Montran · Schema

Montran Account

A financial account managed through Montran's payment infrastructure. Represents both physical bank accounts and virtual accounts, with support for ISO 20022 camt message structures for balance and statement reporting.

BankingCentral BankingFinancial-ServicesISO 20022Market InfrastructureMessagingPaymentsReal-Time PaymentsSwift

Properties

Name	Type	Description
accountId	string	Unique account identifier
accountType	string	Type of account
iban	string	International Bank Account Number
accountNumber	string	Proprietary account number
currency	string	Account currency (ISO 4217)
ownerName	string	Name of the account owner
accountName	string	Account name or description
status	string	Account status
institution	object	Account-holding financial institution
balances	array	Account balances aligned with ISO 20022 camt.052 BankToCustomerAccountReport
virtualAccount	object	Virtual account specific properties (when accountType is virtual)
createdAt	string	Account creation timestamp
updatedAt	string	Last update timestamp

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://www.montran.com/schemas/account.json",
  "title": "Montran Account",
  "description": "A financial account managed through Montran's payment infrastructure. Represents both physical bank accounts and virtual accounts, with support for ISO 20022 camt message structures for balance and statement reporting.",
  "type": "object",
  "required": [
    "accountId",
    "currency",
    "status"
  ],
  "properties": {
    "accountId": {
      "type": "string",
      "description": "Unique account identifier"
    },
    "accountType": {
      "type": "string",
      "description": "Type of account",
      "enum": [
        "physical",
        "virtual",
        "virtual_iban"
      ]
    },
    "iban": {
      "type": "string",
      "description": "International Bank Account Number",
      "pattern": "^[A-Z]{2}[0-9]{2}[A-Z0-9]{4,30}$"
    },
    "accountNumber": {
      "type": "string",
      "description": "Proprietary account number"
    },
    "currency": {
      "type": "string",
      "description": "Account currency (ISO 4217)",
      "pattern": "^[A-Z]{3}$"
    },
    "ownerName": {
      "type": "string",
      "description": "Name of the account owner"
    },
    "accountName": {
      "type": "string",
      "description": "Account name or description"
    },
    "status": {
      "type": "string",
      "description": "Account status",
      "enum": [
        "active",
        "suspended",
        "closed",
        "blocked"
      ]
    },
    "institution": {
      "type": "object",
      "description": "Account-holding financial institution",
      "properties": {
        "bic": {
          "type": "string",
          "description": "Bank Identifier Code (SWIFT/BIC)",
          "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
        },
        "name": {
          "type": "string",
          "description": "Name of the financial institution"
        },
        "country": {
          "type": "string",
          "description": "Country code (ISO 3166-1 alpha-2)",
          "pattern": "^[A-Z]{2}$"
        }
      }
    },
    "balances": {
      "type": "array",
      "description": "Account balances aligned with ISO 20022 camt.052 BankToCustomerAccountReport",
      "items": {
        "type": "object",
        "properties": {
          "type": {
            "type": "string",
            "description": "Balance type code",
            "enum": [
              "CLBD",
              "ITBD",
              "OPBD",
              "PRCD",
              "XPCD",
              "ITAV"
            ]
          },
          "amount": {
            "type": "number",
            "description": "Balance amount"
          },
          "currency": {
            "type": "string",
            "description": "Balance currency",
            "pattern": "^[A-Z]{3}$"
          },
          "creditDebitIndicator": {
            "type": "string",
            "enum": [
              "CRDT",
              "DBIT"
            ]
          },
          "dateTime": {
            "type": "string",
            "format": "date-time",
            "description": "Balance date and time"
          }
        }
      }
    },
    "virtualAccount": {
      "type": "object",
      "description": "Virtual account specific properties (when accountType is virtual)",
      "properties": {
        "physicalAccountId": {
          "type": "string",
          "description": "ID of the underlying physical bank account"
        },
        "virtualIban": {
          "type": "string",
          "description": "Associated virtual IBAN"
        },
        "purpose": {
          "type": "string",
          "description": "Purpose of the virtual account",
          "enum": [
            "GENERAL",
            "POBO",
            "COBO",
            "ESCROW",
            "IN_HOUSE_BANK",
            "TREASURY"
          ]
        },
        "parentVirtualAccountId": {
          "type": "string",
          "description": "Parent virtual account for hierarchical structures"
        },
        "autoAllocate": {
          "type": "boolean",
          "description": "Whether incoming payments are auto-allocated"
        }
      }
    },
    "createdAt": {
      "type": "string",
      "format": "date-time",
      "description": "Account creation timestamp"
    },
    "updatedAt": {
      "type": "string",
      "format": "date-time",
      "description": "Last update timestamp"
    }
  }
}