[bsiaotickchong]

Summary

• Adds optional ruleBasedAccountId to Transaction, so it appears on both IncomingTransaction and OutgoingTransaction. It's set only on the transaction that sweeps a deposit out of a RULE_BASED account.
• On those sweep transactions, source is now the party that made the deposit (REALTIME_FUNDING with the originator fields). It used to be an ACCOUNT source pointing at the rule-based account, which is now reported in ruleBasedAccountId instead. When no depositor is known, source falls back to that ACCOUNT source.
• Documents that the sandbox fund endpoint reports a placeholder ACH depositor on a rule-based sweep.

Example INCOMING_PAYMENT.COMPLETED for a sweep

{
  "source": {
    "sourceType": "REALTIME_FUNDING",
    "currency": "USD",
    "accountHolderName": "NORTHWIND TRADING LLC",
    "accountIdentifier": "****6789",
    "bankName": "Chase Bank",
    "bankIdentifier": "021000021",
    "paymentRail": "ACH",
    "remittanceInformation": "INV 4417",
    "traceNumber": "021000020123456"
  },
  "ruleBasedAccountId": "InternalAccount:019542f5-b3e7-1d02-0000-000000000011",
  "destination": { "destinationType": "ACCOUNT", "accountId": "InternalAccount:019542f5-b3e7-1d02-0000-000000000005" }
}

A given rail fills only one of endToEndId and traceNumber. RTP and FedNow use endToEndId; ACH and wire use traceNumber.

Test plan

• make build and make lint-openapi are clean.

🤖 Generated with Claude Code

Requested by @bsiaotickchong

📊 PR Presentation · commit 091ce29e68c095d3aaf474fbbd859ff078fd1ba1 · 2026-09-23

Original PR: #1066

[lightspark-bot]

• Add ruleBasedAccountId and report a sweep's depositor as its source #1069 👈 (View in Graphite)
• main

This stack of pull requests is managed by Graphite. Learn more about stacking.

[greptile-apps]

Confidence Score: 5/5

The additive schema and documentation changes appear safe to merge.

Summary

This PR extends the shared transaction contract with an optional ruleBasedAccountId for rule-based account sweeps and documents that sweep sources identify the original depositor through REALTIME_FUNDING.

• Adds the field to both incoming and outgoing transactions through their shared base schema.
• Documents the sandbox placeholder ACH depositor behavior.
• Keeps the source OpenAPI definitions and generated root and Mintlify bundles synchronized.

Diagram

%%{init: {'theme': 'neutral'}}%%
flowchart LR
  D[Depositor] --> R[Rule-based account]
  R --> S[Sweep transaction]
  S --> A[Destination account]
  D -. represented by .-> F["source: REALTIME_FUNDING"]
  R -. identified by .-> I["ruleBasedAccountId"]

Loading

_{Reviews (1) · Last reviewed commit: "Add ruleBasedAccountId to transactions a..."}

[vercel]

The latest updates on your projects. Learn more about Vercel for GitHub.

3 Skipped Deployments

Project	Deployment	Actions	Updated
grid-cards-demo	Ignored	Preview	Sep 23, 2026 11:24pm UTC
grid-flow-builder	Ignored	Preview	Sep 23, 2026 11:24pm UTC
grid-wallet-demo	Ignored	Preview	Sep 23, 2026 11:24pm UTC

[ls-bolt]

⚡ Revision log — updated in place, latest first.

Revision 1

• The ruleBasedAccountId description now says source is the depositor when known and the rule-based account otherwise, per @bsiaotickchong. make build rebundled the spec.

[mintlify]

Preview deployment for your docs. Learn more about Mintlify Previews.

Project	Status	Preview	Updated
Grid	🟢 Ready	View Preview	Sep 23, 2026, 11:25 PM