Analytics endpoints that summarize a connected account into decisioning signals - /GetIncomeAttributes for total, employment, and government income verification, and /GetCreditRiskAttributes for income sources, loan and bill payments, and additional risk measures.
openapi: 3.0.1
info:
title: Flinks API
description: >-
Representative specification of the Flinks financial data API. Businesses
connect to consumer and business bank accounts to aggregate account,
transaction, and statement data, verify identity, and derive income,
credit-risk, and fraud analytics. A session is opened with the multi-step
/Authorize (MFA) endpoint using a LoginId returned by Flinks Connect; the
resulting RequestId is passed to subsequent data, enrichment, and analytics
endpoints. All calls are authenticated with a short-lived authorize token
supplied in the flinks-auth-key header.
termsOfService: https://flinks.com/terms-of-service/
contact:
name: Flinks Support
url: https://help.flinks.com/
version: '3.0'
servers:
- url: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
description: Flinks per-customer instance host.
variables:
instance:
default: toolbox
description: Assigned instance / environment prefix (e.g. toolbox for sandbox).
customerId:
default: '00000000-0000-0000-0000-000000000000'
description: Your Flinks customer identifier (GUID).
paths:
/GenerateAuthorizeToken:
post:
operationId: generateAuthorizeToken
tags:
- Authorize
summary: Generate a short-lived authorize token.
description: >-
Exchanges your API secret for a 30-minute authorize token that must be
supplied in the flinks-auth-key header on all other endpoints.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/GenerateAuthorizeTokenRequest'
responses:
'200':
description: Authorize token generated.
content:
application/json:
schema:
$ref: '#/components/schemas/AuthorizeTokenResponse'
/Authorize:
post:
operationId: authorize
tags:
- Connect
summary: Open a banking session and handle MFA.
description: >-
Opens a session for a Flinks Connect LoginId. Returns HTTP 200 with a
RequestId and Links on success, or HTTP 203 with SecurityChallenges when
a multi-factor challenge is required. Resubmit with RequestId and
SecurityResponses to complete the challenge.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/AuthorizeRequest'
responses:
'200':
description: Authorization successful; session is ready for data calls.
content:
application/json:
schema:
$ref: '#/components/schemas/AuthorizeResponse'
'203':
description: Multi-factor authentication required.
content:
application/json:
schema:
$ref: '#/components/schemas/MfaChallengeResponse'
'400':
description: Invalid parameters.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
'401':
description: Authentication failed.
content:
application/json:
schema:
$ref: '#/components/schemas/Error'
/GetAccountsDetail:
post:
operationId: getAccountsDetail
tags:
- Connect
summary: Retrieve full account detail and transactions.
description: >-
Returns full detail for each linked account - identity, balances, up to
90 or 365 days of transactions, and holder KYC. May return HTTP 202;
poll /GetAccountsDetailAsync with the same RequestId until HTTP 200.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/GetAccountsDetailRequest'
responses:
'200':
description: Account detail returned.
content:
application/json:
schema:
$ref: '#/components/schemas/AccountsResponse'
'202':
description: Request accepted and processing; poll the async endpoint.
content:
application/json:
schema:
$ref: '#/components/schemas/AsyncPendingResponse'
/GetAccountsDetailAsync/{requestId}:
get:
operationId: getAccountsDetailAsync
tags:
- Connect
summary: Poll a pending accounts-detail request.
parameters:
- name: requestId
in: path
required: true
schema:
type: string
format: uuid
description: The RequestId returned by /Authorize.
responses:
'200':
description: Account detail returned.
content:
application/json:
schema:
$ref: '#/components/schemas/AccountsResponse'
'202':
description: Still processing.
content:
application/json:
schema:
$ref: '#/components/schemas/AsyncPendingResponse'
/GetAccountsSummary:
post:
operationId: getAccountsSummary
tags:
- Connect
summary: Retrieve general account summary information.
description: >-
Returns cardholder name (when available), balance, category, and EFT
eligibility for each linked account, without full transaction history.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/RequestIdBody'
responses:
'200':
description: Account summary returned.
content:
application/json:
schema:
$ref: '#/components/schemas/AccountsResponse'
'202':
description: Processing; poll /GetAccountsSummaryAsync.
content:
application/json:
schema:
$ref: '#/components/schemas/AsyncPendingResponse'
/GetStatements:
post:
operationId: getStatements
tags:
- Connect
summary: Retrieve PDF bank statements.
description: >-
Signs up one or more connected accounts to retrieve PDF statements
issued by their financial institution.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/GetStatementsRequest'
responses:
'200':
description: Statements returned.
content:
application/json:
schema:
$ref: '#/components/schemas/StatementsResponse'
/FieldMatch:
post:
operationId: fieldMatch
tags:
- Identity
summary: Verify applicant fields against the connected account holder.
description: >-
Compares supplied applicant identity fields (name, address, phone,
email) against the identity captured on the connected bank account and
returns per-field match results.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/FieldMatchRequest'
responses:
'200':
description: Field match results returned.
content:
application/json:
schema:
$ref: '#/components/schemas/FieldMatchResponse'
/GetCategorization:
post:
operationId: getCategorization
tags:
- Enrich
summary: Return categorized transactional data.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/RequestIdBody'
responses:
'200':
description: Categorized transactions returned.
content:
application/json:
schema:
$ref: '#/components/schemas/CategorizationResponse'
/GetIncomeAttributes:
post:
operationId: getIncomeAttributes
tags:
- Score
summary: Standardized income verification attributes.
description: >-
Returns a high-level overview of total income, employment income, and
government income for standardized income verification.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/AttributesRequest'
responses:
'200':
description: Income attributes returned.
content:
application/json:
schema:
$ref: '#/components/schemas/AttributesResponse'
/GetCreditRiskAttributes:
post:
operationId: getCreditRiskAttributes
tags:
- Score
summary: Credit risk and income attributes.
description: >-
Returns overall financial information, employment and non-employment
income sources, loan payments, bill payments, and additional risk
analysis measures.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/AttributesRequest'
responses:
'200':
description: Credit risk attributes returned.
content:
application/json:
schema:
$ref: '#/components/schemas/AttributesResponse'
/Upload:
post:
operationId: upload
tags:
- Fraud
summary: Process externally supplied bank statement / transaction data.
requestBody:
required: true
content:
multipart/form-data:
schema:
$ref: '#/components/schemas/UploadRequest'
responses:
'200':
description: Upload accepted and processed.
content:
application/json:
schema:
$ref: '#/components/schemas/UploadResponse'
/FraudAnalysis:
post:
operationId: fraudAnalysis
tags:
- Fraud
summary: Run fraud analysis on uploaded documents.
description: >-
Surfaces tampering and fraud signals from an uploaded document set.
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/RequestIdBody'
responses:
'200':
description: Fraud analysis result returned.
content:
application/json:
schema:
$ref: '#/components/schemas/FraudAnalysisResponse'
components:
securitySchemes:
flinks_auth_key:
type: apiKey
in: header
name: flinks-auth-key
description: >-
Short-lived (30-minute) authorize token obtained from
/GenerateAuthorizeToken.
security:
- flinks_auth_key: []
schemas:
Error:
type: object
properties:
HttpStatusCode:
type: integer
Message:
type: string
FlinksCode:
type: string
description: >-
Machine-readable code such as INVALID_LOGIN, DISABLED_LOGIN, or
QUESTION_NOT_FOUND.
required:
- HttpStatusCode
- Message
GenerateAuthorizeTokenRequest:
type: object
properties:
secret:
type: string
description: Your Flinks API secret.
required:
- secret
AuthorizeTokenResponse:
type: object
properties:
AuthorizeToken:
type: string
ExpiresIn:
type: integer
description: Token lifetime in seconds (1800).
Link:
type: object
properties:
rel:
type: string
href:
type: string
method:
type: string
AuthorizeRequest:
type: object
properties:
LoginId:
type: string
format: uuid
description: Identifier returned by Flinks Connect after a successful login.
MostRecentCached:
type: boolean
default: true
description: Use cached data (true, recommended) or live mode (false).
Language:
type: string
enum: [en, fr]
default: en
Save:
type: boolean
default: true
Tag:
type: string
RequestId:
type: string
format: uuid
description: Required when resubmitting after an MFA challenge.
SecurityResponses:
type: object
description: >-
Map of MFA question prompts to arrays of user answers.
additionalProperties:
type: array
items:
type: string
required:
- LoginId
AuthorizeResponse:
type: object
properties:
RequestId:
type: string
format: uuid
Institution:
type: string
InstitutionId:
type: string
Login:
type: object
Links:
type: array
items:
$ref: '#/components/schemas/Link'
HttpStatusCode:
type: integer
example: 200
SecurityChallenge:
type: object
properties:
Type:
type: string
Iterables:
type: array
items:
type: string
Prompt:
type: string
MfaChallengeResponse:
type: object
properties:
RequestId:
type: string
format: uuid
SecurityChallenges:
type: array
items:
$ref: '#/components/schemas/SecurityChallenge'
HttpStatusCode:
type: integer
example: 203
RequestIdBody:
type: object
properties:
RequestId:
type: string
format: uuid
description: RequestId returned by /Authorize.
required:
- RequestId
GetAccountsDetailRequest:
type: object
properties:
RequestId:
type: string
format: uuid
WithAccountIdentity:
type: boolean
default: true
description: Include transit / institution / account numbers.
WithKYC:
type: boolean
default: true
description: Include account-holder identity information.
WithTransactions:
type: boolean
default: true
DaysOfTransactions:
type: string
enum: [Days90, Days365]
AccountsFilter:
type: array
items:
type: string
WithDetailsAndBankingStatements:
type: boolean
required:
- RequestId
GetStatementsRequest:
type: object
properties:
RequestId:
type: string
format: uuid
AccountsFilter:
type: array
items:
type: string
NumberOfStatements:
type: string
description: Number of PDF statements to retrieve (e.g. Months3, Months12).
required:
- RequestId
Balance:
type: object
properties:
Available:
type: number
Current:
type: number
Limit:
type: number
Transaction:
type: object
properties:
Date:
type: string
format: date
Description:
type: string
Debit:
type: number
nullable: true
Credit:
type: number
nullable: true
Balance:
type: number
Holder:
type: object
properties:
Name:
type: string
Address:
type: object
properties:
CivicAddress:
type: string
City:
type: string
Province:
type: string
PostalCode:
type: string
Country:
type: string
Email:
type: string
PhoneNumber:
type: string
Account:
type: object
properties:
Id:
type: string
Title:
type: string
AccountNumber:
type: string
LastFourDigits:
type: string
TransitNumber:
type: string
InstitutionNumber:
type: string
Category:
type: string
Type:
type: string
Currency:
type: string
Balance:
$ref: '#/components/schemas/Balance'
Transactions:
type: array
items:
$ref: '#/components/schemas/Transaction'
Holder:
$ref: '#/components/schemas/Holder'
AccountsResponse:
type: object
properties:
RequestId:
type: string
format: uuid
Accounts:
type: array
items:
$ref: '#/components/schemas/Account'
Institution:
type: string
HttpStatusCode:
type: integer
example: 200
AsyncPendingResponse:
type: object
properties:
RequestId:
type: string
format: uuid
HttpStatusCode:
type: integer
example: 202
Message:
type: string
example: Operation is pending; poll the async endpoint.
Statement:
type: object
properties:
AccountId:
type: string
FileName:
type: string
Base64Content:
type: string
description: Base64-encoded PDF statement.
StatementsResponse:
type: object
properties:
RequestId:
type: string
format: uuid
Statements:
type: array
items:
$ref: '#/components/schemas/Statement'
FieldMatchRequest:
type: object
properties:
RequestId:
type: string
format: uuid
Name:
type: string
Address:
type: string
Email:
type: string
PhoneNumber:
type: string
required:
- RequestId
FieldMatchResult:
type: object
properties:
Field:
type: string
Matched:
type: boolean
Score:
type: number
FieldMatchResponse:
type: object
properties:
RequestId:
type: string
format: uuid
Results:
type: array
items:
$ref: '#/components/schemas/FieldMatchResult'
Category:
type: object
properties:
Name:
type: string
Amount:
type: number
Count:
type: integer
CategorizationResponse:
type: object
properties:
RequestId:
type: string
format: uuid
Categories:
type: array
items:
$ref: '#/components/schemas/Category'
AttributesRequest:
type: object
properties:
RequestId:
type: string
format: uuid
Package:
type: string
description: Attributes package name to compute.
required:
- RequestId
Attribute:
type: object
properties:
Name:
type: string
Value:
type: string
AttributesResponse:
type: object
properties:
RequestId:
type: string
format: uuid
Attributes:
type: array
items:
$ref: '#/components/schemas/Attribute'
UploadRequest:
type: object
properties:
file:
type: string
format: binary
description: The bank statement or transaction document to process.
Tag:
type: string
required:
- file
UploadResponse:
type: object
properties:
RequestId:
type: string
format: uuid
Status:
type: string
FraudAnalysisResponse:
type: object
properties:
RequestId:
type: string
format: uuid
FraudScore:
type: number
Signals:
type: array
items:
type: object
properties:
Name:
type: string
Severity:
type: string
security:
- flinks_auth_key: []