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 3 API contracts indexed on the APIs.io network: Connect API, Enrich API, and Authorization API. Tagged areas include Financial Data, Open Banking, Bank Aggregation, Fintech, and Canada.

Flinks’ developer surface includes authentication, documentation, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

29.8/100 thin ▬ flat Agent 31/100 agent ready Front door AI 3/6 light saas Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 1 MCP Servers

Financial Data Open Banking Bank Aggregation Fintech Canada

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Financial Crime Management

BC-1400

Fraud

Credit & Lending Management

BC-1320

Score

Banking Customer Management

BC-1300

Identity

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 29.8/100 · thin

Contract Quality 9.4 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 2.0 / 15

Operational Transparency 1.8 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 3

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

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 Authorization API

Endpoints for generating authorization tokens and authenticating requests

Open Collections 7

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

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 7

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Flinks MCP Server

Remote MCP server at docs.flinks.com over HTTP; 3 tools listed.

MCP SERVER

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

no policy recorded

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 · 5 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

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/flinks.png
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
x-docs-hosting: vercel
tags:
- Financial Data
- Open Banking
- Bank Aggregation
- Fintech
- Canada
created: '2026-07-01'
modified: '2026-07-01'
specificationVersion: '0.23'
apis:
- 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-authorization-api
  name: Flinks Authorization API
  description: Endpoints for generating authorization tokens and authenticating requests
  humanURL: https://docs.flinks.com/api/authorize/endpoints/authorize
  baseURL: https://{instance}-api.private.fin.ag/v3/{customerId}/BankingServices
  tags:
  - Authorization
  properties:
  - type: OpenAPI
    url: openapi/flinks-authorization-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: CapabilityMap
  url: capabilities/flinks-capability-edges.yml
  name: Flinks Business Capability Map
- 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

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