Accounts & funding
Open accounts of any type, move money in and out, and read balances — all through one consistent set of operations.
The account lifecycle
An account belongs to a client and has a type, a status, and a balance. You create it, read it, and update mutable fields; money movement happens through dedicated operations that produce auditable transactions.
| Operation | Call | Notes |
|---|---|---|
| Create | POST https://api.a8core.io/v1/accounts | Opens an account of a given type for an existing client. |
| Read | GET https://api.a8core.io/v1/accounts/{AccountId} | Returns type, status, and current balance. |
| Update | PATCH https://api.a8core.io/v1/accounts/{AccountId} | Changes only the mutable fields you send. |
| Fund | POST https://api.a8core.io/v1/accounts/{AccountId}/fund | Deposits funds into the account. |
| Transact | POST https://api.a8core.io/v1/accounts/{AccountId}/transact | Posts fees, distributions, and other entries. |
Account types
The same operations open every type; the AccountType value selects the product. Retirement types carry tax-year semantics on contributions.
| Family | Examples |
|---|---|
| Retirement | Traditional, Roth, SEP, SIMPLE, Rollover IRA |
| Wealth & brokerage | Individual, Joint, Trust, Entity |
| Custody & private funds | Custodial, Fund-investor accounts |
Tax-year-sensitive deposits accept a TaxYear so retirement contributions land in the correct year.
Funding an account
Fund Account records a deposit. Supply the amount, currency, and payment method; add a TaxYear where it applies and a stable ProviderReferenceId so retries are safe. A8 Core™ funds accounts in real time across every rail — ACH (standard and same-day), wire (Fedwire), instant payments (RTP® and FedNow®), internal wallet transfers, and cards. See Real-time money movement for the full rail breakdown.
"Amount": 5000.00, "Currency": "USD", "PaymentMethodType": "ECheck", "TaxYear": 2026, "ProviderReferenceId": "fund-90233"
Other money movement
Use Transact for non-deposit entries — fees, distributions, and adjustments — by setting an EntryType. Withdrawals, transfers, rollovers, recharacterizations, and Roth conversions are modeled as directives with their own lifecycle; each emits a webhook when it posts (see Webhooks & events).
Reading balances and status
Get Account returns the current AccountBalance and Status. Rather than polling, subscribe to account.updated and the money-movement events to learn the moment a balance changes.
Money movement is asynchronous. A funding call that returns Status: 1 means the directive was accepted — the deposit.posted webhook tells you it settled.
Where to next
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