> ## Documentation Index
> Fetch the complete documentation index at: https://docs.brale.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Create a new external financial institution

> Links an external bank account to the specified account (ACH, wire, etc.).

Use the playground below to try this endpoint directly, or review the OpenAPI details in the right panel.


## OpenAPI

````yaml POST /accounts/{account_id}/financial-institutions/external
openapi: 3.0.3
info:
  title: Brale Issuance and Orchestration API
  version: 2.3.1
  description: >
    Brale supports stablecoin issuance and orchestration, enabling businesses
    and

    ecosystems to create their own stablecoins and convert between fiat and
    stablecoins

    seamlessly. From stablecoin onramps, offramps, and swaps to custody and
    payouts, the

    Brale API makes it easy to build stablecoin-enabled products.


    NOTE: All resource IDs (including account_id, address_id,
    financial_institution_id,

    and automation_id) are KSUIDs—26-character alphanumeric strings that are
    sortable

    by time. Examples showing UUIDs are incorrect.



    **What's new in 2.3.1**

    - Unified **Addresses** model for on-chain and off-chain endpoints
      - `Transfers` now accepts **address_id only** (no financial_institution_id)
      - Optional `brand` object to control bank statement presentation (`branding` still accepted as legacy alias)
    - Added off-chain rails: `ach_credit`, `same_day_ach_credit`, `ach_debit`,
    `same_day_ach_debit`, `rtp-credit`

    - Plaid endpoints moved to `/accounts/{account_id}/plaid/*`

    - `Financial Institutions` marked **deprecated** (migration path to
    **Addresses**)

    - Create Account now uses `CreateManagedAccountRequest` with
    `beneficial_owners`, `business_controller`, and `EndUserTosAttestation`.

    - Transfers now accept `brand` (replaces `branding`, still aliased in docs).

    - Plaid endpoints updated to return `address_id` and accept
    `transfer_types`.

    - Off-chain Address creation uses `CreateExternalAddressRequest` oneOf with
    bank + blockchain variants.

    - FI endpoints kept but marked deprecated; use Addresses instead.

    - `rtp_credit` is the canonical RTP rail name.
servers:
  - url: https://api.brale.xyz
    description: Production server
security:
  - BearerAuth: []
tags:
  - name: Accounts
    description: Endpoints related to managing customer accounts (KYB, details, etc.)
  - name: Transfers
    description: >-
      Endpoints for creating and retrieving transfers (fiat to stablecoins,
      etc.)
  - name: Addresses
    description: >-
      On-chain and off-chain endpoints (custodial or external) represented by a
      single Addresses resource
  - name: Financial Institutions
    description: Legacy (deprecated) bank endpoints. Use Addresses instead.
  - name: Automations
    description: Automated deposit addresses or onramps
  - name: Plaid
    description: Bank linking and ACH debit via Plaid.
  - name: Orders
    description: Legacy tag used for transfers in older specs.
paths:
  /accounts/{account_id}/financial-institutions/external:
    post:
      tags:
        - Financial Institutions
      summary: Create a new external financial institution
      description: >-
        Links an external bank account to the specified account (ACH, wire,
        etc.).



        Deprecated. Use Addresses. Create an off-chain Address (ACH/Wire/RTP)
        and pass its `address_id` to Transfers. Plaid endpoints have moved to
        `/accounts/{account_id}/plaid/*`.
      operationId: createFinancialInstitution
      parameters:
        - name: account_id
          in: path
          required: true
          description: The ID of the account
          schema:
            $ref: '#/components/schemas/Ksuid'
        - in: header
          name: Idempotency-Key
          required: true
          schema:
            type: string
          example: idemp-123e4567-e89b-12d3-a456-426614174000
          description: >
            A unique string used to prevent duplicate operations. Each POST
            request must use a new idempotency key. Use a UUIDv4 string.
            Example: `idemp-123e4567-e89b-12d3-a456-426614174000`
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/FinancialInstitutionCreateRequest'
      responses:
        '201':
          description: Financial institution successfully created
          content:
            '*/*':
              schema:
                type: object
                properties:
                  id:
                    $ref: '#/components/schemas/Ksuid'
      deprecated: true
components:
  schemas:
    Ksuid:
      title: Kusid
      type: string
      format: ksuid
      pattern: ^[a-zA-Z0-9]{26}$
      example: 2VcUIIsgARwVbEGlIYbhg6fGG57
    FinancialInstitutionCreateRequest:
      title: FinancialInstitutionCreateRequest
      type: object
      properties:
        name:
          type: string
          example: Business Checking Account
        transfer_type:
          type: array
          items:
            type: string
          example:
            - ach
            - wire
        bank_details:
          $ref: '#/components/schemas/BankDetails'
      required:
        - name
        - transfer_type
        - bank_details
    BankDetails:
      title: Bank
      type: object
      properties:
        owner:
          type: string
          example: Jane Doe
        account_number:
          type: string
          example: '1234567890'
        routing_number:
          type: string
          example: 63108680
        name:
          type: string
          description: The name of the bank
          example: Example Bank
        address:
          $ref: '#/components/schemas/AccountAddress'
        account_type:
          type: string
          example: checking
      required:
        - owner
        - account_number
        - routing_number
        - name
        - account_type
    AccountAddress:
      title: AccountAddress
      type: object
      properties:
        street_line_1:
          type: string
          example: 123 Main St
        street_line_2:
          type: string
          example: Apt C
        city:
          type: string
          example: Des Moines
        state:
          type: string
          example: Iowa
        zip:
          type: string
          example: '12345'
      required:
        - street_line_1
        - city
        - state
        - zip
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: >
        Use the Bearer token returned from the Auth endpoint via OAuth2
        client_credentials flow. Include the token in the "Authorization: Bearer
        <token>" header.

````