{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/usaa/main/json-schema/usaa-transaction-schema.json",
  "title": "USAA Transaction",
  "description": "JSON Schema for USAA transaction data as accessible via open banking aggregators.",
  "type": "object",
  "properties": {
    "transactionId": {
      "type": "string",
      "description": "Aggregator-assigned unique transaction identifier"
    },
    "accountId": {
      "type": "string",
      "description": "Account identifier the transaction belongs to"
    },
    "amount": {
      "type": "number",
      "description": "Transaction amount. Negative = debit, positive = credit."
    },
    "date": {
      "type": "string",
      "format": "date",
      "description": "Date the transaction occurred"
    },
    "postedDate": {
      "type": ["string", "null"],
      "format": "date",
      "description": "Date the transaction posted to the account"
    },
    "name": {
      "type": "string",
      "description": "Merchant or transaction name"
    },
    "merchantName": {
      "type": ["string", "null"],
      "description": "Cleaned merchant name"
    },
    "category": {
      "type": ["string", "null"],
      "description": "Transaction category (e.g., Travel, Dining, Insurance)"
    },
    "pending": {
      "type": "boolean",
      "description": "Whether the transaction is pending or posted"
    },
    "paymentChannel": {
      "type": "string",
      "enum": ["online", "in store", "other"],
      "description": "Transaction payment channel"
    },
    "currencyCode": {
      "type": "string",
      "description": "ISO 4217 currency code",
      "example": "USD"
    }
  },
  "required": ["transactionId", "accountId", "amount", "date", "name"]
}