The glossary contains terms that are commonly used throughout this documentation.

Access Token

This represents and enables authorized access to data provided by an OAuth 2.0-based API. Must be kept confidential.


An account refers to one of a user’s banking accounts (including types such as Checking, Savings, and Loans).


This acronym refers to an application programming interface.


A banking system that provides basic functionality (including general ledger, transactions, and transfers) for financial institutions.

Financial Institution

A bank or credit union.

Identity Token

This represents authenticated identity information about a user in an OpenID Connect-based API.


This acronym refers to JavaScript Object Notation, the data-interchange format used in the API.


The OAuth 2.0 industry standard allows users to delegate scoped access to third parties who wish to act on the user’s behalf.

OpenID Connect (OIDC)

The OpenID Connect (OIDC) industry standard is an identity layer built on top of OAuth 2.0 that provides authenticated information about the user to third party apps.


This acronym refers to Representational state transfer, the software architectural style used by the API.