API Broker

API Broker is the modular financial infrastructure of AdCap Grupo Financiero that allows your platform to offer investment services quickly, securely, and in a regulated manner. Digital wallets, fintechs, banks, and technology integrators connect through our APIs to enable investor onboarding, mutual funds, MEP Dollar, trading, and balance remuneration — without taking on operational or regulatory complexity.

Integration is 100% via API and webhooks. The end-user experience is 100% yours.

How the documentation is organized

🔐 Authentication

All API Broker APIs use Bearer (JWT) authentication managed through AWS Cognito. The first step is always to obtain a valid token.

POST /api/auth/login

{
  "username": "your_username",
  "password": "your_password"
}

The response includes an AccessToken valid for 1 hour and a RefreshToken to renew the session. All requests require the header: Authorization: Bearer {AccessToken}

Credentials are assigned by the API Broker team during the Staging phase and subsequently in Production. Each environment has its own credentials and base URL:

Environment	Base URL
Staging (STG)	`http://apibroker.dev-adcap.com`
Production (PRD)	`http://apibroker.prd-adcap.com`

⚙️ Onboarding

Onboarding is a prerequisite for all modules. Before a user can invest, they need an active brokerage account (investment_account_id). The flow has four sequential steps:

Step 1 — Person registration POST /v2/persons

Registers the user in the system. Supports individuals (national ID, personal data) and legal entities (company name, corporate data). Returns a person_id.

Step 2 — Documentation

Individuals: POST /identity-documents — front and back of national ID + selfie in base64.
Legal entities: POST /contracts (multipart) — articles of incorporation, certified financial statements, list of authorized signatories, beneficial ownership structure.

Step 3 — Brokerage account POST /v2/investment-accounts

Creates the investment account linked to the person_id. Includes a risk profile questionnaire (5 questions) and defines enabled markets. Returns an investment_account_id.

For legal entities, the system automatically generates a fund account, required to operate mutual funds using the SIMPLE method.

Step 4 — Bank account POST /bank-accounts

Links a same-name bank account (same ownership, validated by tax ID) to enable deposits and withdrawals. Returns a bank_account_id.

📦 Available Modules

Once onboarding is complete, you can enable one or more modules independently depending on the product you want to offer:

Module	What it enables	Main endpoint
Balance Remuneration	Automatic yield on idle balances via Money Market mutual funds	`PUT /continuous-remuneration`
Mutual Funds	Subscription and redemption of Adcap Asset Management funds	`POST /market/fund-requests`
MEP Dollar	Buy and sell dollars via the capital markets (T+0)	`POST /market/mep-order`
Trading	Buy and sell CEDEARs, equities, and bonds (BYMA)	`POST /market/market-order/`

Each module operates on the same investment_account_id and the same cash in / cash out flow.

🔔 Webhooks

All operations are asynchronous. Your platform must expose a URL to receive the following events:

Event	When it fires
`deposit_create`	When a deposit is credited to the brokerage account
`investment_account_update`	When the brokerage or fund account is successfully created
`withdraw_request_update`	When the status of a withdrawal changes (`IN_PROGRESS`, `COMPLETED`, `REJECTED`)

🔵 Back Office

API Broker provides a web Back Office so your team can look up and manage your users' information without going directly to the API.

From the Back Office you can:

Search for individuals by tax ID and retrieve their person_id
Check the status of brokerage accounts and their full portfolio (balances, mutual funds, CEDEARs, equities, bonds)
Review deposits, withdrawals, and trade tickets
Quickly identify enabled or blocked accounts

Back Office access is configured during the integration process along with production credentials.

Business Model

API Broker operates under a B2B2C model with revenue sharing.

There are no fixed integration costs: monetization is based on volume traded.

Who It's Designed For

Partner type	Primary use case
Digital wallets	Remunerate idle balances, offer mutual funds and MEP Dollar to boost engagement and revenue
Investment apps	Expand catalog with CEDEARs, bonds, mutual funds, and regulated digital onboarding
Banks	Digitize the investment experience without redesigning legacy systems
Technology integrators	Offer "investment as a service" to their fintech clients
Corporate treasuries	Optimize yields on idle balances via money market

Integration Process

The path from first contact to go-live follows these milestones:

NDA signing — access to extended documentation and internal credentials
Staging credentials — sandbox environment setup
Development on Staging — integration and testing with technical support
Homologation — joint testing with the API Broker team
Production credentials — final keys and production domains
Beta launch — validation with controlled traffic
Go Live — full operation with joint monitoring during the first 72 hours

We support every stage with direct technical, business, and operational support. You're not a ticket number: you have a dedicated account manager from day one.

Getting Started

Write to [email protected] to kick off the process.
We sign the NDA and assign you an account manager.
You receive Staging credentials and access to the full documentation.
Your team starts integrating with direct support from the API Broker team.

API Broker was born within AdCap Grupo Financiero, one of the leading players in the Argentine capital markets with over 20 years of experience. Our team combines expertise in financial markets, technology, digital product, regulation, and compliance.