Service status ·A8 Core™ · The Operating System for Financial Accounts ·The account operating system · API-first

A8Core™

API reference v1

Account types

Automatic Rollover IRAgated

29 C.F.R. § 2550.404a-2; $7,000 ceiling per SECURE 2.0 § 304

On this pageOverview Authority Parameters Example Eligible assets Rules

Slug	`automatic-rollover-ira`
Nature	`CustodialHolding` — Beneficial owner holds title; the institution holds possession. Off balance sheet.
Contributions	`NotApplicable`
Earnings	`TaxDeferred`
Contribution year	`NotApplicable`
Status	gated
Legacy code	`ARI` — ISCP import and statement templates only. Not identity, and not accepted by the API.

Required authority

An institution may open this account only if it satisfies every requirement group below. Within a group, any one authority suffices. Across groups, all must be satisfied.

Group	Any one of
Group 1	`IrsNonbankCustodian` or `Bank` or `StateTrustCompany`
Group 2	`Bank` or `StateTrustCompany` or `InsuredDepositoryInstitution`

Resolve availability at runtime with GET https://api.a8core.io/v1/account-types. Never hard-code it.

Create Account parameters

POSThttps://api.a8core.io/v1/accountsoperation: CreateAccount

Name	Type		Description
ProviderReferenceId	string	optional	Your internal reference. Used as the idempotency key.
ClientId	Guid	required	The A8 Core™ Client ID that owns the account.
AccountTypeCode	string	required	Must be `automatic-rollover-ira`.
InstitutionId	Guid	required	The institution holding the assets. It must hold every authority this type requires.
InvestmentId	long	optional	Links the account to a sponsor investment.

Example

POST https://api.a8core.io/v1/accounts

"ProviderReferenceId": "acct-10293",
"ClientId": "8fa2c1e4-5b6d-4f3a-9c2e-7d1a2b3c4d5e",
"AccountTypeCode": "automatic-rollover-ira",
"InstitutionId": "b4c1e770-9d33-4a02-91ef-2c6a8b5d0f14"

200 OK

"RequestId": 1736472901835,
"Status": 1,
"AccountId": "3c7b1f90-2a44-4e21-8d6c-9b0e5a1f7c22"

Errors

ErrorCode	Meaning
InstitutionNotAuthorizedForAccountType	The institution does not hold every authority this type requires.
ClientNotFound	No client matches the supplied ClientId.
MandatoryDistributionCeilingExceeded	Inbound distributions are capped at $7,000 (SECURE 2.0 § 304).

Eligible assets

The row below is the account-type dimension only. What this account may actually hold is the intersection of the account-type rule, the asset-class rule, any instrument predicates, and the institution’s authority asset scope.

●Permitted◐Conditional○Not permitted

Account family	Stocks & ETFs	Mutual funds	Bonds & fixed income	Cash & money market	Real estate	Private equity & venture	Private credit & notes	Precious metals	Digital assets	Stablecoins
Automatic Rollover IRA	Not permitted	Conditional	Not permitted	Permitted	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted

29 C.F.R. § 2550.404a-2(c)(3): principal preservation, liquidity

Instrument predicates

Class-level eligibility can say conditional. It cannot say what the condition is. These are attribute predicates on the instrument, stored in InstrumentEligibilityPredicate and evaluated continuously, not only at purchase.

Predicate	Requirement	Source
PrincipalPreservation	= true	29 C.F.R. § 2550.404a-2(c)(3)

Rules that govern this type

The safe harbor gates the provider, not just the asset. The IRA must be offered by a state or federally regulated financial institution.
Inbound mandatory distributions are capped at $7,000 (SECURE 2.0 § 304).
Investments must preserve principal, provide a reasonable rate of return, and maintain liquidity. Cash, an interest-bearing deposit, or a money-market or stable-value fund. Nothing else.