{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "$id": "https://raw.githubusercontent.com/api-evangelist/argyle/refs/heads/main/json-schema/bankingreport.json",
  "title": "BankingReport",
  "type": "object",
  "description": "Report object.",
  "example": {
    "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
    }
  },
  "properties": {
    "id": {
      "type": "string",
      "format": "uuid",
      "description": "Unique ID of the report object."
    },
    "user": {
      "type": "string",
      "format": "uuid",
      "description": "ID of the user associated with the report."
    },
    "reference_id": {
      "type": "string",
      "format": "uuid",
      "deprecated": true,
      "description": "Report PDF identifier."
    },
    "generated_at": {
      "type": "string",
      "format": "date-time",
      "deprecated": true,
      "description": "Timestamp ([ISO 8601](https://en.wikipedia.org/wiki/ISO_8601)) when the report was requested."
    },
    "created_at": {
      "type": "string",
      "format": "date-time",
      "description": "Timestamp ([ISO 8601](https://en.wikipedia.org/wiki/ISO_8601)) when the report was requested."
    },
    "type": {
      "type": "string",
      "enum": [
        "voa",
        "voi",
        "voai"
      ],
      "description": "The type of report.\n\n- `voa` - Verification of Assets\n- `voi` - Verification of Income\n- `voai` - Verification of Assets and Income\n"
    },
    "status": {
      "type": "string",
      "enum": [
        "generating",
        "generated"
      ],
      "description": "Progress of report generation.\n\n- `generating` - The report is being generated.\n- `generated` - The report is ready to download.\n"
    },
    "file_url": {
      "type": "string",
      "description": "Download link to the report PDF. Requires [Argyle authentication headers](/api-guide/overview#authentication)."
    },
    "json_url": {
      "type": "string",
      "description": "Download link to the report in JSON. Requires [Argyle authentication headers](/api-guide/overview#authentication)."
    },
    "accounts": {
      "type": "array",
      "description": "Not used in banking reports.",
      "items": {
        "type": "object",
        "additionalProperties": true
      }
    },
    "last_synced_at": {
      "type": "string",
      "format": "date-time",
      "nullable": true,
      "description": "Not used in banking reports."
    },
    "external_id": {
      "type": "string",
      "nullable": true,
      "description": "The [`external_id`](/api-reference/users#object-external_id) of the user, otherwise `null`."
    },
    "source": {
      "type": "string",
      "description": "The source of the report data."
    },
    "metadata": {
      "type": "object",
      "description": "Additional info."
    }
  }
}