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 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

36.7/100 thin ▬ flat Agent 28/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs

Financial Data Open Banking Bank Aggregation Fintech Canada

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 36.7/100 · thin

Contract Quality 9.8 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 5.5 / 15

Operational Transparency 3.1 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 28/100 · agent aware

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 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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/.

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 →

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

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
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: 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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