Developers Solutions Company Pricing
Log in Book a demo
Family Identity API℠ — Live

The missing record between families and the institutions that serve them.

Families have no structured financial identity. Data is scattered, roles are undocumented, and every institution starts from scratch. The Family Identity API℠ changes that — one verified, governed record, queryable by every bank, advisor, attorney, and tax platform that serves them.

Read the docs Book a demo

Verified.  Governed.  Shared.

GET /v1/family-identity/fam_8xKz9P · 200 OK
{
"schema_version": "2.4.1",
"family": {
"id": "fam_8xKz9P",
"name": "The Harrison Family",
"member_count": 4,
"established": "2019-03-14"
},
"capital": {
"total_pooled": 2840000,
"net_family_wealth": 4120000,
"currency": "USD"
},
"constitution": {
"status": "ratified",
"ratified_at": "2024-11-02",
"version": 3
},
"members": [
{ "role": "primary", "verified": true },
{ "role": "co-primary", "verified": true }
],
"goals": [
{ "type": "estate_planning", "priority": 1 },
{ "type": "generational_transfer", "priority": 2 }
]
}
Prudently Family Identity API℠

One record. Every institution.
No intake form.

Without a structured, verified record, professionals cannot efficiently determine who the family members are, what assets they own, what decisions they have made, or how they govern themselves. Prudently solves this — a persistent, governed financial identity for the family unit that every institution can query once and stay connected to as it updates in real time.

  • Verified member roles and governance
  • Ratified family constitution
  • Capital position and asset registry
  • Trust structures and document vault
  • Advisor network and voting history
  • Real-time permissioned access for institutions
Family Identity Record Constitution Ratified ✓
The Harrison Family
fam_8xKz9P  ·  est. 2019
Net Family Wealth $4,120,000
Pooled Capital $2,840,000
Constitution Status Ratified — v3
Document Vault 14 documents
Members
Marcus Harrison Primary
Diane Harrison Co-Primary
Jordan Harrison Adult Member
Tyler Harrison Minor
API

A single API call
returns everything.

Terminal
curl -X GET https://api.prudently.co/v1/family-identity/fam_8xKz9P \
-H "Authorization: Bearer pk_live_••••••••••••••••" \
-H "Prudently-Version: 2024-11" \
-H "Accept: application/json"
Response — 200 OK · 34ms
{
"object": "family_identity",
"id": "fam_8xKz9P",
"live_mode": true,
"access_scope": "wealth_management",
"access_expires_at": "2026-05-01T00:00:00Z",
"capital": {
"net_family_wealth": 4120000,
"total_pooled": 2840000,
"verified_at": "2026-04-01"
},
"constitution": { "status": "ratified" },
"member_count": 4,
"verified": true
}
Permissioned Access

Families grant time-limited, scoped access to specific institutions. You only receive the fields you're authorized for.

Real-Time Updates

The record updates as the family makes decisions. Webhook events notify your platform on every governed change.

Verified Data

Most family financial data lives across spreadsheets, paper files, and disconnected legal documents. Every field in the Prudently record is derived from governed family activity — not self-reported, never re-requested.

Platform

Build on the family
identity layer.

The same way developers built payment products on Stripe, financial institutions build family-native products on Prudently.

Family Capital Pooling
Structure collective investment vehicles around verified family capital — governed, documented, and queryable by every institution the family works with.
→
Generational Investment Platforms
Build portfolios aligned to family governance goals, time horizons, and succession plans.
→
Family Insurance Underwriting
Price life, property, and liability products using verified household composition, asset values, and beneficiary structures.
→
Automated Estate Planning
Most families operate without a documented succession plan. Trigger document generation and legal workflows from live family identity events — before a crisis forces the conversation.
→
Family Wealth Benchmarking
Deliver institutional-grade performance measurement for family capital — tracking growth, allocation, and progress against governed family goals.
→
Multi-Generational Tax Optimization
Coordinate tax strategy across the full family unit — using verified capital position, trust structures, and succession plans to minimize erosion of family wealth across generations.
→
Intergenerational Wealth Transfer
Build products that move governed capital across generations — triggered by family identity events, succession milestones, and ratified governance decisions.
→
Consolidated Wealth Reporting
One view of every account, asset, trust, and goal across the entire family — the report a $100M family office pays $50K/year to generate, now available via API.
→
Private Investment Access
Verified Prudently families unlock access to private equity and alternatives that require proof of pooled capital and governance — the barrier most families can never clear without this record.
→
How It Works

The family shares once.
Every institution stays connected.

1
Family builds their governed record
Members complete verification, ratify a family constitution, and establish their capital position in the Prudently app.
2
Institution requests permissioned access
Banks, advisors, and attorneys request a scoped, time-limited token. The family reviews and approves in seconds.
3
Prudently returns a verified response
A scoped JSON payload — containing only what's authorized — is returned in real time. No intake form. No follow-up.
Before Prudently
14 hrs
Average family intake time
  • 75 documents requested repeatedly across institutions
  • Same data re-entered at every institution
  • No shared record — every advisor starts from zero
  • Months of back-and-forth before products are funded
After Prudently
2.5 hrs
One-time verification — shared forever
  • Single verified record shared across all institutions
  • 75% reduction in redundant document requests
  • Real-time updates as the family's situation evolves
  • Products funded in days, not months
Who Builds on Prudently

Built for every institution
that serves families.

Every institution serving a family today is starting from zero — the same intake forms, the same document requests, the same incomplete picture. Prudently gives every institution a single, verified source of truth.

Banks & Credit Unions
Family-level capital assessment and deposit products built around the full family wealth picture.
Registered Investment Advisors
Know-your-family onboarding and live updates to family wealth position.
Estate & Legal Platforms
Verified membership, governance docs, and trust structures on demand.
Tax Platforms
Family-level income, asset, and entity data for holistic tax optimization.
Insurance Providers
Accurate household composition, asset values, and beneficiary structures.