Skip to main content
Bluum Finance is an investment infrastructure API for fintech companies. We sit between your application and the financial system — handling account onboarding, identity verification, custodian routing, order execution, wallet management, and regulatory compliance. You build the user experience. Bluum provides the rails.

​
How it works

┌─────────────┐      ┌─────────────────┐      ┌──────────────────┐
│  Your App   │ ───► │   Bluum API     │ ───► │  Financial System │
│  (Frontend) │ ◄─── │  (Orchestrator) │ ◄─── │  (Custodians,    │
└─────────────┘      └─────────────────┘      │   Banks, KYC)    │
                                               └──────────────────┘
Your application makes REST calls to the Bluum API. Bluum orchestrates the downstream operations — creating brokerage accounts with custodians, routing orders to exchanges, initiating ACH transfers, running identity verification — and returns clean, normalized responses. Webhook events notify you in real-time when asynchronous operations complete (order fills, deposit arrivals, KYC decisions).

​
Two integration models

Bluum supports two ways to embed investing, depending on your product:
Self-Directed InvestingWealth Management
What it isYour users decide what to buy and sellBluum’s engine manages portfolios on behalf of your users
Account typeindividual with management_type: "self_directed"individual with management_type: "advised"
Who places tradesEnd user (through your UI)Strategy engine (via portfolios and auto-invest)
Wealth APIs neededNoYes (profiles, risk, goals, portfolios)
Typical productsTrading apps, invest tabs, stock gifting, round-upsRobo-advisors, financial planner apps, employee benefits
Time to first trade~30 min in sandbox~1 hour in sandbox
Both models share the same foundation: accounts, compliance, wallets, funding, and market data. Wealth Management adds a layer of financial planning, risk assessment, and portfolio automation on top.

​
Core objects

These are the building blocks you’ll work with across both integration models:
ObjectWhat it represents
AccountAn investment account for one end user. Holds identity, contact info, disclosures, and agreements.
WalletThe cash balance for an account. Receives deposits, funds trades, and disburses withdrawals.
Deposit / WithdrawalA money movement into or out of a wallet. Supports ACH (via Plaid) and manual bank transfer.
Funding SourceA linked bank account (via Plaid) used for ACH deposits and withdrawals.
OrderA buy or sell instruction. Supports market, limit, stop, and trailing stop types.
PositionA holding in a specific asset — quantity, cost basis, current value, and P&L.
AssetA tradable instrument (stock, ETF). Searchable by symbol, name, or asset class.
WebhookA registered URL that receives event notifications (order filled, deposit completed, etc.).
Wealth Management adds:
ObjectWhat it represents
Investor ProfileComprehensive financial picture — demographics, employment, tax, insurance, estate planning, preferences.
Risk AssessmentA questionnaire-based risk tolerance score that drives portfolio construction.
GoalA financial objective (retirement, home purchase) with target amount and timeline.
Financial PlanA generated plan that maps goals to investment strategies.
PortfolioA managed collection of holdings governed by an Investment Policy Statement.
Auto-InvestA recurring schedule that automatically invests into a portfolio.

​
Authentication

All API requests use HTTP Basic Authentication. Your API Key is the username, your API Secret is the password. 
curl -X GET 'https://test-service.bluumfinance.com/v1/assets?asset_class=us_equity' \
  -H 'Authorization: Basic '$(echo -n 'YOUR_API_KEY:YOUR_API_SECRET' | base64)
You’ll get separate credentials for sandbox and production. See Authentication for details.

​
Environments

EnvironmentBase URLPurpose
Sandboxhttps://test-service.bluumfinance.com/v1Development and testing. Data resets nightly. Simulated order fills.
Productionhttps://service.bluumfinance.com/v1Live operations. Real money and securities. Requires compliance approval.
Start in sandbox — no approval needed. See Sandbox Environment for setup details.

​
Next steps

Quick Start: Self-Directed

Create an account, fund it, and place your first trade in under 30 minutes.

Quick Start: Wealth Management

Set up an investor profile, run risk assessment, and create a managed portfolio.