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This documentation describes the data export format for loading into your data platform. The export includes portfolio snapshots and all financial activities for each export date.

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Overview

The data export provides a comprehensive snapshot of user portfolios and all financial activities that occurred on a specific date. This data is designed for data platform integration and enables you to:
  • Track portfolio valuations over time
  • Analyse user financial activity patterns
  • Generate reports and analytics
  • Build dashboards and visualizations

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Export Structure

Each export contains three main sections: 
{
  "metadata": { ... },
  "snapshots": [ ... ],
  "activity": { ... }
}

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Metadata

The metadata section contains export timing and version information:
  • initiatedAt: When the export process started (ISO 8601 timestamp)
  • exportedAt: When the export was completed (ISO 8601 timestamp)
  • schemaVersion: Schema version for compatibility tracking (semantic versioning)

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Snapshots

The snapshots array contains end-of-day portfolio state for each user. Each snapshot includes:
  • User identification: userId and email
  • Valuation: Portfolio components (cash, savings, holdings, total) with values and currencies
  • Portfolio: Individual asset holdings with quantities, prices, and performance metrics

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Activity

The activity section contains all financial activities that occurred on the export date, organized by type:
  • Transactions: All transaction activities (investments, deposits, withdrawals, savings)
  • Investment Orders: Buy/sell orders for investment assets
  • Savings Orders: Top-ups and withdrawals for savings products
  • Automations: Recurring investment and savings automations
  • Bank Accounts: Bank account registrations and updates

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Data Model

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Snapshot Structure

Each snapshot represents a user’s portfolio state at end-of-day:
Each snapshot includes minimal user identification:
  • userId: Unique user identifier
  • email: User’s email address
The valuation object contains four portfolio components:
  • cash: Available cash balance (value + currency)
  • savings: Money Market Funds balance with interest details (value + currency + unrealisedMonthlyInterest + dailyInterest)
  • holdings: Investment holdings value with daily performance (value + currency + upBy/downBy)
  • total: Total portfolio value with daily performance (value + currency + upBy/downBy)
All values are in euros (major currency units), not cents.
The portfolio array contains individual asset holdings:
  • assetId: Asset identifier (e.g., ‘equities_apple’, ‘etf_vwce’)
  • isin: International Securities Identification Number
  • quantity: Number of shares/units held
  • latestPrice: Price per unit (amount + currency)
  • holdingWeightPercentage: Percentage weight in portfolio
  • dailyReturnPercentage: Daily return percentage for the asset

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Activity Structure

All activity items include an owner field (user identifier) to link them to users in snapshots.
Transaction activities represent all financial movements:Activity Types:
  • Investment: Buy, Sell, Rebalance, Dividends
  • Cash: Deposit, Withdraw
  • Savings: CashToSavings, SavingsToCash, SavingsInterest
Fields:
  • owner: User identifier
  • activityType: Type of activity
  • createdAt, updatedAt: Timestamps
  • status: Transaction status
  • currency: ISO 4217 currency code
  • amount: Amount in euros
  • bankAccount: Bank account ID (only for Deposit/Withdraw)
  • details: Optional details (savingsProductId, orders array)
Investment orders represent buy/sell orders for investment assets:Fields:
  • id, owner, transactionId
  • isin, assetId: Asset identification
  • side: Buy or Sell
  • status: Pending, Matched, Rejected, Settled, Cancelled
  • quantity: Number of shares/units
  • consideration: Amounts (amount, amountSubmitted, originalAmount)
  • fees: Fee breakdown (fx, commission, executionSpread, realtimeExecution)
  • unitPrice: Price per unit at settlement
  • exchangeRate: Exchange rate used (if applicable)
  • createdAt, updatedAt, filledAt, marketSettledAt: Timestamps
Savings orders represent top-ups and withdrawals for savings products:Fields:
  • id, owner
  • side: “buy” (top-up) or “sell” (withdrawal)
  • status: Pending, Matched, Rejected, Settled, Cancelled
  • currency: ISO 4217 currency code
  • amount: Amount in euros
  • savingsProductId: Savings product identifier (e.g., ‘mmf_dist_eur’)
  • createdAt, updatedAt, settledAt: Timestamps
Automations represent recurring investment or savings top-ups:Fields:
  • id, owner
  • category: TopUpAutomation or SavingsTopUpAutomation
  • status: Active, Inactive, Pending
  • frequency: Monthly (currently only option)
  • dayOfMonth: Day of month for execution
  • currency, amount: Recurring amount
  • allocationMethod: Holdings allocation (for TopUpAutomation)
  • savingsProduct: Savings product (for SavingsTopUpAutomation)
  • mandate: Direct debit mandate details
  • createdAt, updatedAt: Timestamps
Bank accounts represent registered bank accounts:Fields:
  • id, owner
  • accountName: Account label/name
  • accountNumber: IBAN format account number
  • bankName: Bank name (optional)
  • holderName: Account holder name (optional)
  • status: pending_verification, active, disabled
  • createdAt, updatedAt: Timestamps

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Data Formats

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Amounts

All monetary amounts are stored in euros (major currency units), not cents. Examples:
  • €500.00 is represented as 500.00
  • €1,250.50 is represented as 1250.50

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Currency Codes

All currencies use ISO 4217 three-letter codes:
  • EUR - Euro
  • GBP - British Pound
  • USD - US Dollar

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Dates and Timestamps

  • Dates: ISO 8601 date format (YYYY-MM-DD)
  • Timestamps: ISO 8601 datetime format (YYYY-MM-DDTHH:mm:ss.sssZ)

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Status Values

  • PendingTopUp - Waiting for top-up to settle
  • PendingReinvestment - Waiting for reinvestment
  • PendingDeposit - Waiting for deposit
  • Pending - Transaction pending
  • Cancelled - Transaction cancelled
  • Rejected - Transaction rejected
  • Settled - Transaction settled
  • Pending - Order created but not matched
  • Matched - Order matched but not settled
  • Settled - Order fully settled
  • Rejected - Order rejected
  • Cancelled - Order cancelled
  • pending_verification - Account pending verification
  • active - Account active and verified
  • disabled - Account disabled
  • Active - Automation is active
  • Inactive - Automation is inactive
  • Pending - Automation is pending activation

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Example Export

{
  "metadata": {
    "initiatedAt": "2025-01-16T01:00:00.000Z",
    "exportedAt": "2025-01-16T02:00:00.000Z",
    "schemaVersion": "1.0.0"
  },
  "snapshots": [
    {
      "user": {
        "userId": "user_123",
        "email": "[email protected]"
      },
      "valuation": {
        "cash": {
          "value": 500.00,
          "currency": "EUR"
        },
        "savings": {
          "value": 1000.00,
          "currency": "EUR",
          "unrealisedMonthlyInterest": "12.50",
          "dailyInterest": "0.42"
        },
        "holdings": {
          "value": 2500.00,
          "currency": "EUR",
          "upBy": "12.50"
        },
        "total": {
          "value": 4000.00,
          "currency": "EUR",
          "upBy": "15.00"
        }
      },
      "portfolio": [
        {
          "assetId": "equities_apple",
          "isin": "US0378331005",
          "quantity": 50,
          "latestPrice": {
            "amount": 175.50,
            "currency": "EUR"
          },
          "holdingWeightPercentage": 62.5,
          "dailyReturnPercentage": 0.5
        }
      ]
    }
  ],
  "activity": {
    "transactions": [
      {
        "owner": "user_123",
        "activityType": "Buy",
        "createdAt": "2025-01-15T10:30:00.000Z",
        "updatedAt": "2025-01-15T14:20:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 250.00,
        "details": {
          "orders": [
            {
              "isin": "IE00BK5BQT80",
              "side": "Buy",
              "quantity": 10,
              "consideration": {
                "amount": 250.00,
                "currency": "EUR"
              }
            }
          ]
        }
      },
      {
        "owner": "user_123",
        "activityType": "Sell",
        "createdAt": "2025-01-15T11:00:00.000Z",
        "updatedAt": "2025-01-15T13:00:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 150.00,
        "details": {
          "orders": [
            {
              "isin": "US0378331005",
              "side": "Sell",
              "quantity": 5,
              "consideration": {
                "amount": 150.00,
                "currency": "EUR"
              }
            }
          ]
        }
      },
      {
        "owner": "user_123",
        "activityType": "Rebalance",
        "createdAt": "2025-01-15T08:00:00.000Z",
        "updatedAt": "2025-01-15T16:00:00.000Z",
        "status": "Settled",
        "details": {
          "orders": [
            {
              "isin": "IE00BK5BQT80",
              "side": "Buy",
              "quantity": 15,
              "consideration": {
                "amount": 375.00,
                "currency": "EUR"
              }
            },
            {
              "isin": "US0378331005",
              "side": "Sell",
              "quantity": 8,
              "consideration": {
                "amount": 125.00,
                "currency": "EUR"
              }
            }
          ]
        }
      },
      {
        "owner": "user_123",
        "activityType": "Dividends",
        "createdAt": "2025-01-15T09:30:00.000Z",
        "updatedAt": "2025-01-15T09:30:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 25.50,
        "details": {
          "orders": [
            {
              "isin": "IE00BK5BQT80",
              "side": "Buy",
              "quantity": 0,
              "consideration": {
                "amount": 25.50,
                "currency": "EUR"
              }
            }
          ]
        }
      },
      {
        "owner": "user_123",
        "activityType": "Deposit",
        "createdAt": "2025-01-15T09:00:00.000Z",
        "updatedAt": "2025-01-15T12:00:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 1000.00,
        "bankAccount": "bank_account_505",
        "details": null
      },
      {
        "owner": "user_123",
        "activityType": "Withdraw",
        "createdAt": "2025-01-15T11:00:00.000Z",
        "updatedAt": "2025-01-15T13:00:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 500.00,
        "bankAccount": "bank_account_505",
        "details": null
      },
      {
        "owner": "user_123",
        "activityType": "CashToSavings",
        "createdAt": "2025-01-15T08:00:00.000Z",
        "updatedAt": "2025-01-15T10:00:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 100.50,
        "details": {
          "savingsProductId": "mmf_dist_eur"
        }
      },
      {
        "owner": "user_123",
        "activityType": "SavingsToCash",
        "createdAt": "2025-01-15T14:00:00.000Z",
        "updatedAt": "2025-01-15T15:00:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 50.00,
        "details": {
          "savingsProductId": "mmf_dist_eur"
        }
      },
      {
        "owner": "user_123",
        "activityType": "SavingsInterest",
        "createdAt": "2025-01-15T00:00:00.000Z",
        "updatedAt": "2025-01-15T00:00:00.000Z",
        "status": "Settled",
        "currency": "EUR",
        "amount": 0.42,
        "details": {
          "savingsProductId": "mmf_dist_eur"
        }
      }
    ],
    "investmentOrders": [
      {
        "id": "order_789",
        "owner": "user_123",
        "transactionId": "txn_456",
        "isin": "IE00BK5BQT80",
        "assetId": "equities_apple",
        "side": "Buy",
        "status": "Settled",
        "quantity": 10,
        "consideration": {
          "amount": 250.00,
          "currency": "EUR",
          "amountSubmitted": 250.00,
          "originalAmount": 248.00
        },
        "fees": {
          "commission": {
            "amount": 2.00,
            "currency": "EUR"
          }
        },
        "unitPrice": {
          "amount": 25.00,
          "currency": "EUR"
        },
        "exchangeRate": null,
        "createdAt": "2025-01-15T10:30:00.000Z",
        "updatedAt": "2025-01-15T14:20:00.000Z",
        "filledAt": "2025-01-15T11:15:00.000Z",
        "marketSettledAt": "2025-01-15T14:20:00.000Z"
      }
    ],
    "savingsOrders": [
      {
        "id": "savings_order_202",
        "owner": "user_123",
        "side": "buy",
        "status": "Settled",
        "currency": "EUR",
        "amount": 100.50,
        "savingsProductId": "mmf_dist_eur",
        "createdAt": "2025-01-15T08:00:00.000Z",
        "updatedAt": "2025-01-15T10:00:00.000Z",
        "settledAt": "2025-01-15"
      }
    ],
    "automations": [
      {
        "id": "automation_303",
        "owner": "user_123",
        "category": "TopUpAutomation",
        "status": "Active",
        "frequency": "monthly",
        "dayOfMonth": 15,
        "currency": "EUR",
        "amount": 500.00,
        "allocationMethod": "holdings",
        "mandate": {
          "id": "mandate_404",
          "status": "Active",
          "bankAccountId": "bank_account_505"
        },
        "createdAt": "2025-01-15T07:00:00.000Z",
        "updatedAt": "2025-01-15T07:00:00.000Z"
      }
    ],
    "bankAccounts": [
      {
        "id": "bank_account_505",
        "owner": "user_123",
        "accountName": "Main Account",
        "accountNumber": "GB82WEST12345698765432",
        "bankName": "Test Bank",
        "holderName": "John Doe",
        "status": "active",
        "createdAt": "2025-01-15T06:00:00.000Z",
        "updatedAt": "2025-01-15T06:00:00.000Z"
      }
    ]
  }
}

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JSON Schema

The complete JSON Schema definition is available for download and validation:

Download Schema

Download the complete JSON Schema file for data exports. Use this schema to validate exported data or integrate with your data platform tools.

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Schema Versioning

Schema versions follow semantic versioning (MAJOR.MINOR.PATCH):
  • MAJOR: Breaking changes (structure changes, removed fields)
  • MINOR: New optional fields added
  • PATCH: Documentation updates, clarifications
The metadata.schemaVersion field indicates the schema version used for each export. Monitor this field to handle schema evolution in your data platform.