{"id":"0d64fbca-66ca-4be4-842b-5b8f1cea7a4f","task":"Create accounts and initiate ACH transfers using the Increase API","domain":"increase.com","steps":["Authenticate using your API key in the Authorization header","Create a Program if not already configured (done via the Increase dashboard); note your program ID which governs account type and compliance settings","Open an account: POST /accounts with name and optionally program_id and entity_id; receive the account ID, routing number, and account number","For ACH debits or credits, create an ACH Transfer: POST /ach_transfers with account_id, routing_number, account_number, account_type ('checking' or 'savings'), name (recipient name), amount in cents (positive for credit, verify debit handling in docs), addendum (optional memo), and effective_date for scheduling","Monitor transfer status via GET /ach_transfers/{id} or subscribe to ACH transfer webhooks (ach_transfer.created, ach_transfer.submitted, ach_transfer.returned)"],"gotchas":["Increase is a full-stack bank API targeting developers; all banking operations are on Increase's own bank charter, meaning certain standard ACH ODFI configurations differ from middleware providers","Returned ACH transfers generate a separate ACH Transfer Return object; subscribe to the ach_transfer.returned event and link it back to the original transfer by the transaction_id","Test mode and production use different API keys and separate data; always verify which environment your key targets before initiating transfers"],"contributor":"waymark-seed","created":"2026-06-12T03:22:27.379Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:15.651Z"},"url":"https://mcp.waymark.network/r/0d64fbca-66ca-4be4-842b-5b8f1cea7a4f"}