/get_accounts

This will return a list of account names, along with basic account information, linked to the requested user handle. These are the accounts that were linked using the /link_account endpoint.

If you have been approved to pass account and routing numbers directly through the /link_account, you need not poll this endpoint unless you have a failed transaction and want to investigate.

Requests

The request body at this endpoint is the get_accounts_msg JSON object.

Authorization / Authentication

Apps using Access Token Authorization

Use a valid access token in an Authorization: Bearer request header.

See Authenticating with an Access Token for more details.

Apps using ECDSA Authentication

Both authsignature and usersignature headers are required for this request. The usersignature header should be generated with a keypair registered to the user (either registered from the /register endpoint or the /register_wallet endpoint).

See the section on ECDSA Authentication for more detail about ECDSA signature generation.

Note - We recently renamed the field auth_handle to app_handle. For backward compatibility, auth_handle is still valid but has been removed from our documentation.

POST /0.2/get_accounts HTTP/1.1
sandbox.silamoney.com
Content-Type: application/json
// if using OAuth2
Authorization: Bearer [GENERATED JWT TOKEN HERE]
// if using ECDSA
authsignature: [GENERATED AUTHSIGNATURE HEX STRING HERE]
usersignature: [GENERATED USERSIGNATURE HEX STRING HERE]

{
  "header": {
    "created": 1234567890, 
    "app_handle": "handle.silamoney.eth", 
    "user_handle":"user.silamoney.eth", 
    "version": "0.2",
    "crypto": "ETH", 
    "reference": "<your unique id>"
  }, 
  "message": "get_accounts_msg"
}

***

HTTP/1.1 200 OK

[
  {
    "account_number": "*1234",
    "routing_number": "123456789",
    "account_name": "default",
    "account_type": "CHECKING",
    "account_status": "active",
    "active": true/false,
    "account_link_status": "Plaid",
    "match_score": 0.825,
    "account_owner_name": "Test User",
    "entity_name": "Test User",
    "web_debit_verified":true
  }
]

const res = await Sila.getAccounts(userHandle, walletPrivateKey);

// Success Response Object
console.log(res.statusCode); // 200
console.log(res.data[0].account_name); // Account name
console.log(res.data[0].account_number); // Account number
console.log(res.data[0].account_status); // Account status
console.log(res.data[0].account_type); // Account type
console.log(res.data[0].routing_number);
console.log(res.data[0].active);
console.log(res.data[0].account_link_status);
console.log(res.data[0].match_score);
console.log(res.data[0].account_owner_name);
console.log(res.data[0].entity_name);
console.log(res.data[0].web_debit_verified); // true/false

payload={

        "user_handle": "user.silamoney.eth"    #Required
    }

User.getAccounts(silaApp,payload,user_private_key) # users_private_key (256 bits) associated with ethereum address                  


### Success Response Object
[
  {
    "account_number": "*1234",
    "routing_number": "123456789",
    "account_name": "default",
    "account_type": "CHECKING",
    "account_status": "active",
    "active": true/false,
    "account_link_status": "microdeposit_automatically_verified",
    "match_score": 0.825,
    "account_owner_name": "Test User",
    "entity_name": "Test User",
    "web_debit_verified":True
  }
]

### Failure Response Object
{
    status: 'FAILURE'
}

ApiResponse response = api.getAccounts("userHandle", "userPrivateKey");

// Success Response Object
System.out.println(response.getStatusCode()); // 200
System.out.println(((List<Account>) response.getData()).get(0).accountName); // Account name
System.out.println(((List<Account>) response.getData()).get(0).accountNumber); // Account Number
System.out.println(((List<Account>) response.getData()).get(0).accountStatus); // Account Status 
System.out.println(((List<Account>) response.getData()).get(0).accountType); // Account Type
System.out.println(((List<Account>) response.getData()).get(0).accountListStatus); // Account Link Status.
System.out.println(((List<Account>) response.getData()).get(0).routingNumber);
System.out.println(((List<Account>) response.getData()).get(0).active);
System.out.println(((List<Account>) response.getData()).get(0).matchScore);
System.out.println(((List<Account>) response.getData()).get(0).accountOwnerName);
System.out.println(((List<Account>) response.getData()).get(0).entityName);
System.out.println(((List<Account>) response.getData()).get(0).getWebDebitVerified()); // true/false

$userHandle = 'user.silamoney.eth';
$userPrivateKey = 'some private key'; // Hex format
$response = $client->getAccounts($userHandle, $userPrivateKey);

// Success 200
echo $response->getStatusCode();    // 200
$accounts = $response->getData();   // Array of Silamoney\Client\Domain\Account
if (count($accounts)) {
    echo $accounts[0]->accountName;     // Account Name
    echo $accounts[0]->accountNumber;   // Account Number
    echo $accounts[0]->accountStatus;   // Account Status
    echo $accounts[0]->accountType;     // Account Type
    echo $accounts[0]->matchScore;     // Match Score
    echo $accounts[0]->accountOwnerName;     // Account Owner Name
    echo $accounts[0]->entityName;     // Entity Name
}

ApiResponse<object> response = api.GetAccounts(userHandle, walletPrivateKey);

// Success Object Response

Console.WriteLine(response.StatusCode); // 200
Console.WriteLine(((List<Account>)response.Data)[0].AccountLinkStatus); // Account Link Status
Console.WriteLine(((List<Account>)response.Data)[0].AccountName); // Account Name
Console.WriteLine(((List<Account>)response.Data)[0].AccountNumber); // Account Number
Console.WriteLine(((List<Account>)response.Data)[0].AccountStatus); // Account Status
Console.WriteLine(((List<Account>)response.Data)[0].AccountType); // Account Type
Console.WriteLine(((List<Account>)response.Data)[0].Active); // Active
Console.WriteLine(((List<Account>)response.Data)[0].RoutingNumber); // Routing Number
Console.WriteLine(((List<Account>)response.Data)[0].MatchScore); // Match Score
Console.WriteLine(((List<Account>)response.Data)[0].AccountOwnerName); // Account Owner Name
Console.WriteLine(((List<Account>)response.Data)[0].EntityName); // Entity Name
Console.WriteLine(((List<Account>)response.Data)[0].WebDebitVerified); // true

Key	Type	Description
header	JSON object	Required. Requires these keys in JSON format: created, app_handle, user_handle. See the `/check_handle` endpoint for the complete list of fields in this object.

Responses

Status Code	Description
200	Successfully fetched array of accounts.
400	Bad request format - check `validation_details` for more information.
401	`authsignature` or `usersignature` header was absent or incorrect.

Response Contents

📘
If the account is in one of the microdeposit pending link states, a record with null account and routing numbers will be returned.

Key	Datatype	Description
`account_number`	string or `null`	Masked bank account number, last 4 digits visible.
`routing_number`	string or `null`	Bank account ACH routing number.
`account_name`	string	Optional: Custom nickname assigned for each linked bank account which is displayed to end user (details here).
`account_type`	string	Bank account subtype.
`account_status`	string	Whether the account is "frozen".
`active`	boolean	Whether the account is "frozen".
`account_link_status`	string	Plaid or MX link status.
`match_score`	string or `null`	Entity name match score with the account holder name
`account_owner_name`	string	Account owner name from Plaid or MX.
`entity_name`	string	Full name of the end-user.
`web_debit_verified`	boolean	Account will have a new property which denotes if the account satisfies the “account validation” aspect of the Web Debit Rule.

account_status values:

active
inactive

account_link_status values:

instantly_verified
microdeposit_automatically_verified
microdeposit_manually_verified
microdeposit_pending_automatic_verification
microdeposit_pending_manual_verification
verification_expired

🚧
Fuzzy Name Match and the /get_accounts response body
Within the response body of /get_accounts you will see the values:
"match_score": 0.825,
"account_owner_name": "Test User",
"entity_name": "Test User"
The account owner name is the name on the account provided by Plaid or MX, while the entity name is the name of the person or business as provided to Sila through your request to /register.
These two names need to closely match otherwise the account will not be useable. If the match score is less than 0.73 the account will be frozen and not useable.
Steps to unfreezing a linked account can be found HERE

Requests

Authorization / Authentication

Apps using Access Token Authorization

Apps using ECDSA Authentication

Responses

Response Contents

📘

🚧Fuzzy Name Match and the /get_accounts response body

🚧
Fuzzy Name Match and the `/get_accounts` response body