8. Link Accounts with Test Financial Institutions

Overview

We have test financial institutions (FIs) that enable you to simulate the account linking workflow. These test FIs can help you develop and manage the Account Linking events, and also help you develop retrieval operations of the aggregated data.

Instructions

As you build out your integration, use the test FIs below to validate your end-to-end workflow across:

Different authentication flows, including multi-factor authentication (MFA) types (activation code, security question) and credential failures
Different data shapes, including positional, transactional, banking, and investment data
Investor and advisor account linking, including the custodial feed onboarding workflow

Test Financial Institutions

Each FI below allows you to aggregate test accounts and simulates data suited for testing different scenarios.

Multi-Factor Authentication with an In-Session Activation Code

Scenario	FI Name	Login Name	Password	Required MFA value	Comments
Account Linking + Data Collection (Positions & Historical Transactions)	Data Test 1 - 401(k) (Investment)	Any value	Any value	n/a	This test FI has complete positional data and historical transactional data. There are other data tests (Data Test 2, 3, 4) which can be used as well that support different account types.
Account Linking + Data Collection (Banking & Investment)	Sample Data - Test Accounts	Use the string username	Any value	n/a	This test FI has banking and investment accounts, with a diverse set of holding and transactional data.
Multi-Factor Authentication with a Security Question and Answer	ByAllAccounts Demonstration FI #2 (SQA) (Investment)	username	Any value	Boston	Login and security answer are case sensitive. Incorrect values will cause a login error. This test FI enables you to see the multi-factor authentication (MFA) workflow and you can break it by using an incorrect username or security answer.
Multi-Factor Authentication with an In-Session Activation Code & Authentication Failure	TechFirst Investments (Demo)	Any value	Any value Use 'badpassword' to cause a 1007 error	1234	Useful for testing in session activation code workflow and authentication failures.
Advisor: Account Linking + Data Collection	TechFirst Investments – Advisor (Demo)	Any value	Any value	1234	Returns 32 unique accounts; holdings data is limited to cash; no transactions.
Advisor: Custodial Feed Onboarding	TechFirst Investments – Custodial Feed (Demo)	Any value	Any value	n/a	Simulates the feed onboarding experience. During the feed setup flow, any values can be entered for the Feed Setup Form (Step 2) and credentials (Step 3). Returns 20 unique accounts with cash-only holdings and no transactions.

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Success Criteria
You have linked accounts using one or more test FIs and aggregated data is available for retrieval.