socure

Socure Account Intelligence API

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.

Socure Account Intelligence API is one of 6 APIs that socure publishes on the APIs.io network, described by a machine-readable OpenAPI specification.

This API exposes 1 machine-runnable capability that can be deployed as REST, MCP, or Agent Skill surfaces via Naftiko.

Tagged areas include Bank Account Verification, Account Validation, and Open Banking. The published artifact set on APIs.io includes API documentation, an OpenAPI specification, and 1 Naftiko capability spec.

GitHub OpenAPI

Documentation

📖
Documentation
https://developer.socure.com/docs/id-plus/modules/account-intelligence

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/socure/refs/heads/main/openapi/socure-account-intelligence-api-openapi.yml

Other Resources

🔗
NaftikoCapability
https://raw.githubusercontent.com/api-evangelist/socure/refs/heads/main/capabilities/account-intelligence.yaml

OpenAPI Specification

socure-account-intelligence-api-openapi.yml Raw ↑ 
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