Consumer-Owned Accounts (HSA) Quick Start

This guide covers everything you need to enroll members into Health Savings Accounts (HSA) — Lynx's member-owned account product.

What Makes HSA Different

The member owns the account (real financial account in their name)
KYC (identity verification) is required before the account can be opened
SSN is required for KYC and IRS reporting
In lieu of SSN, member can provide passport number
Members can:
- Contribute their own funds
- Receive employer contributions
- Invest funds
Account is portable (member keeps it if they leave employer)
IRS contribution limits apply (Individual vs Family coverage)

Understand KYC Flow

HSA enrollment triggers identity verification. Members may:

Be approved instantly
Require document upload
Be denied

Your integration should handle all three outcomes.

Required Fields

Field	Type	Description
clientMemberId	string	Your unique identifier for this member
clientOrg.name	string	The Client Org to enroll into
firstName	string	Legal first name
lastName	string	Legal last name
ssn	string	Social Security Number (XXX-XX-XXXX or XXXXXXXXX)
dateOfBirth	string	Date of birth (YYYY-MM-DD)
addresses	array	At least one residential address (no PO boxes)
phones	array	At least one primary phone
emails	array	At least one primary email
healthPlanCoverageType	string	Individual or Family
memberProducts	array	Must include HSA product
memberCardPreferences.planName	string	From plan summary
memberCardPreferences.cardPackageName	string	From plan summary
idempotencyKey	string	Unique request identifier

Enroll a Member

Submit enrollment request with required fields.

What Happens Next

Lynx validates request:
- Required fields
- Product configuration
- Duplicate SSN
Member created:
- Status: NEW
- KYC begins
KYC runs:
- Submitted to banking partner

KYC Outcomes

Outcome	Member Product Status	Action
Pass	Account_Active	Nothing — account opens
PendingReview	Account_Active	Nothing
Needs Documents	Awaiting Documents	Collect and upload documents
Fail	Denied	Notify member, retry if needed

Monitor Enrollment Status

Webhooks

Event	Meaning
lynx.enrollment.submitted	Enrollment received, KYC starting
lynx.enrollment.approved	KYC passed, account created
lynx.enrollment.awaitingDocuments	KYC needs documentation
lynx.enrollment.denied	KYC failed
lynx.card.issued	Card generated

Handle KYC Fallout

When KYC requires documents:

{
  "memberProduct": {
    "status": "Awaiting Documents",
    "verificationFailures": [
      {
        "type": "IDENTITY",
        "message": "Unable to verify identity"
      }
    ]
  }
}

Acceptable Documents

Type	Acceptable Documents
IDENTITY	Driver’s License, State ID, Passport, Military ID, US Visa
ADDRESS	Driver’s License, Lease, Bank Statement (60 days), Utility Bill (60 days)
SSN	Social Security Card, W-2, 1099, Tax Return (within 2 years)

After Enrollment

Once active:

Display card details → Viewing Card Details with VGS
Link external bank → Plaid integration
Process money movement (contributions/reimbursements → Payment APIs
Enable investments → Investments integration (coming soon)

Combined Enrollments (HSA + LPFSA example)

You can enroll both in a single request. HSA drives requirements (SSN, DOB, etc.).

{
  "clientMemberId": "EMP-001",
  "ssn": "111-11-1111",
  "dateOfBirth": "1985-06-15",
  "healthPlanCoverageType": "Family",
  "memberProducts": [
    {
      "product": { "name": "HSA" },
      "effectiveDate": "2026-01-01"
    },
    {
      "product": { "name": "LPFSA" },
      "effectiveDate": "2026-01-01"
    }
  ],
  "memberAccounts": [
    {
      "product": { "name": "LPFSA" },
      "electionAmount": 2850.00
    }
  ]
}

HSA → goes through KYC
LPFSA → auto-approved (no KYC)

See Plan-Owned Programs Quick Start for more details.