ACH & Banking | Fold Schema

+ Entity Relationship Diagram

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erDiagram ACHAccount { string id PK string type datetime created bool is_deleted bool verification_failed } ACHAccount }o--|| Account : account ACHRewardRate { string id PK int reward_rate_percentage int spending_min bool is_enabled } ACHTransfer { string id PK datetime created string type int amount int source FK } ACHTransfer }o--|| ACHAccount : source ACHTransfer }o--|| ACHAccount : destination MarqetaACHOTransfer { string id PK string bank_transfer_destination int amount int admin_user FK string bank_transfer_token } MarqetaACHOTransfer }o--|| User : admin_user SettlementAccountBalance { string id PK string settlement_account_name string asset_currency int balance }

ACHAccount

Table: fold_ach_account

Field	Type	Constraints
`id`	UUIDField	PK default=uuid4
`type`	TextField	choicesShow 4 choices DIRECT_DEPOSIT_BUFFERDirect Deposit Buffer GIFTGift CUSTOMER_SUPPORTCUSTOMER_SUPPORT GIFT_CARD_REFUNDGift Card Refund
`created`	DateTimeField	indexed
`is_deleted`	BooleanField	default=False
`verification_failed`	BooleanField	default=False
`verification_debug_data`	JSONField	nullable
`account`	FK → Account
`name`	TextField
`institution_name`	TextField
`plaid_institution_id`	TextField	nullable
`plaid_account_id`	TextField	nullable
`plaid_access_token`	TextField	unique nullable
`dwolla_funding_id`	UUIDField	unique nullable
`stripe_bank_account_token`	TextField	nullable
`has_astra`	BooleanField	default=False

Relationships

.account N:1 Account

Referenced By (3 tables)

ACHTransfer N:1 .source

ACHTransfer N:1 .destination

StripePaymentMethod N:1 .ach_account

Sample Queries (click to expand)

Get all records

ACHAccount.objects.all()

SELECT * FROM fold_ach_account;

Get by ID

ACHAccount.objects.get(id=1)

SELECT * FROM fold_ach_account WHERE id = 1;

With related Account

ACHAccount.objects.select_related("account")

SELECT * FROM fold_ach_account t JOIN account r ON t.account_id = r.id;

Filter by account

ACHAccount.objects.filter(account_id=123)

SELECT * FROM fold_ach_account WHERE account_id = 123;

Filter by created (last 7 days)

ACHAccount.objects.filter(created__gte=datetime.now()-timedelta(days=7))

SELECT * FROM fold_ach_account WHERE created >= NOW() - INTERVAL '7 days';

ACHRewardRate

Table: fold_ach_reward_rate Extends: BaseModelMixin

Field	Type	Constraints
`id`	BigAutoField	PK
`reward_rate_percentage`	DecimalField(4,2)
`spending_min`	PositiveIntegerField	nullable
`is_enabled`	BooleanField	default=False

Referenced By (1 tables)

FoldCardTransaction N:1 .ach_reward_rate

Sample Queries (click to expand)

Get all records

ACHRewardRate.objects.all()

SELECT * FROM fold_ach_reward_rate;

Get by ID

ACHRewardRate.objects.get(id=1)

SELECT * FROM fold_ach_reward_rate WHERE id = 1;

ACHTransfer

Table: fold_ach_transfer

Field	Type	Constraints
`id`	UUIDField	PK default=uuid4
`created`	DateTimeField
`type`	TextField	choicesShow 4 choices DIRECT_DEPOSIT_BUFFERDirect Deposit Buffer GIFTGift CUSTOMER_SUPPORTCUSTOMER_SUPPORT GIFT_CARD_REFUNDGift Card Refund
`amount`	DecimalField(10,2)
`source`	FK → ACHAccount	nullable
`destination`	FK → ACHAccount	nullable
`leg1_status`	TextField	nullable
`leg1_failure_explanation`	TextField	nullable
`leg2_status`	TextField	nullable
`leg2_failure_explanation`	TextField	nullable
`fold_card_transaction`	OneToOne → FoldCardTransaction	nullable

Relationships

.source N:1 ACHAccount

.destination N:1 ACHAccount

.fold_card_transaction 1:1 FoldCardTransaction

Referenced By (1 tables)

DwollaEvent N:1 .ach_transfer

Sample Queries (click to expand)

Get all records

ACHTransfer.objects.all()

SELECT * FROM fold_ach_transfer;

Get by ID

ACHTransfer.objects.get(id=1)

SELECT * FROM fold_ach_transfer WHERE id = 1;

With related ACHAccount

ACHTransfer.objects.select_related("source")

SELECT * FROM fold_ach_transfer t JOIN achaccount r ON t.source_id = r.id;

Filter by created (last 7 days)

ACHTransfer.objects.filter(created__gte=datetime.now()-timedelta(days=7))

SELECT * FROM fold_ach_transfer WHERE created >= NOW() - INTERVAL '7 days';

MarqetaACHOTransfer

Table: fold_acho_transfer Extends: BaseModelMixin

Field	Type	Constraints
`id`	BigAutoField	PK
`bank_transfer_destination`	CharField(250)	choices nullableACHOExternalAccounts
`amount`	DecimalField(10,2)
`admin_user`	FK → User	nullable
`bank_transfer_token`	CharField(250)	nullable
`status`	CharField(255)	choices default=valueMarqetaACHOTransferStatus
`is_triggered`	BooleanField	default=False

Relationships

.admin_user N:1 User

Sample Queries (click to expand)

Get all records

MarqetaACHOTransfer.objects.all()

SELECT * FROM fold_acho_transfer;

Get by ID

MarqetaACHOTransfer.objects.get(id=1)

SELECT * FROM fold_acho_transfer WHERE id = 1;

With related User

MarqetaACHOTransfer.objects.select_related("admin_user")

SELECT * FROM fold_acho_transfer t JOIN user r ON t.admin_user_id = r.id;

SettlementAccountBalance

Table: fold_settlement_account_balance Extends: BaseModelMixin

Field	Type	Constraints
`id`	BigAutoField	PK
`settlement_account_name`	CharField(250)	choicesSettlementAccounts
`asset_currency`	CharField(250)	choicesSettlementCurrencies
`balance`	DecimalField(10,2)

Sample Queries (click to expand)

Get all records

SettlementAccountBalance.objects.all()

SELECT * FROM fold_settlement_account_balance;

Get by ID

SettlementAccountBalance.objects.get(id=1)

SELECT * FROM fold_settlement_account_balance WHERE id = 1;