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affordability.json
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{"openapi":"3.0.1","info":{"title":"Affordability","version":"3.0.0","license":{"name":"commercial","url":"https://basiq.io"}},"servers":[{"url":"https://au-api.basiq.io"}],"paths":{"/users/{userId}/affordability":{"get":{"tags":["Affordability"],"summary":"List affordability summaries","description":"Returns a list of affordability summaries that have been generated for a specific user.","operationId":"getAffordabilityList","deprecated":true,"parameters":[{"name":"userId","in":"path","description":"The identifier of the user.","required":true,"schema":{"type":"string"}}],"responses":{"200":{"description":"Returns a list with a data property that contains an array of affordability resources.","content":{"application/json":{"schema":{"title":"AffordabilityListResponse","required":["data","links","type"],"type":"object","properties":{"type":{"type":"string","description":"Always \"List\".","example":"list"},"data":{"type":"array","items":{"required":["fromMonth","generatedDate","id","links","toMonth","type"],"type":"object","properties":{"type":{"type":"string","description":"Always \"affordability\".","example":"affordability"},"id":{"type":"string","description":"Uniquely identifies the affordability summary.","example":"s55bf3"},"coverageDays":{"type":"integer","description":"Number of days covered by the summary","format":"int64","example":392},"fromMonth":{"type":"string","description":"Start month for the period for which the Affordability summary is generated. The period of time relates to the account and transaction data used as input into the summary.","example":"2019-03"},"toMonth":{"type":"string","description":"End month (usually the current month) for the period for which the Affordability summary is generated.","example":"2020-03"},"generatedDate":{"type":"string","description":"Date the summary was generated.","example":"2020-03-26T06:56:44"},"institutions":{"type":"array","description":"An array of institution ids to indicate the sources of transaction data, aggregated to generate the affordability resource.","example":"AU00000","items":{"type":"string"}},"links":{"title":"AffordabilityLinksInList","required":["expenses","income","self"],"type":"object","properties":{"expenses":{"type":"string","description":"Link to the expenses","example":"https://au-api.basiq.io/users/25c8d1ed77/expenses/s55bf5"},"income":{"type":"string","description":"Link to the income","example":"https://au-api.basiq.io/users/25c8d1ed77/income/s55bf4"},"self":{"type":"string","description":"Link to the affordability resource","example":"https://au-api.basiq.io/users/25c8d1ed77/affordability/s55bf3"}},"description":"Object containing links to resources.","x-readme-ref-name":"AffordabilityLinksInList"}},"x-readme-ref-name":"AffordabilityListData"}},"links":{"required":["self"],"type":"object","properties":{"self":{"type":"string","description":"Link to the requested user affordability resources","example":"https://au-api.basiq.io/users/25c8d1ed77/affordability"}},"x-readme-ref-name":"AffordabilityListLinks"}},"description":"Container object, containing affordability list details.","x-readme-ref-name":"AffordabilityListResponse"}}}},"400":{"description":"Returns error that server cannot or will not process the request due to something that is perceived to be a client error.","content":{"application/json":{"schema":{"required":["correlationId","data","type"],"type":"object","properties":{"type":{"type":"string","description":"Always \"list\".","example":"list"},"correlationId":{"type":"string","description":"Unique identifier for this particular occurrence of the problem.","example":"ac5ah5i"},"data":{"type":"array","description":"Error data.","items":{"required":["code","type"],"type":"object","properties":{"code":{"type":"string","description":"Application-specific error code, expressed as a string value.","example":"parameter-not-valid","enum":["parameter-not-supplied","parameter-not-valid","unsupported-accept","invalid-content","institution-not-supported","invalid-credentials"]},"detail":{"type":"string","description":"Human-readable explanation specific to this occurrence of the problem.","example":"ID value is not valid."},"source":{"title":"Source","type":"object","properties":{"parameter":{"type":"string","description":"String indicating which URI query parameter caused the error.","example":"userId"},"pointer":{"type":"string","description":"Location to the object or attribute that the error relates to.","example":"users/userId"}},"description":"An object containing references to the source of the error.","x-readme-ref-name":"Source"},"title":{"type":"string","description":"Title of the error","example":"Parameter not valid."},"type":{"type":"string","description":"Type of the response, always \"error\"","example":"error"}}}}},"x-readme-ref-name":"BadRequestError"}}}},"404":{"description":"Returns error indicating that server can't find requested resource.","content":{"application/json":{"schema":{"required":["correlationId","data","type"],"type":"object","properties":{"correlationId":{"type":"string","description":"Unique identifier for this particular occurrence of the problem.","example":"ac5ah5i"},"data":{"type":"array","description":"Error 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request.","content":{"application/json":{"schema":{"required":["correlationId","data","type"],"type":"object","properties":{"correlationId":{"type":"string","description":"Unique identifier for this particular occurrence of the problem.","example":"ac5ah5i"},"data":{"type":"array","description":"Error data.","items":{"required":["code","type"],"type":"object","properties":{"code":{"type":"string","description":"Application-specific error code, expressed as a string value.","example":"internal-server-error","enum":["internal-server-error"]},"detail":{"type":"string","description":"Human-readable explanation specific to this occurrence of the problem.","example":"Internal Server error. Contact support."},"title":{"type":"string","description":"Title of the error","example":"Internal Server error."},"type":{"type":"string","description":"Type of the response, always \"error\"","example":"error"}}}},"type":{"type":"string","description":"Always \"list\".","example":"list"}},"x-readme-ref-name":"InternalServerError"}}}}},"security":[{"services_token":[]}]},"post":{"tags":["Affordability"],"summary":"Create an affordability summaries","description":"Create an affordability summaries for a user","operationId":"postAffordability","deprecated":true,"parameters":[{"name":"userId","in":"path","description":"The identifier of the user.","required":true,"schema":{"type":"string"}}],"requestBody":{"content":{"application/json":{"schema":{"type":"object","properties":{"accounts":{"type":"array","description":"The list of accounts to be included in the affordability otherwise all the user accounts will be included in the summary","example":["s55bf3","s55bf4"],"items":{"type":"string"}},"fromMonth":{"type":"string","description":"The first/start month to be included in the affordability output e.g. \"fromMonth\":\"2019-05\". Resulting affordability resource will be based on data between fromMonth and toMonth.","example":"2019-05"},"toMonth":{"type":"string","description":"The last/end month to be included in the affordability output e.g. \"toMonth\":\"2019-09\". Resulting affordability resource will be based on data between fromMonth and toMonth.","example":"2019-09"}},"x-readme-ref-name":"AffordabilityPostRequest"}}},"required":false},"responses":{"200":{"description":"Returns a created affordability resource, if the operation succeeded.","content":{"application/json":{"schema":{"title":"AffordabilityResponse","required":["assets","external","fromMonth","generatedDate","id","liabilities","links","summary","toMonth","type"],"type":"object","properties":{"type":{"type":"string","description":"Always \"affordability\".","example":"affordability"},"id":{"type":"string","description":"Uniquely identifies the affordability summary.","example":"s55bf3"},"coverageDays":{"type":"integer","description":"Number of days covered by the summary","format":"int64","example":392},"assets":{"type":"array","description":"Assets","items":{"required":["account","availableFunds","balance","currency","institution","previous6Months","type"],"type":"object","properties":{"type":{"type":"string","description":"Type of account","example":"account"},"account":{"required":["product","type"],"type":"object","properties":{"product":{"type":"string","description":"Identifies the Product as defined by institution","example":"Hooli Transaction"},"type":{"type":"string","description":"Identifies the Account type defined by institution","example":"transaction"}},"x-readme-ref-name":"AccountType"},"availableFunds":{"type":"string","description":"The available funds at the time of the query.","example":"45670.98"},"balance":{"type":"string","description":"The currency in which the account is recorded.","example":"35298.67"},"currency":{"type":"string","description":"The currency in which the account is recorded.","example":"AUD"},"institution":{"type":"string","description":"The name of the financial institution with whom the account is held.","example":"Hooli"},"previous6Months":{"required":["maxBalance","minBalance"],"type":"object","properties":{"maxBalance":{"type":"string","nullable":true,"example":"38309.44"},"minBalance":{"type":"string","nullable":true,"example":"10032.81"}},"x-readme-ref-name":"AssetsPrevious6MonthsData"}},"x-readme-ref-name":"AffordabilityAssetsData"}},"external":{"type":"array","description":"External","items":{"required":["changeHistory","payments","source"],"type":"object","properties":{"changeHistory":{"type":"array","description":"Each transaction (repeated for each source ordered by most recent)","items":{"required":["amount","date","source"],"type":"object","properties":{"amount":{"type":"string","description":"Amount of payment","example":"-146.50"},"date":{"type":"string","description":"Date","format":"date","example":"2019-03-31"},"source":{"type":"string","description":"Full transaction description","example":"AFTERPAY MELBOURNE VI AUS Card xx3854 Value Date: 10/11/2019"}},"x-readme-ref-name":"ChangeHistoryExternal"}},"payments":{"type":"array","description":"Aggregated attributes relating to payments for this source (identified as an external liability)","items":{"required":["amountAvg","amountAvgMonthly","first","last","noOccurrences","total"],"type":"object","properties":{"amountAvg":{"type":"string","description":"Number of occurrences for same source (in this group)","example":"-50.50"},"amountAvgMonthly":{"type":"string","description":"Average monthly payment amount","example":"-20.00"},"first":{"type":"string","description":"Date of first payment","format":"date","example":"2019-03-15"},"last":{"type":"string","description":"Date of last payment","format":"date","example":"2020-03-15"},"noOccurrences":{"type":"integer","description":"Number of occurrences for same source (in this group)","format":"int64","example":2},"total":{"type":"string","description":"Amount of total payments identified for source in the affordability snapshot","example":"-146.50"}},"x-readme-ref-name":"ExternalPayment"}},"source":{"type":"string","description":"Source of external liability (cleaned transaction description).","example":"afterpay"}},"x-readme-ref-name":"ExternalLiabilityData"}},"fromMonth":{"type":"string","description":"Start month for the period for which the Affordability summary is generated. The period of time relates to the account and transaction data used as input into the summary.","example":"2019-03"},"toMonth":{"type":"string","description":"End month (usually the current month) for the period for which the Affordability summary is generated.","example":"2020-03"},"generatedDate":{"type":"string","description":"Date the summary was generated.","example":"2020-03-26T06:56:44"},"liabilities":{"required":["credit","loan"],"type":"object","properties":{"credit":{"type":"array","description":"Credit Liabilities","items":{"required":["account","availableFunds","balance","creditLimit","currency","institution","previous6Months","previousMonth"],"type":"object","properties":{"account":{"required":["product","type"],"type":"object","properties":{"product":{"type":"string","description":"Identifies the Product as defined by institution","example":"Hooli Transaction"},"type":{"type":"string","description":"Identifies the Account type defined by 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346454"}},"x-readme-ref-name":"ChangeHistoryAffordabilityData"}},"currency":{"type":"string","description":"The currency in which the account is recorded.","example":"AUD"},"institution":{"type":"string","description":"The name of the financial institution with whom the account is held.","example":"Hooli"},"previous6Months":{"required":["arrears"],"type":"object","properties":{"arrears":{"type":"string","description":"Has the loan been in arrears in the past 6 months - returned as a string value (true or false or 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user.","x-readme-ref-name":"AffordabilityResponse"}},"application/pdf":{"schema":{"title":"AffordabilityResponse","required":["assets","external","fromMonth","generatedDate","id","liabilities","links","summary","toMonth","type"],"type":"object","properties":{"type":{"type":"string","description":"Always \"affordability\".","example":"affordability"},"id":{"type":"string","description":"Uniquely identifies the affordability summary.","example":"s55bf3"},"coverageDays":{"type":"integer","description":"Number of days covered by the summary","format":"int64","example":392},"assets":{"type":"array","description":"Assets","items":{"required":["account","availableFunds","balance","currency","institution","previous6Months","type"],"type":"object","properties":{"type":{"type":"string","description":"Type of account","example":"account"},"account":{"required":["product","type"],"type":"object","properties":{"product":{"type":"string","description":"Identifies the Product as defined by 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held.","example":"Hooli"},"previous6Months":{"required":["maxBalance","minBalance"],"type":"object","properties":{"maxBalance":{"type":"string","nullable":true,"example":"38309.44"},"minBalance":{"type":"string","nullable":true,"example":"10032.81"}},"x-readme-ref-name":"AssetsPrevious6MonthsData"}},"x-readme-ref-name":"AffordabilityAssetsData"}},"external":{"type":"array","description":"External","items":{"required":["changeHistory","payments","source"],"type":"object","properties":{"changeHistory":{"type":"array","description":"Each transaction (repeated for each source ordered by most recent)","items":{"required":["amount","date","source"],"type":"object","properties":{"amount":{"type":"string","description":"Amount of payment","example":"-146.50"},"date":{"type":"string","description":"Date","format":"date","example":"2019-03-31"},"source":{"type":"string","description":"Full transaction description","example":"AFTERPAY MELBOURNE VI AUS Card xx3854 Value Date: 10/11/2019"}},"x-readme-ref-name":"ChangeHistoryExternal"}},"payments":{"type":"array","description":"Aggregated attributes relating to payments for this source (identified as an external liability)","items":{"required":["amountAvg","amountAvgMonthly","first","last","noOccurrences","total"],"type":"object","properties":{"amountAvg":{"type":"string","description":"Number of occurrences for same source (in this group)","example":"-50.50"},"amountAvgMonthly":{"type":"string","description":"Average monthly payment amount","example":"-20.00"},"first":{"type":"string","description":"Date of first payment","format":"date","example":"2019-03-15"},"last":{"type":"string","description":"Date of last payment","format":"date","example":"2020-03-15"},"noOccurrences":{"type":"integer","description":"Number of occurrences for same source (in this group)","format":"int64","example":2},"total":{"type":"string","description":"Amount of total payments identified for source in the affordability snapshot","example":"-146.50"}},"x-readme-ref-name":"ExternalPayment"}},"source":{"type":"string","description":"Source of external liability (cleaned transaction description).","example":"afterpay"}},"x-readme-ref-name":"ExternalLiabilityData"}},"fromMonth":{"type":"string","description":"Start month for the period for which the Affordability summary is generated. The period of time relates to the account and transaction data used as input into the summary.","example":"2019-03"},"toMonth":{"type":"string","description":"End month (usually the current month) for the period for which the Affordability summary is generated.","example":"2020-03"},"generatedDate":{"type":"string","description":"Date the summary was generated.","example":"2020-03-26T06:56:44"},"liabilities":{"required":["credit","loan"],"type":"object","properties":{"credit":{"type":"array","description":"Credit Liabilities","items":{"required":["account","availableFunds","balance","creditLimit","currency","institution","previous6Months","previousMonth"],"type":"object","properties":{"account":{"required":["product","type"],"type":"object","properties":{"product":{"type":"string","description":"Identifies the Product as defined by institution","example":"Hooli Transaction"},"type":{"type":"string","description":"Identifies the Account type defined by 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period","example":-2053.5}},"x-readme-ref-name":"Previous6MonthsCreditLiabilities"},"previousMonth":{"required":["maxBalance","minBalance","totalCredits","totalDebits"],"type":"object","properties":{"maxBalance":{"type":"string","example":-12329.16},"minBalance":{"type":"string","example":-3174.16},"totalCredits":{"type":"string","example":"0.00"},"totalDebits":{"type":"string","example":-8287.1}},"x-readme-ref-name":"PreviousMonthDataLiabilities"}},"x-readme-ref-name":"CreditLiabilities"}},"loan":{"type":"array","description":"Loan Liabilities","items":{"required":["account","availableFunds","balance","changeHistory","currency","institution","previous6Months","previousMonth"],"type":"object","properties":{"account":{"required":["product","type"],"type":"object","properties":{"product":{"type":"string","description":"Identifies the Product as defined by institution","example":"Hooli Transaction"},"type":{"type":"string","description":"Identifies the Account type defined by 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346454"}},"x-readme-ref-name":"ChangeHistoryAffordabilityData"}},"currency":{"type":"string","description":"The currency in which the account is recorded.","example":"AUD"},"institution":{"type":"string","description":"The name of the financial institution with whom the account is held.","example":"Hooli"},"previous6Months":{"required":["arrears"],"type":"object","properties":{"arrears":{"type":"string","description":"Has the loan been in arrears in the past 6 months - returned as a string value (true or false or null)","nullable":true,"example":"true"}},"x-readme-ref-name":"Previous6MonthsLoan"},"previousMonth":{"required":["totalCredits","totalDebits","totalInterestCharged","totalRepayments"],"type":"object","properties":{"totalCredits":{"type":"string","example":"0.00"},"totalDebits":{"type":"string","example":-8287.1},"totalInterestCharged":{"type":"string","example":-4303.5},"totalRepayments":{"type":"string","example":"5768.00"}},"x-readme-ref-name":"PreviousMonthDataLoanLiabilities"}},"x-readme-ref-name":"LoanLiabilities"}}},"x-readme-ref-name":"LiabilitiesData"},"summary":{"required":["assets","creditLimit","expenses","liabilities","loanRepaymentMonthly","netPosition","potentialLiabilitiesMonthly","regularIncome","savings"],"type":"object","properties":{"assets":{"type":"string","description":"Total of cash based assets","nullable":true,"example":"59983.11"},"creditLimit":{"type":"string","description":"Total credit limit across all credit cards and overdrafts","nullable":true,"example":"20000.00"},"expenses":{"type":"string","description":"Provides an average of monthly expenses calculated for the whole period of data retrieved (e.g. 13 months)","example":"-12046.00"},"liabilities":{"type":"string","description":"Total of account based liabilities split into credit and loan liabilities","nullable":true,"example":"-323946.20"},"loanRepaymentMonthly":{"type":"string","description":"Total of all repayments monthly to disclosed loan liabilities as an average monthly amount","nullable":true,"example":"5284.00"},"netPosition":{"type":"string","description":"Total assets minus total liabilities","nullable":true,"example":-263963.09},"potentialLiabilitiesMonthly":{"type":"string","description":"Total of all repayments monthly to potential undisclosed loan liabilities as an average monthly 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