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# Deposits & savings

**Where it lives:** at `deposits` in the **Financial Position**, and on its own from the deposits endpoint. Both kinds arrive from the same endpoint; `sub_family` tells them apart.

## Time deposits

Money committed for a term at an agreed rate: the classic fixed deposit.

### Schema (`TimeDepositSchema`)

```yaml
components:
  schemas:
    IBANIdentifierSchema:
      type: object
      properties:
        value:
          type: string
          format: iban
          description: International Bank Account Number
        masked:
          type: string
          minLength: 1
          maxLength: 34
          description: Partial IBAN
        entity_country:
          type: string
          description: Bank Country
        entity_code:
          type: string
          description: Bank code
        entity_office:
          type: string
          description: Bank office
        control_digits:
          type: string
          description: Control digits
      required:
        - value
        - masked
        - entity_country
        - entity_code
        - entity_office
        - control_digits
      description: International Bank Account Number
      title: IBANIdentifierSchema
    ClabeIdentifierSchema:
      type: object
      properties:
        value:
          type: string
          format: clabe
          description: Clave Bancaria Estandarizada
        masked:
          type: string
          minLength: 1
          maxLength: 19
          description: Partial Clabe
        entity_country:
          type: string
          description: Bank Country
        entity_code:
          type: string
          description: Bank code
        entity_office:
          type: string
          description: Bank office
        control_digits:
          type: string
          description: Control digit
      required:
        - value
        - masked
        - entity_country
        - entity_code
        - entity_office
        - control_digits
      description: Clave Bancaria Estandarizada
      title: ClabeIdentifierSchema
    GenericIdentifierSchema:
      type: object
      properties:
        value:
          type: string
          description: Identifier
        entity_country:
          type: string
          format: country
          description: Entity country
        entity_code:
          type: string
          description: Entity code
        entity_office:
          type: string
          description: Entity office
        control_digits:
          type: string
          description: Control digits
      required:
        - value
      description: Generic account identifier
      title: GenericIdentifierSchema
    TimeDepositSchemaAccount:
      oneOf:
        - $ref: '#/components/schemas/IBANIdentifierSchema'
        - $ref: '#/components/schemas/ClabeIdentifierSchema'
        - $ref: '#/components/schemas/GenericIdentifierSchema'
      description: Deposit Account
      title: TimeDepositSchemaAccount
    CustomerSegment:
      type: string
      enum:
        - not_assigned
        - personal
        - business
        - corporate
        - private
        - retail
      title: CustomerSegment
    InfoniteSchemasUtilsCurrencyAmountSchema1Currency:
      oneOf:
        - type: string
          format: currency
        - type: string
          enum:
            - '***'
      description: >-
        Three-letter ISO currency code — or `***` when the source did not
        disclose the currency.
      title: InfoniteSchemasUtilsCurrencyAmountSchema1Currency
    infonite__schemas__utils__CurrencyAmountSchema__1:
      type: object
      properties:
        currency:
          $ref: >-
            #/components/schemas/InfoniteSchemasUtilsCurrencyAmountSchema1Currency
          description: >-
            Three-letter ISO currency code — or `***` when the source did not
            disclose the currency.
        amount:
          type: string
          format: number
          description: Decimal number with 2 digits precision
      required:
        - currency
        - amount
      description: A monetary amount together with its currency.
      title: infonite__schemas__utils__CurrencyAmountSchema__1
    InfonitePydanticFieldsCommonRate2Unit:
      oneOf:
        - type: string
          enum:
            - '%'
        - type: string
          format: currency
      title: InfonitePydanticFieldsCommonRate2Unit
    infonite__pydantic__fields__common___Rate__2:
      type: object
      properties:
        value:
          type: string
          format: number
          description: Decimal number with 2 digits precision
        unit:
          $ref: '#/components/schemas/InfonitePydanticFieldsCommonRate2Unit'
          default: '%'
        description:
          type:
            - string
            - 'null'
      title: infonite__pydantic__fields__common___Rate__2
    TimeDepositSchema:
      type: object
      properties:
        id:
          type: string
          format: object-id
          description: >-
            Product ID for the current execution. Note: it may change between
            executions.
        product:
          type: string
          enum:
            - financial_deposit
        sub_family:
          type: string
          enum:
            - financial_deposit:time
        fetch_date:
          type: string
          format: datetime
          description: Date this product was fetched
        account:
          $ref: '#/components/schemas/TimeDepositSchemaAccount'
          description: Deposit Account
        contract:
          $ref: '#/components/schemas/GenericIdentifierSchema'
          description: Contract if present
        customer_segment:
          $ref: '#/components/schemas/CustomerSegment'
        product_name:
          type: string
          description: Product name
        product_alias:
          type: string
          description: Product alias
        product_description:
          type: string
          description: Product Description
        available:
          $ref: >-
            #/components/schemas/infonite__schemas__utils__CurrencyAmountSchema__1
          description: The total accessible funds, available for withdrawal.
        balance:
          $ref: >-
            #/components/schemas/infonite__schemas__utils__CurrencyAmountSchema__1
          description: The amount of founds currently deposited.
        start_date:
          type: string
          format: date
          description: Deposit start date
        last_date:
          type: string
          format: date
          description: Deposit last date
        interest_rate:
          $ref: '#/components/schemas/infonite__pydantic__fields__common___Rate__2'
          description: Deposit interest rate
      required:
        - id
        - product
        - sub_family
        - fetch_date
        - account
        - customer_segment
        - product_name
        - available
        - balance
      title: TimeDepositSchema
```

## Savings goals

The modern equivalent many banks now offer: a pot inside an account, with a target attached. `goal_amount` is what the customer is saving towards, `balance` is how far they have got.

### Schema (`SavingsGoalSchema`)

```yaml
components:
  schemas:
    IBANIdentifierSchema:
      type: object
      properties:
        value:
          type: string
          format: iban
          description: International Bank Account Number
        masked:
          type: string
          minLength: 1
          maxLength: 34
          description: Partial IBAN
        entity_country:
          type: string
          description: Bank Country
        entity_code:
          type: string
          description: Bank code
        entity_office:
          type: string
          description: Bank office
        control_digits:
          type: string
          description: Control digits
      required:
        - value
        - masked
        - entity_country
        - entity_code
        - entity_office
        - control_digits
      description: International Bank Account Number
      title: IBANIdentifierSchema
    ClabeIdentifierSchema:
      type: object
      properties:
        value:
          type: string
          format: clabe
          description: Clave Bancaria Estandarizada
        masked:
          type: string
          minLength: 1
          maxLength: 19
          description: Partial Clabe
        entity_country:
          type: string
          description: Bank Country
        entity_code:
          type: string
          description: Bank code
        entity_office:
          type: string
          description: Bank office
        control_digits:
          type: string
          description: Control digit
      required:
        - value
        - masked
        - entity_country
        - entity_code
        - entity_office
        - control_digits
      description: Clave Bancaria Estandarizada
      title: ClabeIdentifierSchema
    GenericIdentifierSchema:
      type: object
      properties:
        value:
          type: string
          description: Identifier
        entity_country:
          type: string
          format: country
          description: Entity country
        entity_code:
          type: string
          description: Entity code
        entity_office:
          type: string
          description: Entity office
        control_digits:
          type: string
          description: Control digits
      required:
        - value
      description: Generic account identifier
      title: GenericIdentifierSchema
    SavingsGoalSchemaAccount:
      oneOf:
        - $ref: '#/components/schemas/IBANIdentifierSchema'
        - $ref: '#/components/schemas/ClabeIdentifierSchema'
        - $ref: '#/components/schemas/GenericIdentifierSchema'
      description: Deposit Account
      title: SavingsGoalSchemaAccount
    CustomerSegment:
      type: string
      enum:
        - not_assigned
        - personal
        - business
        - corporate
        - private
        - retail
      title: CustomerSegment
    InfoniteSchemasUtilsCurrencyAmountSchema1Currency:
      oneOf:
        - type: string
          format: currency
        - type: string
          enum:
            - '***'
      description: >-
        Three-letter ISO currency code — or `***` when the source did not
        disclose the currency.
      title: InfoniteSchemasUtilsCurrencyAmountSchema1Currency
    infonite__schemas__utils__CurrencyAmountSchema__1:
      type: object
      properties:
        currency:
          $ref: >-
            #/components/schemas/InfoniteSchemasUtilsCurrencyAmountSchema1Currency
          description: >-
            Three-letter ISO currency code — or `***` when the source did not
            disclose the currency.
        amount:
          type: string
          format: number
          description: Decimal number with 2 digits precision
      required:
        - currency
        - amount
      description: A monetary amount together with its currency.
      title: infonite__schemas__utils__CurrencyAmountSchema__1
    InfonitePydanticFieldsCommonRate2Unit:
      oneOf:
        - type: string
          enum:
            - '%'
        - type: string
          format: currency
      title: InfonitePydanticFieldsCommonRate2Unit
    infonite__pydantic__fields__common___Rate__2:
      type: object
      properties:
        value:
          type: string
          format: number
          description: Decimal number with 2 digits precision
        unit:
          $ref: '#/components/schemas/InfonitePydanticFieldsCommonRate2Unit'
          default: '%'
        description:
          type:
            - string
            - 'null'
      title: infonite__pydantic__fields__common___Rate__2
    SavingsGoalSchema:
      type: object
      properties:
        id:
          type: string
          format: object-id
          description: >-
            Product ID for the current execution. Note: it may change between
            executions.
        product:
          type: string
          enum:
            - financial_deposit
        sub_family:
          type: string
          enum:
            - financial_deposit:goal
        fetch_date:
          type: string
          format: datetime
          description: Date this product was fetched
        account:
          $ref: '#/components/schemas/SavingsGoalSchemaAccount'
          description: Deposit Account
        contract:
          $ref: '#/components/schemas/GenericIdentifierSchema'
          description: Contract if present
        customer_segment:
          $ref: '#/components/schemas/CustomerSegment'
        product_name:
          type: string
          description: Product name
        product_alias:
          type: string
          description: Product alias
        product_description:
          type: string
          description: Product Description
        available:
          $ref: >-
            #/components/schemas/infonite__schemas__utils__CurrencyAmountSchema__1
          description: The total accessible funds, available for withdrawal.
        balance:
          $ref: >-
            #/components/schemas/infonite__schemas__utils__CurrencyAmountSchema__1
          description: The amount of founds currently deposited.
        start_date:
          type: string
          format: date
          description: Deposit start date
        last_date:
          type: string
          format: date
          description: Deposit last date
        interest_rate:
          $ref: '#/components/schemas/infonite__pydantic__fields__common___Rate__2'
          description: Deposit interest rate
        goal_amount:
          $ref: >-
            #/components/schemas/infonite__schemas__utils__CurrencyAmountSchema__1
          description: The goal amount of founds to be deposited.
      required:
        - id
        - product
        - sub_family
        - fetch_date
        - account
        - customer_segment
        - product_name
        - available
        - balance
      title: SavingsGoalSchema
```

**A savings goal is a signal, not just a balance.** Somebody with a funded goal and a steady contribution behaves differently from somebody with the same balance sitting in a current account — which is worth knowing when the question is stability rather than wealth.