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icon challenge

Industry Challenge

  • Complicated, slow, unreliable account opening
  • Broken API account connections
  • Multi-day account funding processes
  • Disparate financial data for rewards
  • Lack of data privacy and protection
icon solution

MX solution

  • Instant account verification (seconds, not days)
  • Direct OAuth connections (more secure and durable)
  • Direct ACH funding (token-based, pre validate in seconds)
  • Industry-leading data cleansing accuracy (better attribution)
  • Fully anonymized and storage-free data

Make Crypto Account Opening Easier

Enable consumers to connect and verify accounts seamlessly with Instant Account Verification that authenticates a user in seconds and only requires a simple 6 lines of code. With MX, 90% of bank accounts can be verified instantly with credentials alone.

Process Timeline
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Code Made Simple

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Create a User

Use this endpoint to create a new user. The API will respond with the newly-created user object if successful.

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Load a Widget

This endpoint allows partners to get a URL by passing the widget_type in the request body, as well as configuring it in several different ways. Partners may also pass an optional Accept-Language header.

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Receive Account Routing Number

This endpoint returns a list of account numbers associated with the specified account.

Endpoint:
POST /users
Request
Response 
curl -i -X POST 'https://int-api.mx.com/users' \
    -H 'Accept: application/vnd.mx.api.v1+json' \
    -H 'Content-Type: application/json' \
    -u 'client_id:api_key' \
    -d '{      
            "user": {        
            "email": "email@provider.com",
            "id": "My-Unique-ID",
            "is_disabled": false,
            "metadata": "{\"first_name\": \"Steven\", \"last_name\": \"Universe\"}"
            }
        }'
        
{
    "user": {  
        "email": "email@provider.com",
        "guid": "USR-d74cb14f-fd0a-449f-991b-e0362a63d9c6",
        "id": "My-Unique-ID",
        "is_disabled": false,
        "metadata": "{\"first_name\": \"Steven\", \"last_name\": \"Universe\"}"
    }
}
Endpoint:
POST /users/{user_guid}/widget_urls
Request
Response 
curl -i -X POST 'https://int-api.mx.com/users/USR-fa7537f3-48aa-a683-a02a-b18940482f54/widget_urls' \
    -H 'Accept: application/vnd.mx.api.v1+json' \
    -H 'Content-Type: application/json' \
    -H 'Accept-Language: en-US' \
    -u 'client_id:api_key' \
    -d '{      
            "widget_url": {        
            "color_scheme": "light",
            "current_institution_code": "chase",
            "current_institution_guid": "INS-f1a3285d-e855-b61f-6aa7-8ae575c0e0e9",
            "current_member_guid": "MBR-7c6f361b-e582-15b6-60c0-358f12466b4b",
            "disable_institution_search": false,
            "include_transactions": true,
            "is_mobile_webview": true,
            "mode": "aggregation",
            "ui_message_version": 4,
            "ui_message_webview_url_scheme": "mx",
            "update_credentials": false,
            "wait_for_full_aggregation": false,
            "widget_type": "connect_widget"
            }
        }'
        
{
    "widget_url": {  
        "type": "connect_widget",
        "url": "https://int-widgets.moneydesktop.com/md/connect/yxcdk7f1nb99jwApp34lA24m0AZ8rzprgmw17gm8z8h2AzjyAnd1rj42qfv42r3xnn07Amfwlg3j09hwp8bkq8tc5z21j33xjggmp2qtlpkz2v4gywfhfn31l44tx2w91bfc2thc58j4syqp0hgxcyvA4g7754hk7gjc56kt7tc36s45mmkdz2jqqqydspytmtr3dAb9jh6fkb24f3zkfpdjj0v77f0vmrtzvzxkmxz7dklsq8gd0gstkbhlw5bgpgc3m9mAtpAcr2w15gwy5xc4blgxppl42Avnm63291z3cyp0wm3lqgmvgzdAddct423gAdqxdlfx5d4mvc0ck2gt7ktqgks4vxq1pAy5",
        "user_id": "U-jeff-201709221210"
    }
}
Endpoint:
GET /users/{user_guid}/accounts/{account_guid}/account_numbers
Request
Response 
curl -i -X GET 'https://int-api.mx.com/users/USR-fa7537f3-48aa-a683-a02a-b18940482f54/accounts/ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1/account_numbers?page=1&records_per_page=10' \
    -H 'Accept: application/vnd.mx.api.v1+json' \
    -u 'client_id:api_key' \
    
{
    "account_numbers": [
        {    
        "account_guid": "ACT-06d7f44b-caae-0f6e-1384-01f52e75dcb1",
        "account_number": "10001",
        "guid": "ACN-8899832e-e5b4-42cd-aa25-bbf1dc889a8f",
        "institution_number": "123",
        "member_guid": "MBR-7c6f361b-e582-15b6-60c0-358f12466b4b",
        "routing_number": "68899990000000",
        "transit_number": "12345",
        "user_guid": "USR-fa7537f3-48aa-a683-a02a-b18940482f54"
        }
    ],
    "pagination": {  
        "current_page": 1,
        "per_page": 25,
        "total_entries": 1,
        "total_pages": 1
    }
}

Fund Crypto Accounts Faster

Connect to customers’ financial accounts and pre-validate their account balances in seconds for seamless payments without the credit card fees. Our solution instantly connects to 90% of domestic bank accounts, auto-routing to microdeposits for the 10% of the industry where instant verification isn't yet available.

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Anonymous, Storage-free Data

MX anonymously cleanses and enhances transactions and raw financial data to unlock its richness without storing anything on the platform.

Ready to Get Started?

From your first line of code to an enterprise platform, MX solutions are designed to scale alongside your business. Be ready for what comes next and give your customers the experience they expect.

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