Troutwood API integration services (financial plan / OpenFinance)

Plan modeling API

Wraps Troutwood's "MODEL" workflow: post a candidate career, location, investment type and student-loan amount, get back a model budget based on actual cost-of-living, the likelihood score and the proprietary adequacy score. Use it to embed a plan-builder inside an HR portal, a campus financial-wellness page, or a credit-union onboarding flow.

Plan implementation API

Mirrors the "BUILD" and "IMPLEMENT" stages — converts a hypothetical plan into an actual plan, persists the user's Five Shields of Financial Security state and exposes My Dashboard progress events so partner systems can trigger nudges, advisor outreach, or rewards.

Budget & statement export

Returns paged transactions, categories and budget-vs-actual deltas (the data surfaced after the September 2025 smarter-budgeting release). JSON, CSV and Excel encodings; from-date / to-date and category filters; safe to feed into reconciliation, ERP or BI tooling.

Investment tracking endpoint

Separated investment activity by account, asset class and performance — the same shape introduced in the unified dashboard release. Useful for advisor PRO consoles that need a holistic view across multiple Plaid-linked institutions.

Engagement & gamification feed

Achievements, streaks and Team Challenges (released April 9, 2025) emitted as a webhook stream. Lets sponsoring employers and unions plug Troutwood progress into their internal recognition platforms or wellness scoring.

Advisor co-planning bridge

For RIA and broker-dealer back-offices: an authorized link between Troutwood's advisor dashboard and downstream CRM / planning suites, so client goal achievement and modeling outputs flow into existing books-of-business without manual export.

1. Employer-sponsored wellness ROI

Business context: An HR team distributes Troutwood PRO through a benefits portal and needs to prove ROI to leadership. Data / API involved: Engagement feed (achievements, streaks), aggregated Save First progress, plan-completion counts. OpenData mapping: A consented, anonymized cohort export following an OpenFinance "data-recipient" pattern, scoped to the employer's seat list.

2. Advisor CRM co-planning sync

Business context: An RIA wants client plans built in Troutwood to appear in its existing CRM/planning stack alongside MoneyGuidePro and NaviPlan plans. Data / API involved: Plan output endpoint, dashboard progress webhooks, advisor-client mapping. OpenData mapping: Bilateral OAuth-scoped consent so the advisor can mirror only the client books they already serve.

3. Campus financial-wellness program

Business context: A university uses Troutwood as part of a financial-literacy curriculum and needs program-level analytics. Data / API involved: Plan modeling API for class assignments, anonymized career/location pick distributions, course-cohort engagement events. OpenData mapping: Tiered scopes — student-level read-write for the user's own plan, cohort-aggregate read-only for staff.

4. Partner fintech reconciliation

Business context: A partner budgeting product wants to pre-populate user budgets from the user's Troutwood plan instead of asking them to start from scratch. Data / API involved: Model budget rows, Save First goal, Plaid-linked balances. OpenData mapping: An OpenFinance-style account-information service: read-only consented access with revocation and audit trail.

5. Compliance & audit export

Business context: A sponsoring credit union needs an evidentiary log that participants are actually building plans before paying for seats. Data / API involved: Plan creation and conversion events, hashed user identifiers, timestamps. OpenData mapping: A write-once, append-only audit feed satisfying GLBA Safeguards Rule recordkeeping requirements.

Deliverables checklist

• OpenAPI / Swagger specification for every endpoint
• Protocol and auth-flow report (OAuth, token refresh, sponsor-SSO)
• Runnable source for plan, budget and investment APIs (Python / Node.js)
• Plaid Multi-Item Link adapter and webhook handler skeleton
• Automated tests, sample payloads and Postman collection
• Compliance guidance (GLBA Safeguards, CCPA, GDPR for non-US users)

Auth flow snippet (pseudocode)

// Step 1 — sponsor-scoped OAuth
POST /oauth/v1/token
Content-Type: application/x-www-form-urlencoded

grant_type=authorization_code
&code=<ONE_TIME_CODE>
&client_id=<PARTNER_ID>
&code_verifier=<PKCE_VERIFIER>

// Response
{
  "access_token": "tw_at_...",
  "refresh_token": "tw_rt_...",
  "scope": "plan.read budget.read investments.read",
  "expires_in": 3600
}

Financial plan export (pseudocode)

GET /api/v1/troutwood/plan/current
Authorization: Bearer <ACCESS_TOKEN>
X-Sponsor-Id: acme-employer

// Response
{
  "plan_id": "pln_29a8",
  "user_ref": "u_hash_4f12",
  "save_first": { "amount": 18500, "currency": "USD" },
  "likelihood_score": 0.74,
  "adequacy_score": 0.61,
  "career": "RN",
  "location": "Cleveland, OH",
  "student_loan_balance": 32000,
  "five_shields_state": ["emergency_fund","insurance"],
  "updated_at": "2026-04-15T18:22:11Z"
}

Budget statement webhook (pseudocode)

POST https://partner.example/webhooks/troutwood
X-TW-Signature: t=1714400000,v1=...

{
  "event": "budget.transaction.posted",
  "plan_id": "pln_29a8",
  "txn": {
    "id": "txn_8821",
    "amount": -42.18,
    "category": "groceries",
    "plaid_item_id": "itm_9911",
    "posted_at": "2026-04-28T13:02:00Z"
  },
  "delta_vs_budget": -3.4
}

// Recommended: verify signature, dedupe by txn.id,
// reject if event timestamp drift > 5 minutes.

Compliance & privacy

Troutwood handles non-public personal information (NPI) under US scope, so any integration we ship is designed against the Gramm-Leach-Bliley Act (GLBA) Safeguards Rule and Financial Privacy Rule: written security plan, encryption in transit and at rest, access logging, and consumer notice obligations. For California participants we map to CCPA data-subject rights; for sponsoring organizations operating internationally we add GDPR-aligned consent capture and right-to-erasure flows. Where Plaid is the underlying account-aggregation provider, we honour the OpenFinance / 1033 data-sharing principles surfaced through Plaid's open-banking APIs and propagate consent revocation downstream.

Data flow / architecture

A typical pipeline looks like: Troutwood mobile/web app → authorized partner API gateway → message queue (Kafka / SQS) → analytical store (BigQuery / Snowflake) → downstream consumers (advisor CRM, BI, employer dashboard). A parallel branch sends webhook events for transactions, plan changes and engagement signals to partners that need real-time reactions. Consent and audit data is written into an append-only ledger so revocations propagate within minutes and every read can be traced back to a scope and a sponsor.

About our studio

We are an independent technical studio focused on App interface integration and authorized API integration. Our engineers come from banks, fintech platforms, mobile-protocol analysis and cloud infrastructure, with hands-on experience shipping financial-data pipelines under regulatory pressure. We work mostly with overseas clients who need US-style financial APIs (planning, budgeting, investments, OpenFinance) wired into ERP, CRM, BI and advisor stacks.

• Personal finance and OpenFinance API integration
• Plaid / Akoya / 1033 data-sharing patterns
• Custom Python / Node.js / Go SDKs and test harnesses
• End-to-end pipeline: protocol analysis → build → validation → compliance
• Source code delivery from $300 — runnable API source code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — call our hosted endpoints and pay only for what you use, no upfront cost

Contact

For quotes or to submit your target app and requirements, open our contact page:

Contact page

Engagement models: source-code delivery (one-off, from $300) or pay-per-call hosted API. Both come with documentation, test plans and compliance guidance.

Engagement workflow

1. Scope confirmation: integration scenarios and API needs (plan export, budget sync, investment tracking, engagement webhooks).
2. Protocol analysis and API design (2–5 business days, complexity-dependent).
3. Build and internal validation against staging Troutwood and Plaid sandbox accounts (3–8 business days).
4. Documentation, sample payloads and test cases — including a Postman collection (1–2 business days).
5. Typical first delivery: 5–15 business days; sponsor-side approvals or new compliance reviews may extend timelines.

FAQ

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