Glossary

Definitions for key terms used throughout the TAPP Cash API documentation.

A

Access Token
A short-lived credential issued after a user completes onboarding, used to authenticate requests to private API endpoints on behalf of that user.

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).

Advisor
The front-line admin role. An Advisor invites and manages a portfolio of Individual and Business Owner clients, monitors their accounts and transfers, and has access to client reports.

Auto-Payment
A recurring scheduled transfer set up by a client or Operator. Runs automatically on the configured frequency (e.g. monthly). Requires the autoPay permission for Operators.

B

BaaS (Banking as a Service)
The underlying financial infrastructure provider. TAPP Cash uses a BaaS partner to handle external account linking and ACH transfers. The BaaS auth token is required to initialize the Plaid Link session.

Bearer Token
An authorization header scheme used by some client-facing endpoints. For server-to-server integration, authentication uses X-Session-Id and X-Client-Id headers instead — see Authentication.

Branch
The organizational unit that groups Advisors and their client portfolios. Every Advisor belongs to exactly one branch. Branch Managers configure approval settings per branch.

Branch Manager
An admin role that manages Advisors within a branch and configures transfer approval settings. Can require their sign-off on client transfer requests before they execute.

Business Owner
A client-facing role for business entities. Business Owners complete KYB verification, hold business accounts, initiate transfers, and can invite Operators to manage their accounts on their behalf.

H

Head Branch Manager
An admin role that manages Advisors across branches and has full oversight of all client portfolios, transfers, and reports. Also called Super Advisor in internal systems.

I

Individual
A client-facing role for personal account holders. Individuals complete KYC verification, hold checking and savings accounts, and can initiate TBA and ACH transfers.

Invitation Token
A short-lived token included in the invitation email sent to a new client (Individual, Business Owner, or Operator). Used in step 1 (validate token) and step 3 (accept invitation) of onboarding.

K

KYB (Know Your Business)
The business identity verification process required for Business Owner accounts. Business Owners submit entity details and beneficial ownership information. Verified asynchronously by the TAPP Cash compliance team.

KYC (Know Your Customer)
The personal identity verification process required for Individual accounts and Operators. Submitted during onboarding and verified asynchronously.

O

Operator
A team member invited by a Business Owner to manage business accounts on their behalf. Operators complete KYC verification and are granted specific permissions (transferFunds, autoPay) by the Business Owner.

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

Session
A server-to-server authentication credential (sessionId) obtained by calling POST /entrypoint/org/v1/sessions with a clientId and clientSecret. Valid for 24 hours. Pass it in the X-Session-Id header on every authenticated request.

Role
Determines which endpoints a token can access. TAPP Cash has seven roles: root (Root Advisor), superadvisor (Head Branch Manager), branchmanager (Branch Manager), advisor (Advisor), businessowner (Business Owner), individual (Individual), and businessoperator (Operator). Calling an endpoint outside your role returns 403 Forbidden.

Root Advisor
The highest admin tier. Created during organization onboarding. Manages the organization's entire structure — branches, all admin tiers, and has full visibility across all client portfolios and reports.

T

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

Temporary Access Token
A restricted token issued at step 3 of client onboarding (POST /invites/accept). Valid only for the limited onboarding endpoints until exchanged for a full access token via POST /users/private/v1/limited/token-exchange.

Transfer Request
A pending money movement initiated by a client. Depending on branch approval settings, a transfer request may require Branch Manager sign-off before executing.

W

W9
A US tax form (Request for Taxpayer Identification Number) that Individual users must certify during onboarding. Users acknowledge the W9 terms and submit the certification data during the registration flow.