Lithic · Schema

Loan Tape Response

FinTechBaaSCard IssuingPaymentsEmbedded Finance

Properties

Name	Type	Description
token	string	Globally unique identifier for a loan tape
financial_account_token	string	Globally unique identifier for a financial account
date	string	Date of transactions that this loan tape covers
created	string	Timestamp of when the loan tape was created
updated	string	Timestamp of when the loan tape was updated
version	integer	Version number of the loan tape. This starts at 1
ytd_totals	object
period_totals	object
day_totals	object
balances	object
starting_balance	integer	Balance at the start of the day
ending_balance	integer	Balance at the end of the day
credit_limit	integer	For prepay accounts, this is the minimum prepay balance that must be maintained. For charge card accounts, this is the maximum credit balance extended by a lender
available_credit	integer	Amount of credit available to spend in cents
excess_credits	integer	Excess credits in the form of provisional credits, payments, or purchase refunds. If positive, the account is in net credit state with no outstanding balances. An overpayment could land an account in
account_standing	object
credit_product_token	string	Globally unique identifier for a credit product
tier	stringnull	Interest tier to which this account belongs to
payment_allocation	object
minimum_payment_balance	object
previous_statement_balance	object
interest_details	object

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/loan_tape_response",
  "title": "Loan Tape Response",
  "type": "object",
  "properties": {
    "token": {
      "type": "string",
      "description": "Globally unique identifier for a loan tape",
      "title": "Loan Tape Token"
    },
    "financial_account_token": {
      "description": "Globally unique identifier for a financial account",
      "type": "string",
      "format": "uuid"
    },
    "date": {
      "description": "Date of transactions that this loan tape covers",
      "type": "string",
      "format": "date"
    },
    "created": {
      "description": "Timestamp of when the loan tape was created",
      "type": "string",
      "format": "date-time"
    },
    "updated": {
      "description": "Timestamp of when the loan tape was updated",
      "type": "string",
      "format": "date-time"
    },
    "version": {
      "description": "Version number of the loan tape. This starts at 1",
      "type": "integer"
    },
    "ytd_totals": {
      "$ref": "#/components/schemas/statement_totals"
    },
    "period_totals": {
      "$ref": "#/components/schemas/statement_totals"
    },
    "day_totals": {
      "$ref": "#/components/schemas/statement_totals"
    },
    "balances": {
      "$ref": "#/components/schemas/balances"
    },
    "starting_balance": {
      "description": "Balance at the start of the day",
      "type": "integer"
    },
    "ending_balance": {
      "description": "Balance at the end of the day",
      "type": "integer"
    },
    "credit_limit": {
      "description": "For prepay accounts, this is the minimum prepay balance that must be maintained. For charge card accounts, this is the maximum credit balance extended by a lender",
      "type": "integer"
    },
    "available_credit": {
      "description": "Amount of credit available to spend in cents",
      "type": "integer"
    },
    "excess_credits": {
      "description": "Excess credits in the form of provisional credits, payments, or purchase refunds. If positive, the account is in net credit state with no outstanding balances. An overpayment could land an account in this state",
      "type": "integer"
    },
    "account_standing": {
      "$ref": "#/components/schemas/account_standing"
    },
    "credit_product_token": {
      "description": "Globally unique identifier for a credit product",
      "type": "string"
    },
    "tier": {
      "description": "Interest tier to which this account belongs to",
      "type": [
        "string",
        "null"
      ]
    },
    "payment_allocation": {
      "$ref": "#/components/schemas/payment_allocation"
    },
    "minimum_payment_balance": {
      "$ref": "#/components/schemas/balance_details"
    },
    "previous_statement_balance": {
      "$ref": "#/components/schemas/balance_details"
    },
    "interest_details": {
      "anyOf": [
        {
          "type": "null"
        },
        {
          "$ref": "#/components/schemas/interest_details"
        }
      ]
    }
  },
  "required": [
    "token",
    "financial_account_token",
    "date",
    "created",
    "updated",
    "version",
    "ytd_totals",
    "period_totals",
    "day_totals",
    "credit_limit",
    "excess_credits",
    "account_standing",
    "credit_product_token",
    "payment_allocation",
    "balances",
    "minimum_payment_balance",
    "previous_statement_balance",
    "starting_balance",
    "ending_balance",
    "available_credit",
    "interest_details"
  ]
}