> ## Documentation Index > Fetch the complete documentation index at: https://docs.spritz.finance/llms.txt > Use this file to discover all available pages before exploring further. # Complete bank account linking > Completes the Plaid Link flow by exchanging the public token, retrieving account details, and storing the linked bank accounts. ## OpenAPI ````yaml https://platform.spritz.finance/openapi.json post /v1/bank-accounts/link-complete openapi: 3.0.3 info: title: Spritz Finance API version: 1.0.0 description: API for the Spritz Finance platform with RFC 9457 error handling servers: - url: https://platform.spritz.finance description: Production - url: https://sandbox.spritz.finance description: Sandbox security: [] tags: - name: Users description: User management endpoints - name: Bank Accounts description: Manage bank accounts for off-ramp destinations - name: Bills description: Manage bill pay accounts - name: Cards description: Spritz-issued debit cards - name: Auto-Ramp Accounts description: Virtual bank accounts that automatically convert fiat deposits to crypto - name: Spritz App description: >- Endpoints used by the Spritz app and internal SDKs. Excluded from the public partner spec. paths: /v1/bank-accounts/link-complete: post: tags: - Bank Accounts summary: Complete bank account linking description: >- Completes the Plaid Link flow by exchanging the public token, retrieving account details, and storing the linked bank accounts. operationId: postV1Bank-accountsLink-complete requestBody: required: true content: application/json: schema: type: object properties: publicToken: description: Public token returned by Plaid Link on success type: string accountIds: minItems: 1 description: IDs of the accounts the user selected in Plaid Link type: array items: type: string institutionId: type: string institutionName: type: string required: - publicToken - accountIds application/x-www-form-urlencoded: schema: type: object properties: publicToken: description: Public token returned by Plaid Link on success type: string accountIds: minItems: 1 description: IDs of the accounts the user selected in Plaid Link type: array items: type: string institutionId: type: string institutionName: type: string required: - publicToken - accountIds multipart/form-data: schema: type: object properties: publicToken: description: Public token returned by Plaid Link on success type: string accountIds: minItems: 1 description: IDs of the accounts the user selected in Plaid Link type: array items: type: string institutionId: type: string institutionName: type: string required: - publicToken - accountIds responses: '200': description: Response for status 200 content: application/json: schema: type: object properties: bankAccounts: description: Bank accounts linked by this Plaid Link completion. type: array items: description: >- Bank account details. The `type` field indicates the account variant. anyOf: - description: US bank account response type: object properties: id: description: Unique identifier for the bank account type: string example: ba_abc123 status: description: Current status of the account anyOf: - type: string enum: - active - type: string enum: - pending - type: string enum: - inactive - type: string enum: - rejected example: active statusReason: description: >- Why the account is not usable, or null when no reason applies. anyOf: - type: string nullable: true enum: - account_invalid - type: string nullable: true enum: - account_closed - type: string nullable: true enum: - account_blocked example: account_invalid accountHolderName: description: Name of the account holder type: string example: John Doe institution: description: Financial institution details type: object properties: name: description: Name of the financial institution type: string example: Chase logo: description: URL to institution logo type: string example: https://example.com/chase-logo.png required: - name supportedRails: description: Payment rails available for this account type: array items: description: >- Fiat delivery rail. - `ach_standard`: ACH bank transfer, next business day. - `ach_same_day`: ACH same-day transfer, delivered same business day. - `rtp`: Real-time payment, seconds, 24/7. - `wire`: Wire transfer, same/next day. - `eft`: Electronic funds transfer, 1-2 business days. - `sepa`: SEPA transfer (EU), 1-2 business days. - `faster_payments`: UK Faster Payments, near-instant. - `push_to_card`: Push to debit card, minutes. - `bill_pay`: Bill payment rail. - `card_deposit`: Deposit to crypto card. anyOf: - type: string enum: - ach_standard - type: string enum: - ach_same_day - type: string enum: - rtp - type: string enum: - wire - type: string enum: - eft - type: string enum: - sepa - type: string enum: - faster_payments - type: string enum: - push_to_card - type: string enum: - bill_pay - type: string enum: - card_deposit example: ach_standard example: - ach_standard - rtp label: description: Friendly name for the account type: string example: Primary Checking createdAt: description: When the account was created format: date-time type: string fundingSourceId: type: string description: >- Associated opaque public funding source identifier, or null when no funding source exists for this bank account. nullable: true type: type: string enum: - us currency: type: string enum: - USD accountNumberLast4: description: Last 4 digits of account number type: string example: '6789' routingNumberLast4: description: Last 4 digits of routing number type: string example: '0021' accountSubtype: description: Type of bank account (checking or savings) anyOf: - type: string enum: - checking - type: string enum: - savings example: checking required: - id - status - statusReason - accountHolderName - supportedRails - createdAt - fundingSourceId - type - currency - accountNumberLast4 - routingNumberLast4 - description: Canadian bank account response type: object properties: id: description: Unique identifier for the bank account type: string example: ba_abc123 status: description: Current status of the account anyOf: - type: string enum: - active - type: string enum: - pending - type: string enum: - inactive - type: string enum: - rejected example: active statusReason: description: >- Why the account is not usable, or null when no reason applies. anyOf: - type: string nullable: true enum: - account_invalid - type: string nullable: true enum: - account_closed - type: string nullable: true enum: - account_blocked example: account_invalid accountHolderName: description: Name of the account holder type: string example: John Doe institution: description: Financial institution details type: object properties: name: description: Name of the financial institution type: string example: Chase logo: description: URL to institution logo type: string example: https://example.com/chase-logo.png required: - name supportedRails: description: Payment rails available for this account type: array items: description: >- Fiat delivery rail. - `ach_standard`: ACH bank transfer, next business day. - `ach_same_day`: ACH same-day transfer, delivered same business day. - `rtp`: Real-time payment, seconds, 24/7. - `wire`: Wire transfer, same/next day. - `eft`: Electronic funds transfer, 1-2 business days. - `sepa`: SEPA transfer (EU), 1-2 business days. - `faster_payments`: UK Faster Payments, near-instant. - `push_to_card`: Push to debit card, minutes. - `bill_pay`: Bill payment rail. - `card_deposit`: Deposit to crypto card. anyOf: - type: string enum: - ach_standard - type: string enum: - ach_same_day - type: string enum: - rtp - type: string enum: - wire - type: string enum: - eft - type: string enum: - sepa - type: string enum: - faster_payments - type: string enum: - push_to_card - type: string enum: - bill_pay - type: string enum: - card_deposit example: ach_standard example: - ach_standard - rtp label: description: Friendly name for the account type: string example: Primary Checking createdAt: description: When the account was created format: date-time type: string fundingSourceId: type: string description: >- Associated opaque public funding source identifier, or null when no funding source exists for this bank account. nullable: true type: type: string enum: - ca currency: type: string enum: - CAD accountNumberLast4: description: Last 4 digits of account number type: string example: '4567' institutionNumber: description: 3-digit institution number type: string example: '001' transitNumberLast3: description: Last 3 digits of transit number type: string example: '345' accountSubtype: description: Type of bank account (checking or savings) anyOf: - type: string enum: - checking - type: string enum: - savings example: checking required: - id - status - statusReason - accountHolderName - supportedRails - createdAt - fundingSourceId - type - currency - accountNumberLast4 - institutionNumber - transitNumberLast3 - description: UK bank account response type: object properties: id: description: Unique identifier for the bank account type: string example: ba_abc123 status: description: Current status of the account anyOf: - type: string enum: - active - type: string enum: - pending - type: string enum: - inactive - type: string enum: - rejected example: active statusReason: description: >- Why the account is not usable, or null when no reason applies. anyOf: - type: string nullable: true enum: - account_invalid - type: string nullable: true enum: - account_closed - type: string nullable: true enum: - account_blocked example: account_invalid accountHolderName: description: Name of the account holder type: string example: John Doe institution: description: Financial institution details type: object properties: name: description: Name of the financial institution type: string example: Chase logo: description: URL to institution logo type: string example: https://example.com/chase-logo.png required: - name supportedRails: description: Payment rails available for this account type: array items: description: >- Fiat delivery rail. - `ach_standard`: ACH bank transfer, next business day. - `ach_same_day`: ACH same-day transfer, delivered same business day. - `rtp`: Real-time payment, seconds, 24/7. - `wire`: Wire transfer, same/next day. - `eft`: Electronic funds transfer, 1-2 business days. - `sepa`: SEPA transfer (EU), 1-2 business days. - `faster_payments`: UK Faster Payments, near-instant. - `push_to_card`: Push to debit card, minutes. - `bill_pay`: Bill payment rail. - `card_deposit`: Deposit to crypto card. anyOf: - type: string enum: - ach_standard - type: string enum: - ach_same_day - type: string enum: - rtp - type: string enum: - wire - type: string enum: - eft - type: string enum: - sepa - type: string enum: - faster_payments - type: string enum: - push_to_card - type: string enum: - bill_pay - type: string enum: - card_deposit example: ach_standard example: - ach_standard - rtp label: description: Friendly name for the account type: string example: Primary Checking createdAt: description: When the account was created format: date-time type: string fundingSourceId: type: string description: >- Associated opaque public funding source identifier, or null when no funding source exists for this bank account. nullable: true type: type: string enum: - uk currency: type: string enum: - GBP accountNumberLast4: description: Last 4 digits of account number type: string example: '2345' sortCode: description: 6-digit sort code (not sensitive) type: string example: '108800' required: - id - status - statusReason - accountHolderName - supportedRails - createdAt - fundingSourceId - type - currency - accountNumberLast4 - sortCode - description: IBAN bank account response type: object properties: id: description: Unique identifier for the bank account type: string example: ba_abc123 status: description: Current status of the account anyOf: - type: string enum: - active - type: string enum: - pending - type: string enum: - inactive - type: string enum: - rejected example: active statusReason: description: >- Why the account is not usable, or null when no reason applies. anyOf: - type: string nullable: true enum: - account_invalid - type: string nullable: true enum: - account_closed - type: string nullable: true enum: - account_blocked example: account_invalid accountHolderName: description: Name of the account holder type: string example: John Doe institution: description: Financial institution details type: object properties: name: description: Name of the financial institution type: string example: Chase logo: description: URL to institution logo type: string example: https://example.com/chase-logo.png required: - name supportedRails: description: Payment rails available for this account type: array items: description: >- Fiat delivery rail. - `ach_standard`: ACH bank transfer, next business day. - `ach_same_day`: ACH same-day transfer, delivered same business day. - `rtp`: Real-time payment, seconds, 24/7. - `wire`: Wire transfer, same/next day. - `eft`: Electronic funds transfer, 1-2 business days. - `sepa`: SEPA transfer (EU), 1-2 business days. - `faster_payments`: UK Faster Payments, near-instant. - `push_to_card`: Push to debit card, minutes. - `bill_pay`: Bill payment rail. - `card_deposit`: Deposit to crypto card. anyOf: - type: string enum: - ach_standard - type: string enum: - ach_same_day - type: string enum: - rtp - type: string enum: - wire - type: string enum: - eft - type: string enum: - sepa - type: string enum: - faster_payments - type: string enum: - push_to_card - type: string enum: - bill_pay - type: string enum: - card_deposit example: ach_standard example: - ach_standard - rtp label: description: Friendly name for the account type: string example: Primary Checking createdAt: description: When the account was created format: date-time type: string fundingSourceId: type: string description: >- Associated opaque public funding source identifier, or null when no funding source exists for this bank account. nullable: true type: type: string enum: - iban currency: description: Fiat currency code anyOf: - type: string enum: - USD - type: string enum: - CAD - type: string enum: - EUR - type: string enum: - GBP example: USD ibanLast4: description: Last 4 characters of IBAN type: string example: '3000' bic: description: Bank Identifier Code type: string example: COBADEFFXXX required: - id - status - statusReason - accountHolderName - supportedRails - createdAt - fundingSourceId - type - currency - ibanLast4 required: - bankAccounts '401': description: Response for status 401 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string example: urn:problem-type:auth:unauthorized title: description: A short, human-readable summary of the problem type type: string example: Unauthorized status: description: The HTTP status code type: number example: 401 detail: description: A human-readable explanation specific to this occurrence type: string example: Bearer token required instance: description: A URI reference that identifies the specific occurrence type: string realm: description: The authentication realm type: string example: API scope: description: The required scope for this resource type: string example: read:users required: - title - status additionalProperties: false '500': description: Response for status 500 content: application/json: schema: type: object properties: type: default: about:blank description: A URI reference that identifies the problem type type: string example: urn:problem-type:auth:unauthorized title: description: A short, human-readable summary of the problem type type: string example: Unauthorized status: description: The HTTP status code type: number example: 400 detail: description: A human-readable explanation specific to this occurrence type: string instance: description: A URI reference that identifies the specific occurrence type: string example: /errors/1234567890 code: description: >- Machine-readable cause, present when exactly one thing failed. Branch on this, never on `detail`, which is human-facing copy and may change. For deposit limits the vocabulary matches the `reason` values the limits API returns pre-flight. type: string example: transaction_limit field: description: The offending request field, present alongside `code`. type: string example: amountUsd retryable: description: >- Whether retrying the same request later may succeed without changing its inputs. type: boolean example: true required: - title - status additionalProperties: false security: - bearerAuth: [] - integratorJwt: [] - hmacAuth: [] integratorKey: [] timestamp: [] components: securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT description: Cognito JWT token for regular user authentication integratorJwt: type: http scheme: bearer bearerFormat: JWT description: >- Integrator JWT token (prefix: spr_) for frontend integrator authentication. Obtained via token exchange endpoint. hmacAuth: type: apiKey in: header name: X-Signature description: >- HMAC signature authentication for backend integrators. **Required Headers:** - X-Integrator-Key: Integrator API key (format: int_...) - X-Signature: HMAC signature (format: sha256={hex}) - X-Timestamp: Unix timestamp in milliseconds - Authorization: Bearer {user-api-key} **Signature Algorithm:** HMAC-SHA256 **Signature Format:** {timestamp}.{METHOD}.{path}.{bodyHash} - timestamp: Unix timestamp in milliseconds - METHOD: HTTP method in UPPERCASE (GET, POST, etc.) - path: Request path (e.g., /v1/transactions) - bodyHash: SHA256 hex digest of request body (empty string if no body) **Timestamp Tolerance:** ±5 minutes (300 seconds) **Example:** For POST /v1/transactions with body {"amount":100} and timestamp 1234567890000: Payload: 1234567890000.POST./v1/transactions.{sha256(body)} Signature: sha256=abc123... integratorKey: type: apiKey in: header name: X-Integrator-Key description: 'Integrator API key (format: int_...) used with HMAC authentication' timestamp: type: apiKey in: header name: X-Timestamp description: >- Unix timestamp in milliseconds for replay attack prevention. Must be within 5 minutes of server time. ````