Funding & Transfers - Buildmarkets

Overview

The Money Movement APIs enable users to “link external bank accounts to a brokerage account, initiate deposits and withdrawals via ACH, and retrieve the full funding activity history.”

Key Process Flow

The funding workflow involves four main steps:

Creating an ACH relationship to connect a bank account
Initiating deposits to move money into the brokerage account
Waiting for cash settlement to establish buying power
Placing trades and initiating withdrawals as needed

Core Endpoints

Seven primary API endpoints manage funding operations:

Method	Endpoint	Purpose
POST	`/v1/accounts/{accountId}/ach-relationships`	Link bank accounts
GET	`/v1/accounts/{accountId}/ach-relationships`	View linked accounts
DELETE	`/v1/accounts/{accountId}/ach-relationships/{achId}`	Remove bank links
POST	`/v1/accounts/{accountId}/funding/deposits`	Start ACH deposits
POST	`/v1/accounts/{accountId}/funding/withdrawals`	Start ACH withdrawals
GET	`/v1/accounts/{accountId}/funding/activity`	View all transactions
GET	`/v1/accounts/{accountId}/funding/activity/{activityId}`	View single transaction

Settlement & Status Information

ACH relationships progress through statuses: pending, approved, rejected, and cancelled. Funding activities track transfer progress with statuses: pending, sent, completed, cancelled, returned, and failed. Production ACH transfers typically complete within “1–3 business days,” while sandbox environments process instantly.