financial_account

A financial account — bank account, credit card, or investment account. Inherits platform identity fields from account. Financial-specific fields (balance, credit limit, card type) live here, not on the generic account shape.

Metadata	Value
Plural	`financial_accounts`
Subtitle field	`last4`
Also	`account`

Fields

Field	Type
`accountNumber`	`string`
`routingNumber`	`string`
`last4`	`string`
`balance`	`number`
`available`	`number`
`creditLimit`	`number`
`minimumPayment`	`number`
`paymentDueDate`	`datetime`
`cardType`	`string`
`expiresAt`	`datetime`
`interestRate`	`number`

Inherited

From account:

Field	Type
`accountType`	`string`
`bio`	`text`
`color`	`string`
`displayName`	`string`
`email`	`string`
`handle`	`string`
`identifier`	`string`
`isActive`	`boolean`
`issuer`	`string`
`joinedDate`	`datetime`
`lastActive`	`datetime`
`phone`	`string`

Relation	Target
`followers`	`account[]`
`follows`	`account[]`
`owner`	`person`
`platform`	`product`

Prior art

External standards this shape draws from or aligns with. See Shape design principles for how prior art informs shape design.

OFX (Open Financial Exchange) — Bank-feed canonical. Our accountNumber/routingNumber/balance/ available map to OFX BANKACCTFROM/LEDGERBAL/AVAILBAL.
ISO 20022 Financial Messaging — Modern bank-messaging standard. Our last4/cardType/creditLimit/ interestRate align with ISO 20022 Card/Account components.
schema.org/BankAccount — Our accountNumber ≈ accountId; balance/available are accountMinimumInflow/accountOverdraftLimit loosely; cardType fits schema.org/CreditCard.