Atto Developer Documentation (all)

Integration

If the individual has connected their account using Atto Connect, you can use the GET /advanced-insights/v1/consents/{consentId}/consumer-financial-health endpoint to verify an individual's financial health.

Authentication

This API requires a bearer token using the api:advanced_insights scope. Also bear in mind that this API works only when data storage is enabled

Details

We are taking customers' current balance as a basis for the calculation. Current balance does not contain any Pending transactions and drawn Overdraft amount. However our API response contains available balance amount, which will include Pending transactions and drawn Overdraft amount if there are any.

• In case it is possible to get 365 days worth of data from the bank, then the service will return calculations for all available periods: lastThirtyDays, lastSixtyDays, lastNinetyDays, lastOneEightyDays, lastThreeSixtyDays.

• If data period is less than 365 days (for example 90 days), then service will return calculations for lastThirtyDays, lastSixtyDays and lastNinetyDays. Calculations for all other periods will be equal to lastNinetyDays.

• If the account has had no recent activity then some of the calculations will likely be zero. For example, if there have been no transactions within the past 30 days, then the Total Credit and Total Debit for the lastThirtyDays would be zero. The remaining values will be calculated based on the account balance amount.

• If data period is more than 365 days, then we will return all available periods up to lastThreeSixtyDays.

• To capture the most recent developments and account trends it is recommended to analyze each calculation over all time periods.