Documentation Index
Fetch the complete documentation index at: https://docs.bluumfinance.com/llms.txt
Use this file to discover all available pages before exploring further.
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".
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 |
