API Models

Guilders centers around Account as the primary finance entity, and links synced providers and transactions around it.

Primary Models

• Account
  • Belongs to a user (user_id)
  • Carries type (asset or liability) and subtype (depository, brokerage, crypto, property, vehicle, creditcard, loan, stock)
  • Stores value and currency
  • Uses institution_connection_id when synced from a provider
• Transaction
  • Belongs to one account (account_id)
  • Includes amount, currency, date, description, category
• Provider
  • Data aggregator source (for example Plaid)
• Institution
  • Bank/brokerage/exchange connected through a provider
• ProviderConnection
  • User-authenticated provider link, includes encrypted secrets
• InstitutionConnection
  • Per-institution connection state (including broken)

Relationship Flow

Provider -> Institution -> ProviderConnection -> InstitutionConnection -> Account -> Transaction

This is the canonical sync flow when accounts are imported instead of manually created.