{
"id": "cde25bb1-5cf4-4544-9df8-04212a781e1b",
"user": "01975b3b-5ba6-3ec1-2148-f595b6d92614",
"reference_id": "cde25bb1-5cf4-4544-9df8-04212a781e1b",
"generated_at": "2025-06-10T20:39:35.000Z",
"created_at": "2025-06-10T20:39:35.000Z",
"type": "voai",
"status": "generated",
"file_url": "www.argyle.com/storagename/pdf",
"json_url": "www.argyle.com/storagename/json",
"accounts": [],
"last_synced_at": null,
"external_id": null,
"source": "open-banking",
"metadata": {
"origin_report_id": "5u6fx59dnw4b",
"bank_accounts_requested": [
"8057637863"
],
"from_date": "1970-01-19T17:30:50.000Z",
"report_custom_fields": [
{
"label": "loanID",
"value": "12345",
"shown": true
}
],
"income_stream_confidence_minimum": 50
}
}Banking Reports
Banking Reports
Generate asset and income reports based on bank data.
Example reports:
Verification of Assets (VOA) — PDF and JSON
Verification of Assets (VOA) — PDF and JSON
PDFReport PDF
{
"id": "m22kz9tzmz3t",
"type": "voa",
"constraints": {
"accounts": null,
"from_date": null,
"report_custom_fields": null,
"show_nsf": null
},
"status": "success",
"assets": {
"type": null,
"available_balance": 18349.6,
"current_balance": 22327.3,
"two_month_average": 21995.27,
"six_month_average": null,
"beginning_balance": 20942.02
},
"consolidated_available_balance": 18349.6,
"consumer": "eed152a28a1ecd78c0ff401de123faf3",
"consumer_ssn": "6789",
"created_date": "2025-06-10T18:57:22.000Z",
"user": "01975b33-16d0-2c9b-8cd1-85e58e80248c",
"customer_type": "testing",
"days": 61,
"dispute_statement": null,
"end_date": "2025-06-10T18:57:22.000Z",
"end_user": null,
"institutions": [
{
"accounts": [
{
"aggregation_status_code": 0,
"asset": {
"type": "savings",
"current_balance": 22327.3,
"two_month_average": 21995.27,
"six_month_average": null,
"beginning_balance": 20942.02
},
"available_balance": null,
"average_monthly_balance": 21978.28,
"balance": 22327.3,
"balance_date": "2025-06-10T18:57:25.000Z",
"details": {
"interest_margin_balance": null,
"available_cash_balance": null,
"vested_balance": null,
"current_loan_balance": null,
"available_balance_amount": 18349.6,
"margin_balance": null,
"current_balance": null
},
"id": 8057635035,
"income_streams": null,
"name": "Savings",
"number": "2222",
"owner_address": "123 FAKE STREET OGDEN, UT 84401",
"owner_name": "HOMER LOANSEEKER",
"position": null,
"tot_number_days_since_most_recent_insufficient_funds_fee_debit_tx_account": 0,
"tot_number_insufficient_funds_fee_debit_tx_account": 0,
"tot_number_insufficient_funds_fee_debit_tx_over2_months_account": null,
"transactions": [
{
"id": 28483686056,
"amount": 501.68,
"posted_date": "2025-05-19T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686184,
"amount": 203.82,
"posted_date": "2025-05-14T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686144,
"amount": -100,
"posted_date": "2025-05-13T12:00:00.000Z",
"description": "Home Banking Transfer Withdrawal",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer withdrawal",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686110,
"amount": -250,
"posted_date": "2025-05-13T12:00:00.000Z",
"description": "Home Banking Transfer Withdrawal",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer withdrawal",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686071,
"amount": 107.81,
"posted_date": "2025-05-08T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686175,
"amount": 25.69,
"posted_date": "2025-04-30T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686139,
"amount": -145,
"posted_date": "2025-04-29T12:00:00.000Z",
"description": "Home Banking Transfer Withdrawal",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer withdrawal",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686102,
"amount": 18.24,
"posted_date": "2025-04-24T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686066,
"amount": 100,
"posted_date": "2025-04-24T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686115,
"amount": 22.81,
"posted_date": "2025-04-17T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686079,
"amount": 500.23,
"posted_date": "2025-04-15T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686111,
"amount": 400,
"posted_date": "2025-04-14T12:00:00.000Z",
"description": "Transfer to SAVINGS",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "transfer",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
}
],
"type": "savings"
}
],
"id": 102168,
"name": "FinBank Profiles - B",
"url_home_app": "http://www.finicity.com"
}
],
"portfolio": "1au39wv4bn23-1-port",
"request_id": "zpe49xbhyd",
"requester_name": "Argyle Systems",
"seasoned": false,
"start_date": "2025-04-10T18:57:22.000Z",
"title": "Mastercard Open Banking Verification of Assets"
}
Verification of Income (VOI) — PDF and JSON
Verification of Income (VOI) — PDF and JSON
PDFReport PDF
{
"id": "bdmczjhxc8vj-voi",
"type": "voi",
"constraints": {
"accounts": null,
"from_date": "2024-09-03T23:03:00.000Z",
"report_custom_fields": [
{
"label": "loanID",
"value": "12345",
"shown": true
}
],
"show_nsf": null,
"income_stream_confidence_minimum": 50
},
"status": "success",
"portfolio": "91k0ba5978h5-1-port",
"errors": null,
"consumer": "8859a004ff2b977a7821f74aa938950d",
"consumer_ssn": "0000",
"created_date": "2026-09-03T23:03:00.000Z",
"user": "01a06982-222f-ed7d-a569-71dc2680660d",
"customer_type": "testing",
"days": 730,
"dispute_statement": null,
"end_date": "2026-09-03T23:03:00.000Z",
"end_user": null,
"request_id": "4bswvfqtuy",
"requester_name": "Argyle Systems",
"seasoned": true,
"start_date": "2024-09-03T23:03:00.000Z",
"title": "Mastercard Open Banking Verification of Income",
"income": [
{
"confidence_type": "HIGH",
"income_estimate": {
"estimated_gross_annual": 115731,
"net_annual": 81703.67,
"projected_gross_annual": 130005,
"projected_net_annual": 89052.02,
"average_monthly_net": 6808.64,
"average_monthly_gross": 9644.25
},
"net_monthly": [
{
"month": "2024-09-01T06:00:00.000Z",
"net": 1757.44,
"gross": 2159.57
},
{
"month": "2024-10-01T06:00:00.000Z",
"net": 6544.43,
"gross": 8041.88
},
{
"month": "2024-11-01T06:00:00.000Z",
"net": 3620.25,
"gross": 4448.62
},
{
"month": "2024-12-01T07:00:00.000Z",
"net": 5825.7,
"gross": 7158.7
},
{
"month": "2025-01-01T07:00:00.000Z",
"net": 4737.91,
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},
{
"month": "2025-02-01T07:00:00.000Z",
"net": 5650.03,
"gross": 6942.83
},
{
"month": "2025-03-01T07:00:00.000Z",
"net": 3978.64,
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},
{
"month": "2025-04-01T06:00:00.000Z",
"net": 3499.65,
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},
{
"month": "2025-05-01T06:00:00.000Z",
"net": 6544.43,
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},
{
"month": "2025-06-01T06:00:00.000Z",
"net": 4174.35,
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},
{
"month": "2025-07-01T06:00:00.000Z",
"net": 5271.53,
"gross": 6477.73
},
{
"month": "2025-08-01T06:00:00.000Z",
"net": 5743.67,
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},
{
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"net": 11304.74,
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},
{
"month": "2025-10-01T06:00:00.000Z",
"net": 11373,
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},
{
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"net": 6339.68,
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},
{
"month": "2025-12-01T07:00:00.000Z",
"net": 8156.93,
"gross": 10023.34
},
{
"month": "2026-01-01T07:00:00.000Z",
"net": 6472.38,
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},
{
"month": "2026-02-01T07:00:00.000Z",
"net": 5954.44,
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},
{
"month": "2026-03-01T07:00:00.000Z",
"net": 7413.01,
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},
{
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"net": 5100.11,
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},
{
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"net": 5944.8,
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},
{
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"net": 6818.97,
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},
{
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"net": 6873.8,
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},
{
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"net": 6314.3,
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},
{
"month": "2026-09-01T06:00:00.000Z",
"net": 4942.25,
"gross": 6073.1
}
]
},
{
"confidence_type": "MODERATE",
"income_estimate": {
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"net_annual": 83927.34,
"projected_gross_annual": 130005,
"projected_net_annual": 89052.02,
"average_monthly_net": 6993.95,
"average_monthly_gross": 9871.92
},
"net_monthly": [
{
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"net": 4115.61,
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},
{
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},
{
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},
{
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"net": 5825.7,
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},
{
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},
{
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"net": 5650.03,
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},
{
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"net": 3978.64,
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},
{
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"net": 5857.82,
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},
{
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"net": 6544.43,
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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"net": 5954.44,
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},
{
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"net": 9636.68,
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},
{
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"net": 5100.11,
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},
{
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"net": 5944.8,
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},
{
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"net": 6818.97,
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},
{
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"net": 6873.8,
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},
{
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},
{
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"net": 4942.25,
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}
]
},
{
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"income_estimate": {
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},
"net_monthly": [
{
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},
{
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},
{
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"net": 3620.25,
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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"net": 8156.93,
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},
{
"month": "2026-01-01T07:00:00.000Z",
"net": 6472.38,
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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}
]
}
],
"institutions": [
{
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{
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"average_monthly_balance": -100455.89,
"balance": 9357.24,
"currency": "USD",
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"id": 9034310991,
"income_streams": [
{
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"cadence": {
"days": 15,
"start_date": "2024-09-15T12:00:00.000Z",
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},
"confidence": 100,
"estimate_inclusion": "HIGH",
"estimated_gross_annual": 70375,
"id": "bdmczjhxc8vj-voi1",
"income_stream_months": 25,
"name": "rocket surgery",
"net_annual": 47662.79,
"net_monthly": [
{
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},
{
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},
{
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},
{
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},
{
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"net": 3499.43,
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},
{
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},
{
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},
{
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"net": 3499.43,
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},
{
"month": "2025-05-01T06:00:00.000Z",
"net": 3544.43,
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},
{
"month": "2025-06-01T06:00:00.000Z",
"net": 4053.53,
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},
{
"month": "2025-07-01T06:00:00.000Z",
"net": 3499.36,
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},
{
"month": "2025-08-01T06:00:00.000Z",
"net": 3344.44,
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}
]
}
Verification of Assets & Income (VOAI) — PDF and JSON
Verification of Assets & Income (VOAI) — PDF and JSON
PDFReport PDF
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"category": "Credit Card Payment"
},
{
"id": 17620349377,
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"memo": "INTERNET PAYMENT",
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"normalized_payee": "Citi",
"institution_transaction": "0000000000",
"category": "Credit Card Payment"
},
{
"id": 17620349337,
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"posted_date": "2025-09-02T12:00:00.000Z",
"description": "Mr Cooper",
"memo": "ACH DEBIT",
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"normalized_payee": "Mr. Cooper",
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"category": "Mortgage & Rent"
},
{
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"normalized_payee": "KLM",
"institution_transaction": "0000000000",
"category": "Uncategorized"
},
{
"id": 17620349155,
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"description": "PAYMENTREC VERIZON",
"memo": "RECURRING INTERNET PAYMENT",
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"normalized_payee": "Verizon",
"institution_transaction": "0000000000",
"category": "Mobile Phone"
},
{
"id": 17620349200,
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"memo": "CH CREDIT",
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"category": "Transfer"
},
{
"id": 17620349289,
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"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349247,
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"memo": "CURRING INTERNET PAYMENT",
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"normalized_payee": "Affirm",
"institution_transaction": "0000000000",
"category": "Loan Payment"
},
{
"id": 17620349171,
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"description": "Payment ATT",
"memo": "DEBIT",
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"normalized_payee": "AT&T",
"institution_transaction": "0000000000",
"category": "Mobile Phone"
},
{
"id": 17620349217,
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"description": "ACCOUNT NUMBER *** PREAUT",
"memo": "HORIZED TRANSFER",
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"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349261,
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"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
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"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349315,
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"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349359,
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"posted_date": "2025-08-15T12:00:00.000Z",
"description": "KLM LTD",
"memo": "ACH CREDIT",
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"normalized_payee": "KLM",
"institution_transaction": "0000000000",
"category": "Uncategorized"
},
{
"id": 17620349405,
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"description": "INST XFER PAYPAL",
"memo": "ERNET PAYMENT",
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"normalized_payee": "Ernet",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349451,
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"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
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"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349486,
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"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349223,
"amount": -339.19,
"posted_date": "2025-08-08T12:00:00.000Z",
"description": "KMFUSA.com",
"memo": "ACH DEBIT",
"investment_transaction_type": null,
"normalized_payee": "Kia Finance",
"institution_transaction": "0000000000",
"category": "Auto Payment"
},
{
"id": 17620349176,
"amount": -266.52,
"posted_date": "2025-08-08T12:00:00.000Z",
"description": "PAYMENT Heskein Light",
"memo": "ACH DEBIT",
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Utilities"
},
{
"id": 17620349462,
"amount": -101.0,
"posted_date": "2025-08-05T12:00:00.000Z",
"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349153,
"amount": 303.0,
"posted_date": "2025-08-04T12:00:00.000Z",
"description": "MOBILE DEPOSIT",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 17620349238,
"amount": -1493.79,
"posted_date": "2025-08-02T12:00:00.000Z",
"description": "Mr Cooper",
"memo": "ACH DEBIT",
"investment_transaction_type": null,
"normalized_payee": "Mr. Cooper",
"institution_transaction": "0000000000",
"category": "Mortgage & Rent"
},
{
"id": 17620349195,
"amount": -184.9,
"posted_date": "2025-08-02T12:00:00.000Z",
"description": "PAYMENTREC VERIZON",
"memo": "RECURRING INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Verizon",
"institution_transaction": "0000000000",
"category": "Mobile Phone"
},
{
"id": 17620349340,
"amount": -3289.82,
"posted_date": "2025-08-01T12:00:00.000Z",
"description": "INST XFER PAYPAL",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "PayPal",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349291,
"amount": -50.5,
"posted_date": "2025-08-01T12:00:00.000Z",
"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349376,
"amount": 4084.47,
"posted_date": "2025-07-29T12:00:00.000Z",
"description": "KLM LTD",
"memo": "ACH CREDIT",
"investment_transaction_type": null,
"normalized_payee": "KLM",
"institution_transaction": "0000000000",
"category": "Uncategorized"
},
{
"id": 17620349482,
"amount": -303.0,
"posted_date": "2025-07-25T12:00:00.000Z",
"description": "CHECK #304",
"memo": "#304",
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Check"
},
{
"id": 17620349465,
"amount": 505.0,
"posted_date": "2025-07-25T12:00:00.000Z",
"description": "MOBILE DEPOSIT",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 17620349438,
"amount": -139.6,
"posted_date": "2025-07-25T12:00:00.000Z",
"description": "AFFIRM PAY",
"memo": "CURRING INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Affirm",
"institution_transaction": "0000000000",
"category": "Loan Payment"
},
{
"id": 17620349426,
"amount": 101.53,
"posted_date": "2025-07-25T12:00:00.000Z",
"description": "REWARD CITICARDS",
"memo": "<> DEUTSCH ACH CREDIT",
"investment_transaction_type": null,
"normalized_payee": "Citi",
"institution_transaction": "0000000000",
"category": "Income"
},
{
"id": 17620349399,
"amount": -3125.5,
"posted_date": "2025-07-25T12:00:00.000Z",
"description": "EPAY CHASE CREDIT CRD",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "EPAY Systems",
"institution_transaction": "0000000000",
"category": "Credit Card Payment"
},
{
"id": 17620349157,
"amount": -273.03,
"posted_date": "2025-07-25T12:00:00.000Z",
"description": "PAYMENT CITI CARD ONLINE",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Citi",
"institution_transaction": "0000000000",
"category": "Credit Card Payment"
},
{
"id": 17620349172,
"amount": -124.93,
"posted_date": "2025-07-22T12:00:00.000Z",
"description": "Payment ATT",
"memo": "DEBIT",
"investment_transaction_type": null,
"normalized_payee": "AT&T",
"institution_transaction": "0000000000",
"category": "Mobile Phone"
},
{
"id": 17620349215,
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"posted_date": "2025-07-20T12:00:00.000Z",
"description": "CASHOUT VENMO",
"memo": "CH CREDIT",
"investment_transaction_type": null,
"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349271,
"amount": -50.5,
"posted_date": "2025-07-19T12:00:00.000Z",
"description": "ACCOUNT NUMBER *** PREAUT",
"memo": "HORIZED TRANSFER",
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349317,
"amount": 4084.45,
"posted_date": "2025-07-15T12:00:00.000Z",
"description": "KLM LTD",
"memo": "ACH CREDIT",
"investment_transaction_type": null,
"normalized_payee": "KLM",
"institution_transaction": "0000000000",
"category": "Uncategorized"
},
{
"id": 17620349403,
"amount": -139.05,
"posted_date": "2025-07-14T12:00:00.000Z",
"description": "CHECK #303",
"memo": "#303",
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Check"
},
{
"id": 17620349358,
"amount": -202.0,
"posted_date": "2025-07-14T12:00:00.000Z",
"description": "INST XFER PAYPAL",
"memo": "RNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Rnet",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349443,
"amount": 961.32,
"posted_date": "2025-07-12T12:00:00.000Z",
"description": "MOBILE DEPOSIT",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 17620349329,
"amount": -15.45,
"posted_date": "2025-07-12T12:00:00.000Z",
"description": "INST XFER PAYPAL",
"memo": "ERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Ernet",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349461,
"amount": -3080.5,
"posted_date": "2025-07-08T12:00:00.000Z",
"description": "INST XFER PAYPAL",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "PayPal",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349418,
"amount": -128.75,
"posted_date": "2025-07-08T12:00:00.000Z",
"description": "Walt Fanduel Inc",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Fanduel",
"institution_transaction": "0000000000",
"category": "Entertainment"
},
{
"id": 17620349371,
"amount": -25.75,
"posted_date": "2025-07-08T12:00:00.000Z",
"description": "Walt Fanduel Inc",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Fanduel",
"institution_transaction": "0000000000",
"category": "Entertainment"
},
{
"id": 17620349151,
"amount": -11665.5,
"posted_date": "2025-07-07T12:00:00.000Z",
"description": "CHECK #302",
"memo": "#302",
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Check"
},
{
"id": 17620349336,
"amount": -625.84,
"posted_date": "2025-07-06T12:00:00.000Z",
"description": "PAYMENT CITI CARD ONLINE",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Citi",
"institution_transaction": "0000000000",
"category": "Credit Card Payment"
},
{
"id": 17620349292,
"amount": -339.19,
"posted_date": "2025-07-06T12:00:00.000Z",
"description": "KMFUSA.com",
"memo": "ACH DEBIT",
"investment_transaction_type": null,
"normalized_payee": "Kia Finance",
"institution_transaction": "0000000000",
"category": "Auto Payment"
},
{
"id": 17620349250,
"amount": -2308.55,
"posted_date": "2025-07-06T12:00:00.000Z",
"description": "EPAY CHASE CREDIT CRD",
"memo": "INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "EPAY Systems",
"institution_transaction": "0000000000",
"category": "Credit Card Payment"
},
{
"id": 17620349196,
"amount": -142.74,
"posted_date": "2025-07-06T12:00:00.000Z",
"description": "PAYMENT Heskein Light",
"memo": "ACH DEBIT",
"investment_transaction_type": null,
"normalized_payee": "No Entity Found",
"institution_transaction": "0000000000",
"category": "Utilities"
},
{
"id": 17620349378,
"amount": 0.01,
"posted_date": "2025-07-05T12:00:00.000Z",
"description": "Down National Democra <> D",
"memo": "ACH CREDIT",
"investment_transaction_type": null,
"normalized_payee": "Down National Democra",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 17620349263,
"amount": -1493.79,
"posted_date": "2025-07-05T12:00:00.000Z",
"description": "Mr Cooper",
"memo": "ACH DEBIT",
"investment_transaction_type": null,
"normalized_payee": "Mr. Cooper",
"institution_transaction": "0000000000",
"category": "Mortgage & Rent"
},
{
"id": 17620349396,
"amount": -151.5,
"posted_date": "2025-07-01T12:00:00.000Z",
"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
},
{
"id": 17620349351,
"amount": -184.9,
"posted_date": "2025-07-01T12:00:00.000Z",
"description": "PAYMENTREC VERIZON",
"memo": "RECURRING INTERNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Verizon",
"institution_transaction": "0000000000",
"category": "Mobile Phone"
},
{
"id": 17620349306,
"amount": -50.5,
"posted_date": "2025-07-01T12:00:00.000Z",
"description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
"memo": "RNET PAYMENT",
"investment_transaction_type": null,
"normalized_payee": "Venmo",
"institution_transaction": "0000000000",
"category": "Transfer"
}
],
"type": "checking"
}
],
"id": 102105,
"name": "FinBank Profiles - A",
"url_home_app": "http://www.finbank.com"
}
],
"request_id": "cc1e44a76e",
"requester_name": "Argyle Systems",
"seasoned": true,
"start_date": "2024-09-16T21:04:48.000Z",
"title": "Mastercard Open Banking Verification of Assets and Income - Transactions"
}
The report object
Report object.
Unique ID of the report object.
ID of the user associated with the report.
Report PDF identifier.
The type of report.
voa- Verification of Assetsvoi- Verification of Incomevoai- Verification of Assets and Income
Available options:
voa, voi, voai Progress of report generation.
generating- The report is being generated.generated- The report is ready to download.
Available options:
generating, generated Download link to the report PDF. Requires Argyle authentication headers.
Download link to the report in JSON. Requires Argyle authentication headers.
Not used in banking reports.
Not used in banking reports.
The external_id of the user, otherwise null.
The source of the report data.
Additional info.