Flinks website screenshot

Flinks

Flinks is a Canadian financial data platform (owned by National Bank of Canada) that lets 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. Access begins with a Flinks Connect authentication session and a multi-step /Authorize (MFA) call, after which banking, enrichment, and analytics endpoints are invoked with the returned RequestId.

Flinks publishes 6 APIs on the APIs.io network, including Authorize API, Connect API, Enrich API, and 3 more. Tagged areas include Financial Data, Open Banking, Bank Aggregation, Fintech, and Canada.

Flinks’ developer surface includes authentication, documentation, engineering blog, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
36.7/100 thin ▬ flat Agent 36/100 agent ready Full breakdown ↓
scored 2026-08-24 · rubric v0.12.1
AccessFreemiumSelf serve⚡ Free to try
6 APIs
Financial DataOpen BankingBank AggregationFintechCanada

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-24 · rubric v0.12.1
Composite quality — 36.7/100 · thin
Contract Quality 11.4 / 21
Developer Ergonomics 4.0 / 17
Access Clarity 6.3 / 17
Operational Transparency 3.5 / 11
Contract Governance 0.0 / 10
Discoverability 6.3 / 9
Regulatory Posture 4.4 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/flinks: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Flinks Authorize API

The Authorize API from Flinks — 1 operation(s) for authorize.

Flinks Connect API

The Connect API from Flinks — 5 operation(s) for connect.

Flinks Enrich API

The Enrich API from Flinks — 1 operation(s) for enrich.

Flinks Fraud API

The Fraud API from Flinks — 2 operation(s) for fraud.

Flinks Identity API

The Identity API from Flinks — 1 operation(s) for identity.

Flinks Score API

The Score API from Flinks — 2 operation(s) for score.

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Flinks Authorize API

OPEN COLLECTION

Flinks Authorize Connect API

OPEN COLLECTION

Flinks Authorize Enrich API

OPEN COLLECTION

Flinks Authorize Fraud API

OPEN COLLECTION

Flinks Authorize Identity API

OPEN COLLECTION

Flinks Authorize Score API

OPEN COLLECTION

Flinks API

OPEN COLLECTION

Scroll for all 8

Pricing Plans 1

Published pricing tiers and plan structures.

Flinks Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Flinks Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Flinks Finops

FINOPS

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Flinks Authentication

apiKey · 1 scheme

SECURITY

Flinks Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Flinks Vulnerability Disclosure

disclosure policy published

SECURITY

Flinks Trust Center

SOC 2, PCI DSS

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Flinks Agentic Access

12 operations · 11 acting

12 operations · 11 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Access & Security 4

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: flinks
url: https://raw.githubusercontent.com/api-evangelist/flinks/refs/heads/main/apis.yml
name: Flinks
kind: company
description: Flinks is a Canadian financial data platform (owned by National Bank of Canada) that lets 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. Access begins with a Flinks Connect authentication session and a multi-step /Authorize
  (MFA) call, after which banking, enrichment, and analytics endpoints are invoked with the returned RequestId.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/flinks.png
tags:
- Financial Data
- Open Banking
- Bank Aggregation
- Fintech
- Canada
created: '2026-07-01'
modified: '2026-07-01'
specificationVersion: '0.23'
apis:
- aid: flinks:flinks-authorize-api
  name: Flinks Authorize API
  description: The Authorize API from Flinks — 1 operation(s) for authorize.
  humanURL: https://docs.flinks.com/api/authorize/endpoints/authorize
  baseURL: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
  tags:
  - Authorize
  properties:
  - type: OpenAPI
    url: openapi/flinks-authorize-api-openapi.yml
  - type: Documentation
    url: https://docs.flinks.com/api/authorize/endpoints/authorize
  - type: APIReference
    url: https://docs.flinks.com/reference/authorize
  - type: PostmanCollection
    url: collections/flinks.postman_collection.json
  - type: OpenCollection
    url: collections/flinks.opencollection.json
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountsdetail
  - type: APIReference
    url: https://docs.flinks.com/reference/step-2-calling-for-data
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountssummary
  - type: APIReference
    url: https://docs.flinks.com/reference/getaccountssummaryasync
  - type: Documentation
    url: https://docs.flinks.com/reference/getstatements-1
  - type: Documentation
    url: https://docs.flinks.com/reference/choose-the-correct-endpoint
  - type: Documentation
    url: https://docs.flinks.com/guides/set-up-the-attributes-api-call
  - type: APIReference
    url: https://docs.flinks.com/docs/list-of-attributes-packages
  - type: Documentation
    url: https://docs.flinks.com/docs/getincomeattributes-1
  - type: APIReference
    url: https://docs.flinks.com/docs/getcreditriskattributes-1
  - type: Documentation
    url: https://docs.flinks.com/docs/legacy-api-integrations
- aid: flinks:flinks-connect-api
  name: Flinks Connect API
  description: The Connect API from Flinks — 5 operation(s) for connect.
  humanURL: https://docs.flinks.com/api/authorize/endpoints/authorize
  baseURL: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
  tags:
  - Connect
  properties:
  - type: OpenAPI
    url: openapi/flinks-connect-api-openapi.yml
  - type: Documentation
    url: https://docs.flinks.com/api/authorize/endpoints/authorize
  - type: APIReference
    url: https://docs.flinks.com/reference/authorize
  - type: PostmanCollection
    url: collections/flinks.postman_collection.json
  - type: OpenCollection
    url: collections/flinks.opencollection.json
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountsdetail
  - type: APIReference
    url: https://docs.flinks.com/reference/step-2-calling-for-data
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountssummary
  - type: APIReference
    url: https://docs.flinks.com/reference/getaccountssummaryasync
  - type: Documentation
    url: https://docs.flinks.com/reference/getstatements-1
  - type: Documentation
    url: https://docs.flinks.com/reference/choose-the-correct-endpoint
  - type: Documentation
    url: https://docs.flinks.com/guides/set-up-the-attributes-api-call
  - type: APIReference
    url: https://docs.flinks.com/docs/list-of-attributes-packages
  - type: Documentation
    url: https://docs.flinks.com/docs/getincomeattributes-1
  - type: APIReference
    url: https://docs.flinks.com/docs/getcreditriskattributes-1
  - type: Documentation
    url: https://docs.flinks.com/docs/legacy-api-integrations
- aid: flinks:flinks-enrich-api
  name: Flinks Enrich API
  description: The Enrich API from Flinks — 1 operation(s) for enrich.
  humanURL: https://docs.flinks.com/api/authorize/endpoints/authorize
  baseURL: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
  tags:
  - Enrich
  properties:
  - type: OpenAPI
    url: openapi/flinks-enrich-api-openapi.yml
  - type: Documentation
    url: https://docs.flinks.com/api/authorize/endpoints/authorize
  - type: APIReference
    url: https://docs.flinks.com/reference/authorize
  - type: PostmanCollection
    url: collections/flinks.postman_collection.json
  - type: OpenCollection
    url: collections/flinks.opencollection.json
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountsdetail
  - type: APIReference
    url: https://docs.flinks.com/reference/step-2-calling-for-data
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountssummary
  - type: APIReference
    url: https://docs.flinks.com/reference/getaccountssummaryasync
  - type: Documentation
    url: https://docs.flinks.com/reference/getstatements-1
  - type: Documentation
    url: https://docs.flinks.com/reference/choose-the-correct-endpoint
  - type: Documentation
    url: https://docs.flinks.com/guides/set-up-the-attributes-api-call
  - type: APIReference
    url: https://docs.flinks.com/docs/list-of-attributes-packages
  - type: Documentation
    url: https://docs.flinks.com/docs/getincomeattributes-1
  - type: APIReference
    url: https://docs.flinks.com/docs/getcreditriskattributes-1
  - type: Documentation
    url: https://docs.flinks.com/docs/legacy-api-integrations
- aid: flinks:flinks-fraud-api
  name: Flinks Fraud API
  description: The Fraud API from Flinks — 2 operation(s) for fraud.
  humanURL: https://docs.flinks.com/api/authorize/endpoints/authorize
  baseURL: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
  tags:
  - Fraud
  properties:
  - type: OpenAPI
    url: openapi/flinks-fraud-api-openapi.yml
  - type: Documentation
    url: https://docs.flinks.com/api/authorize/endpoints/authorize
  - type: APIReference
    url: https://docs.flinks.com/reference/authorize
  - type: PostmanCollection
    url: collections/flinks.postman_collection.json
  - type: OpenCollection
    url: collections/flinks.opencollection.json
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountsdetail
  - type: APIReference
    url: https://docs.flinks.com/reference/step-2-calling-for-data
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountssummary
  - type: APIReference
    url: https://docs.flinks.com/reference/getaccountssummaryasync
  - type: Documentation
    url: https://docs.flinks.com/reference/getstatements-1
  - type: Documentation
    url: https://docs.flinks.com/reference/choose-the-correct-endpoint
  - type: Documentation
    url: https://docs.flinks.com/guides/set-up-the-attributes-api-call
  - type: APIReference
    url: https://docs.flinks.com/docs/list-of-attributes-packages
  - type: Documentation
    url: https://docs.flinks.com/docs/getincomeattributes-1
  - type: APIReference
    url: https://docs.flinks.com/docs/getcreditriskattributes-1
  - type: Documentation
    url: https://docs.flinks.com/docs/legacy-api-integrations
- aid: flinks:flinks-identity-api
  name: Flinks Identity API
  description: The Identity API from Flinks — 1 operation(s) for identity.
  humanURL: https://docs.flinks.com/api/authorize/endpoints/authorize
  baseURL: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
  tags:
  - Identity
  properties:
  - type: OpenAPI
    url: openapi/flinks-identity-api-openapi.yml
  - type: Documentation
    url: https://docs.flinks.com/api/authorize/endpoints/authorize
  - type: APIReference
    url: https://docs.flinks.com/reference/authorize
  - type: PostmanCollection
    url: collections/flinks.postman_collection.json
  - type: OpenCollection
    url: collections/flinks.opencollection.json
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountsdetail
  - type: APIReference
    url: https://docs.flinks.com/reference/step-2-calling-for-data
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountssummary
  - type: APIReference
    url: https://docs.flinks.com/reference/getaccountssummaryasync
  - type: Documentation
    url: https://docs.flinks.com/reference/getstatements-1
  - type: Documentation
    url: https://docs.flinks.com/reference/choose-the-correct-endpoint
  - type: Documentation
    url: https://docs.flinks.com/guides/set-up-the-attributes-api-call
  - type: APIReference
    url: https://docs.flinks.com/docs/list-of-attributes-packages
  - type: Documentation
    url: https://docs.flinks.com/docs/getincomeattributes-1
  - type: APIReference
    url: https://docs.flinks.com/docs/getcreditriskattributes-1
  - type: Documentation
    url: https://docs.flinks.com/docs/legacy-api-integrations
- aid: flinks:flinks-score-api
  name: Flinks Score API
  description: The Score API from Flinks — 2 operation(s) for score.
  humanURL: https://docs.flinks.com/api/authorize/endpoints/authorize
  baseURL: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
  tags:
  - Score
  properties:
  - type: OpenAPI
    url: openapi/flinks-score-api-openapi.yml
  - type: Documentation
    url: https://docs.flinks.com/api/authorize/endpoints/authorize
  - type: APIReference
    url: https://docs.flinks.com/reference/authorize
  - type: PostmanCollection
    url: collections/flinks.postman_collection.json
  - type: OpenCollection
    url: collections/flinks.opencollection.json
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountsdetail
  - type: APIReference
    url: https://docs.flinks.com/reference/step-2-calling-for-data
  - type: Documentation
    url: https://docs.flinks.com/reference/getaccountssummary
  - type: APIReference
    url: https://docs.flinks.com/reference/getaccountssummaryasync
  - type: Documentation
    url: https://docs.flinks.com/reference/getstatements-1
  - type: Documentation
    url: https://docs.flinks.com/reference/choose-the-correct-endpoint
  - type: Documentation
    url: https://docs.flinks.com/guides/set-up-the-attributes-api-call
  - type: APIReference
    url: https://docs.flinks.com/docs/list-of-attributes-packages
  - type: Documentation
    url: https://docs.flinks.com/docs/getincomeattributes-1
  - type: APIReference
    url: https://docs.flinks.com/docs/getcreditriskattributes-1
  - type: Documentation
    url: https://docs.flinks.com/docs/legacy-api-integrations
common:
- type: AgenticAccess
  url: agentic-access/flinks-agentic-access.yml
- type: TrustCenter
  url: security/flinks-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/flinks-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/flinks-domain-security.yml
- type: Authentication
  url: authentication/flinks-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/flinks
- type: Website
  url: https://flinks.com/
- type: Documentation
  url: https://docs.flinks.com/
- type: Plans
  url: plans/flinks-plans-pricing.yml
- type: RateLimits
  url: rate-limits/flinks-rate-limits.yml
- type: FinOps
  url: finops/flinks-finops.yml
- url: https://flinks.com/blog/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
  • get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools

Call it yourself

curl for this page
This provider 
curl "https://apis.io/api/v1/providers/flinks"
All providers 
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose 
curl "https://apis.io/api/v1/providers/flinks/operations?limit=25"
How their score was established 
curl "https://apis.io/api/v1/providers/flinks/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.