CD Operations & Core Calls - Nueve Solutions

The Self-Service CD widget runs embedded inside Candescent OLB (see Widget Integration). The widget calls our Python backend via sdk.getHttpClient(), and the backend normalises requests and responses across seven supported banking cores so the widget always works with the same generalised schema, regardless of which core is running behind the FI. Supported cores: Finxact, FIS IBS, Corelation, Fiserv Advantage, Symitar, OSI.

The widget is a single Module Federation remote. Internal navigation between flows is managed by React state and react-router-dom — there are no separate URLs. The FI registers one widget remote URL in Candescent admin, and the widget exposes the following named entry points via its component props.

Flow	How to Trigger
CD management (default)	Widget mounts and `useUserContext()` resolves — shows existing CDs
Open a new CD	Member selects “Open New CD” within the widget
Renewal	Member selects a CD eligible for renewal from the CD list
Close & Transfer	Member selects a mature CD and chooses close option

Route Map

Common Routes

Route Name	Description
`get_self_service_options`	Loads the initial options page
`get_self_service_features`	Reads the FI app configuration settings for this institution
`get_user_deposit_account_list`	Retrieves the member’s funding accounts list
`get_current_date`	Gets the current login date from the core

Manage CDs Routes

Route Name	Type	Description
`fetch_user_available_cds`	GET	Initial CD flow — retrieves all CDs for the logged-in member
`get_cd_rates`	GET	Retrieves available CD rates for renewal or new opening
`account_renewal`	POST	Renews a CD with a (potentially different) term
`get_understand_balance`	GET	Retrieves balance breakdown for close-and-transfer confirmation modal
`close_and_transfer`	POST	Closes a CD and transfers the balance to a target account

Open Account Routes

Route Name	Type	Description
`account_opening_tile_information`	GET	Returns available account types (checking, savings, CD, …) — driven by FI configuration
`get_account_type_list`	GET	Returns rates for a selected account type
`create_account`	POST	Opens a new account and initiates the fund transfer

`fetch_user_available_cds` — Get All CDs

Returns all CD accounts available to the logged-in member. Frontend sends:

{
  "hostAccountId": "<optional — fetch a single CD by ID>"
}

Backend sends to core:

tax_id, customer_id, customer_number, primary_cif,
account_numbers, account_group, member_numbers

Generalized response (per CD account):

Field	Type	Description
`account_number`	string	Internal account identifier
`user_account_number`	string	Display account number shown to member
`description`	string	Account product description
`nick_name`	string?	Member-defined account nickname
`account_type`	string	Account type code (e.g., `CDA`)
`sub_account_type`	string	Sub-type / product code
`share_id`	string	Share/position ID used in core calls
`interest_rate`	number	Annual interest rate
`apy`	number	Annual Percentage Yield
`maturity_date`	string	Maturity date (ISO 8601)
`formatted_maturity_date`	string	Maturity date formatted for display
`next_maturity_date`	string	Calculated next maturity date
`balance`	number	Available balance
`current_balance`	number	Current ledger balance
`closing_balance`	number	Balance used for close-and-transfer
`accrued_interest`	number?	Interest accrued to date
`is_account_active`	boolean	Whether the account is open and active
`is_cd_in_grace_period`	boolean?	Whether the CD is in its post-maturity grace window
`is_eligible_for_renewal`	boolean	Whether the member can renew this CD
`is_eligible_for_close`	boolean	Whether the member can close this CD
`is_eligible_for_open`	boolean	Whether additional opening is permitted
`host_acct_id`	number	Host system account ID (used in POST operations)
`position_td_id`	string	TD position ID (used for renew with different terms)
`roll_prod`	string	Configured rollover product code
`routing_number`	string	Routing number for external transfers

Core Mappings — `fetch_user_available_cds`

Finxact — two calls: get all accounts by customer_id, then get account details by account_number. Key response fields: acct_bk.acctNbr, posn_dep._Id, posn_depTd.maturityDtm, posn_depTd.nextMaturityDtm. FIS IBS — two calls: get all accounts by tax_id, then get CD detail by account_number. Response fields use dpAcctNbr, dptdCurBal, dptdNxtMat, dptdCurIntRte. Corelation — takes member_numbers + account_numbers. Response maps serial → account_number, maturityDate, balance, closeDate (null = active account), maturityPeriod → term. Fiserv Advantage — takes account_numbers + institution_number. Response maps AcctKeys.AcctId, DepositAcctInfo.MaturityDt, DepositAcctInfo.AcctDtlStatus.

`get_user_deposit_account_list` — Funding Accounts

Returns all eligible source accounts a member can use to fund a CD. No core call is made — account data is fetched directly from Account Management using the Q2 account list already loaded at session start. Generalized response (per funding account):

Field	Type	Description
`account_number`	string	Masked account number
`unmasked_account_number`	string	Full account number (server-side only)
`account_desc`	string	Display description / nickname
`account_balance`	number	Available balance
`is_external_account`	boolean	`true` for ACH / external accounts
`routing_number`	string?	ABA routing number (external accounts)
`host_acct_id`	number	Host system account ID
`type_of_account`	string	Product code (`hydra_product_code`)
`acct_type`	string	Normalized type (`checking`, `savings`, etc.)
`user_account_number`	string	User-facing account number
`member_number`	string	Member number

`get_cd_rates` — Available CD Rates

Returns available terms and rates for CD renewal or new CD opening. Backend sends to core: account_type Generalized response (per rate option):

Field	Type	Description
`description`	string	Product name / description
`account_type`	string	Account type code
`sub_account_type`	string	Sub-type / product code used in renewal/opening POST
`interest_rate`	string	Rate as formatted decimal string
`annual_yield`	number	APY
`term`	string	Human-readable term (e.g., `"12 M"`, `"18 M"`)
`minimum_balance`	number	Minimum opening balance
`prod_group`	string?	Product group (Finxact)

Core Mappings — `get_cd_rates`

Finxact — input: account type (ifxAcctType) + product name. Rate look-up key: Deposit+{term}. FIS IBS — input: product_id. Returns plan Nbr, MatTerm, MatTermID, interest_rate, annual_yield. Corelation — three chained calls: get_sub_share_serial_list(account_type) → get_sub_share_type_list(serials) → get_min_balance(serials). Returns share_id, sub_share_type, filtered_term. Fiserv Advantage — input: institution_number + sub_account_type. Returns APY1, Rate1, ProductNumber, term details, deposit_rate_index. Symitar — returns ranged terms (e.g., "12 - 17 Months") with a term_list array of individual month values.

`account_renewal` — Renew a CD (POST)

Renews a CD at a new term and rate. Frontend → Backend fixed payload:

{
  "accountNumber":       "<from fetch_user_available_cds>",
  "term":                "<from get_cd_rates>",
  "renewSubAccountType": "<from get_cd_rates>",
  "interestRate":        "<from get_cd_rates>",
  "apy":                 "<from get_cd_rates>",
  "shareId":             "<from fetch_user_available_cds>",
  "maturityDate":        "<from fetch_user_available_cds>",
  "renewAccountType":    "<from fetch_user_available_cds>",
  "hostAccountIds":      ["<host_acct_id>"],
  "accountIds":          ["<account_number>"]
}

Extra body from FI app configuration (institution-specific):

"EXTRA_ROUTE_BODY": {
  "interestPlan":    "selectedCurrentRate-interest_plan",
  "lastMaturityDate":"selectedCDDetails-last_maturity_date"
}

Backend extra parameters from FI app configuration:

"BE_EXTRA_PARAMS": {
  "interest_plan":     { "field": "interestPlan" },
  "is_immediate_change":{ "default": true }
}

Response displayed to member:

Field	Format	Description
`account_number`	string	Renewed account number
`effective_date`	`MM/DD/YYYY`	Renewal effective date
`interest_rate`	number	New interest rate
`apy`	number	New APY
`description`	string?	Renewal term description

Core Mappings — `account_renewal`

Finxact — extra inputs: renew_sub_account_type, td_vn_value. Returns renewed_sub_account_type. FIS IBS — inputs: account_number, term, old_maturity_date, share_id. Returns new account_number, share_id, renew_term, renew_term_frequency, new_maturity_date, interest_rate. Fiserv Advantage — inputs: institution_number, account_number, account_type, product_number, Maturity_date, classcode, term, term_code, Ratechangedt, Depositrateindex, Schedulerate.

`close_and_transfer` — Close CD & Transfer (POST)

Closes a mature CD and transfers the balance to a designated internal or external account. Frontend → Backend fixed payload:

{
  "fromAccountNumber":  "<from fetch_user_available_cds>",
  "fromAccountShareId": "<share_id>",
  "toAccountNumber":    "<user_account_number or unmasked_account_number>",
  "toAccountShareId":   "<account_id>",
  "isExternalAccount":  false,
  "fundAmount":         "<total_balance>",
  "toAccountType":      "<type_of_account>",
  "fromAccountType":    "<account_type>",
  "toAccountDesc":      "<account_desc>",
  "routingNumber":      "<aba_routing (external only)>",
  "hostAccountIds":     ["<host_acct_id>"],
  "accountIds":         ["<account_number>"]
}

Response displayed to member:

Field	Format	Description
`effective_date`	`MM/DD/YYYY`	Transfer effective date
`to_account_number`	string	Destination account number
`from_account_number`	string	Source (closed) CD number
`transferred_amount`	number	Total amount transferred

Core Mappings — `close_and_transfer`

Finxact — three calls: Get or set interest position → Fund transfer → Close reason. Inputs include td_id, round_opt, from/to account details, customer_id, fund_amount, routing_number, bank_name. FIS IBS — one call: Fund transfer. Inputs: from_account_number, from_account_share_id, to_account_number, fund_amount. Returns fmTrsfrFromAcct, fmTrsfrToAcct, fmTrsfrAmt. Fiserv Advantage — inputs: from_account, from_account_type, to_account, to_account_type, fund_amount, cda_transaction_code, transaction_code, description.

`create_account` — Open a New Account (POST)

Opens a new checking, savings, or CD account and initiates the initial fund transfer. Frontend → Backend fixed payload:

{
  "fromAccountNumber": "<user_account_number>",
  "fromAccountShareId":"<share_id>",
  "fundAmount":        "<funding amount entered by member>",
  "term":              "<from get_account_type_list>",
  "accountType":       "<from funding account>",
  "subAccountType":    "<from get_account_type_list>",
  "autorenewal":       true,
  "isDividendSameAccount": true,
  "dividendToAccount": "<target account for dividends>"
}

Response displayed to member:

Field	Format	Description
`account_number`	string	Newly created account number
`from_account_number`	string	Funding source account number
`fund_amount`	number	Amount transferred in
`maturity_date`	string	CD maturity date (if applicable)

Core Mappings — `create_account`

Finxact — fund transfer call. Same inputs as close_and_transfer: td_id, from/to account details, customer_id, fund_amount, routing_number. FIS IBS — one call: Fund transfer with from_account_number, from_account_share_id, to_account_number, fund_amount. Corelation — inputs: member_number, share_id, opening_balance, auto_renewal, is_dividend_to_same_account, dividend_transfer_to_share_serial, from_share_serial, fund_amount. Returns new account_number formatted as {member_number}-{share_id}, fund_amount, from_account_number, maturity_date.

`get_understand_balance` — Balance Breakdown

Returns the detailed balance breakdown shown in the “Understand Your Balance” modal before a member confirms a close-and-transfer. This helps the member understand the exact amount that will be disbursed including accrued interest. The modal displays principal, accrued interest, early withdrawal penalty (if any), and the final disbursement total.

FI App Configuration

Each institution that deploys the Self-Service CD app requires a per-FI JSON configuration object. This configuration controls which features are enabled, what labels and copy are displayed, how extra parameters flow between the front end and the banking core, and UI theme tokens. It is provided during onboarding and stored server-side — it is never exposed to the member’s browser. Key configuration sections:

Section	Purpose
`SELF_SERVICE_FEATURES`	Top-level feature flags and display settings
`MANAGE_CERTIFICATES`	Controls for the CD management flow (renewal, close)
`OPEN_ACCOUNT_FEATURES`	Controls for the account opening flow
`EXTRA_ROUTE_BODY`	Extra fields sent from the front end to the back end in POST requests
`BE_EXTRA_PARAMS`	Maps additional back-end-to-core fields, with static defaults or dynamic field mapping
`FINAL_MODAL_PROPS`	Fields displayed in the post-transaction success modal
`THEME_COLORS`	Primary, secondary, and tertiary color tokens

Field mapping syntax:

"BE_EXTRA_PARAMS": {
  "prop_name": { "field": "keyFromFrontend" },
  "prop_name": { "default": "staticValue" }
}

If the value comes from the front end, use "field". If it is a static value applied to all transactions for this institution, use "default". Source key prefixes used in EXTRA_ROUTE_BODY / BE_EXTRA_PARAMS:

Prefix	Source Route
`selectedCDDetails-`	Data from `fetch_user_available_cds`
`selectedAccount-`	Data from `get_user_deposit_account_list`
`selectedCurrentRate-`	Data from `get_cd_rates`
`choosenAccountDetails-`	Selected account type from `get_account_type_list`
`payload-`	Value from the POST response payload

​Widget Entry Points

​Route Map

​Common Routes

​Manage CDs Routes

​Open Account Routes

​fetch_user_available_cds — Get All CDs

​Core Mappings — fetch_user_available_cds

​get_user_deposit_account_list — Funding Accounts

​get_cd_rates — Available CD Rates

​Core Mappings — get_cd_rates

​account_renewal — Renew a CD (POST)

​Core Mappings — account_renewal

​close_and_transfer — Close CD & Transfer (POST)

​Core Mappings — close_and_transfer

​create_account — Open a New Account (POST)

​Core Mappings — create_account

​get_understand_balance — Balance Breakdown

​FI App Configuration

Widget Entry Points

Route Map

Common Routes

Manage CDs Routes

Open Account Routes

`fetch_user_available_cds` — Get All CDs

Core Mappings — `fetch_user_available_cds`

`get_user_deposit_account_list` — Funding Accounts

`get_cd_rates` — Available CD Rates

Core Mappings — `get_cd_rates`

`account_renewal` — Renew a CD (POST)

Core Mappings — `account_renewal`

`close_and_transfer` — Close CD & Transfer (POST)

Core Mappings — `close_and_transfer`

`create_account` — Open a New Account (POST)

Core Mappings — `create_account`

`get_understand_balance` — Balance Breakdown

FI App Configuration