# Bank Feed Ingestion API

*/Software/Bank_Feed_Ingestion_API*

## Solution Overview

The Bank Feed Ingestion API connects directly to commercial and regional banking portals to extract, normalize, and reconcile transaction data in real time. It standardizes messy statement strings, asynchronous ACH settlements, and wire transfers into a single unified JSON schema. Instead of dealing with disparate CSV exports or brittle screen scrapers, developers receive structured debit and credit entries mapped to standard chart-of-accounts categories.

FinTech application builders, treasury management platforms, and autonomous accounting agents consume this API to bypass the infrastructure burden of maintaining hundreds of discrete bank integrations. It eliminates the problem of schema drift when regional credit unions update their portal interfaces, automatically handling multi-factor authentication prompts and session timeouts. When a feed breaks or requires manual token refresh, the API pauses the sync and generates a webhook alert for the end-user to re-authenticate, ensuring downstream ledgers never process incomplete data.

Operating purely as a headless SaaS primitive, the API sits below the application layer. It consumes unstructured HTML and legacy OFX files from financial institutions at the bottom of the stack, outputting standardized payloads for autonomous bookkeepers and financial services-as-software offerings above. This isolates the complexity of financial data ingestion, allowing higher-level agents to focus solely on reconciliation and tax categorization without building foundational data pipelines.

## Headless Saas Data Model

**Entities**:
- Name: Transaction · Description: Normalized debit or credit entry extracted from an institutional bank feed
- Name: Account · Description: Financial account linked via a banking portal connection
- Name: BankConnection · Description: Authenticated session with a specific financial institution portal
- Name: SyncEvent · Description: Log of an ingestion attempt, pauses, and webhook alerts
- Name: Workspace · Description: Tenant isolating connections, accounts, and transactions for a developer
**Relations**:
- To: Account · From: Transaction · Label: belongs to · Cardinality: one-to-many
- To: BankConnection · From: Account · Label: belongs to · Cardinality: one-to-many
- To: Workspace · From: Account · Label: belongs to · Cardinality: one-to-many
- To: Workspace · From: BankConnection · Label: belongs to · Cardinality: one-to-many
- To: BankConnection · From: SyncEvent · Label: belongs to · Cardinality: one-to-many
**Tenant Anchor**: Workspace
**Primary Resource**: Transaction

## Api Definition

**Protocols**:
- REST
- SDK
- MCP
- Webhooks
**Consumed By**:
- [Autonomous Bookkeeping Agent](/Agents/Autonomous_Bookkeeping_Agent)
- [Treasury Recon Agent](/Agents/Treasury_Recon_Agent)
- [Cash Positioning Agent](/Agents/Cash_Positioning_Agent)
**Integrations**:
- [JPMorgan Chase](/Products/JPMorgan_Chase)
- [Wells Fargo](/Products/Wells_Fargo)
- [Jack Henry](/Products/Jack_Henry)
- [OFX Protocol](/Products/OFX_Protocol)
**Consumption Model**: An agent provisions a Workspace via REST, triggers a connection sync through MCP, and listens to webhooks for normalized transaction payloads and MFA prompts.
**Workflow Wrappers**:
- Name: Run Connection Sync · Wraps: authenticates the portal session, parses legacy OFX or HTML, and normalizes new transactions
- Name: Submit MFA Challenge · Wraps: processes the user MFA payload, unpauses the sync event, and resumes transaction extraction

## Api Function Cascade

**Ai Role**: This headless SaaS primitive operates fully unattended as stateless software, utilizing generative models to extract raw transactions from messy banking HTML and deterministic code to securely handle connections and schema normalization.
**Cascade**:
- Kind: Code · Note: Connects to bank integrations like Wells Fargo or Jack Henry. · Step: Establish Integration Session · Verb: authenticate · Realizes: Establish System Access · Oversight: none
- Kind: Code · Note: Pauses the sync event and webhooks the consuming agent for the payload. · Step: Emit MFA Challenge · Verb: prompt · Realizes: Verify Security Credentials · Oversight: none
- Kind: Generative · Note: Identifies and extracts raw transactions from legacy OFX protocols or HTML. · Step: Parse Statement Markup · Verb: extract · Realizes: Process Financial Transactions · Oversight: none
- Kind: Code · Note: Maps varying bank data structures into a unified schema. · Step: Normalize Transaction Payload · Verb: normalize · Realizes: Standardize Data Formats · Oversight: none
- Kind: Code · Note: Dispatches the standardized records back to the autonomous agent. · Step: Transmit Normalized Webhook · Verb: transmit · Realizes: Transmit Data To External Systems · Oversight: none
**Optimizes**:
- [Connection Sync Success Rate](/Metrics/Connection_Sync_Success_Rate)
- [Data Normalization Accuracy](/Metrics/Data_Normalization_Accuracy)
- [Transaction Extraction Latency](/Metrics/Transaction_Extraction_Latency)
- [First-Pass Yield](/Metrics/First-Pass_Yield)

## Headless Saas Representative Offer

**Warranty**: Guarantees 99.9% API uptime and standardized payload delivery, offering prorated service credits for extended connection drops or sync delays.
**Price Band**: Roughly $0.10 to $0.25 per successful connection sync, or billed per thousand normalized transactions depending on the provider tier.
**Pricing Kind**: UsageMeter
**Deliverables**:
- REST API workspace provisioning access
- Normalized transaction payload webhooks
- MFA challenge routing endpoints
- Legacy OFX and HTML parsing execution
**Delivery Mode**: Delivered as a self-serve, instant-provisioning API where autonomous agents authenticate, trigger sync workflows, and process the resulting webhooks.
**Business Function**: ProvideService
**Agent Checkout Support**:
- agentic-commerce-protocol
- stored-credential

## Headless Saas Crud Surface

**Auth Model**: API Key
**Endpoints**:
- GET /transactions — list transactions
- POST /transactions — create a transaction
- GET /transactions/{id} — fetch a transaction
- PATCH /transactions/{id} — update a transaction
- GET /accounts — list accounts
- POST /accounts — create an account
- GET /accounts/{id} — fetch an account
- PATCH /accounts/{id} — update an account
- GET /accounts/{id}/transactions — list transactions for an account
- GET /bank-connections — list bank connections
- POST /bank-connections — create a bank connection
- GET /bank-connections/{id} — fetch a bank connection
- PATCH /bank-connections/{id} — update a bank connection
- POST /bank-connections/{id}/sync — trigger a bank connection sync
- GET /bank-connections/{id}/accounts — list accounts for a bank connection
- GET /bank-connections/{id}/sync-events — list sync events for a bank connection
- GET /sync-events — list sync events
- POST /sync-events — create a sync event
- GET /sync-events/{id} — fetch a sync event
- PATCH /sync-events/{id} — update a sync event
- GET /workspaces — list workspaces
- POST /workspaces — create a workspace
- GET /workspaces/{id} — fetch a workspace
- PATCH /workspaces/{id} — update a workspace
- GET /workspaces/{id}/bank-connections — list bank connections in a workspace
- GET /workspaces/{id}/accounts — list accounts in a workspace
**Multitenancy**: Row-level isolation
**Webhook Events**:
- transaction.created
- bank_connection.synced
- bank_connection.auth_failed
- sync_event.failed

## Headless Saas Erd

```mermaid
erDiagram
    Transaction ||--o{ Account : "belongs to"
    Account ||--o{ BankConnection : "belongs to"
    Account ||--o{ Workspace : "belongs to"
    BankConnection ||--o{ Workspace : "belongs to"
    SyncEvent ||--o{ BankConnection : "belongs to"
    Transaction {
        UUID id PK
        UUID accountId FK
        DECIMAL amount
        VARCHAR entryType
        VARCHAR rawStatementText
        VARCHAR standardizedCategory
        TIMESTAMP settledAt
    }
    Account {
        UUID id PK
        UUID connectionId FK
        UUID workspaceId FK
        VARCHAR accountMask
        VARCHAR currency
        DECIMAL currentBalance
    }
    BankConnection {
        UUID id PK
        UUID workspaceId FK
        VARCHAR institutionName
        VARCHAR authStatus
        TIMESTAMP lastSyncedAt
    }
    SyncEvent {
        UUID id PK
        UUID connectionId FK
        VARCHAR status
        TEXT errorLog
        TIMESTAMP startedAt
    }
    Workspace {
        UUID id PK "tenant key"
        VARCHAR name
        VARCHAR webhookUrl
    }
```

## Neighborhood

### Composed into

- [Bookrealm](/Startups/Bookrealm) — composes · Startups
- [Bookbotpost](/Startups/Bookbotpost) — composes · Startups
- [Zerotouchbooks](/Startups/Zerotouchbooks) — composes · Startups
- [Automatedloft](/Startups/Automatedloft) — composes · Startups
- [Accountancystratum](/Startups/Accountancystratum) — composes · Startups
- [Beacondeck](/Startups/Beacondeck) — composes · Startups
- [Bookgate](/Startups/Bookgate) — composes · Startups
- [Bookkapture](/Startups/Bookkapture) — composes · Startups
- [Bookdock](/Startups/Bookdock) — composes · Startups
- [Anomalykit](/Startups/Anomalykit) — composes · Startups
- [Ledger Intake Agent](/Services/Ledger_Intake_Agent) — composes · Services
- [Compatter](/Startups/Compatter) — composes · Startups

### Optimizes

- [Connection Sync Success Rate](/Metrics/Connection_Sync_Success_Rate) — optimizes · Metrics
- [Data Normalization Accuracy](/Metrics/Data_Normalization_Accuracy) — optimizes · Metrics
- [First-Pass Yield](/Metrics/First-Pass_Yield) — optimizes · Metrics
- [Transaction Extraction Latency](/Metrics/Transaction_Extraction_Latency) — optimizes · Metrics

### What it uses

- [Jack Henry](/Products/Jack_Henry) — uses · Products
- [OFX Protocol](/Products/OFX_Protocol) — uses · Products
- [Wells Fargo](/Products/Wells_Fargo) — uses · Products
- [JPMorgan Chase](/Products/JPMorgan_Chase) — uses · Products

### Who consumes this

- [Autonomous Bookkeeping Agent](/Agents/Autonomous_Bookkeeping_Agent) — consumed by · Agents
- [Cash Positioning Agent](/Agents/Cash_Positioning_Agent) — consumed by · Agents
- [Treasury Recon Agent](/Agents/Treasury_Recon_Agent) — consumed by · Agents

### Similar Software

- [Bank Feed API](/Software/Bank_Feed_API) — similar · Software
- [Bank Transaction API](/Software/Bank_Transaction_API) — similar · Software
- [Transaction Sync API](/Software/Transaction_Sync_API) — similar · Software
- [Open Banking APIs](/Resources/Client_financial_data/Software/Open_Banking_APIs) — similar · Software
- [Brokerage Account Feeds](/Resources/Client_financial_data/Software/Brokerage_Account_Feeds) — similar · Software
- [Invoice Reconciliation API](/Software/Invoice_Reconciliation_API) — similar · Software
- [Core Banking Systems](/Resources/Client_financial_data/Software/Core_Banking_Systems) — similar · Software
- [Ledger Sync API](/Software/Ledger_Sync_API) — similar · Software
- [Payroll Provider Feeds](/Resources/Client_financial_data/Software/Payroll_Provider_Feeds) — similar · Software
- [Accounting API](/Software/Accounting_API) — similar · Software
- [Ledger Reconciliation API](/Software/Ledger_Reconciliation_API) — similar · Software

### Similar Agents

- [Agnostic Ingestion API](/Agents/Agnostic_Ingestion_API) — similar · Agents
- [Multi-Ledger Sync API](/Agents/Multi-Ledger_Sync_API) — similar · Agents
- [Ingestion Orchestration Agent](/Resources/Client_financial_data/Agents/Ingestion_Orchestration_Agent) — similar · Agents
- [Bank Recon Agent](/Agents/Bank_Recon_Agent) — similar · Agents

### Similar Startups

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### Similar Resources

- [Financial integration APIs](/Resources/Financial_integration_APIs) — similar · Resources