Funding
Active funding methods
No auth required. Returns which deposit rails are currently enabled (stripe, whop, ach, crypto, plaid). The frontend should use this to show/hide funding options.
Create funding session
Creates a checkout session using the platform's configured payment provider (Stripe or Whop). Returns 403 if the resolved provider is disabled. A percentage-based fee (card_funding_fee_bps) is applied with a $1 minimum.
Create Stripe checkout session
Creates a Stripe Checkout session for depositing funds. Returns 403 if Stripe funding is disabled (check GET /funding/methods). A percentage-based fee (card_funding_fee_bps) is applied with a $1 minimum.
Create Whop checkout session (disabled)
Currently disabled — returns 403. Check GET /funding/methods before calling. When enabled, creates a Whop checkout session for depositing funds.
Direct ACH funding (disabled)
Currently disabled — returns 403. Direct ACH funding via raw routing/account numbers is disabled for security. Use bank linking (Plaid) instead.
Get or create crypto deposit address (disabled)
Currently disabled — returns 403. When enabled, returns a USDC deposit address for the given blockchain. Check GET /funding/methods before calling.
Create Plaid Link token
Creates a short-lived Plaid Link token for the user to connect their bank account. Returns 403 if Plaid funding is disabled (check GET /funding/methods).
Exchange Plaid public token
Exchanges the temporary public_token from Plaid Link. Creates an Increase External Account with the bank details and immediately removes the Plaid connection. No Plaid credentials or bank numbers are stored. Returns 403 if Plaid is disabled.
List linked bank accounts
Returns all active bank accounts linked via Plaid for this account. Returns 403 if Plaid is disabled.
Deposit from linked bank
Initiates an ACH pull from a previously linked bank account into the Methods account. Returns 403 if Plaid is disabled.
Unlink bank account
Removes a linked bank account and archives the Increase External Account.