Overview

Envestnet | Yodlee APIs (“Yodlee APIs”) are flexible RESTful APIs that allow developers to access personal financial data from the Envestnet | Yodlee financial data platform that can be used to develop various financial management applications. Yodlee API 1.1 is designed to work with FastLink 3.0.

Yodlee APIs support the entire lifecycle of building a financial data application, from searching for financial institutions, to adding/updating accounts, aggregating/retrieving data and receiving data change notifications. Yodlee APIs support 90% of the top volume sites in the United States, United Kingdom, Australia, and India.

Envestnet | Yodlee API 1.1 is built on the concept of datasets (see Domain Concepts). A dataset is a related set of data attributes. One or more datasets (or selected attributes) may be retrieved in order to support a particular use case. For example, a customer with a Credit Lending product may want to offer credit after determining a user’s financial health (e.g. balances and recent transactions) and verifying the ownership of the user’s accounts. Retrieving data attributes such as latest account balance, transaction and holdings can help in validating the user’s financial health, while the full account number, full account holder name(s), bank transfer code, etc., can help in successfully verifying ownership of the consumer's account.  These attributes can be obtained by retrieving the Basic Aggregation Data and Account Profile Datasets.

Dataset Status and Request Tracking

The APIs provide the flexibility to request specific datasets or attributes. You can track the status of requests on a per dataset level, which makes the retrieval of data associated to specific requests flexible and simple.

Since each data retrieval status can be tracked for each dataset, developers can build better, more nuanced user experiences. For example, the developer can setup several checkpoints on the data retrieval to build a UI experience that keeps users engaged as and when the data trickles in. This also enables developers to handle exceptions better by following a modularized approach in building their application.

Yodlee Platform Datasets

The following datasets are supported with Yodlee API 1.1:

Basic Aggregation Data

The Basic Aggregation Data dataset provides basic account information such as balance, transactions, holdings, etc. This dataset is generally useful for financial wellness or lending solutions.

Account Profile

The Account Profile dataset provides sensitive account information such as full account number, account holder name, etc. This dataset is generally useful to support use cases that require verification of account ownership, such as account opening or enabling funds transfer. Access to this dataset requires Yodlee Security Office approval.

Documents

Yodlee provides access to end user's financial documents that are generally accessible from financial institution sites as PDF documents, e.g. tax documents, monthly statements, etc. This dataset is generally useful to meet compliance requirements in use cases like asset transfers and credit lending.

Dataset Details

Each dataset has multiple attributes as described in the table below. Each attribute is further logically comprised of individual data fields.

Dataset Name

Attribute Name

Attribute Description

Basic Aggregation Data

Account Details

High level summary of the user’s accounts. Provides data such as account balance, loan payment, interest rate, (masked) account number, etc.

Transaction

Individual financial transactions for each account type, e.g., bank, credit card, loan, etc.

Holdings

Holdings details for investment accounts.

Statements

Monthly bill details like due date, amount due, bill date from accounts like credit cards, loans, utilities.

Account Profile

Full Account Number

The full (unmasked) account number aggregated, wherever possible by performing additional navigation at the site.  Full account number are only available for bank and investment accounts.

Bank Transfer Code

The bank transfer code is the list of unique IDs assigned to a bank and its branches that is required for payment routing purposes. The appropriate bank transfer code is aggregated for each location of the provider. Depending on the country the following is returned:

  • United States: Routing Number
  • India: IFSC (Indian Financial System Code)
  • Australia: BSB (Bank State Branch) Code
  • United Kingdom: Sort Code
  • Canada: Bank Transit Code

Account Holder Name(s)

The account holder's full name, which is vital for verifying account ownership. For joint accounts, the names of individual account owners will be returned (if they are displayed on the site).

Holder Details

Holder Details includes data fields such as email, phone numbers, addresses, etc.

These fields are conditionally returned by the Yodlee APIs depending on availability of information at the financial institution’s site.

Document

Tax

All tax related pdf documents available at the financial institution's site. Tax documents are supported in two regions: Yodlee supports IRS Form 1099 for U.S. and Form 26AS for India.

Statements

The monthly pdf account statements available online at the financial institution's site. Statements are supported for bank and investment containers only.

EBill

The pdf bill statement available online at the biller or financial institution site that helps the consumer to verify details before making a bill payment. EBills are supported only in the U.S.