From f7fb9931540aa926e6884e9819ced291f60396eb Mon Sep 17 00:00:00 2001
From: "claude[bot]" <41898282+claude[bot]@users.noreply.github.com>
Date: Wed, 5 Aug 2026 09:00:43 +0000
Subject: [PATCH] docs: document ownershipType field for external accounts

Add documentation for the new optional ownershipType field (FIRST_PARTY,
THIRD_PARTY) introduced in #784. This field helps platforms distinguish
between first-party transfers (to customer's own account) and third-party
transfers (to another person's account) for compliance purposes.

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
---
 mintlify/snippets/external-accounts.mdx | 30 +++++++++++++++++++++++++
 1 file changed, 30 insertions(+)

diff --git a/mintlify/snippets/external-accounts.mdx b/mintlify/snippets/external-accounts.mdx
index 671c698f..de637923 100644
--- a/mintlify/snippets/external-accounts.mdx
+++ b/mintlify/snippets/external-accounts.mdx
@@ -1893,6 +1893,36 @@ For business accounts, include business information:
 }
 ```
 
+### Account ownership type
+
+Use the optional `ownershipType` field to indicate whether the external account belongs to the customer themselves or to a third party:
+
+| Value | Description |
+| --- | --- |
+| `FIRST_PARTY` | The account belongs to the customer (e.g., their own bank account at another institution) |
+| `THIRD_PARTY` | The account belongs to someone else (e.g., paying a vendor or sending to a family member) |
+
+```json
+{
+  "currency": "USD",
+  "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
+  "ownershipType": "THIRD_PARTY",
+  "accountInfo": {
+    "accountType": "USD_ACCOUNT",
+    "accountNumber": "987654321",
+    "routingNumber": "021000021",
+    "beneficiary": {
+      "beneficiaryType": "INDIVIDUAL",
+      "fullName": "Jane Smith"
+    }
+  }
+}
+```
+
+<Info>
+  `ownershipType` is optional. When omitted, Grid does not assume a default. Use this field when your compliance requirements distinguish between first-party and third-party transfers.
+</Info>
+
 ## Minimum required beneficiary fields
 
 The following tables show the minimum required fields for individual and business beneficiaries. All other fields are optional but recommended for faster compliance review.