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After a customer completes the Meld Connect Widget flow, you can begin fetching their financial data — balances, owners, identifiers, transactions, and investments. This section is for developers building backend integrations that listen for connection completion, wait for data to be available, and call Meld’s APIs to retrieve it.

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Before you begin

  • A connection has been created through Creating Connections
  • A webhook profile is configured so you receive lifecycle events — see Webhook Quickstart
  • Your backend has access to the customer’s connectionId or customerId

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Steps

  1. Review the widget emitted events. These tell you when a connection has been successfully completed or if there was an error during the flow.
  2. Understand when your data is available. Different products are aggregated on different timelines, and webhooks indicate when each is ready.
  3. Once your data is available, retrieve your connection data. This covers balances, owners, identifiers, transactions, and investments.
  4. Review the connection statuses and errors. As connections move out of ACTIVE, learn how to refresh, repair, or delete them in the next section.
The data Meld returns is normalized across providers — see Data Normalization for details on signage, categories, and investment types.

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Informing the user of the status

There will likely be a delay between your user completing the widget flow and you receiving webhooks indicating data is ready. This can be a few seconds for balance, identifier, and owner data, or several minutes for transactions on accounts with large histories. Show a loading state in your UI during this time so users don’t think the connection failed and try again.

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Endpoint quick reference

DataEndpointReference
Balances / Owners / IDsGET /bank-linking/financial-accountsRetrieving Connection Data
TransactionsGET /bank-linking/transactionsRetrieving Connection Data
Investment HoldingsGET /bank-linking/investment-holdingsRetrieving Connection Data
Investment TransactionsGET /bank-linking/investment-transactionsRetrieving Connection Data
Connections metadataGET /bank-linking/connectionsRetrieving Connection Data
Refer to the Bank Linking API reference for the complete request and response schema for each endpoint.