Wealth Management

“Buildmarkets is flexible enough to power a wide range of embedded investing products.” This documentation explores integration patterns to clarify which API capabilities align with your needs before development begins.

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Use case matrix

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1. Embedded brokerage app

Scenario: You’re building a consumer fintech app and want to add an “Invest” tab that lets users open a brokerage account, fund it, and trade stocks and ETFs. What you’ll build:

1. Collect KYC data and open a brokerage account — POST /v1/accounts
2. Link the user’s external bank account via ACH — POST /v1/accounts/{accountId}/ach-relationships
3. Initiate an initial cash deposit — POST /v1/accounts/{accountId}/funding/deposits
4. Display a stock or ETF search using reference data — POST /v1/marketdata/reference/symbol-details
5. Place a market or limit order — POST /v1/accounts/{accountId}/orders
6. Display the portfolio — balances and open positions — GET /v1/accounts/{accountId}/balances + GET /v1/accounts/{accountId}/positions

Key account fields:

• account_type: "individual"
• investment_profile
• agreements

Key order fields:

• symbol
• asset_class (equity or etf)
• order_type
• side
• quantity or notional
• client_order_id

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2. Advisor-managed accounts

Scenario: You operate a wealth management platform where registered advisors manage portfolios on behalf of clients. What you’ll build:

1. Open a client account with advisor metadata — POST /v1/accounts
2. Fund the client account via ACH — POST /v1/accounts/{accountId}/funding/deposits
3. Place and manage orders on the client’s behalf — POST /v1/accounts/{accountId}/orders
4. Modify or cancel working orders — PATCH / DELETE /v1/accounts/{accountId}/orders/{orderId}
5. Monitor portfolio value across all client accounts — GET /v1/accounts/{accountId}/balances + GET /v1/accounts/{accountId}/positions
6. Receive real-time fill confirmations via webhook — POST /v1/webhooks

Key account fields:

• discretionary_account: true (grants the advisor full trading authority)
• registered_rep_code (associates with a registered representative)
• advisor_code (associates with a specific advisor)

Key order fields:

• Use client_order_id on every order to prevent duplicate submissions. Orders support market
• limit
• stop
• and stop_limit types for equities and ETFs

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3. Robo-advisor / automated investing

Scenario: You’re building an automated investing product where users define goals and risk tolerance and your system manages their portfolio using rules-based logic. What you’ll build:

1. Open an account capturing detailed suitability data — POST /v1/accounts
2. Enable automatic dividend reinvestment — dividend_reinvestment: true on account creation
3. Fund accounts on a recurring schedule via ACH — POST /v1/accounts/{accountId}/funding/deposits
4. Submit dollar-based orders to implement your allocation model — POST /v1/accounts/{accountId}/orders with notional
5. Rebalance by cancelling and replacing working orders — DELETE + POST /v1/accounts/{accountId}/orders
6. React to order fill events to trigger the next rebalancing step — POST /v1/webhooks (subscribe to order events)

Key account fields:

• investment_profile.risk_tolerance (conservative
• moderate
• aggressive)
• investment_profile.investment_objective (e.g. growth
• income
• capital_preservation)
• investment_profile.time_horizon (short
• average
• long)
• dividend_reinvestment (auto-reinvests dividends into the same security)

Key order fields:

• Use notional (dollar amount) instead of quantity (share count) for dollar-cost averaging. Supports gtc (good-till-cancelled) time-in-force for limit-based allocation strategies

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4. Challenger bank with investing

Scenario: You run a challenger bank and want to offer integrated stock and ETF trading alongside your existing deposit accounts. What you’ll build:

1. Open a brokerage account tied to your existing user record — POST /v1/accounts with corr_metadata
2. Link your bank’s account as the funding source — POST /v1/accounts/{accountId}/ach-relationships
3. Power market data widgets — quotes, logos, news — GET /v1/marketdata/real-time/{symbol}, /logos/{symbol}, /news/{symbol}
4. Let users place orders from within your banking UI — POST /v1/accounts/{accountId}/orders
5. Sync order and funding status back to your core system — POST /v1/webhooks
6. Retrieve execution reports for internal reconciliation — GET /v1/accounts/{accountId}/orders/{orderId}/executions

Key account field:

• corr_metadata — a freeform string (up to 255 chars) for storing your internal user or account ID alongside the Buildmarkets account. Makes it easy to look up the Buildmarkets account from your system without maintaining a separate mapping table

Key market data endpoints:

• Real-time prices
• company profiles
• stock logos
• and news feeds are all available at the partner level — no account context required. Ideal for powering discovery and watchlist UIs

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5. Employee investment benefits

Scenario: You’re an HR or benefits platform and want to offer employees a brokerage account as a workplace benefit, funded via payroll integration. What you’ll build:

1. Open accounts with employer and employee metadata — POST /v1/accounts with corr_metadata, registered_rep_code
2. Set up ACH relationships linked to employee bank accounts — POST /v1/accounts/{accountId}/ach-relationships
3. Initiate recurring payroll-linked deposits — POST /v1/accounts/{accountId}/funding/deposits
4. Offer a curated investment menu using sector and security reference data — GET /v1/marketdata/reference/sectors, POST /v1/marketdata/reference/sector-symbols
5. Deliver tax documents and statements to employees by email — POST /v1/documents/email
6. Retrieve year-end documents including W-9s — POST /v1/documents/w9, POST /v1/documents/list

Key market data endpoints:

• Use the equity security master (POST /v1/marketdata/reference/equity-security-master) and sector-symbols (POST /v1/marketdata/reference/sector-symbols) to build a curated fund menu scoped to specific industries or sectors rather than exposing the entire universe of tradable securities

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Common integration patterns

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Webhooks over polling

“For operational state changes — account KYC approval, order fills, deposit settlements — use webhooks rather than polling.” Configure a webhook endpoint via POST /v1/webhooks and subscribe to the specific event types you need. Polling is acceptable for UI-driven reads like balances and positions. See Webhooks Overview for the full event catalog and delivery guarantees.

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Idempotency with client_order_id

Pass a client_order_id on every POST /v1/accounts/{accountId}/orders request. If a network timeout forces a retry, Buildmarkets returns the existing order rather than creating a duplicate. A reliable scheme: {your-user-id}-{symbol}-{side}-{date}-{sequence}.

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Handling pending states

Use webhooks (or poll sparingly) to detect these transitions before presenting confirmations in your UI.

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corr_metadata for cross-system linking

“The corr_metadata field on an account is your bridge between Buildmarkets and your internal data model.” Store your internal user ID, account reference, or any structured string there at account creation. This eliminates the need for a separate ID-mapping database and makes cross-system lookups straightforward.

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Next steps

• Getting Started — Make your first API call end-to-end
• Account Opening — Full field reference for POST /v1/accounts
• Placing Orders — Order types, time-in-force, and idempotency
• Webhooks Overview — Event catalog and delivery configuration