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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.

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Account types

TypeUse caseWealth APIsAuto-creates
individualPersonal investment account — most common typeDepends on management_typeWallet (+ Investor Profile if advised)
jointJoint investment account shared by two or more individualsDepends on management_typeWallet (+ Investor Profile if advised)
corporateCorporate/business investment accountDepends on management_typeWallet (+ Investor Profile if advised)

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Management type

The management_type field controls whether the account is self-directed or professionally managed:
Management typeDescriptionWealth APIs
self_directedUser decides what to buy and sell (default)No
advisedManaged portfolios, financial planning, robo-advisoryYes
For example, a self-directed personal account uses account_type: "individual" with management_type: "self_directed" (the default). A wealth-managed account uses account_type: "individual" with management_type: "advised".

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Account lifecycle

Create Account → KYC Verification → Active → Trading
                                      │        (orders, deposits,
                                      │         withdrawals)
                                      ▼
                                   Inactive / Suspended
StatusMeaning
ACTIVEAccount is open and can trade (sandbox accounts are immediately active)
INACTIVEAccount is deactivated
SUSPENDEDAccount temporarily suspended

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Required fields

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Contact

FieldTypeRequiredDescription
email_addressstringYesUser’s email
phone_numberstringYesE.164 format (e.g., +14155551234)
street_addressstring[]YesStreet address lines
citystringYesCity
statestringYesState/province code
postal_codestringYesPostal/ZIP code
countrystringYesISO 3166-1 alpha-2 (e.g., US)

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Identity

FieldTypeRequiredDescription
first_namestringYesLegal first name
last_namestringYesLegal last name
date_of_birthstringYesYYYY-MM-DD format
tax_idstringYesSSN or ITIN
tax_id_typestringYesSSN or ITIN
country_of_citizenshipstringYesISO 3166-1 alpha-2
country_of_birthstringYesISO 3166-1 alpha-2
country_of_tax_residencestringYesISO 3166-1 alpha-2
funding_sourcestring[]YesSource of funds (e.g., employment_income, investments)

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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?

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Agreements

At least investor_agreement and investor_agreement must be signed:
FieldTypeDescription
agreementstringAgreement type
agreedbooleanMust be true
signed_atstringISO 8601 timestamp
ip_addressstringIP address of the signer

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Additional account fields

These optional fields configure trading behavior and tax treatment:
FieldTypeDefaultDescription
tax_advantagedbooleanfalseWhether the account has tax-advantaged status (IRA, ISA, RRSP)
tax_designationstringnullJurisdiction-specific designation (e.g., traditional_ira, roth_ira, isa, rrsp)
trading_typestringmarginTrading type: margin or cash
enabled_assetsstring[]["us_equity"]Asset classes enabled: us_equity, us_option, crypto, bonds, etf, mutual_funds

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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

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Key endpoints

MethodPathDescription
POST/accountsCreate an account
GET/investors/{investor_id}Get account details
GET/accountsList all accounts
GET/investors/{investor_id}/walletsGet account wallets
GET/investors/{investor_id}/transactionsGet transaction history