Description of the Bond platform resources and their relationships to each other.

The diagram below summarizes the interactions between Bond resources and APIs.


A partnership between your company and a bank is represented by program_id. Every customer object and their associated account objects are linked to the program_id. To comply with financial regulations, you must perform a KYC check for customers before you can issue an account or card to them.

You can make instant fund transfers between accounts linked to the same program_id. Customers can link their external bank accounts with an account in the Bond platform. ACH fund transfers between an account and an external account can take up to a few days to clear.

The '/transactions` API fetches balances and details of fund transfers for all accounts.

API Fields

Bond APIs use identifiers to represent resources. Bond provides two of these identifiers when you sign up; others are generated when you execute API requests to create resources. Some identifiers are required parameters for multiple API endpoints.

The table below provides a quick reference for API fields that are used frequently across the Bond platform.

API field




Identifies your brand organization.

Provided by Bond when your organization signs up.


Card program ID represents the card program offered to customers by your brand in partnership with a bank.

Provided by Bond when your organization signs up.


Represents a customer resource.

Generated when you Create a customer.


Represents a customer's account. The customer's cards are linked to this account.

Generated when you create an account.


Represents a customer's card.

Generated when you create a card.


An account ID for linking external providers, for example, Plaid.

Generated during the linking external accounts process.
Used in accounts and transfers endpoints.


Bond's identifier for a customer's linked external account.

Created when you generate a Plaid Link token when linking external accounts.

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