thijooree/docs/mibapi/03-accounts.md

Accounts & Balances

Account numbers and balances are returned by the Select Profile call (routePath: P47). The login init call (A41) returns an empty accountBalance array — balances are only available after P47.

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Select Profile — sfunc=n, routePath: P47

Key: session key (from sfunc=i response)

Request:

{
  "sfunc": "n",
  "xxid": "<session xxid>",
  "data": {
    "profileType": "<profileType from A41 operatingProfiles>",
    "profileId": "<profileId from A41 operatingProfiles>",
    "nonce": "<computed nonce>",
    "appId": "<appId>",
    "sodium": "<random 20-bit int>",
    "routePath": "P47",
    "xxid": "<session xxid>"
  }
}

Response:

{
  "success": true,
  "reasonCode": "101",
  "reasonText": "Profile Selected!",
  "landingPage": "0",
  "accountBalance": [ ... ],
  "accessRights": { ... },
  "services": []
}

To switch between profiles (personal ↔ business), call P47 again with the other profile's profileId and profileType.

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Profiles (from A41 response)

The A41 login init response includes operatingProfiles:

{
  "operatingProfiles": [
    {
      "profileId": "<profile ID>",
      "customerProfileId": "<customer profile ID>",
      "annexId": "<annex ID>",
      "customerId": "<customer ID>",
      "name": "<display name>",
      "cifType": "Individual",
      "customerImage": "<image hash>",
      "profileType": "0",
      "color": "<hex color>"
    }
  ]
}

profileType	Meaning
"0"	Individual (personal)
"1"	Sole Proprietor (business)

---

accountBalance Array

Each element represents one account:

{
  "cif": "<CIF number>",
  "accountNumber": "<full account number>",
  "accountBriefName": "<short label, e.g. 'SAR MVR - Savings'>",
  "template": "<display template ID>",
  "currencyCode": "<ISO 4217 numeric>",
  "currencyName": "<ISO 4217 alpha>",
  "accountTypeName": "<account type label>",
  "transfer": "Y",
  "branchName": "<branch name>",
  "availableBalance": "<decimal string>",
  "currentBalance": "<decimal string>",
  "blockedAmount": "<decimal string, may be negative>",
  "settlementBalance": "<decimal string>",
  "mvrBalance": "<MVR equivalent>",
  "statusDesc": "Active"
}

Field	Description
accountNumber	Full account number
accountBriefName	Human-readable account label
currencyCode	ISO 4217 numeric (e.g. "462" = MVR, "840" = USD)
currencyName	ISO 4217 alpha (e.g. "MVR", "USD")
accountTypeName	Account type (e.g. "Saving Account")
availableBalance	Spendable balance (decimal string)
currentBalance	Ledger balance (decimal string)
blockedAmount	Held/blocked funds — negative means funds are held
settlementBalance	Balance including pending settlements
mvrBalance	All balances converted to MVR for unified display
transfer	"Y" if usable as transfer source
statusDesc	Account status (e.g. "Active")
cif	Customer Information File number
template	UI template ID

All balance fields are decimal strings, not numbers — parse with Decimal for precision.

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accessRights

{
  "numAccounts": "<number of accounts>",
  "packageRights": "[1,2,3,4,6,7,8,9,10,11,12]",
  "roleRights": "[]"
}

packageRights is a JSON array encoded as a string — parse it separately.

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