Balances & Holdings
/holdings
.
- https://api.quovo.com/v3/users/12345/holdings, Quovo user_id to see all holdings for an end user
- https://api.quovo.com/v3/connections/123456/holdings, connection_id to see all holdings for a given connection
- https://api.quovo.com/v3/accounts/1234567/holdings, account_id to see all holdings for a specific financial account
curl -X GET \ -H "Authorization: Bearer a724809d37d0a21b7e9257f45cee416f5aec61993ab4b09e" \ "https://api.quovo.com/v3/accounts/12345678/holdings"Quovo defines a holding as anything held in a financial account—securities such as stocks or mutual funds, as well as currency or cash. For cash accounts, we will return a holding with a symbol of CUR:USD. Note that foreign holdings will be returned in their local currencies.
Response Fields
The Response Fields
/holdings
endpoint contains both the basic information about the holding as well as some Quovo specific attributes. Every holding will have the standard Quovo identifiers, such as IDs for the holding, connection, account, and user. These identifiers should help you track the holding in the Quovo ecosystem.
Note: Holding IDs will change on every successful sync, so you can only use them to track holdings between syncs.
Personal Finance (Cash Account) Holdings
Personal finance accounts (checking, savings, credit cards, loans, etc) have fewer relevant Personal Finance (Cash Account) Holdings
/holdings
response fields. This is because they all “hold” cash and lack the complexity that come with investment positions. For these account types, the important fields are value , price , and quantity . The value of the holding is the present balance of the account, or balance without including pending transactions. If you add the value of the pending transactions to the holding value , you will have the available balance of the account. You can view a complete breakdown of the /holdings
response fields in our reference docs.
Investment Holdings
Investment accounts (brokerage, IRA, 401k, etc) have more relevant fields than personal finance accounts. This is because attributes such as fluctuating prices and asset classes are more important for investment accounts. Since the first institutions that Quovo aggregated data from were investment institutions, the breadth of our offering for these institutions is a major differentiator from other aggregators.
To see the overall balance and amount of investment holdings:
Investment Holdings
- Holding value is found in the value field, and is calculated by multiplying quantity and price
- Quantity is the number of shares held, as reported by the financial institution
- Price is the price per unit of a holding, either retrieved from the Quovo security master or as reported by the financial institution
- Basic_asset_class is a grouping of securities that have a similar structure in the marketplace (“Equity” or “Fixed Income”)
- The holding type is the vehicle that is used for the investment (e.g., “ETF” or “Bond”)
{ "holdings": [ { "account_id": 12345678, "basic_asset_class": "Equity", "connection_id": 877247, "currency": null, "forex_rate": 1.0, "id": 237432133, "price": 53.54, "quantity": 9.0, "symbol": "MSFT", "symbol_name": "Microsoft Corporation", "type": "Equity", "type_confidence": "Very High", "user_id": 162703, "value": 481.86 } ] }
Insurance & Annuity Holdings
Insurance Policies and Annuity contracts have the same attributes. These are represented as single contracts and therefore the quantity and price format is slightly different than a normal investment product.
Insurance & Annuity Holdings
- We represent these contracts in the
/holdings
endpoint by pulling in the accumulation value (cash value) - These contracts are represented as a single holding with a quantity of 1, with a price and value equal to the accumulation value
International Currencies
Quovo’s institution coverage extends beyond the US to Canada, the UK, Australia, and Europe. Our system supports 56 currencies and automatically translates international currencies into US dollars when calculating values (contact us if you’re an enterprise who’d like to receive account data in its original international denomination). For holdings in foreign currencies, the forex_rate will tell you the exchange rate Quovo used for the conversions from a specific currency .
International Currencies