BridgeFT

BridgeFT is a data aggregation integration that syncs portfolio data from the BridgeFT WealthTech API into RightCapital. It supports both custodian accounts and held-away accounts via Plaid.

Overview

Attribute	Value
Integration Type	Data Sync (Import)
Authentication	OAuth 2.0 (JWT-based)
Data Flow	BridgeFT → RightCapital (inbound)
Data Sync	On-demand sync
Entity Model	Household with Children (Accounts, Holdings)

Account Sources

BridgeFT provides two account sources:

Source	Description	Holdings API	Balance API
Custodian	Direct custodian accounts	`/data/luca/account-holdings/filter`	`/data/luca/account-balances/filter`
Held-away	Plaid-connected accounts	`/heldaway/holdings/filter`	Embedded in account response

Custodian Accounts

Filtered by is_active=true and status in ['funded', 'papered']
Uses account id as reference
Balances from T-2 weekdays (data freshness lag)

Held-away Accounts (Plaid)

Uses plaid_account_id as reference
Account type determines RightCapital account type:
- credit → Card Account
- depository → Bank Account
- investment / other → Investment Account

Account Type Mapping

BridgeFT Subtype	RightCapital Type
`401k`, `Individual 401K`	401K
`Roth IRA`, `Minor Roth IRA`	Roth IRA
`SEP-IRA`	SEP IRA
`Simple IRA`, `IRA`, `Nationwide IRA`	Simple IRA
`Rollover IRA`, `Traditional IRA`	Traditional IRA
`Education Savings Account`	529
`Inherited IRA`	Inherited Traditional IRA
`Trust`	Trust
`UGMA-UTMA`	UTMA
`Individual`, `JTWROS`, `Corporation`	Taxable

Holding Types

Code	Description	Mapped Type
`CA`	Cash Asset Class	CD
`CE`	Cash Equivalent	Closed-End Fund
`CR`	Crypto	Open-End Fund
`DT`	Fixed Income	Bond
`EQ`	Equity	Equity
`ETF`	ETF	ETF
`MX`	Mixed/Other	Option
`UC`	Unclassified	Option

Code Locations

Component	Path
Backend Integration	`retail-api/app/Integrations/BridgeFt/`
Connector (OAuth2)	`Connector.php`
Integrator	`Integrator.php`
Config	`Config.php`
Models	`Models/Account.php`, `Models/InvestmentAccount.php`, `Models/BankAccount.php`, `Models/Holding.php`, `Models/Household.php`
OAuth2 Provider	`OAuth2/Provider.php`

Common Issues

Empty Access Token

Symptom: Required option not passed: "access_token" error

Solution: Re-authenticate the integration.

Data Freshness

Symptom: Holdings data appears outdated.

Cause: LUCA data uses T-2 weekdays for reliability.

Account Not Syncing

Symptom: Account visible in BridgeFT but not imported.

Solution: Verify account is_active=true and status is funded or papered.

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