v1-response-schema.json - **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/theidco/refs/heads/main/apis.yml --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/theidco/theidco-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/theidco/.