Details regarding the account.
Belvo's unique identifier for the current item.
The link.id
the data belongs to.
Details regarding the institution.
The ISO-8601 timestamp when the data point was collected.
The ISO-8601 timestamp of when the data point was created in Belvo's database.
The ISO-8601 timestamp of Belvo's most recent successful access to the institution for the given link.
The type of account. We return one of the following enum values:
ADVANCE_DEPOSIT_ACCOUNT
CHECKING_ACCOUNT
CREDIT_CARD
FINANCING_ACCOUNT
INVESTMENT_ACCOUNT
INVOICE_FINANCING_ACCOUNT
LOAN_ACCOUNT
PENSION_FUND_ACCOUNT
SAVINGS_ACCOUNT
UNCATEGORIZED
Indicates whether this account is either an ASSET
or a LIABILITY
. You can consider the balance of an ASSET
as being positive, while the balance of a LIABILITY
as negative.
The account type, as designated by the institution.
Non-nullable: A value must be returned by Brazil's open finance network.
The account subtype, as designated by the institution.
Non-nullable: A value must be returned by Brazil's open finance network.
The account name, as given by the institution.
The account number, as designated by the institution.
The branch code where the product was opened.
The check digit of the product's number, if applicable.
Details regarding the current and available balances for the account.
The current balance is calculated differently according to the type of account.
- 💰 Checking and saving accounts:
The user's account balance at the collected_at
timestamp.
- 💳 Credit cards:
The amount the user has spent in the current card billing period (see credit_data.cutting_date
for information on when the current billing period finishes).
- 🏡 Loan accounts:
The amount remaining to pay on the users's loan.
The balance that the account owner can use.
- 💰 Checking and saving accounts:
The available balance may be different to the current
balance due to pending transactions.
- 💳 Credit cards:
The credit amount the user still has available for the current period. The amount is calculated as credit_data.credit_limit
minus balance.current
.
- 🏡 Loan accounts:
The present value required to pay off the loan, as provided by the institution.
Note: If the institution does not provide this value, we return null
.
The amount that is currently blocked due to pending transactions.
Non-nullable: A value must be returned by Brazil's open finance network if the
balances
field is available.
The three-letter currency code (ISO-4217).
Non-nullable: A value must be returned by Brazil's open finance network if the
balances
field is available.
The public name for the type of identification. For 🇧🇷 Brazilian savings and checking accounts, this field will be AGENCY/ACCOUNT
.
The value for the public_identification_name
.
For 🇧🇷 OFDA Brazilian savings and checking accounts, this field will be the agency and bank account number, separated by a slash. For example: 0444/45722-0
.
For 🇧🇷 OFDA Brazilian credit card accounts, we will return a string of concatenated credit card numbers associated with the account. For example: "8763,9076,5522"
The institution's internal identification for the account.
Non-nullable: A value must be returned by Brazil's open finance network if the
balances
field is available.
Details regarding the credit cards associated with this account.
The ISO-8601 timestamp when the data point was collected.
The upper credit limit of the card.
Non-nullable: A value must be returned by Brazil's open finance network.
The date when the credit card's bill is due.
The minimum amount that the account owner needs to pay in the current credit period.
The credit network that the card is associated with. We return one of the following values:
VISA
MASTERCARD
AMERICAN_EXPRESS
DINERS_CLUB
HIPERCARD
BANDEIRA_PROPRIA
CHEQUE_ELETRONICO
ELO
OTHER
Non-nullable: A value must be returned by Brazil's open finance network.
Additional information about the credit card network.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
The loan options associated with this account.
The ISO-8601 timestamp when the data point was collected.
The country-specific standardized contract number.
Non-nullable: A value must be returned by Brazil's open finance network.
The initial total loan amount when the contract was signed, calculated by the institution. This amount includes the principal + interest + taxes + fees.
The initial total effective cost of the loan.
The type of the loan, according to the institution.
Non-nullable: A value must be returned by Brazil's open finance network.
The amount remaining to pay in total, including interest.
Breakdown of the interest applied to the loan. With OF Brazil, we highly recommend using the information in interest_rate_data
for in-depth information.
Non-nullable: A value must be returned by Brazil's open finance network.
The name of the type of interest rate applied to the loan.
Note: For OFDA Brazil, we recommend you use the interest_date_data.tax_type
parameter.
The period that the interest is applied to the loan.
Non-nullable: A value must be returned by Brazil's open finance network.
The interest rate (in percent or currency value).
Note: For OFDA Brazil, we recommend you use the interest_date_data.pre_fixed_rate
and interest_date_data.post_fixed_rate
parameter.
Detailed information regarding the interest rate.
The type of interest rate tax. We return one of the following values:
NOMINAL
EFFECTIVE
Non-nullable: A value must be returned by Brazil's open finance network.
The type of interest rate. We return one of the following values:
SIMPLE
COMPOUND
Non-nullable: A value must be returned by Brazil's open finance network.
The period that the interest is applied to the loan.
Non-nullable: A value must be returned by Brazil's open finance network.
The base calculation for the interest rate.
Non-nullable: A value must be returned by Brazil's open finance network.
The reference index rate. We return one of the following values:
WITHOUT_INDEX_TYPE
PRE_FIXED
POST_FIXED
FLOATING
INDEXED_PRICE
RURAL_CREDIT
OTHER_INDEX
Non-nullable: A value must be returned by Brazil's open finance network.
The subtype of the reference index rate.
Additional information regarding the reference index rate.
The pre-fixed percentage rate of the interest rate.
Non-nullable: A value must be returned by Brazil's open finance network.
The post-fixed percentage rate of the interest rate.
Non-nullable: A value must be returned by Brazil's open finance network.
Breakdown of the fees applied to the loan.
Note: This field is not applicable for OF Brazil and will return null.
The total value of the fee. Same currency as the loan.
The fee name.
Non-nullable: A value must be returned by Brazil's open finance network if the
fees
field is available.
The fee code.
Non-nullable: A value must be returned by Brazil's open finance network if the
fees
field is available.
Indicates the type of charge. We return one of the following values:
SINGLE
PER_INSTALLMENT
Non-nullable: A value must be returned by Brazil's open finance network if the
fees
field is available.
Billing method, as agreed upon with the institution. We return one of the following values:
MINIMUM
MAXIMUM
FIXED
PERCENTAGE
Non-nullable: A value must be returned by Brazil's open finance network if the
fees
field is available.
Details regarding any loan collaterals that the individual or business supplied.
The type of collateral, as defined by the institution.
Non-nullable: A value must be returned by Brazil's open finance network if the
collaterals
field is available.
The subtype of the collateral, as defined by the institution.
Non-nullable: A value must be returned by Brazil's open finance network if the
collaterals
field is available.
The three-letter currency code (ISO-4217).
Non-nullable: A value must be returned by Brazil's open finance network if the
collaterals
field is available.
Detailed information regarding any balloon payments for the loan, if applicable.
The frequency of contracted installment payments, as defined when the contract was first signed. We return one of the following:
DAY
WEEK
MONTH
YEAR
NO_DEADLINE_REMAINING
null
The frequency that the installments are paid. We return one of the following values:
IRREGULAR
WEEKLY
FORTNIGHTLY
MONTHLY
BIMONTHLY
QUARTERLY
BIANNUALLY
ANNUALLY
OTHER
Non-nullable: A value must be returned by Brazil's open finance network.
Additional information regarding the installment_frequency
.
The date when the first installment of the loan is to be paid, in YYYY-MM-DD
format.
The total number of installments required to pay the loan.
The number of installments left to pay.
The number of installments already paid.
The number of installments that are overdue.
An array of dates when the loan was disbursed.
The date that the loan was settled, in YYYY-MM-DD
format.
The date when the loan contract was signed, in YYYY-MM-DD
format.
Non-nullable: A value must be returned by Brazil's open finance network.
The date when the loan is expected to be completed, in YYYY-MM-DD
format.
The frequency of the remaining contracted installment payments, as defined when the contract was first signed. We return one of the following:
DAY
WEEK
MONTH
YEAR
NO_DEADLINE_REMAINING
null
The total number of installments remaining on the loan.
The loan amortization schedule.
Non-nullable: A value must be returned by Brazil's open finance network.
Additional information regarding the amortization_schedule
.
The ID of the consignee of the loan.
The contract number of the loan, as given by the institution.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
Note: This field is not applicable for OF Brazil and will return null.
{ "id": "0d3ffb69-f83b-456e-ad8e-208d0998d71d", "link": "30cb4806-6e00-48a4-91c9-ca55968576c8", "institution": { "name": "erebor_mx_retail", "type": "bank" }, "collected_at": "2022-02-09T08:45:50.406032Z", "created_at": "2022-02-09T08:45:50.406032Z", "last_accessed_at": "2021-03-09T10:28:40.000Z", "category": "CHECKING_ACCOUNT", "balance_type": "ASSET", "overdraft": { "arranged": 5000.5, "used": 1000.5, "unarranged": 300.1 }, "type": "STANDARD_NACIONAL", "subtype": "FINANCIAMENTO_HABITACIONAL_SFH", "name": "Cuenta Perfiles- M.N. - MXN-666", "number": "4057068115181", "agency": "6272", "check_digit": "7", "balance": { "current": 5874.13, "available": 5621.12, "blocked": 60.32, "automatically_invested": 131.5 }, "currency": "BRL", "public_identification_name": "AGENCY/ACCOUNT", "public_identification_value": "0444/45722-0", "internal_identification": "92792126019929279212650822221989319252576", "credit_data": { "collected_at": "2022-02-09T08:45:50.406032Z", "credit_limit": 192000.9, "limits": [ … ], "cutting_date": "2019-12-11", "minimum_payment": 2400.3, "network": "MASTERCARD", "network_additional_info": "It's an orange card.", "cards": [ … ], "next_payment_date": null, "no_interest_payment": null, "interest_rate": null, "monthly_payment": null, "last_payment_date": null }, "loan_data": { "collected_at": "2022-02-09T08:45:50.406032Z", "loan_code": "92792126019929279212650822221989319252576", "contract_amount": 202000, "total_effective_cost": 209000, "loan_type": "HOME_EQUITY", "outstanding_balance": 182000, "interest_rates": [ … ], "fees": [ … ], "contracted_charges": [ … ], "collaterals": [ … ], "balloon_payments": [ … ], "installments_contract_term_frequency": "MONTH", "installment_frequency": "MONTHLY", "installment_frequency_info": "Both the term and requency are the same.", "first_installment_due_date": "2020-03-01", "number_of_installments_total": 60, "number_of_installments_outstanding": 48, "number_of_installments_paid": 32, "number_of_installments_past_due": 2, "disbursement_dates": [ … ], "settlement_date": "2021-09-23", "contract_start_date": "2020-03-01", "contract_end_date": "2027-10-01", "contract_remaining_frequency": "MONTH", "contract_remaining_total": 20, "amortization_schedule": "SEM_SISTEMA_AMORTIZACAO", "amortization_schedule_info": "No need for a schedule.", "consignee_id": "60500998000135", "contract_number": "1324926521496", "monthly_payment": null, "principal": null, "payment_day": null, "outstanding_principal": null, "credit_limit": null, "last_period_balance": null, "interest_rate": null, "limit_day": null, "cutting_day": null, "cutting_date": null, "last_payment_date": null, "no_interest_payment": null }, "funds_data": null }