Wallet Intelligence

Retrieve wallet-level insights to personalize customer experiences. After connecting a customer’s credit cards, retrieve wallet-level behavioral attributes to power recommendations, segmentation, and personalized product experiences.

Prerequisites

Before using Wallet Intelligence, complete the Getting Started flow:

Entity created
Identity verified
Credit cards connected

Why Use It?

Reach the right audience: Identify the customers most likely to benefit from every offer.
Power partner offers: Deliver issuer and partner offers only to eligible customers.
Design better experiences: Understand wallet trends and customer behavior to inform product decisions.
Complete customer profiles: Enrich the customer data you already have.

How It Works

Retrieve the attributes of the customer’s wallet with a single request: POST /entities/{ent_id}/attributes. Method returns behavioral attributes computed across every connected credit card in the customer’s wallet, including:

Overall utilization
Credit card utilization
Usage patterns
Payment behavior
Balance trends

curl https://production.methodfi.com/entities/ent_BzirqpLEm3BW7/attributes \
  -X POST \
  -H "Method-Version: 2026-03-30" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc"

This endpoint is asynchronous. The initial response returns status: in_progress. entity_attribute.create reports creation of that in-progress resource. Retrieve the terminal result after an entity_attribute.update webhook or poll the retrieve endpoint. Below is an example of a completed response:

{
  "success": true,
  "data": {
    "id": "attr_dADraNgLBrhgL",
    "entity_id": "ent_BzirqpLEm3BW7",
    "status": "completed",
    "attributes": {
      "usage_pattern":           { "value": "transactor", "error": null, "metadata": null },
      "credit_card_utilization": { "value": 11.96, "error": null, "metadata": null },
      "overall_utilization":     { "value": 18.4, "error": null, "metadata": null }
    },
    "error": null,
    "created_at": "2026-04-09T17:02:47.910Z",
    "updated_at": "2026-04-09T17:04:35.220Z"
  }
}

Each attribute returns { value, error }. When data is insufficient (for example, not enough history for a 60-day delta), value is null and error is populated with details. Use these attributes to build better experiences, personalize offers, segment customers, and improve targeting.

Getting Started

Entities

Identity Verification

Connect

Accounts

Updates

Payments

Additional Products

Use Cases: Commerce

Use Cases: Lending

Use Cases: PFM

Prerequisites

Why Use It?

How It Works

What’s Next

Attributes API Reference

Wallet Onboarding

​Prerequisites

​Why Use It?

​How It Works

​What’s Next

Attributes API Reference

Wallet Onboarding

Prerequisites

Why Use It?

How It Works

What’s Next