openapi: 3.0.3
info:
  title: Socure Account Intelligence API
  version: '3.0'
  description: |
    Real-time validation of US bank accounts — verifying open/closed status,
    ownership (name match), and account-type signals. Powers funding-account checks
    for fintech onboarding, payroll, and ACH origination flows without requiring
    micro-deposits or end-user credentials.
servers:
- url: https://api.socure.com
  description: Production
- url: https://sandbox.socure.com
  description: Sandbox
security:
- SocureToken: []
tags:
- name: Account Intelligence
paths:
  /api/3.0/EmailAuthScore:
    post:
      tags:
      - Account Intelligence
      operationId: validateBankAccount
      summary: Validate A Bank Account
      description: |
        Validate a US bank account by routing number and account number with the
        `accountintelligence` module.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - modules
              - routingNumber
              - accountNumber
              properties:
                modules:
                  type: array
                  items:
                    type: string
                    enum:
                    - accountintelligence
                routingNumber:
                  type: string
                  description: 9-digit ABA routing number.
                accountNumber:
                  type: string
                accountType:
                  type: string
                  enum:
                  - checking
                  - savings
                firstName:
                  type: string
                surName:
                  type: string
      responses:
        '200':
          description: Account Intelligence result.
          content:
            application/json:
              schema:
                type: object
                properties:
                  referenceId:
                    type: string
                  accountIntelligence:
                    type: object
                    properties:
                      accountStatus:
                        type: string
                        enum:
                        - open
                        - closed
                        - unknown
                      ownerMatch:
                        type: string
                        enum:
                        - exact
                        - partial
                        - none
                      accountType:
                        type: string
                      reasonCodes:
                        type: array
                        items:
                          type: string
components:
  securitySchemes:
    SocureToken:
      type: apiKey
      in: header
      name: Authorization