Skip to main content
Understanding the SOLO data model helps you work effectively with the API. Here are the core entities and how they relate.

​
Core Entities

​
Stakeholder

A stakeholder represents an organization participating in the SOLO Network — typically a financial institution, fintech company, or data provider. Your API credentials are scoped to a stakeholder. All data you furnish and query is associated with your stakeholder context.

​
Account

An account links a user to a stakeholder. Each stakeholder has one or more accounts, with one designated as the owner account.

​
Consumer

A consumer represents an individual person in the network. Consumer data is identified by PII fields like name, date of birth, and SSN (last four digits). The network matches consumers across stakeholders using these identifiers.

​
Business

A business represents a legal entity. Businesses are identified by fields like legal name, tax identifier (EIN), jurisdiction of formation, and registered address.

​
Multi-Tenancy

The SOLO Network is multi-tenant by design:
  • Each stakeholder’s data is isolated — you can only query data that has been explicitly shared with the network
  • Cross-reference IDs (cross_reference_id) allow you to map SOLO records to your internal systems
  • Stakeholder context is automatically set from your authentication token

​
Data Flow

When you furnish data, it is stored in the network and associated with the matched consumer or business entity. When you query, the network aggregates data from all participants who have furnished data for that subject.

​
Data Ingestion

For bulk data operations, the SOLO Network supports file-based ingestion:
  1. Upload files via SFTP to your designated bucket
  2. Files are automatically detected by the S3 polling workflow
  3. Each file is streamed record-by-record through the ingestion pipeline
  4. Records are routed to the appropriate template based on schema detection
  5. Processing results are tracked per-file with completion status
Supported formats include CSV and JSON Lines (JSONL). Schema detection happens automatically based on column headers.
Contact your SOLO account manager to set up SFTP access for bulk data ingestion.