We are excited to announce the release of version 1.5 of the Nucleus API, as part of Hydrogen’s Atom offering. Check the details below to find out what’s new!
Nucleus version 1.5 has the following updates:
- A data model that stores additional account aggregation data for a client, including transactions, holdings, and income. This will support upcoming account aggregation integrations (Plaid, Quovo, MX).
- A data model that stores a client budget and financial offers. This will support financial wellness applications.
- Better multi-currency support for internationalization.
- Enhancements to wealth services to support an upcoming white label solution.
- Miscellaneous bug fixes.
The following new entities have been created:
- Aggregation Account Transaction and Aggregation Account Holding store the transactions and holdings for held-away accounts. Held-away accounts are usually bank accounts, credit cards, loans, mortgages, investments, or other financial accounts that are held at external financial institutions.
- These new entities pair with the Aggregation Account entity and the Aggregation Account Balance entity released as part of Nucleus v 1.2. The information for these accounts can be captured by integrating with a third-party service (e.g. Yodlee, Plaid, MX) which supports automated scraping of financial data, or via manual user entry. Support for these third-party-services will be included in the upcoming integrations framework release, or users may choose to integrate on their own. This information can be used to provide customers with a better picture of their current financial health and for businesses to gain insights on their users’ financial behavior outside of the organization.
- Budget stores budget specific information that the user has created. Within this entity the user is able to categorize different budget expenses (eg. mortgage expenses, rent or utilities) by date and frequency. This information can be used to reevaluate goals and priorities and allows the user to track spending against a budget over time.
- Financial Offer stores various financial products that can be later utilized in an offer comparison. Examples of financial product offers are credit cards, savings accounts, mortgages, and loans.
Miscellaneous additions and bug fixes:
- “Total Earnings” added as a statistic available in all performance endpoints
- Update to filtering capabilities on dates for intra-day security prices
- Update to filtering capabilities for multiple OR statements
- Metadata added to remaining non time series Nucleus entities