# FinGoal

**Canonical:** https://apis.io/providers/fingoal/  
**Website:** https://fingoal.com/  
**APIs profiled:** 4

FinGoal provides financial data insights for banks, credit unions, and fintechs. Its Insights API enriches raw bank and card transaction data with clean merchant names, categorization, and behavioral "Persona Tags" that power personalized recommendations, targeted offers, and better banking features. The API is batch-oriented: developers submit transactions, receive a batch_request_id, and collect enriched results by polling or via ENRICHMENT_DATA and USER_TAGS_DATA webhooks. FinGoal also offers Link Money for account aggregation and verification across 17,000+ financial institutions. Authentication uses a JWT minted from client_id/client_secret; developer credentials are issued on request. FinGoal is SOC 2 Type II and GDPR compliant.

## Kin Score — 57.7 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+4.2 from 53.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 70.1 |
| Governance | 20.8 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 66.8 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 59.5 (matched via tags).

## Agent readiness — 48.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **FinGoal Enrichment API** — The Insights API's transaction enrichment endpoints enable developers to clean and enhance their transaction data. This process includes standardizing merchant names, categorizi...
- **FinGoal User Tagging API** — markdown/tagging.md
- **FinGoal Webhook Configurations API** — Manage webhook callback URLs for your client. Supports default and tenant-specific configurations per webhook type.
- **FinGoal Link Money API** — Link Money is an authentication portal in front of a shared account-aggregation instance. A bank or credit union buys one aggregation environment (a "tenant"), and Link Money au...

## MCP servers (1)

- **fingoal-mcp.yml**

## Security (3)

- **Fingoal Authentication** — oauth2 · 2 schemes
- **Fingoal Domain Security** — TLSv1.3 · HSTS · DMARC
- **Fingoal Trust Center** — SOC 2 Type II, GDPR

## Plans (1)

- **Fingoal Plans Pricing**

## Tags

Financial Services, Fintech, Transaction Enrichment, Data Enrichment, Personal Financial Management, Banking, Categorization, Webhooks

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/fingoal/). Scores are computed from the provider's own public artifacts under a published rubric.