Connect

Mode: connect

Opal Connect is the primary way to connect user liability accounts with Method. This pre-built flow gathers a user’s consent, verifies their identity, and completes any needed verifications to ensure their accounts are connected to the Method ecosystem.

What this mode does

Connect lets users find and connect their liability accounts (credit cards, loans, mortgages, etc.). Configure whether users may select a single account, multiple accounts, or by default select all eligible accounts.

Parameters

Create a token

You can create a connect session token using one of the supported patterns:

• Existing entity: provide entity_id + mode + connect
• Create new entity: provide entity + mode + connect
• Resume session: provide session_id only (omit mode and connect)

Existing Entity

{
  "entity_id": "ent_...",
  "mode": "connect",
  "connect": {
    "selection_type": "single",
    "account_filters": {
      "include": {
        "account_types": ["credit_card", "auto_loan"]
      }
    }
  }
}

Create New Entity

{
  "entity": {
    "type": "individual",
    "individual": {
      "first_name": "Kevin",
      "last_name": "Doyle",
      "phone": "[phone]"
    }
  },
  "mode": "connect",
  "connect": {
    "selection_type": "multiple",
    "account_filters": {
      "exclude": {
        "account_types": ["personal_loan"],
        "mch_ids": ["mch_123"],
        "unverified_account_numbers": true
      }
    }
  }
}

Response

{
  "token": "otkn_...",
  "valid_until": "2025-06-10T22:50:53.024Z",
  "session_id": "osess_..."
}

Launch Opal

React (Web)

import { OpalProvider, useOpal } from "@methodfi/opal-react";

function Screen() {
  const { open } = useOpal({ env: "dev", onEvent: (e) => {} });
  const start = async () => {
    const { token } = await getTokenFromBackend();
    open({ token });
  };
  return <button onClick={start}>Connect Accounts</button>;
}