> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallet Intelligence

> Retrieve wallet-level behavioral attributes to power recommendations, segmentation, and personalized product experiences.

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](/guides/use-cases/commerce/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

```bash theme={null}
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`. Retrieve the completed attributes by subscribing to the `entity_attribute.create` webhook or polling the [retrieve endpoint](/reference/entities/attributes/retrieve).

Below is an example of a completed response:

```json theme={null}
{
  "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.

## What's Next

<CardGroup cols={2}>
  <Card title="Attributes API Reference" icon="chart-line" href="/reference/entities/attributes/overview">
    Full API documentation for Entity Attributes.
  </Card>

  <Card title="Wallet Onboarding" icon="wallet" href="/guides/use-cases/commerce/wallet-onboarding">
    Connect every credit card without manual entry.
  </Card>
</CardGroup>