Check if a user is registered with Account Aggregators and has linked financial accounts
| Header | Type | Required | Description |
|---|---|---|---|
client_id | string | Yes | API key issued to your organisation for authentication |
client_secret | string | Yes | Secret API key for secure server-side authentication |
organisationId | string | Yes | Unique identifier assigned to your organisation |
appIdentifier | string | Yes | Unique identifier for your client application |
Content-Type | string | Yes | Must be set to application/json |
9876543210Validation: Must be exactly 10 numeric digitsconsent-uuid-12345["onemoney", "finvu"]Note: AA identifiers should be provided without the @ symbol"1.0.0""2025-11-25T10:30:00.000Z""550e8400-e29b-41d4-a716-446655440000"@ symbol).Example: "onemoney"true: User has a Virtual User Account (VUA) with this AAfalse: User is not registered with this AAnull: Unable to determine (check failed or timed out)true: User has linked one or more financial accountsfalse: User has not linked any accounts (or is not registered)null: Unable to determine (check failed or timed out)success: AA responded successfully with profile informationtimeout: AA did not respond within the configured timeout periodfailed: An error occurred during the check (see errorMessage)status is failed. Not present for successful or timed out requests.| AA | registrationStatus | hasLinkedAccounts | Interpretation |
|---|---|---|---|
| onemoney | true | true | User is registered and has linked accounts - can proceed directly to consent |
| finvu | false | false | User not registered - needs to complete AA registration first |
| anumati | null | null | Unable to determine - AA did not respond in time |
| Error | Cause | Resolution |
|---|---|---|
| Missing mobileNumber | mobileNumber field not provided | Include required field in request body |
| Invalid mobile format | Mobile number is not 10 numeric digits | Validate format before API call |
| Missing userConsentId | userConsentId field not provided | Include required field in request body |
| Authentication failed | Invalid or missing auth headers | Verify credentials in admin portal |
| No active AAs found | No AAs have profile API enabled | Contact support to enable AAs |
Promise.allSettled(), so the total response time is approximately equal to the slowest AA response (up to the timeout limit)status: "timeout"success, timeout, and failed statusesaaId filter to reduce unnecessary requests| Metric | Value |
|---|---|
| Limit | 1000 requests per time window |
| Remaining | Returned in X-RateLimit-Remaining header |
| Reset | Returned in X-RateLimit-Reset header |
Your unique client identifier provided by MoneyOne during FIU onboarding
Your confidential client secret provided by MoneyOne
Your organization's unique identifier in the FinPro system
Application-specific identifier for tracking API calls
Request body for checking user profile status across Account Aggregators.
The user's 10-digit mobile phone number to check against Account Aggregator databases. Format: 10 digits, numeric only, without country code prefix.
^[0-9]{10}$A unique consent identifier to be passed to AA calls. This is used by some AAs to track the profile check request.
1 - 100Optional array of AA identifiers to filter the check to specific Account Aggregators. If not provided, all enabled AAs are checked. AA identifiers should be provided without the @ symbol.
2 - 50Profile check completed successfully
Response containing profile check results from multiple Account Aggregators.