Real Time
Real Time APIs are exposed as a transparent passthrough to MX Real Time APIs via the Candescent APIs Gateway. After OAuth V2 token validation and routing, the gateway forwards request headers, paths, query parameters, and payloads to MX and returns responses unchanged.
The MX Real Time APIs are MX's specification for exchanging financial-institution data. It defines five core resources: users, members, accounts, transactions, and holdings that power MX Real Time APIs (synchronous CRUD operations).
For complete schemas and the full set of supported operations, see the MX Real Time APIs documentation.
End-user benefits
- Provide current balances, transactions, and holdings from institution core systems to MX-powered digital experiences.
- Keep user, member, and account data synchronized with MX pipelines.
- Support real-time updates using a single MX resource model.
Integration capabilities
- Transparent passthrough ensures that Real Time headers, paths, query parameters, and payloads are forwarded to MX, and that HTTP status codes and responses are returned unchanged.
- Gateway controls are applied by Candescent, including OAuth V2
Bearertoken validation, spike arrest, and quota enforcement, before requests are forwarded to MX. - MX routing is configured by setting
ext_hostto the MX Real Time host such aslive.moneydesktop.com(production) orint-live.moneydesktop.com(sandbox). - Content negotiation is supported through MX vendor-specific
Acceptheaders, such asapplication/vnd.moneydesktop.mdx.v5+xmlorapplication/vnd.moneydesktop.mdx.v5+jsonand include institution-scoped path segments as documented for each endpoint.
Required headers
| Header | Description |
|---|---|
Authorization | Bearer {token} (OAuth V2) |
correlationId | UUID used to trace and correlate requests across services for debugging and logging. |
ext_host | MX Real Time upstream host (for example, live.moneydesktop.com (production) or int-live.moneydesktop.com (sandbox)). Required for gateway routing; stripped before forwarding to MX. |
Accept | MX vendor media type (for example, application/vnd.moneydesktop.mdx.v5+xml or application/vnd.moneydesktop.mdx.v5+json). Required by MX; forwarded unchanged. |
Content-Type | MX vendor media type (for example, application/vnd.moneydesktop.mdx.v5+xml or application/vnd.moneydesktop.mdx.v5+json). Required by MX for POST and PUT requests; forwarded unchanged. |
Error codes
Candescent API Gateway
| Code | Message | HTTP Status Code |
|---|---|---|
| CMN_90000 | Internal server error | 500 |
| CMN_90001 | Client not authorized to access this resource | 401 |
| CMN_90001 | Quota limit violation | 500 |
| CMN_90002 | Spike limit violation | 500 |
| CMN_90008 | Header correlationId is invalid | 400 |
| CMN_90010 | Header correlationId is required | 400 |
| CMN_90010 | Header ext_host is required | 400 |
| CMN_90011 | Invalid or unsupported ext_host | 400 |
| CMN_90018 | Invalid token | 400 |
MX Real Time APIs
For detailed descriptions and error semantics, refer to the MX Real Time APIs documentation.
Endpoints
Passthrough Read
Transparent passthrough for **GET** requests to the [MX Real Time APIs](https://docs.mx.com/api-reference/more-apis/mdx/mdx-real-time/).
Passthrough Create
Transparent passthrough for **POST** requests to the [MX Real Time APIs](https://docs.mx.com/api-reference/more-apis/mdx/mdx-real-time/).
Passthrough Update
Transparent passthrough for **PUT** requests to the [MX Real Time APIs](https://docs.mx.com/api-reference/more-apis/mdx/mdx-real-time/).
Passthrough Delete
Transparent passthrough for **DELETE** requests to the [MX Real Time APIs](https://docs.mx.com/api-reference/more-apis/mdx/mdx-real-time/).