# Tink

**Canonical:** https://apis.io/providers/tink/  
**Website:** https://tink.com/  
**APIs profiled:** 5

Tink (a Visa company) is a European open-banking platform offering account aggregation, payment initiation, identity, and KYC products across 3,400+ banks. The Tink API exposes Account Check, Account Aggregation, Income Check, Risk Insights, Money Manager, and Payments products under a single OAuth-protected REST surface at api.tink.com.

## Kin Score — 14.3 / 100 (emerging)

Scored 2026-08-24 under rubric 0.12.1. Trend: flat (+0.0 from 14.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 3.0 (human-only)

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

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: medium).

## APIs (5)

- **Tink Account Aggregation API** — REST API for retrieving end-user accounts, transactions, and balances across 3,400+ European banks via PSD2 AISP.
- **Tink Account Check API** — Verify account ownership and IBAN details for an end user.
- **Tink Income Check API** — Categorized income data derived from aggregated transaction history.
- **Tink Risk Insights API** — Risk indicators and affordability signals derived from aggregated bank data.
- **Tink Payments API** — Initiate single, recurring, and bulk SEPA / domestic-rail payments via PSD2 PISP.

## Security (2)

- **Tink Domain Security** — TLSv1.3 · HSTS · DMARC
- **Tink Vulnerability Disclosure** — security.txt

## Plans (1)

- **Tink Plans Pricing**

## Tags

Fintech, Open Banking, PSD2, Europe, Visa, Account Aggregation, Payments, KYC

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