Assets

We use the term "asset" here to refer to both assets and liabilities.

The SFTP interface allows connected systems to programmatically add or update asset information in bulk. Deleting assets via SFTP is currently not supported (given the irreversible nature of that operation). Adding or updating assets is performed by uploading a JSONL (JSON Lines) file, where each line represents an asset object.

SFTP

Assets File Specification

JSONL File Schema

Name
id
Type
string (Max 255)
Description
Your firm's unique identifier for the asset.
Name
top_account_id
Type
string (Max 255)
Description
The unique identifier of the top account associated with the asset.
Name
account_type
Type
enum
Description
The type of the account. See Account Types for enum values.
Name
account_name
Type
string (Max 255)
Description
The name of the account.
Name
account_number
Type
string (Max 255), optional
Description
The account number (for display purposes). You may send a masked account number, or even the last 4 digits.
Name
holdings
Type
array of JSON, optional
Description
An array of holdings associated with the account. If holdings are provided, then each holding must include:
- holding_id: string (Max 255) - The unique identifier for the holding.
- major_asset_class: enum (Major and Minor Asset Classes) - The major asset class of the holding.
- minor_asset_class: enum (Major and Minor Asset Classes) - The minor asset class of the holding.
- balance_in_usd: decimal(39,18) - The balance of the holding in USD. This ought to be negative for liabilities. Note: It is encouraged to provide more than two decimal places here to avoid rounding error when we sum these balances to obtain the total account balance. For display purposes in our UI, though, we will truncate to two decimal places.
Name
balance_as_of
Type
ISO 8601 UTC timestamp
Description
The UTC timestamp (e.g., 2025-02-01T14:00:00Z) indicating when the balance was last updated. Either this field or balance_as_of_date is required. Both should not be provided, but if they are, we will use balance_as_of.
Name
balance_as_of_date
Type
date (YYYY-MM-DD)
Description
The date (YYYY-MM-DD) indicating when the balance was last updated. Either this field or balance_as_of is required. Both should not be provided, but if they are, we will use balance_as_of.
Name
balance_in_usd
Type
decimal(39,18), optional
Description
The total balance of the account in USD. This ought to be negative for liabilities. This field is required if holdings (which include balance_in_usd) are not provided. If holdings are provided, then this field should not be provided since we will use the sum of the balances of the holdings as the total balance. Note: For display purposes in our UI, we will truncate to two decimal places.
Name
ownership
Type
array of JSON, optional
Description
An array of ownership details for the account. If ownership is provided, then each ownership entry must include:
- percentage: float - The percentage of ownership (between 0 and 100).
- owner_id: array of strings (Max 255 per string) - The id of the owner(s). An owner should be a person, trust, or entity. The only instance in which multiple owner ids should be provided in this owner_id array is in the case of multiple people having joint ownership with right of survivorship. Other forms of shared ownership, e.g., ABC Trust owns 25%, DEF Entity owns 75%, would be indicated by providing multiple objects in the ownership array.

Example JSONL File

assets.jsonl

{
  "id": "fa038f59-29e7-48a7-bee8-f93f4e4158e1",
  "top_account_id": "123e4567-e89b-12d3-a456-426614174000",
  "account_type": "Brokerage",
  "account_name": "John Doe Brokerage Account",
  "account_number": "xxxxx6789",
  "holdings": [
    {
      "holding_id": "holding-001",
      "major_asset_class": "PublicEquity",
      "minor_asset_class": "USEquity",
      "balance_in_usd": 5000.00
    },
    {
      "holding_id": "holding-002",
      "major_asset_class": "PublicEquity",
      "minor_asset_class": "NonUSEquity",
      "balance_in_usd": 3000.00
    }
  ],
  "balance_as_of": "2025-03-14T12:00:00Z",
  "ownership": [
    {
      "percentage": 100.0,
      "owner_id": ["ca7e299a-5404-4d10-82f4-584ebb1bee54"]
    }
  ]
}
{
  "id": "a4a274db-7faa-4d09-b4b1-30fd83981021",
  "top_account_id": "123e4567-e89b-12d3-a456-426614174000",
  "account_type": "Loan",
  "account_name": "Beach House Mortage",
  "account_number": "xxx4321",
  "balance_as_of_date": "2025-01-31",
  "balance_in_usd": -100000.00,
  "ownership": [
    {
      "percentage": 75.0,
      "owner_id": ["ca7e299a-5404-4d10-82f4-584ebb1bee54", "4c59a99e-49e9-4364-afa6-22d62d9af3a7"]
    },
    {
      "percentage": 25.0,
      "owner_id": ["893703bf-041b-45e2-8f41-9ff8d705a6bd"]
    }
  ]
}

Account Types

Cash
Checking
Saving
MoneyMarket
CertificateOfDeposit
HighYieldSavings
CashAccount
Brokerage
Advisory
Trust
Estate
RoboAdvisor
Cryptocurrency
OtherInvestment
IRA
RothIRA
Retirement401K
RetirementRoth401K
Retirement403b
Retirement457Plan
RetirementSEPIRA
RetirementSimpleIRA
RetirementDBP
RetirementRolloverIRA
OtherRetirement
UGMA
UTMA
Education529
ESA
EducationCustodial
PrivateEquity
HedgeFund
VentureCapital
RealEstateInvestment
CloselyHeldInvestment
OtherAlternativeInvestment
StockOption
RealEstate
HSAFSA
Escrow
Vehicle
PersonalInventory
OtherAsset
Insurance
AnnuityInsurance
OtherInsurance
SecuredLoans
UnsecuredLoans
IntraFamilyLoan
Mortgage
Loan
CreditCard
OtherLiability
Crowdfunding
DerivativesAndNotes
PublicEquity
FixedIncome

Major and Minor Asset Classes

Major Asset Class	Minor Asset Class
CashDepositsMoneyMarketFunds	Cash
	DepositsMoneyMarketFunds
FixedIncome	InvestmentGradeFixedIncome
	HybridFixedIncome
	OtherFixedIncome
PublicEquity	USEquity
	NonUSEquity
	GlobalEquity
	IncomeOrientedEquity
	OtherEquity
AlternativeInvestments	PrivateEquity
	HedgeFunds
	RealEstate
	Commodities
	VentureCapital
	PersonalRealEstate
	Other
OtherInvestments	AssetAllocation
	Miscellaneous
Liabilities	CreditCard
	Loan
	IntraFamilyLoan
	OtherLiability
	ResidentialMortgages
	SecurityBasedLoans
	StructuredLoans