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protocol-v1.md

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<img src="img/logo.svg" style="width: 32px; height: 32px;" align="center"> SimpleFIN Protocol
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- Version: VERSIONTAG-draft
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- Version: 1.0.7
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# Introduction
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protocol.html

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<ul>
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<li><a href="#introduction" id="toc-introduction">Introduction</a>
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<ul>
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<li><a href="#older-versions" id="toc-older-versions">Older versions</a></li>
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<li><a href="#flow" id="toc-flow">Flow</a></li>
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<li><a href="#simplefin-bridge" id="toc-simplefin-bridge">SimpleFIN Bridge</a></li>
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</ul></li>
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</ul></li>
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<li><a href="#changes" id="toc-changes">Changes</a>
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<ul>
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<li><a href="#v2.0.0---2025-12-08" id="toc-v2.0.0---2025-12-08">v2.0.0 - 2025-12-08</a></li>
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<li><a href="#v1.0.7" id="toc-v1.0.7">v1.0.7</a></li>
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</ul></li>
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</ul>
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SimpleFIN Protocol
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</div>
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</div>
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<p>Version: 2.0.0-draft</p>
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<p>Version: 1.0.7-draft</p>
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<h1 id="introduction">Introduction</h1>
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<p>The SimpleFIN protocol allows users to share read-only financial data with third parties. It’s similar to RSS, but for financial data.</p>
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<p>Though intended mostly for banks, it can also be used for reward points or gift certificate balances (e.g. Frequent Flyer Miles, Amazon gift card balance, etc…)</p>
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<p>Application developers should start with the <a href="#app-quickstart">App Quickstart</a>.</p>
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<p>Banks or financial institutions wanting to host their own SimpleFIN Server should start at the <a href="#server-implementation-guide">Server Implementation Guide</a>.</p>
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<p>Users should visit the <a href="https://bridge.simplefin.org">SimpleFIN Bridge</a>.</p>
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<h2 id="older-versions">Older versions</h2>
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<p><a href="/protocol-v1.html">SimpleFIN Version 1</a></p>
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<h2 id="flow">Flow</h2>
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<p>This diagram shows how a User gives read-only bank account access to an App:</p>
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<p><img src="img/connect-flow.svg" /></p>
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<section>
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<div class="main">
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<p>Used by Applications to find out what versions of the SimpleFIN Protocol the server supports. The strings returned must be in <code>MAJOR.MINOR.FIX</code> or <code>MAJOR.MINOR</code> format.</p>
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<p>Note: as this specification is still in draft, most servers will report <code>1.0</code> but may not yet support all things from the draft specification.</p>
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<p>Note: as this specification is still in draft, most servers will report <code>1</code> but may not yet support all things from the draft specification.</p>
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<h3 id="http-request">HTTP Request</h3>
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<p><code>GET /info</code></p>
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<h3 id="response-json">Response JSON</h3>
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<div class="sourceCode" id="cb19"><pre class="sourceCode bash"><code class="sourceCode bash"><span id="cb19-1"><a href="#cb19-1" aria-hidden="true" tabindex="-1"></a><span class="ex">curl</span> https://bridge.simplefin.org/simplefin/info</span></code></pre></div>
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<p>Response:</p>
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<div class="sourceCode" id="cb20"><pre class="sourceCode json"><code class="sourceCode json"><span id="cb20-1"><a href="#cb20-1" aria-hidden="true" tabindex="-1"></a><span class="fu">{</span></span>
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<span id="cb20-2"><a href="#cb20-2" aria-hidden="true" tabindex="-1"></a> <span class="dt">&quot;versions&quot;</span><span class="fu">:</span> <span class="ot">[</span><span class="st">&quot;1.0&quot;</span><span class="ot">]</span><span class="fu">,</span></span>
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<span id="cb20-2"><a href="#cb20-2" aria-hidden="true" tabindex="-1"></a> <span class="dt">&quot;versions&quot;</span><span class="fu">:</span> <span class="ot">[</span><span class="st">&quot;1&quot;</span><span class="ot">,</span><span class="st">&quot;2&quot;</span><span class="ot">]</span><span class="fu">,</span></span>
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<span id="cb20-3"><a href="#cb20-3" aria-hidden="true" tabindex="-1"></a><span class="fu">}</span></span></code></pre></div>
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</div>
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</section>
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<td>optional</td>
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<td>If <code>balances-only=1</code> is provided, no transaction data is returned.</td>
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</tr>
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<tr>
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<td>version</td>
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<td>optional</td>
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<td>Must be <code>2</code> for this version of the protocol. Can be <code>1</code> for earlier versions. The server chooses the default version if this is not specified.</td>
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</tr>
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</tbody>
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</table>
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<h3 id="authentication">Authentication</h3>
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</div>
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</section>
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<h1 id="changes">Changes</h1>
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<h2 id="v2.0.0---2025-12-08">v2.0.0 - 2025-12-08</h2>
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<ul>
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<li><strong>BREAKING CHANGE:</strong> Deprecated <code>errors</code> list on <code>AccountSet</code> object in favor of new <code>errlist</code> list for structured errors.</li>
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<li><strong>BREAKING CHANGE:</strong> Deprecated <code>Organization</code> object in favor of new, flatter <code>Connection</code> object.</li>
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<li><strong>NEW:</strong> Added <code>GET /accounts?balances-only=1</code> parameter to skip fetching account transaction data.</li>
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<li><strong>NEW:</strong> Added <code>connections</code> list to <code>AccountSet</code></li>
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<li><strong>NEW:</strong> Added <code>GET /accounts?account=</code> parameter for filtering which accounts are returned.</li>
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<li><strong>NEW:</strong> Added <code>conn_id</code> to <code>Account</code> object to disambiguate between two different logins to the same bank.</li>
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</ul>
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<h2 id="v1.0.7">v1.0.7</h2>
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<ul>
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<li>Started this changelog</li>

protocol.md

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Used by Applications to find out what versions of the SimpleFIN Protocol the server supports. The strings returned must be in `MAJOR.MINOR.FIX` or `MAJOR.MINOR` format.
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Note: as this specification is still in draft, most servers will report `1` but may not yet support all things from the draft specification.
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Note: as this specification is still in draft, most servers will report `1` or `2` but may not yet support all things from the draft specification.
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### HTTP Request
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