# Open Finance US for Account Opening and Funding
source: https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/account-opening-and-funding/index.md

Account opening should take seconds, but issues like manual uploads and micro-deposits add delays. This is why Mastercard launched an enhanced Open Finance for Account Opening solution. This innovation integrates account owner verification with identity insights into a single API to help you meet your customers' needs for security and transparency and introduces new ways to instantly verify account ownership creating a better onboarding experience.
![Payments](https://static.developer.mastercard.com/content/open-finance-us/uploads/demo2.svg)

### Demo {#demo}

View the interactive prototype of the Open Finance Account Opening and Funding experience.   


[Open demo for Account Opening and Funding](https://www.figma.com/proto/8OjsuSyU4OzGfrebyyKvo2/Account-Opening-and-Funding---Demos?page-id=170%3A31389&type=design&node-id=721-8123&viewport=569%2C57%2C0.13&t=YvzHJMxDVn4qFt0j-1&scaling=scale-down&starting-point-node-id=721%3A8123&show-proto-sidebar=1&mode=design&fuid=1316298999584552659)
![Lending](https://static.developer.mastercard.com/content/open-finance-us/uploads/figma2.svg)

### Figma file {#figma-file}

Find the end-to-end product experience for Account Opening and Funding scenarios to duplicate and customize in your own environment.  


[Access Figma file for Open Finance US](https://www.figma.com/design/YU5IzH4kghkelrF044fKBO/Open-Banking-US-for-Account-Opening-and-Funding?node-id=0-1)
Note: Developers and product owners should also read our Use Case section [Account Opening and Funding](https://developer.mastercard.com/open-finance-us/documentation/usecases/ob-account-opening/index.md) which covers the webhooks and APIs that you will use.

## Account opening and optional funding after an account has been created - Data Connect Full {#account-opening-and-optional-funding-after-an-account-has-been-created---data-connect-full}

To view the UX journey, use **full screen mode** or **zoom** controls. Please allow a few seconds for the screens to load.

## Account opening with required account funding - Data Connect Full {#account-opening-with-required-account-funding---data-connect-full}

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## Account opening with optional account funding - Data Connect Full {#account-opening-with-optional-account-funding---data-connect-full}

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Tip: If you have any questions or need assistance with the customer experience or development, [contact us](https://developer.mastercard.com/open-finance-us/documentation/support/index.md).

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Next: [Deposit Switch](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/deposit-switch/index.md)