{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/wells-fargo/main/json-schema/wells-fargo-transaction-schema.json",
  "title": "Wells Fargo Transaction",
  "description": "Schema for a Wells Fargo commercial banking transaction including ACH, Wire, RTP, and FedNow payment types returned by the Account Transactions API.",
  "type": "object",
  "properties": {
    "transactionId": {
      "type": "string",
      "description": "Unique transaction identifier assigned by Wells Fargo."
    },
    "accountId": {
      "type": "string",
      "description": "Wells Fargo account identifier."
    },
    "transactionType": {
      "type": "string",
      "enum": ["ACH", "WIRE", "RTP", "CHECK", "FED_NOW"],
      "description": "Payment rail or transaction type."
    },
    "debitCreditIndicator": {
      "type": "string",
      "enum": ["DEBIT", "CREDIT"],
      "description": "Whether this is a debit or credit to the account."
    },
    "amount": {
      "type": "number",
      "format": "double",
      "description": "Transaction amount."
    },
    "currency": {
      "type": "string",
      "description": "ISO 4217 currency code.",
      "example": "USD"
    },
    "transactionDate": {
      "type": "string",
      "format": "date",
      "description": "Date the transaction occurred."
    },
    "postingDate": {
      "type": "string",
      "format": "date",
      "description": "Date the transaction was posted to the account."
    },
    "description": {
      "type": "string",
      "description": "Transaction description or memo."
    },
    "status": {
      "type": "string",
      "enum": ["POSTED", "PENDING", "RETURNED"],
      "description": "Current transaction status."
    },
    "counterpartyName": {
      "type": "string",
      "description": "Name of the sending or receiving party."
    },
    "counterpartyAccountNumber": {
      "type": "string",
      "description": "Masked counterparty account number."
    },
    "counterpartyRoutingNumber": {
      "type": "string",
      "description": "Counterparty bank routing/transit number."
    },
    "referenceNumber": {
      "type": "string",
      "description": "Bank reference or trace number."
    }
  },
  "required": ["transactionId", "accountId", "transactionType", "debitCreditIndicator", "amount", "currency", "transactionDate", "status"]
}