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Overview

This section dives into the process of leveraging Dwolla’s Exchange Sessions API for Instant Account Verification (IAV) within your application. Dwolla’s Exchange Sessions API enables you to leverage open banking providers to perform bank account verification in real-time, streamlining your onboarding process and improving user experience. An Exchange Session represents a generated IAV session that is established between Dwolla and integrated open banking service providers for the purposes of user bank account verification.

Open Banking Overview

New to Open Banking? Get a head start with our comprehensive overview article before diving into the API details.

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Exchange Sessions resource

ParameterDescription
_linksA _links JSON object containing a collection of links to related resources including: exchange session, exchange-partner, and external-provider-session. The unique URL called “external-provider-session” is specifically designed to be embedded within your application, facilitating the Instant Account Verification flow.
externalProviderSessionTokenA short-lived, one-time use token that is used to authenticate your application with the Plaid Link flow. The external provider session token grants access to Plaid Link for a specific customer Exchange Session. An externalProviderSessionToken is generated on your server by making a request to the create exchange session for a customer API endpoint.
createdISO 8601 timestamp of when the exchange-partner resource was created.
{
    "created": "2024-03-25T17:13:38.430Z",
    "_links": {
        "self": {
            "href": "https://api-sandbox.dwolla.com/exchange-sessions/9b7fb629-0fad-44f4-8c5e-44c25a0bfa8e",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "exchange-sessions"
        },
        "exchange-partner": {
            "href": "https://api-sandbox.dwolla.com/exchange-partners/bca8d065-49a5-475b-a6b4-509bc8504d22",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "exchange-partner"
        },
        "external-provider-session": {
            "href": "https://int-widgets.moneydesktop.com/md/connect/lAfkc7m897s3t1ks9mmwyj4ry7Zq0xql4grzAg1kz77x7c9jrwls1t22w6xt8d2lsxx9zpqv30js3wswfdwcrpAsqgbAfkqwpksp7c2chsx167xy90Asfc67dkj9y48y8p142xw3yp4x5l9t9gkk6m3yk5vwsvyq2qq7w9trszxwdl14lmkg7l6949bn5n41chdkbnxycy40n9b6fkbdwl6qt5wl107k1x8srvlkpz325p412x9tkyA5clf39109lsfrgz2lkgsvntqf7l0zzwb5hl658gdjbxwhb52krwybnbdAqfq69cdy54l05jkvfwyf01q89x48jtgtx290lzjdfcty1lwb8d648wns/eyJ1aV9tZXNzYWdlX3ZlcnNpb24iOjQsInVpX21lc3NhZ2Vfd2Vidmlld191cmxfc2NoZW1lIjoibXgiLCJtb2RlIjoidmVyaWZpY2F0aW9uIn0%3D",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "text/html"
        }
    }
}