MX Platform API

Account Verification with Microdeposits

Verify ownership of a US bank account using microdeposits before initiating a higher-value transfer. The microdeposits endpoints initiate two small deposits, accept the user's verification amounts, and return a verified account status. This is the standard pattern lending and payroll products use to confirm that a user controls the destination account.

ACH Return Tracking

Track and reconcile ACH returns when payments fail to settle. The /ach_returns endpoints expose returns by GUID and let products create return records as they arrive from the originating bank. Finance teams use this to surface failed payments quickly and trigger recovery flows for the underlying transaction.

Transaction Categorization Overrides

Override default transaction categorization for a specific user or rule pattern. MX's enrichment automatically assigns categories like Groceries or Utilities, but users sometimes need custom buckets. The transaction rules endpoints let products define matchers and target categories that override the default mapping for that user's transactions.

AI Agent Personal Finance Assistant

Power a Jentic-driven agent that answers natural-language questions about a user's spending and balances. The agent searches Jentic for 'list user transactions', loads the relevant member endpoint, and aggregates results into the answer. Jentic injects the bearer or basic credentials at execution time so the agent never holds raw banking credentials.