Overview

Envestnet | Yodlee API (“Yodlee API”) is a flexible RESTful API that allows 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 v1.1 is designed to work with FastLink 4.

Yodlee's core API supports 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's core API supports 90% of the top volume sites in the United States, United Kingdom, Australia, and India.

Envestnet | Yodlee API v1.1 is built on the concept of datasets (see working with datasets). A dataset is a related set of data attributes. One or more datasets (or selected attributes) may be retrieved 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 the 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 API provides the flexibility to request specific datasets or attributes.

Yodlee Platform Datasets

The following datasets are supported with Yodlee API v1.1:

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.
Advance Aggregation Data
The advance aggregation dataset consists of attributes that supplement the basic aggregation dataset attributes to solve a use case. Additional navigation is mostly required to aggregate this dataset, and customers have to subscribe to this dataset to receive the data.
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.

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, the amount due, and bill date from accounts like credit cards, loans, utilities.
Advance Aggregation Dataset	Interest Details	The interest rate-related data of a credit card or loan account.
	Payment Details	Loan payment-related details such as payoff amount, outstanding balance, etc.
	Coverage	The coverage-related details for superannuation accounts, life insurance, and health insurance.
Account Profile	Full Account Number	The full (unmasked) account number is aggregated, wherever possible, by performing additional navigation at the site. Full account numbers 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 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 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, and addresses. These fields are conditionally returned by the Yodlee core API depending on the availability of information at the financial institution’s site.
	Payment Profile	The payment profile attribute contains information such as payment address, payment identifier, etc., that are required to set up a payment.