Account core. The financial-account domain model.
Every A8 Core™ product stands on one account model: 45 account types across five account natures, each with its own statutory context, asset eligibility, contribution rules, and lifecycle. Clients, entities, beneficiaries, and representatives are first-class records — not strings on a form.
Five account natures
Every account type is classified by what the record legally is — which drives ledger behavior, reporting, and controls.
Custodial Holding CustodialHolding
Assets held for a beneficial owner — brokerage, IRA, trust, and private-fund custody accounts.
Plan Holding PlanHolding
Employer- and plan-context accounts — solo 401(k), profit sharing, ESOP, PLESA.
Benefit Obligation BenefitObligation
Benefit accounts where the record is an obligation — FSA, HRA, LSA, commuter, COBRA.
Deposit Liability DepositLiability
Deposit-style records — checking, savings, money market, time deposits.
Servicing Record ServicingRecord
Accounts A8 Core™ services but does not hold — 529 servicing and similar arrangements.
What the core owns
The account core is the system of record for the account itself and everything that touches it.
Clients & entities
Individuals, joint owners, entities, trusts, and estates with reusable identity across accounts.
Account opening
Type-aware opening flows with eligibility, disclosures, and documentation by account type.
Lifecycle
Status transitions, restrictions, retitling, beneficiary changes, and closure with an audit trail.
Funding
Contributions, transfers, and rollovers with per-type limits and rule checks.
Asset eligibility
Per-type eligible-asset rules, applied at the account boundary before a position can exist.
Reference pages
Each of the 45 account types has a public reference page under API reference.
Built for regulated operators
The core produces the records an examiner, auditor, or acquirer asks for — by design, not by export script.
Model the account type
Table-per-type modeling with statutory citations captured alongside the schema.
Enforce at the boundary
Eligibility, contribution, and restriction rules run before a transaction posts.
Record the evidence
Every decision produces a compliance record tied to the account, actor, and time.
Build on the account operating system.
See how this module fits your institution’s account, custody, and operations model.