An Account represents an investment account for one end user. It’s the root object that connects to wallets, orders, positions, and (for wealth management) investor profiles and portfolios.
Account types
| Type | Use case | Wealth APIs | Auto-creates |
|---|
individual | Personal investment account — most common type | Depends on management_type | Wallet (+ Investor Profile if advised) |
joint | Joint investment account shared by two or more individuals | Depends on management_type | Wallet (+ Investor Profile if advised) |
corporate | Corporate/business investment account | Depends on management_type | Wallet (+ Investor Profile if advised) |
Management type
The management_type field controls whether the account is self-directed or professionally managed:
| Management type | Description | Wealth APIs |
|---|
self_directed | User decides what to buy and sell (default) | No |
advised | Managed portfolios, financial planning, robo-advisory | Yes |
account_type: "individual" with management_type: "self_directed" (the default). A wealth-managed account uses account_type: "individual" with management_type: "advised".
For backward compatibility, trading is accepted as an account_type value and maps to individual with management_type: "self_directed".
Account lifecycle
Create Account → KYC Verification → Active → Trading
│ (orders, deposits,
│ withdrawals)
▼
Inactive / Suspended
| Status | Meaning |
|---|
ACTIVE | Account is open and can trade (sandbox accounts are immediately active) |
INACTIVE | Account is deactivated |
SUSPENDED | Account temporarily suspended |
Required fields
| Field | Type | Required | Description |
|---|
email_address | string | Yes | User’s email |
phone_number | string | Yes | E.164 format (e.g., +14155551234) |
street_address | string[] | Yes | Street address lines |
city | string | Yes | City |
state | string | Yes | State/province code |
postal_code | string | Yes | Postal/ZIP code |
country | string | Yes | ISO 3166-1 alpha-2 (e.g., US) |
Identity
| Field | Type | Required | Description |
|---|
first_name | string | Yes | Legal first name |
last_name | string | Yes | Legal last name |
date_of_birth | string | Yes | YYYY-MM-DD format |
tax_id | string | Yes | SSN or ITIN |
tax_id_type | string | Yes | SSN or ITIN |
country_of_citizenship | string | Yes | ISO 3166-1 alpha-2 |
country_of_birth | string | Yes | ISO 3166-1 alpha-2 |
country_of_tax_residence | string | Yes | ISO 3166-1 alpha-2 |
funding_source | string[] | Yes | Source of funds (e.g., employment_income, investments) |
Disclosures
All boolean, all required:
is_control_person — Is the user a control person of a publicly traded company?is_affiliated_exchange_or_finra — Is the user affiliated with a stock exchange or FINRA?is_politically_exposed — Is the user a politically exposed person?immediate_family_exposed — Is an immediate family member politically exposed?
Agreements
At least account_agreement and customer_agreement must be signed:
| Field | Type | Description |
|---|
agreement | string | Agreement type |
agreed | boolean | Must be true |
signed_at | string | ISO 8601 timestamp |
ip_address | string | IP address of the signer |
Additional account fields
These optional fields configure trading behavior and tax treatment:
| Field | Type | Default | Description |
|---|
tax_advantaged | boolean | false | Whether the account has tax-advantaged status (IRA, ISA, RRSP) |
tax_designation | string | null | Jurisdiction-specific designation (e.g., traditional_ira, roth_ira, isa, rrsp) |
trading_type | string | margin | Trading type: margin or cash |
enabled_assets | string[] | ["us_equity"] | Asset classes enabled: us_equity, us_option, crypto, bonds, etf, mutual_funds |
Relationships
Account
├── Wallet (cash balance, deposits, withdrawals)
├── Orders (buy/sell instructions)
├── Positions (current holdings)
├── Documents (KYC uploads)
├── Funding Sources (linked bank accounts)
└── [Wealth Management]
├── Investor Profile
├── Risk Assessments
├── Goals & Life Events
├── Financial Plan
├── Investment Policy Statement
└── Portfolios
Key endpoints
| Method | Path | Description |
|---|
POST | /accounts | Create an account |
GET | /accounts/{account_id} | Get account details |
GET | /accounts | List all accounts |
GET | /accounts/{account_id}/wallets | Get account wallets |
GET | /accounts/{account_id}/transactions | Get transaction history |
