# Treasury Prime Developer Core Direct Documentation ## Docs - [Overview](https://direct.treasuryprime.com/reference/account.md): The Account API allows you to view and manage your users' bank accounts, including balances, transactions, and owners or authorized users. - [Overview](https://direct.treasuryprime.com/reference/account-application.md): The Account Application is used to make the final submission when applying to open a new account. - [Account Application Testing](https://direct.treasuryprime.com/reference/account-application-testing.md): In the Sandbox environment, you can use the following details to simulate application statuses that may occur in the course of Production use. - [Overview](https://direct.treasuryprime.com/reference/account-documents.md) - [Overview](https://direct.treasuryprime.com/reference/account-product.md): The Account Product represents the type of account that will be opened by an approved account application. Account Products may be uniquely configured for your organization depending on your bank partner and account opening needs. - [Overview](https://direct.treasuryprime.com/reference/ach.md): [ACH](https://en.wikipedia.org/wiki/Automated_Clearing_House) is the predominant network for electronic funds transfer in the United States. Transferring money over ACH is generally cheaper, but slower, compared to other networks. ACH supports both credits (sending money) and debits (receiving money… - [Overview](https://direct.treasuryprime.com/reference/additional-person.md): This flow provides the ability to add additional people to an account that has already been opened by associating a `person_application_id` with an `account_id`. See [Person Application](/reference/person-application) and [Account](/reference/get_account). - [Overview](https://direct.treasuryprime.com/reference/apply-overview.md): The Apply API allows you to apply to open a new bank account, or apply to add additional authorized users to an existing account. Note that this is the only way to create new accounts or authorized users. - [Overview](https://direct.treasuryprime.com/reference/book-transfers.md): A book transfer is an electronic funds transfer between two accounts at the same bank. You must be authorized to access both the source account and the destination account for the transfer to be successful. Book transfers are both the fastest and cheapest type of transfer but are restricted only to… - [Overview](https://direct.treasuryprime.com/reference/business.md) - [Overview](https://direct.treasuryprime.com/reference/business-application.md): This represents a business or organization making an application for a bank account. - [Overview](https://direct.treasuryprime.com/reference/counterparty.md) - [Overview](https://direct.treasuryprime.com/reference/deposit.md): This represents the initial funding deposit for the new account. After an account application is approved by the bank and the new account is opened, then the payment instructions encoded in this object will be executed and the proceeds will be deposited into the new account. Deposits attached to rej… - [Overview](https://direct.treasuryprime.com/reference/document.md) - [Overview](https://direct.treasuryprime.com/reference/file.md) - [List Accounts](https://direct.treasuryprime.com/reference/get_account.md) - [List Pending Transactions](https://direct.treasuryprime.com/reference/get_account-account-id-pending-transaction.md) - [Get Tax Document](https://direct.treasuryprime.com/reference/get_account-account-id-tax-document-id.md) - [Fetch an Account](https://direct.treasuryprime.com/reference/get_account-id.md) - [List Average Balances](https://direct.treasuryprime.com/reference/get_account-id-average-balance.md) - [List Daily Balances](https://direct.treasuryprime.com/reference/get_account-id-daily-balance.md) - [Fetch a Statement](https://direct.treasuryprime.com/reference/get_account-id-statement.md) - [List of tax documents](https://direct.treasuryprime.com/reference/get_account-id-tax-document.md) - [List Transactions](https://direct.treasuryprime.com/reference/get_account-id-transaction.md) - [List Account Locks](https://direct.treasuryprime.com/reference/get_account-lock.md) - [Fetch an Account Lock](https://direct.treasuryprime.com/reference/get_account-lock-id.md) - [List Account Products](https://direct.treasuryprime.com/reference/get_account-product.md) - [Fetch an Account Product](https://direct.treasuryprime.com/reference/get_account-product-id.md) - [List ACH Transfers](https://direct.treasuryprime.com/reference/get_ach.md) - [Fetch an ACH](https://direct.treasuryprime.com/reference/get_ach-id.md) - [List Account Applications](https://direct.treasuryprime.com/reference/get_apply-account-application.md) - [Fetch an Account Application](https://direct.treasuryprime.com/reference/get_apply-account-application-id.md) - [List Additional Person Applications](https://direct.treasuryprime.com/reference/get_apply-additional-person-application.md) - [Fetch an Additional Person Application](https://direct.treasuryprime.com/reference/get_apply-additional-person-application-id.md) - [List Business Applications](https://direct.treasuryprime.com/reference/get_apply-business-application.md) - [Fetch a Business Application](https://direct.treasuryprime.com/reference/get_apply-business-application-id.md) - [List Deposits](https://direct.treasuryprime.com/reference/get_apply-deposit.md) - [Fetch a Deposit](https://direct.treasuryprime.com/reference/get_apply-deposit-id.md) - [List KYC Evaluations](https://direct.treasuryprime.com/reference/get_apply-kyc.md) - [Fetch a KYC Evaluation](https://direct.treasuryprime.com/reference/get_apply-kyc-id.md) - [List KYC Products](https://direct.treasuryprime.com/reference/get_apply-kyc-product.md) - [Fetch a KYC Product](https://direct.treasuryprime.com/reference/get_apply-kyc-product-id.md) - [List Person Applications](https://direct.treasuryprime.com/reference/get_apply-person-application.md) - [Fetch a Person Application](https://direct.treasuryprime.com/reference/get_apply-person-application-id.md) - [List Book Transfers](https://direct.treasuryprime.com/reference/get_book.md) - [Fetch a Book Transfer](https://direct.treasuryprime.com/reference/get_book-id.md) - [Fetch a Business](https://direct.treasuryprime.com/reference/get_business-id.md) - [List Counterparties](https://direct.treasuryprime.com/reference/get_counterparty.md) - [Fetch a Counterparty](https://direct.treasuryprime.com/reference/get_counterparty-id.md) - [List Documents](https://direct.treasuryprime.com/reference/get_document.md) - [Fetch a Document](https://direct.treasuryprime.com/reference/get_document-id.md) - [Fetch a File](https://direct.treasuryprime.com/reference/get_file-id.md) - [Download a File](https://direct.treasuryprime.com/reference/get_file-id-content.md) - [Fetch a Person](https://direct.treasuryprime.com/reference/get_person-id.md) - [Fetch a Routing Number](https://direct.treasuryprime.com/reference/get_routing-number-routing-number.md) - [Search](https://direct.treasuryprime.com/reference/get_search.md) - [List Webhooks](https://direct.treasuryprime.com/reference/get_webhook.md) - [Fetch a Webhook](https://direct.treasuryprime.com/reference/get_webhook-id.md) - [List Wire Transfers](https://direct.treasuryprime.com/reference/get_wire.md) - [Fetch a Wire Transfer](https://direct.treasuryprime.com/reference/get_wire-id.md) - [Overview](https://direct.treasuryprime.com/reference/kyc.md): This endpoint can be used to run KYC on an entity outside of the standard [account opening](/reference/apply-overview) workflow and retrieve the details for any existing KYC evaluations. This is useful when an individual or business requires a KYC evaluation for a purpose other than opening a new ac… - [Overview](https://direct.treasuryprime.com/reference/kyc-product.md): KYC products determine the specific type of KYC process to be conducted, including the KYC partner, required credentials, and whether it pertains to an individual or a business. A unique KYC product must be configured for each different KYC evaluation workflow. - [Overview](https://direct.treasuryprime.com/reference/overview.md): Core Direct from Treasury Prime enables financial institutions to offer deposit and payment solutions on top of accounts maintained within the bank's core banking system. - [Update an Account](https://direct.treasuryprime.com/reference/patch_account-id.md) - [Update an ACH](https://direct.treasuryprime.com/reference/patch_ach-id.md) - [Update a Business Application](https://direct.treasuryprime.com/reference/patch_apply-business-application-id.md) - [Update a Book Transfer](https://direct.treasuryprime.com/reference/patch_book-id.md) - [Update a Business](https://direct.treasuryprime.com/reference/patch_business-id.md) - [Update a Counterparty](https://direct.treasuryprime.com/reference/patch_counterparty-id.md) - [Update a Document](https://direct.treasuryprime.com/reference/patch_document-id.md) - [Update a Person](https://direct.treasuryprime.com/reference/patch_person-id.md) - [Update a Webhoook](https://direct.treasuryprime.com/reference/patch_webhook-id.md) - [Update a Wire Transfer](https://direct.treasuryprime.com/reference/patch_wire-id.md) - [Overview](https://direct.treasuryprime.com/reference/person.md) - [Overview](https://direct.treasuryprime.com/reference/person-application.md): This represents a (natural) person associated with an application for a bank account. For security, we do not return the `tin` field for Person Application responses. - [Create an ACH](https://direct.treasuryprime.com/reference/post_ach.md) - [Create an Account Application](https://direct.treasuryprime.com/reference/post_apply-account-application.md) - [Create an Additional Person Application](https://direct.treasuryprime.com/reference/post_apply-additional-person-application.md) - [Create a Business Application](https://direct.treasuryprime.com/reference/post_apply-business-application.md) - [Create a Deposit](https://direct.treasuryprime.com/reference/post_apply-deposit.md) - [Create a KYC Evaluation](https://direct.treasuryprime.com/reference/post_apply-kyc.md) - [Create a Person Application](https://direct.treasuryprime.com/reference/post_apply-person-application.md) - [Create a Book Transfer](https://direct.treasuryprime.com/reference/post_book.md) - [Create a Counterparty](https://direct.treasuryprime.com/reference/post_counterparty.md) - [Create a Document](https://direct.treasuryprime.com/reference/post_document.md) - [Create a Webhook](https://direct.treasuryprime.com/reference/post_webhook.md) - [Create a Wire Transfer](https://direct.treasuryprime.com/reference/post_wire.md) - [Overview](https://direct.treasuryprime.com/reference/routing-number.md) - [Overview](https://direct.treasuryprime.com/reference/search.md) - [Overview](https://direct.treasuryprime.com/reference/webhook.md) - [Event Types](https://direct.treasuryprime.com/reference/webhook-events.md): Create a [Webhook](/reference/post_webhook) by subscribing to these event types. - [Overview](https://direct.treasuryprime.com/reference/wire.md): Wires are electronic funds transfers between two accounts at different financial institutions. In contrast to ACH, wires are much faster, but they are also more expensive. Wires are executed immediately and usually settle within a matter of hours. Unlike ACH, wires cannot be reversed once sent. - [Wire Testing](https://direct.treasuryprime.com/reference/wire-testing.md): The [`/wire`](/reference/wire) can be used in the Sandbox environment to send test transactions. [Wire transfers](/reference/wire) submitted for amounts up to $50,000 will move through the normal [wire workflow](/reference/wire#workflow), eventually ending with status `sent`. You can simulate other… ## OpenAPI Specs - [openapi-utilities](https://direct.treasuryprime.com/openapi-reference/openapi-utilities.json) - [openapi-payments](https://direct.treasuryprime.com/openapi-reference/openapi-payments.json) - [openapi-cards](https://direct.treasuryprime.com/openapi-reference/openapi-cards.json) - [openapi-apply](https://direct.treasuryprime.com/openapi-reference/openapi-apply.json) - [openapi-account](https://direct.treasuryprime.com/openapi-reference/openapi-account.json) - [openapi-testing](https://direct.treasuryprime.com/openapi-reference/openapi-testing.json)