Glossary

A

Access Token
A short-lived JWT (30-minute lifetime) used to authenticate requests to private API endpoints. Issued by POST /auth/signin or PUT /token-exchange. Refresh it with POST /auth/refresh.

Account Manager
Also called an Advisor. A platform operator who manages a portfolio of individual users, sends invitations, and monitors onboarding status. Account managers authenticate with "roles": ["advisor"].

ACH (Automated Clearing House)
A US electronic funds transfer network used to move money between TAPP Cash accounts and external bank accounts. TAPP Cash supports both ACH pull (inbound) and ACH push (outbound).

B

BaaS (Banking as a Service)
The underlying financial infrastructure provider. TAPP Cash uses a BaaS partner (e.g., Plaid) to handle external account linking and ACH transfers.

Bearer Token
The authentication scheme used by TAPP Cash. Pass your accessToken in the Authorization header as Authorization: Bearer <token>.

Branch
The organizational unit an account manager belongs to. Individuals are invited and managed within a branch.

I

Individual User
An end user who holds TAPP Cash accounts. Individuals complete an onboarding flow (steps 1–10) after receiving an invitation from an account manager.

Invitation Token
A short-lived token included in the invitation email sent to a new individual. Used in step 1 (validate token) and step 3 (accept invitation) of onboarding.

K

KYC (Know Your Customer)
The identity verification process required for regulatory compliance. Individual users submit KYC information in step 9 of onboarding. Verification is processed asynchronously.

P

Pending
A transaction or transfer status meaning the request has been submitted but not yet processed. Both TBA and ACH transfers start in pending before moving to executed or rejected.

R

Refresh Token
A long-lived token (30-day lifetime) used to obtain a new accessToken without requiring the user to re-login. Pass it to POST /auth/refresh.

Role
Determines which endpoints a token can access. TAPP Cash has two roles: advisor (account manager) and individual. Specified during sign-in via the roles field.

T

TBA (Transfer Between Accounts)
An internal transfer between two accounts belonging to the same individual user. Both accounts are TAPP Cash accounts. Always preview before submitting — the preview calculates fees.

Temporary Access Token
A restricted token issued at step 3 of individual user onboarding (POST /invites/accept). Valid only for the limited onboarding endpoints (steps 4–9) until exchanged for a full access token at step 10.

W

W9
A US tax form (Request for Taxpayer Identification Number) that individual users must certify during onboarding. Users acknowledge the W9 terms in step 4 and submit the certification data in step 9.