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This guide covers the onboarding layer of a PFM integration: how users get verified, how their liabilities are discovered, how to detect new liabilities over time, and how to enrich auto loan accounts with vehicle details. If you haven’t completed the Getting Started steps (creating and verifying Sarah Chen’s Entity, and running Connect), start there first.

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Identity Verification with Opal

Opal is Method’s pre-built, white-labeled UI component that handles the entire verification flow — phone verification and identity verification — in a single drop-in experience. It’s the fastest path to getting users verified and is recommended for most integrations.

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Liability Discovery via Connect

Once Sarah is verified, Connect performs a soft-pull credit report to discover her liabilities. The Getting Started guide showed the Connect call that discovered all 6 of her accounts. Here’s what Connect found for Sarah:
Account IDCreditorTypeWhat Your App Shows
acc_eKKmrXDpJBKgwChase Sapphire ReserveCredit CardCard balance, APR, due date
acc_GV8WbmJW7KGRyCiti Double CashCredit CardCard balance, APR, due date
acc_MLPKh9gQDDbT8Capital OneAuto LoanLoan balance, payment schedule
acc_LbXE8wVYJLrKtNavientStudent LoanLoan balance, disbursements
acc_J3P9fayDFjpAySoFiPersonal LoanBalance, term, rate
acc_eFFRV9zmpLREKWells FargoMortgageBalance, rate, payoff date
Connect discovers both open and closed liabilities on the first call. Subsequent Connect calls for the same Entity only return newly opened accounts.

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Connect Subscriptions

A user’s liability picture changes over time — they open new credit cards, take out loans, or consolidate debt. Connect subscriptions automatically re-run discovery on a recurring basis and notify you via webhook when new accounts are found. Enroll the Entity in a connect subscription: 
curl https://production.methodfi.com/entities/ent_au22b1fbFJbp8/subscriptions \
  -X POST \
  -H "Method-Version: 2025-12-01" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc" \
  -H "Content-Type: application/json" \
  -d '{
    "enroll": "connect"
  }'

{
  "id": "sub_Wm3FJkqV8hpDR",
  "name": "connect",
  "status": "active",
  "payload": null,
  "latest_request_id": null,
  "created_at": "2025-09-15T15:00:00.000Z",
  "updated_at": "2025-09-15T15:00:00.000Z"
}
When Method detects a new liability for Sarah, you’ll receive a webhook event with the new Connect result containing the newly discovered account IDs. Your app can then automatically add these to her dashboard without any user action.

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Vehicle Enrichment

For auto loan accounts like Sarah’s Capital One loan (acc_MLPKh9gQDDbT8), Method can retrieve the associated vehicle details — VIN, year, make, model, and style. This transforms a generic “Auto Loan: $18,450 balance” into “2021 Honda CR-V EX: $18,450 remaining.” Request vehicle data for Sarah’s Entity: 
curl https://production.methodfi.com/entities/ent_au22b1fbFJbp8/vehicles \
  -X POST \
  -H "Method-Version: 2025-12-01" \
  -H "Authorization: Bearer sk_WyZEWVfTcH7GqmPzUPk65Vjc"

{
  "id": "evhl_QnT4mKxBfVpJ8",
  "entity_id": "ent_au22b1fbFJbp8",
  "vehicles": [
    {
      "vin": "7FARW2H83ME012345",
      "year": "2021",
      "make": "honda",
      "model": "cr-v",
      "series": null,
      "major_color": "blue",
      "style": "sport_utility_vehicle"
    }
  ],
  "status": "completed",
  "error": null,
  "created_at": "2025-09-15T15:05:00.000Z",
  "updated_at": "2025-09-15T15:05:00.000Z"
}
With vehicle data, your PFM app can display rich auto loan details, enable equity calculations (comparing vehicle value against remaining balance), and power features like insurance comparison or refinancing recommendations.

Vehicles API Reference

Full API documentation for the Vehicles endpoint.

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What’s Next

Dashboard & Insights

Pull real-time balances, credit scores, card brand art, and financial health attributes.

Transactions & Payments

Stream credit card transactions and initiate bill payments.