> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.thepennyinc.com/banking/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.thepennyinc.com/_mcp/server.

# Banking

## Docs

- [Accounts](https://docs.thepennyinc.com/banking/accounts.md): Where money lives, and how it's allowed to move.
- [Transactions](https://docs.thepennyinc.com/banking/transactions.md): The single record of every movement of money.
- [Reading Transactions & Ledger Entries](https://docs.thepennyinc.com/banking/reading-transactions.md): Filter, page through, and follow up on transaction activity.
- [Linking an Account](https://docs.thepennyinc.com/banking/linking-an-account.md): Register an external bank account as a source of funds for your Capital Account.

## API Docs

- API Reference > Authentication [Create an M2M access token](https://docs.thepennyinc.com/banking/api-reference/authentication/create-token.md)
- API Reference > Business > Entities [Get your business entity](https://docs.thepennyinc.com/banking/api-reference/business/entities/get-default.md)
- API Reference > Business > Profile [Get your business profile](https://docs.thepennyinc.com/banking/api-reference/business/profile/get.md)
- API Reference > Business > Spend Control [Assign a business-wide spend control](https://docs.thepennyinc.com/banking/api-reference/business/spend-control/assign.md)
- API Reference > Business > Spend Control [Remove the business-wide spend control](https://docs.thepennyinc.com/banking/api-reference/business/spend-control/remove.md)
- API Reference > Configuration > Defaults [Get your defaults](https://docs.thepennyinc.com/banking/api-reference/configuration/defaults/get.md)
- API Reference > Configuration > Programs [Get your program](https://docs.thepennyinc.com/banking/api-reference/configuration/programs/get-default.md)
- API Reference > Access > Users [List users](https://docs.thepennyinc.com/banking/api-reference/access/users/list.md)
- API Reference > Access > Users [Create a user](https://docs.thepennyinc.com/banking/api-reference/access/users/create.md)
- API Reference > Access > Users [Get a user](https://docs.thepennyinc.com/banking/api-reference/access/users/get.md)
- API Reference > Access > Users [Delete a user](https://docs.thepennyinc.com/banking/api-reference/access/users/delete.md)
- API Reference > Access > Users [Update a user](https://docs.thepennyinc.com/banking/api-reference/access/users/update.md)
- API Reference > Access > Users [Activate a user](https://docs.thepennyinc.com/banking/api-reference/access/users/activate.md)
- API Reference > Access > Users [Deactivate a user](https://docs.thepennyinc.com/banking/api-reference/access/users/deactivate.md)
- API Reference > Access > Users > Roles [Attach a role to a user](https://docs.thepennyinc.com/banking/api-reference/access/users/roles/attach.md)
- API Reference > Access > Users > Roles [Detach a role from a user](https://docs.thepennyinc.com/banking/api-reference/access/users/roles/detach.md)
- API Reference > Access > Users > Permissions [Attach a direct permission to a user](https://docs.thepennyinc.com/banking/api-reference/access/users/permissions/attach.md)
- API Reference > Access > Users > Permissions [Detach a direct permission from a user](https://docs.thepennyinc.com/banking/api-reference/access/users/permissions/detach.md)
- API Reference > Access > Roles [List custom roles](https://docs.thepennyinc.com/banking/api-reference/access/roles/list.md)
- API Reference > Access > Roles [Create a custom role](https://docs.thepennyinc.com/banking/api-reference/access/roles/create.md)
- API Reference > Access > Roles [Get a custom role](https://docs.thepennyinc.com/banking/api-reference/access/roles/get.md)
- API Reference > Access > Roles [Delete a custom role](https://docs.thepennyinc.com/banking/api-reference/access/roles/delete.md)
- API Reference > Access > Roles [Update a custom role](https://docs.thepennyinc.com/banking/api-reference/access/roles/update.md)
- API Reference > Access > Roles [Activate a custom role](https://docs.thepennyinc.com/banking/api-reference/access/roles/activate.md)
- API Reference > Access > Roles [Deactivate a custom role](https://docs.thepennyinc.com/banking/api-reference/access/roles/deactivate.md)
- API Reference > Access > Roles > Presets [List preset roles](https://docs.thepennyinc.com/banking/api-reference/access/roles/presets/list.md)
- API Reference > Access > Roles > Presets [Get a preset role](https://docs.thepennyinc.com/banking/api-reference/access/roles/presets/get.md)
- API Reference > Access > Roles > Permissions [Attach a permission to a role](https://docs.thepennyinc.com/banking/api-reference/access/roles/permissions/attach.md)
- API Reference > Access > Roles > Permissions [Detach a permission from a role](https://docs.thepennyinc.com/banking/api-reference/access/roles/permissions/detach.md)
- API Reference > Access > Applications [List applications](https://docs.thepennyinc.com/banking/api-reference/access/applications/list.md)
- API Reference > Access > Applications [Create an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/create.md)
- API Reference > Access > Applications [Get an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/get.md)
- API Reference > Access > Applications [Delete an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/delete.md)
- API Reference > Access > Applications [Update an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/update.md)
- API Reference > Access > Applications [Activate an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/activate.md)
- API Reference > Access > Applications [Deactivate an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/deactivate.md)
- API Reference > Access > Applications [Rotate an application secret](https://docs.thepennyinc.com/banking/api-reference/access/applications/rotate-secret.md)
- API Reference > Access > Applications > Roles [Attach a role to an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/roles/attach.md)
- API Reference > Access > Applications > Roles [Detach a role from an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/roles/detach.md)
- API Reference > Access > Applications > Permissions [Attach a direct permission to an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/permissions/attach.md)
- API Reference > Access > Applications > Permissions [Detach a direct permission from an application](https://docs.thepennyinc.com/banking/api-reference/access/applications/permissions/detach.md)
- API Reference > Accounts > Capital [List capital accounts](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/list.md)
- API Reference > Accounts > Capital [Create a capital account](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/create.md)
- API Reference > Accounts > Capital [Get a capital account](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/get.md)
- API Reference > Accounts > Capital [Delete a capital account](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/delete.md)
- API Reference > Accounts > Capital [Update a capital account](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/update.md)
- API Reference > Accounts > Capital [Transfer between capital accounts](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/transfer.md)
- API Reference > Accounts > Capital [Activate a capital account](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/activate.md)
- API Reference > Accounts > Capital [Deactivate a capital account](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/deactivate.md)
- API Reference > Accounts > Capital > Auto Top Up [Remove a capital account's auto top-up](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/auto-top-up/remove.md)
- API Reference > Accounts > Capital > Auto Top Up [Update a capital account's auto top-up](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/auto-top-up/update.md)
- API Reference > Accounts > Capital > Low Balance Alert [Remove a capital account's low balance alert](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/low-balance-alert/remove.md)
- API Reference > Accounts > Capital > Low Balance Alert [Update a capital account's low balance alert](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/low-balance-alert/update.md)
- API Reference > Accounts > Capital > Spend Control [Assign a spend control to a capital account](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/spend-control/assign.md)
- API Reference > Accounts > Capital > Spend Control [Remove a capital account's spend control](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/spend-control/remove.md)
- API Reference > Accounts > Capital > Ledger [List capital account ledger entries](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/ledger/list.md)
- API Reference > Accounts > Capital > Transactions [List capital account transactions](https://docs.thepennyinc.com/banking/api-reference/accounts/capital/transactions/list.md)
- API Reference > Accounts > Control [List control accounts](https://docs.thepennyinc.com/banking/api-reference/accounts/control/list.md)
- API Reference > Accounts > Control [Create a control account](https://docs.thepennyinc.com/banking/api-reference/accounts/control/create.md)
- API Reference > Accounts > Control [Get a control account](https://docs.thepennyinc.com/banking/api-reference/accounts/control/get.md)
- API Reference > Accounts > Control [Delete a control account](https://docs.thepennyinc.com/banking/api-reference/accounts/control/delete.md)
- API Reference > Accounts > Control [Update a control account](https://docs.thepennyinc.com/banking/api-reference/accounts/control/update.md)
- API Reference > Accounts > Control [Activate a control account](https://docs.thepennyinc.com/banking/api-reference/accounts/control/activate.md)
- API Reference > Accounts > Control [Deactivate a control account](https://docs.thepennyinc.com/banking/api-reference/accounts/control/deactivate.md)
- API Reference > Accounts > Control > Spend Control [Assign a spend control to a control account](https://docs.thepennyinc.com/banking/api-reference/accounts/control/spend-control/assign.md)
- API Reference > Accounts > Control > Spend Control [Remove a control account's spend control](https://docs.thepennyinc.com/banking/api-reference/accounts/control/spend-control/remove.md)
- API Reference > Accounts > Control > Ledger [List control account ledger entries](https://docs.thepennyinc.com/banking/api-reference/accounts/control/ledger/list.md)
- API Reference > Accounts > Control > Transactions [List control account transactions](https://docs.thepennyinc.com/banking/api-reference/accounts/control/transactions/list.md)
- API Reference > Accounts > Linked [List linked accounts](https://docs.thepennyinc.com/banking/api-reference/accounts/linked/list.md)
- API Reference > Accounts > Linked [Create a linked account](https://docs.thepennyinc.com/banking/api-reference/accounts/linked/create.md)
- API Reference > Accounts > Linked [Get a linked account](https://docs.thepennyinc.com/banking/api-reference/accounts/linked/get.md)
- API Reference > Accounts > Linked [Delete a linked account](https://docs.thepennyinc.com/banking/api-reference/accounts/linked/delete.md)
- API Reference > Treasury > Ledger [Get a ledger entry](https://docs.thepennyinc.com/banking/api-reference/treasury/ledger/get.md)
- API Reference > Treasury > Ledger [List ledger entries](https://docs.thepennyinc.com/banking/api-reference/treasury/ledger/list.md)
- API Reference > Treasury > Transactions [Find transactions by client reference](https://docs.thepennyinc.com/banking/api-reference/treasury/transactions/list-by-client-reference.md)
- API Reference > Treasury > Transactions [Get a transaction](https://docs.thepennyinc.com/banking/api-reference/treasury/transactions/get.md)
- API Reference > Treasury > Transactions [Get transaction events](https://docs.thepennyinc.com/banking/api-reference/treasury/transactions/get-events.md)
- API Reference > Treasury > Transactions [Get transaction history](https://docs.thepennyinc.com/banking/api-reference/treasury/transactions/get-history.md)
- API Reference > Treasury > Transactions [List transactions](https://docs.thepennyinc.com/banking/api-reference/treasury/transactions/list.md)
- API Reference > Spend Controls [List spend controls](https://docs.thepennyinc.com/banking/api-reference/spend-controls/list.md)
- API Reference > Spend Controls [Create a spend control](https://docs.thepennyinc.com/banking/api-reference/spend-controls/create.md)
- API Reference > Spend Controls [List spend control rule types](https://docs.thepennyinc.com/banking/api-reference/spend-controls/list-rule-types.md)
- API Reference > Spend Controls [Get a spend control](https://docs.thepennyinc.com/banking/api-reference/spend-controls/get.md)
- API Reference > Spend Controls [Delete a spend control](https://docs.thepennyinc.com/banking/api-reference/spend-controls/delete.md)
- API Reference > Spend Controls [Update a spend control's rules](https://docs.thepennyinc.com/banking/api-reference/spend-controls/update-rules.md)
- API Reference > Spend Controls [Remove a rule from a spend control](https://docs.thepennyinc.com/banking/api-reference/spend-controls/delete-rule.md)
- API Reference > Spend Controls [Activate a spend control](https://docs.thepennyinc.com/banking/api-reference/spend-controls/activate.md)
- API Reference > Spend Controls [Deactivate a spend control](https://docs.thepennyinc.com/banking/api-reference/spend-controls/deactivate.md)
- API Reference > Spend Controls > Associations [Get the spend control governing an object](https://docs.thepennyinc.com/banking/api-reference/spend-controls/associations/get-by-associated-object.md)
- API Reference > Spend Controls > Associations [Remove an object's spend control association](https://docs.thepennyinc.com/banking/api-reference/spend-controls/associations/remove.md)
- API Reference > Spend Controls > Associations [List a spend control's associated objects](https://docs.thepennyinc.com/banking/api-reference/spend-controls/associations/list.md)
- API Reference > Billing > Fees [Get a fee](https://docs.thepennyinc.com/banking/api-reference/billing/fees/get.md)
- API Reference > Billing > Fees [Get fee events](https://docs.thepennyinc.com/banking/api-reference/billing/fees/get-events.md)
- API Reference > Billing > Fees [Get fee history](https://docs.thepennyinc.com/banking/api-reference/billing/fees/get-history.md)
- API Reference > Billing > Fees [List fees](https://docs.thepennyinc.com/banking/api-reference/billing/fees/list.md)
- API Reference > Platform > Notifications > Webhooks [List webhooks](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/list.md)
- API Reference > Platform > Notifications > Webhooks [Create a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/create.md)
- API Reference > Platform > Notifications > Webhooks [Get a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/get.md)
- API Reference > Platform > Notifications > Webhooks [Delete a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/delete.md)
- API Reference > Platform > Notifications > Webhooks [Update a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/update.md)
- API Reference > Platform > Notifications > Webhooks [Activate a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/activate.md)
- API Reference > Platform > Notifications > Webhooks [Deactivate a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/deactivate.md)
- API Reference > Platform > Notifications > Webhooks [Add a webhook signing secret](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/create-signing-secret.md)
- API Reference > Platform > Notifications > Webhooks [Rotate a webhook signing secret](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/rotate-signing-secret.md)
- API Reference > Platform > Notifications > Webhooks [Get webhook history](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/get-history.md)
- API Reference > Platform > Notifications > Webhooks [List deliveries to a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/list-deliveries.md)
- API Reference > Platform > Notifications > Webhooks > Events [List webhook events](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/list.md)
- API Reference > Platform > Notifications > Webhooks > Events [Get a webhook event](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/get.md)
- API Reference > Platform > Notifications > Webhooks > Events [Get webhook event history](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/get-history.md)
- API Reference > Platform > Notifications > Webhooks > Events [List deliveries of a webhook event](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/events/list-deliveries.md)
- API Reference > Platform > Notifications > Webhooks > Exchanges [List webhook decision exchanges](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/exchanges/list.md)
- API Reference > Platform > Notifications > Webhooks > Exchanges [Get a webhook decision exchange](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/exchanges/get.md)
- API Reference > Platform > Notifications > Webhooks > Trigger Events [Replace webhook trigger events](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/trigger-events/replace.md)
- API Reference > Platform > Notifications > Webhooks > Trigger Events [Remove webhook trigger events](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/trigger-events/remove.md)
- API Reference > Platform > Notifications > Webhooks > Trigger Events [Add webhook trigger events](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/trigger-events/add.md)
- API Reference > Platform > Notifications > Webhooks > Filter Identifiers [Replace webhook filter identifiers](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/filter-identifiers/replace.md)
- API Reference > Platform > Notifications > Webhooks > Filter Identifiers [Remove webhook filter identifiers](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/filter-identifiers/remove.md)
- API Reference > Platform > Notifications > Webhooks > Filter Identifiers [Add webhook filter identifiers](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/filter-identifiers/add.md)
- API Reference > Platform > Notifications > Webhooks > Verification [Initialize webhook verification](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/verification/initialize.md)
- API Reference > Platform > Notifications > Webhooks > Verification [Verify a webhook](https://docs.thepennyinc.com/banking/api-reference/platform/notifications/webhooks/verification/verify.md)
- API Reference > Platform > Tasks [Get a task](https://docs.thepennyinc.com/banking/api-reference/platform/tasks/get.md)
- API Reference > Platform > Tasks [List tasks](https://docs.thepennyinc.com/banking/api-reference/platform/tasks/list.md)
- API Reference > Webhook Payloads > Business [business.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business/business-created-webhook.md)
- API Reference > Webhook Payloads > Business [business.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business/business-updated-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-created-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-updated-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.kyb.approved](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-kyb-approved-webhook.md)
- API Reference > Webhook Payloads > Business Entity [business_entity.kyb.declined](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/business-entity/business-entity-kyb-declined-webhook.md)
- API Reference > Webhook Payloads > User [user.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/user/user-created-webhook.md)
- API Reference > Webhook Payloads > User [user.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/user/user-updated-webhook.md)
- API Reference > Webhook Payloads > Account [account.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-created-webhook.md)
- API Reference > Webhook Payloads > Account [account.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-updated-webhook.md)
- API Reference > Webhook Payloads > Account [account.deletion.initialized](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-deletion-initialized-webhook.md)
- API Reference > Webhook Payloads > Account [account.deletion.completed](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-deletion-completed-webhook.md)
- API Reference > Webhook Payloads > Account [account.low_balance_alert](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/account/account-low-balance-alert-webhook.md)
- API Reference > Webhook Payloads > Linked Account [linked_account.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/linked-account/linked-account-created-webhook.md)
- API Reference > Webhook Payloads > Linked Account [linked_account.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/linked-account/linked-account-updated-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-created-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-updated-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.deletion.initialized](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-deletion-initialized-webhook.md)
- API Reference > Webhook Payloads > Cardholder [cardholder.deletion.completed](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/cardholder/cardholder-deletion-completed-webhook.md)
- API Reference > Webhook Payloads > Card [card.issued](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card/card-issued-webhook.md)
- API Reference > Webhook Payloads > Card [card.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card/card-updated-webhook.md)
- API Reference > Webhook Payloads > Card [card.terminated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card/card-terminated-webhook.md)
- API Reference > Webhook Payloads > Card Product [card_product.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card-product/card-product-created-webhook.md)
- API Reference > Webhook Payloads > Card Product [card_product.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/card-product/card-product-updated-webhook.md)
- API Reference > Webhook Payloads > Spend Control [spend_control.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/spend-control/spend-control-created-webhook.md)
- API Reference > Webhook Payloads > Spend Control [spend_control.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/spend-control/spend-control-updated-webhook.md)
- API Reference > Webhook Payloads > Spend Control [spend_control.deleted](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/spend-control/spend-control-deleted-webhook.md)
- API Reference > Webhook Payloads > Transaction [transaction.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/transaction/transaction-created-webhook.md)
- API Reference > Webhook Payloads > Transaction [transaction.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/transaction/transaction-updated-webhook.md)
- API Reference > Webhook Payloads > Ledger Entry [ledger_entry.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/ledger-entry/ledger-entry-created-webhook.md)
- API Reference > Webhook Payloads > Fee [fee.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/fee/fee-created-webhook.md)
- API Reference > Webhook Payloads > Fee [fee.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/fee/fee-updated-webhook.md)
- API Reference > Webhook Payloads > Task [task.created](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/task/task-created-webhook.md)
- API Reference > Webhook Payloads > Task [task.updated](https://docs.thepennyinc.com/banking/api-reference/webhook-payloads/task/task-updated-webhook.md)

## OpenAPI Specification

The raw OpenAPI 3.1 specification for this API is available at:
- [OpenAPI JSON](https://docs.thepennyinc.com/openapi.json)
- [OpenAPI YAML](https://docs.thepennyinc.com/openapi.yaml)


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> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.thepennyinc.com/banking/llms.txt.
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# Banking

Penny Banking gives you Capital, Control, and Linked Accounts, a shared ledger, and transfers between your Capital Accounts. Capital Accounts hold a real balance. Control Accounts hold no balance of their own: they scope how much can be spent against a Capital Account, and how fast. Linked Accounts are external bank accounts you register as sources of incoming funds.

Start with [Accounts](/banking/accounts) for how the account types relate, then [Transactions](/banking/transactions) for how money movement shows up on the ledger.