{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/usaa/main/json-schema/usaa-bank-account-schema.json",
  "title": "USAA Bank Account",
  "description": "JSON Schema for USAA bank account data as accessible via open banking aggregators (Plaid, Mastercard Open Banking).",
  "type": "object",
  "properties": {
    "accountId": {
      "type": "string",
      "description": "Aggregator-assigned account identifier"
    },
    "accountType": {
      "type": "string",
      "enum": ["checking", "savings", "credit", "loan", "investment", "insurance"],
      "description": "Type of financial account"
    },
    "accountSubtype": {
      "type": "string",
      "description": "Account subtype (e.g., checking, savings, auto, homeowners)"
    },
    "institutionName": {
      "type": "string",
      "description": "Financial institution name",
      "example": "USAA Federal Savings Bank"
    },
    "mask": {
      "type": "string",
      "description": "Last 4 digits of account number",
      "example": "1234"
    },
    "name": {
      "type": "string",
      "description": "Account name as it appears at USAA"
    },
    "officialName": {
      "type": ["string", "null"],
      "description": "Official account name"
    },
    "balances": {
      "$ref": "#/$defs/AccountBalances"
    },
    "currency": {
      "type": "string",
      "description": "ISO 4217 currency code",
      "example": "USD"
    }
  },
  "required": ["accountId", "accountType", "institutionName"],
  "$defs": {
    "AccountBalances": {
      "type": "object",
      "description": "Account balance information",
      "properties": {
        "available": {
          "type": ["number", "null"],
          "description": "Available balance (may differ from current for credit accounts)"
        },
        "current": {
          "type": ["number", "null"],
          "description": "Current ledger balance"
        },
        "limit": {
          "type": ["number", "null"],
          "description": "Credit limit (for credit accounts)"
        },
        "currencyCode": {
          "type": "string",
          "description": "ISO 4217 currency code"
        }
      }
    }
  }
}