Create account

Creates a KYC entity and bank account. PII is passed through to the banking provider — never stored in the gateway. An account creation fee (account_creation_cents) is charged if configured.

List accounts

Returns all accounts for the authenticated owner. Each account includes a live balance (cents) and currency.

Get account

Returns account details with live balance, interest ticker, and daily transfer/funding limits with usage.

Update account (label, external_id, freeze/unfreeze)

Update account metadata or change status between OPEN and FROZEN. Freezing an account disables all active cards on Increase. Unfreezing re-enables them. Closed accounts cannot be modified.

Close account

Create sub-account

Creates a sub-account under the treasury entity with an account number. No KYC required, no card issued, no funding.

Provision sub-account + card

Creates a sub-account under the treasury entity, issues a virtual card, and returns both. No KYC required.

Get routing and account number

Returns the routing number and account number for inbound ACH/wire deposits.

Get account analytics

Returns account-scoped metrics: live balance, card count, transfer count, transaction volume, funded total, interest accrual data (for a real-time ticker), and daily time-series. Use ?days= to control history window (default 30, max 365) and ?metric= to select the series (balance, volume, funded).