Webhooks
Bakkt uses webhooks for account creation and fiat onboarding notifications, providing detailed updates on account status, transactions, verification requirements, and more. This guide covers how to respond and understand these notifications for effective platform management.
Account Opening Webhook Events
When opening accounts, clients must capture the data in the webhook events to receive detailed status notifications. These notifications are published to the client’s webhook URL that was provided to Bakkt during onboarding. These notifications will provide clients with various updates on the account’s status, including successful account creation, failure, suspension, requests for additional documentation, and more.
The client’s webhook URL will receive a payload that includes these key elements, each providing insight into a specific aspect of the account:
-
requestId
: A unique Identifier for the request. -
partnerPartyRef
: The partner’s unique identifier linked to a customer’s account. -
partnerWebhookType
: Specifies the notification type, here asPARTY_EVENT
. -
partyStatus
: The account’s current state, with possible values beingACTIVE
,INACTIVE
,SUSPENDED
,LIQUIDATED
,UNDER_REVIEW
, andCLOSED
. -
reasonCode
: Categorizes the rationale behind the current account status. -
verificationURL
: A link for uploading documents to validate customer identity.Accompanying these elements, the reason codes will detail the circumstances of the status changes:
ACCOUNT_CLOSURE_REQUESTED
: The customer has requested account closure.COMPLIANCE_LOCKED
: The account is suspended by compliance.LIQUIDATED
: The party is restricted to selling cryptocurrencies or withdrawing funds.OTHER
: Other unspecified reasons for suspension.CLOSED
: Confirmation that the account has been closed.ENROLLMENT
: Indicates the account is successfully created and actively enrolled.RISK_KYC
: Notification of a failed CIP check.RISK_OFAC
: Notification of a failed OFAC screening.PENDING_REVIEW
: The account is awaiting a manual compliance review.DOCUMENT_VERIFICATION
: Additional documentation is required for identity verification.
Account Creation Webhook Examples
{
"requestId": "3f2b3e62-f26c-442d-8d4b-d029d5e9de50",
"partnerPartyRef": "ABCDEFG123",
"partnerWebhookType": "PARTY_EVENT",
"created": "2023-07-14T17:26:42.53873Z",
"partyStatus": "ACTIVE",
"reasonCode": "ENROLLMENT",
"verificationURL":
"verificationURLExpiry":
}
{
"requestId": "3f2b3e62-f26c-442d-8d4b-d029d5e9de50",
"partnerPartyRef": "ABCDEFG123",
"partnerWebhookType": "PARTY_EVENT",
"created": "2023-07-14T17:26:42.53873Z",
"partyStatus": "INACTIVE",
"reasonCode": "RISK_KYC",
"verificationURL":
"verificationURLExpiry":
}
{
"requestId": "3f2b3e62-f26c-442d-8d4b-d029d5e9de50",
"partnerPartyRef": "ABCDEFG123",
"partnerWebhookType": "PARTY_EVENT",
"created": "2023-07-14T17:26:42.53873Z",
"partyStatus": "INACTIVE",
"reasonCode": "DOCUMENT_VERIFICATION"
"verificationURL": "https://verify-v2.socure.com/#/t/99f2e00e-3ffd-4c58-8e40-3d6f7934c426",
"verificationURLExpiry": "2024-02-20T18:58:49.197534912Z"
}
Client Integration Testing Workflow
Scenario | Testing Guidelines | Expected Webhook Event Details |
---|---|---|
Account has passed KYC screening | Enroll a user with any PII information (aside from below scenarios). | "partyStatus": "ACTIVE" "reasonCode": "ENROLLMENT" |
Account has failed KYC screening on its initial attempt Clients can expect to receive the same webhook event if the account has failed document verification. | Enroll a user with the following PII:"familyName": "Dawn", "givenName": "Maggic", "personalAddress": { "city": "New York", "country": "USA", "postalCode": "10001", "state": "NY", "streetAddress": [ "33 Main Street" ] }, "taxId": "111111111", "taxIdType": "SSN", "phoneNumber": "+1999-555-7777", "emailAddress": "[email protected]", "dateOfBirth": "1936-01-01", | "partyStatus": "INACTIVE" OR"partyStatus": "SUSPENDED" "reasonCode": "RISK_KYC" |
Account has failed KYC and has triggered the document verification workflow | Enroll a user with the following PII:"familyName": "Shelar", "givenName": "Seema", "phoneNumber": "+18187830871", OR Enroll a user with the following PII: "emailAddress": "[email protected]", | "partyStatus": "INACTIVE" OR"partyStatus": "SUSPENDED" "reasonCode": "DOCUMENT_VERIFICATION" "verificationURL": "https://www.documentverification.sample.kyc.com" "verificationUrlExpiry": "2024-02-19T16:36:48.608799929Z" Actual URL and expiry may vary |
Account has failed KYC and has entered a manual review queue with the Compliance team | Enroll a user with the following PII:"familyName": "Doe", "givenName": "Jane", "dateOfBirth": "1961-01-01" | "partyStatus": "INACTIVE" OR"partyStatus": "SUSPENDED" "reasonCode": "PENDING_REVIEW" |
Account has failed OFAC screening | Enroll a user with the following PII:"emailAddress": "[email protected]", | "partyStatus": "INACTIVE" OR"partyStatus": "SUSPENDED" "reasonCode": "RISK_OFAC" |
Fiat Onramp Webhook Events
Bakkt will call the webhook provided during onboarding by the Partner, whenever there is a transaction event with the following details.
partnerPartyRef
Partner’s identifier to a party on their side expected to be unique at the PartnerwebhookType
Type of webhook notification (PARTY_EVENT
,BANK_ACCOUNT_LINK
,FIAT_EVENT
)partyStatus
Status of the consumer fiat account (ACTIVE
,INACTIVE
,SUSPENDED
,LIQUIDATED
,UNDER_REVIEW
,OTP_REQUIRED
,CLOSED
,OPEN
)reasonCode
Reason code for the change in statusamount
The transaction amountbankName
Name of the BankaccountLastFour
Last 4 digits of the bank accountaccountType
Type of bank accountlinkStatus
Status of the linked accountcreated
Date and time the transaction was completedcurrency
Type of currency (USD)transactionId
Unique Transaction ID generated by BakktpartnerTransactionRef
Unique Transaction ID specified by partner to a transaction requestfiatTransactType
Type of transaction (DEPOSIT
,WITHDRAW
,DEBIT
,CREDIT
,WITHDRAW_RETURN
,DEPOSIT_RETURN
,ACH_RETURN_FEE
)instrumentType
Type of money movement instrument (ACH
,WIRE
,TPJ
,DEBIT_CARD
,PARTNER_WRITE_OFF
,BAKKT_WRITE_OFF
,DECEASED_PARTY
,OTHER_ADJUSTMENT
)transactionStatus
Status of the transaction (PENDING
,COMPLETED
,DECLINED
,CANCELLED
)verificationType
Status of the verification (MANUAL
,INSTANT
,SAME_DAY_MICRODEPOSIT
,AUTOMATED_MICRODEPOSIT
)declineReason
Json object that contains type and description fieldstype
Response code for declinedescription
High level description of the decline reason
Fiat Webhook Examples
Party Events
Party Events occur when the status of a partner party link has transitioned to a new status.
{
"requestId": "3f2b3e62-f26c-442d-8d4b-d029d5e9de50",
"partnerPartyRef": "e8596570-f058-493b-a667-965b6ea2eb8e",
"partnerWebhookType": "PARTY_EVENT",
"created": "2023-07-14T17:26:42.53873Z",
"partyStatus": "SUSPENDED",
"reasonCode": "MAX_ACH_RETURNS"
}
Bank Link Events
Bank Link Events occur to pass back the result when bank account link APIs are called.
{
"requestId": "ca5d9540-1f09-44d8-921b-aeca5caf16c9",
"partnerPartyRef": "51275f6e-7111-402d-bf98-9a26d60072a61080p",
"partnerWebhookType": "BANK_ACCOUNT_LINK",
"created": "2023-08-08T19:12:53.034610562Z",
"accountLinkingInfo": {
"bankName": "N/A",
"accountLastFour": "0000",
"accountLinkStatus": "PENDING",
"verificationType": "SAME_DAY_MICRODEPOSIT"
}
}
{
"requestId": "ba5d9540-1f09-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "BANK_ACCOUNT_LINK",
"accountLinkingInfo": {
"bankName": "Test Bank",
"accountLastFour": "1234",
"accountType": "CHECKING",
"linkStatus": "ACTIVE",
"verificationType": "INSTANT"
}
}
{
"requestId": "3ed1c745-fd19-41d1-8bf3-62d9cfbbb613",
"partnerPartyRef": "e8596570-f058-493b-a667-965b6ea2eb8e",
"partnerWebhookType": "BANK_ACCOUNT_LINK",
"created": "2023-10-09T18:38:11.55377Z",
"error": {
"type": "UNSUPPORTED_FINANCIAL_INSTITUTION",
"description": "Financial Institution provided is unsupported at this time."
}
}
plaidAccount/link webhooks
{
"requestId": "3f219bd5-217e-4f83-a562-59008f0a642f",
"partnerPartyRef": "76fdf7ef-5d42-4886-b5c4-ac86a0cd0b82primary",
"partnerTransactionRef": "c76a4d11-f2f3-4c9d-b499-9de35d456d04",
"partnerWebhookType": "BANK_ACCOUNT_LINK",
"created": "2023-08-29T22:13:02.237002384Z",
"accountLinkingInfo": {
"bankName": "N/A",
"accountLinkStatus": "PENDING"
}
}
{
"requestId": "113db51d-dbae-41c2-87df-db21d449217e",
"partnerPartyRef": "76fdf7ef-5d42-4886-b5c4-ac86a0cd0b82primary",
"partnerTransactionRef": "c76a4d11-f2f3-4c9d-b499-9de35d456d04",
"partnerWebhookType": "BANK_ACCOUNT_LINK",
"created": "2023-08-29T22:13:02.928487492Z",
"accountLinkingInfo": {
"bankName": "CITIZENS BANK NA",
"accountLastFour": "0000",
"accountType": "CHECKING",
"accountLinkStatus": "ACTIVE"
}
}
{
"requestId": "731e2910-4803-465c-a5f5-ca44a5f3e954",
"partnerPartyRef": "76fdf7ef-5d42-4886-b5c4-ac86a0cd0b82primary",
"partnerTransactionRef": "98268502-a058-45b0-ace4-342b78cbbcd5",
"partnerWebhookType": "BANK_ACCOUNT_LINK",
"created": "2023-08-29T22:15:02.66265578Z",
"accountLinkingInfo": {
"accountLinkStatus": "INACTIVE",
"plaidErrorCode": "INVALID_PROCESSOR_TOKEN",
"plaidErrorMessage": " provided processor token is in an invalid format. expected format"
},
"error": {
"type": "SYSTEM_ERROR",
"description": "Failed to call bank account provider."
}
}
Fiat Events
ACH
ACH Fiat Events occur to communicate transaction status when the transfer API is used to initiate ACH transactions.
The Standard ACH Flow
{
"requestId": "ba5d8540-6n78-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-11T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "PENDING"
}
}
{
"requestId": "ch9d9540-1f09-44d8-876c-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-13T18:32:24.448422Z",
"currency": "USD",
"transactionId": "4177d1e5-1ff9-4495-86a2-38d8116c7d99",
"partnerTransactionRef": "77c16517-4513-4124-ab53-a798c310c848",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "COMPLETED"
}
}
ACH Return Flow
Some ACH transactions can be "returned" for a number of reasons described here, but most often it will be due to insufficient funds. In the case of an ACH return, a webhook with a fiatTransactionType of DEPOSIT_RETURN
, and a status of COMPLETE
will be sent.
When a partner account is configured to pass an ACH return fee to the end user, a ACH Return Fee webhook will be sent.
{
"requestId": "ba5d8540-6n78-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-11T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "PENDING"
}
}
{
"requestId": "ch9d9540-1f09-44d8-876c-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-13T18:32:24.448422Z",
"currency": "USD",
"transactionId": "4177d1e5-1ff9-4495-86a2-38d8116c7d99",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "COMPLETED"
}
}
{
"requestId": "aa4d9788-1f09-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2021-06-11T18:32:24Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT_RETURN",
"achReturnCode": "R01",
"instrumentType": "ACH",
"transactionStatus": "COMPLETED"
}
}
{
"requestId": "ba5d8540-6n78-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 5.63,
"created": "2023-05-11T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": null,
"fiatTransactType": "ACH_RETURN_FEE",
"instrumentType": null,
"transactionStatus": "COMPLETED"
}
}
ACH Cancelled Flow
ACH transactions can also be cancelled before they are sent to the ACH network. If a user is suspended after an ACH deposit is created but before the transaction has been transmitted to the ACH network, the transaction will be cancelled.
NOTE: In rare configurations, a cancelled status could be received after a complete.
{
"requestId": "ba5d8540-6n78-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-11T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "PENDING"
}
}
{
"requestId": "ba5d8540-6n78-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-11T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "77c16517-4513-4124-ab53-a798c310c848",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "CANCELLED"
}
}
ACH Decline Flow
{
"requestId": "ba5d8540-6n78-44d8-921b-aeca5caf16g8",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-11T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "PENDING"
}
}
{
"requestId": "3d503ebc-a9f3-499e-ba4b-5b99da506d82",
"partnerPartyRef": "b94ad6a6b82e4f64b17b45fc5b16bbee",
"partnerTransactionRef": "836da921-02c6-4a7d-8c53-03bd27225afd",
"partnerWebhookType": "FIAT_EVENT",
"created": "2024-03-28T16:59:16.06915918Z",
"fiatEvent": {
"created": "2024-03-28T16:59:15.98567Z",
"amount": 25,
"currency": "USD",
"partnerTransactionRef": "836da921-02c6-4a7d-8c53-03bd27225afd",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "DECLINED"
},
"error": {
"type": "INVALID_ACH_ROUTING_NUMBER",
"description": "Invalid ACH routing number."
},
"declineReason": {
"type": "INVALID_ACH_ROUTING_NUMBER",
"description": "Invalid ACH routing number"
}
}
Wire
Wire Fiat Events occur to communicate transaction status when the transfer API is used to initiate Wire transactions.
{
"requestId": "4559ef31-cd52-4872-bd62-7c0eb695e06f",
"partnerPartyRef": "1386e884-59db-49f2-8988-7d82893ab9e9digital",
"partnerTransactionRef": "d619c4bc-c61f-4507-9b35-9307f29c0376",
"partnerWebhookType": "FIAT_EVENT",
"created": "2023-11-03T21:29:17.972413661Z",
"fiatEvent": {
"created": "2023-11-03T21:29:17.79187Z",
"amount": 10000,
"currency": "USD",
"transactionId": "e23afa5b-1d08-4bd5-8684-00062aaaab48",
"partnerTransactionRef": "d619c4bc-c61f-4507-9b35-9307f29c0376",
"fiatTransactType": "DEPOSIT",
"instrumentType": "WIRE",
"transactionStatus": "PENDING",
"wireReferenceNumber": "44VWgG6Tg",
"wireRoutingNumber": "101206101",
"wireAccountNumber": "1842139512",
"wireSwiftCode": "CITIUS33XXX",
"wireBankName": "LEAD BANK",
"wireBankAddress": "115 South River Road Bedford, NH 03110",
"wireBeneficiaryName": "Bakkt Marketplace",
"wireBeneficiaryAddress": "10000 Avalon Boulevard, Alpharetta"
}
}
{
"requestId": "4559ef31-cd52-4872-bd62-7c0eb695e06f",
"partnerPartyRef": "1386e884-59db-49f2-8988-7d82893ab9e9digital",
"partnerTransactionRef": "d619c4bc-c61f-4507-9b35-9307f29c0376",
"partnerWebhookType": "FIAT_EVENT",
"created": "2023-11-04T21:29:17.972413661Z",
"fiatEvent": {
"created": "2023-11-03T21:29:17.79187Z",
"amount": 10000,
"currency": "USD",
"transactionId": "e23afa5b-1d08-4bd5-8684-00062aaaab48",
"partnerTransactionRef": "d619c4bc-c61f-4507-9b35-9307f29c0376",
"fiatTransactType": "DEPOSIT",
"instrumentType": "WIRE",
"transactionStatus": "COMPLETE"
}
}
{
"requestId": "fc9a3454-6a5c-43f6-a504-4bec3d4afe7d",
"partnerPartyRef": "1386e884-59db-49f2-8988-7d82893ab9e9digital",
"partnerTransactionRef": "7608902f-3c35-46d0-bca9-0275dc4b42b4",
"partnerWebhookType": "FIAT_EVENT",
"created": "2023-11-03T21:34:30.985438525Z",
"fiatEvent": {
"created": "2023-11-03T21:34:30.926263Z",
"amount": 77,
"currency": "USD",
"transactionId": "10b9d233-c006-40d0-94b2-7d95013250d9",
"partnerTransactionRef": "7608902f-3c35-46d0-bca9-0275dc4b42b4",
"fiatTransactType": "WITHDRAW",
"instrumentType": "WIRE",
"transactionStatus": "PENDING"
}
}
{
"requestId": "fc9a3454-6a5c-43f6-a504-4bec3d4afe7d",
"partnerPartyRef": "1386e884-59db-49f2-8988-7d82893ab9e9digital",
"partnerTransactionRef": "7608902f-3c35-46d0-bca9-0275dc4b42b4",
"partnerWebhookType": "FIAT_EVENT",
"created": "2023-11-03T21:34:30.985438525Z",
"fiatEvent": {
"created": "2023-11-03T21:34:30.926263Z",
"amount": 77,
"currency": "USD",
"transactionId": "10b9d233-c006-40d0-94b2-7d95013250d9",
"partnerTransactionRef": "7608902f-3c35-46d0-bca9-0275dc4b42b4",
"fiatTransactType": "WITHDRAW",
"instrumentType": "WIRE",
"transactionStatus": "COMPLETED"
}
}
TPJ
TPJ Events occur to communicate cash ledger adjustments when a crypto buy or sell has been initiated.
{
"requestId": "aa9d9540-1f09-44d8-921b-aeca5caf16g7",
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 50,
"created": "2023-06-01T18:32:24.448422Z",
"currency": "USD",
"transactionId": "4177d1e5-1ff9-4495-86a2-38d8116c7d99",
"partnerTransactionRef": "77c16517-4513-4124-ab53-a798c310c848",
"fiatTransactType": " DEBIT ",
"instrumentType": "TPJ",
"transactionStatus": "COMPLETED"
}
}
Sample Fiat Webhook Event Flows
ACH Return (Pre-Completion)
Consumer makes a deposit(T) and it failed(T+2) due to insufficient balance in his bank account
{
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 100,
"created": "2023-05-11T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "PENDING"
}
}
{
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"piatEvent": {
"amount": 100,
"created": "2023-05-13T18:32:24.448422Z",
"currency": "USD",
"transactionId": "5167d1e5-1ff9-49bd-86a2-38d8116c7d67",
"partnerTransactionRef": "53b16517-7766-4124-ab53-a798c310c139",
"fiatTransactType": "DEPOSIT_RETURN",
"achReturnCode": "R01",
"instrumentType": "ACH",
"transactionStatus": "COMPLETED"
}
}
ACH Return (Post-Completion)
Consumer makes deposit on T and the deposit completes at T+2; then makes a reversal on T+5
{
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 50,
"created": "2023-05-12T18:32:24.448422Z",
"currency": "USD",
"transactionId": "4177d1e5-1ff9-4495-86a2-38d8116c7d99",
"partnerTransactionRef": "77c16517-4513-4124-ab53-a798c310c848",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "PENDING"
}
}
{
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 50,
"created": "2023-05-14T18:32:24.448422Z",
"currency": "USD",
"transactionId": "4177d1e5-1ff9-4495-86a2-38d8116c7d99",
"partnerTransactionRef": "77c16517-4513-4124-ab53-a798c310c848",
"fiatTransactType": "DEPOSIT",
"instrumentType": "ACH",
"transactionStatus": "COMPLETED"
}
}
{
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 50,
"created": "2023-05-17T18:32:24.448422Z",
"currency": "USD",
"transactionId": "4177d1e5-1ff9-4495-86a2-38d8116c7d99",
"partnerTransactionRef": "77c16517-4513-4124-ab53-a798c310c848",
"fiatTransactType": "DEPOSIT_RETURN",
"achReturnCode": "R10",
"instrumentType": "ACH",
"transactionStatus": "COMPLETED"
}
}
Account Balance Adjusted by Crypto Sale
Client makes a crypto buy using their fiat account; this reduces the fiat account balance
{
"partnerPartyRef": "53b16517-7766-4124-ab53-a798c310c139",
"partnerWebhookType": "FIAT_EVENT",
"fiatEvent": {
"amount": 50,
"created": "2023-06-01T18:32:24.448422Z",
"currency": "USD",
"transactionId": "4177d1e5-1ff9-4495-86a2-38d8116c7d99",
"partnerTransactionRef": "77c16517-4513-4124-ab53-a798c310c848",
"fiatTransactType": "DEBIT",
"instrumentType": "TPJ",
"transactionStatus": "COMPLETED"
}
}
Updated 5 months ago