Tink
Tink, a Visa solution acquired in 2022, is a European Open Banking platform with 6,000+ bank connections across Europe and a US Pay by Bank stack. Tink exposes a single API for PSD2-aggregated bank data (Accounts, Transactions, Balances, Identities, Investments, Loans), value-added risk reports (Account Check, Business Account Check, Income Check, Expense Check, Risk Insights, Risk Categorisation), Money Manager BFM, Data Enrichment, and PSD2 Payment Initiation Services (Pay by Bank, Auto Payments, Variable Recurring Payments, Mandates, Refunds, Payouts). Authentication is OAuth 2.0 with delegated user consent through the Tink Link hosted flow.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Tink the way a machine reads it — 99 machine-readable artifacts across 25 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Tink scores 71.8/100 (exemplar), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Tink
Each block below is one kind of artifact we hold for Tink. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 25
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Tink Accounts API
User bank accounts and balances.
Tink AccountVerificationReports API
Account ownership verification reports.
Tink BalanceRefresh API
On-demand balance refresh.
Tink Budgets API
Personal and business budgets.
Tink BusinessAccountVerificationReports API
Business account ownership verification reports.
Tink CashFlow API
Cash flow summaries.
Tink Categories API
Tink categorisation taxonomy.
Tink ConnectorAccounts API
Partner-ingested accounts.
Tink ConnectorTransactions API
Partner-ingested transactions.
Tink EnrichedTransactions API
Categorised and merchant-enriched transactions.
Tink ExpenseChecks API
Expense verification reports.
Tink FinancialCalendar API
Financial calendar events and reconciliations.
Tink Identities API
Account holder identities returned by the bank.
Tink IncomeChecks API
Income verification reports.
Tink Investments API
Investment accounts and holdings.
Tink Loans API
Loan accounts.
Tink Mandates API
Recurring payment mandates.
Tink OAuth API
Token, authorization, and delegated grant endpoints.
Tink Payments API
Payment initiation, status, cancel, and refund.
Tink RecurringTransactions API
Recurring transaction detection and prediction.
Tink RiskCategorisation API
Risk categorisation reports.
Tink RiskInsights API
Risk decisioning reports.
Tink Transactions API
User bank transactions.
Tink User API
Permanent user lifecycle management.
Tink WebhookEndpoints API
Webhook endpoint management.
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Postman Collections 9
A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.
Ready-to-run Postman collections for exercising this provider's APIs.
Tink Account Check API
POSTMANTink Connector API
POSTMANTink Data API
POSTMANTink Data Enrichment API
POSTMANTink Money Manager API
POSTMANTink Payments API
POSTMANTink Risk and Reports API
POSTMANTink Webhooks API
POSTMANScroll within the panel for all 9 ·
Open Collections 9
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Tink Account Check API
OPEN COLLECTIONTink Connector API
OPEN COLLECTIONTink Data API
OPEN COLLECTIONTink Data Enrichment API
OPEN COLLECTIONTink Money Manager API
OPEN COLLECTIONTink OAuth and Authorization API
OPEN COLLECTIONTink Payments API
OPEN COLLECTIONTink Risk and Reports API
OPEN COLLECTIONTink Webhooks API
OPEN COLLECTIONScroll within the panel for all 9 ·
Arazzo Workflows 10
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
Tink Account And Transactions Overview
List a user's accounts, read the balances of a chosen account, then list its transactions.
ARAZZOTink Account Check Verification And Report Retrieval
Create a Tink Link session pre-loaded with identity, then retrieve the resulting Account Check report as JSON and PDF.
ARAZZOTink Trigger A Balance Refresh And Poll It
Trigger an on-demand balance refresh for a credentials object, then poll until it finishes, then read fresh balances.
ARAZZOTink Initiate A Payment And Poll Its Status
Initiate a Pay by Bank payment, then poll the payment until it reaches a terminal status.
ARAZZOTink Create A Payment Mandate And Confirm It
Create a recurring payment mandate for a user, then read it back to confirm it is active.
ARAZZOTink Refund An Executed Payment And Poll The Refund
Confirm a payment is executed, initiate a refund, then poll the refund until it reaches a terminal status.
ARAZZOTink Review And Revoke A Bank Consent
List a user's provider consents and credentials, then delete the credentials object to revoke the underlying bank consent.
ARAZZOTink Build A Budget From Recurring Spend
Read a user's confirmed recurring transactions and category taxonomy, create a business budget around them, then read the budget's progress.
ARAZZOTink Onboard A User And Access Their Bank Data
Create a permanent Tink user, delegate bank authorization, exchange the code for a user token, and list their accounts.
ARAZZOTink Register And Verify A Webhook Endpoint
Register a webhook endpoint for selected event types, read it back to capture its signing secret, then confirm it is enabled in the endpoint list.
ARAZZOScroll within the panel for all 10 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Tink Com Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Tink Com Finops
FINOPSFeatures 11
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
6,000+ Bank Connections
PSD2 and non-PSD2 connectivity across the Nordics, UK, DACH, Benelux, France, Iberia, Italy, Ireland, and Poland.
PSD2 Payment Initiation
Single API for one-off payments, Variable Recurring Payments, Auto Payments, payouts, refunds, and mandates.
Account Check and Business Account Check
Verified account ownership for individuals and businesses with optional identity match (name, DOB, address).
Risk Insights and Risk Categorisation
Lender-grade affordability and risk-decisioning reports built on aggregated bank data.
Income Check and Expense Check
Verified income streams and categorised expenses for underwriting and KYC.
Money Manager
Cash-flow summaries, budgets, financial calendar, and reconciliations for SMB and personal apps.
Data Enrichment
Tink categorisation taxonomy, merchant identification, and recurring-transaction detection and prediction.
Connector API
Push partner-collected data into the Tink platform for downstream enrichment and reporting.
Tink Link
Hosted bank-consent UX handling SCA and bank app-to-app redirects on mobile.
Webhooks
Asynchronous notifications for report completion, payment and refund status, and credentials updates.
SOC 2 Type II and PSD2 Licence
Single PSD2 licensed integration removes the need for customers to obtain their own PSD2 authorisation.
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Semantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Tink Com Context
JSON-LDSpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Tink API Rules
SPECTRALTink API Rules
SPECTRALJSON Schema 3
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Examples 3
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Tink Payment Example
EXAMPLETink Transaction Example
EXAMPLESecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 8
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Onboarding and KYC
Verify bank ownership and identity match in seconds with Account Check.
Affordability and Underwriting
Risk Insights, Income Check, and Expense Check inform consumer and SMB lending decisions.
Pay by Bank Checkout
Initiate account-to-account payments at checkout with one-off PIS or Auto Payments.
Subscription Billing
Sweeping Variable Recurring Payments collect recurring charges directly from the customer's bank.
Business Financial Management
Embed Money Manager dashboards in SMB banking and accounting apps.
PFM and Personal Banking
Power personal finance experiences with categorised transactions and recurring detection.
Payouts
Disburse funds back to a verified bank account using PIS payouts.
Open Finance Composition
Stitch PSD2 data with partner-collected data via Connector API for a unified view.
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Integrations 6
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Visa
Tink is a Visa solution following the 2022 acquisition; integrates with Visa's payment and risk products.
Adyen
Pay by Bank rails for Adyen merchants.
Revolut
Open Banking data and payments connectivity for Revolut.
Younited
Risk decisioning powered by Tink for the European consumer lender.
Bank Norwegian
Account aggregation and risk reports for the Nordic digital bank.
PostNord Strålfors
Payment Initiation Services for the Nordic communications and logistics group.
Solutions 5
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
Banking
Aggregation, money management, and PIS for retail and business banking platforms.
Lending
Income, expense, risk, and account verification for credit underwriting.
Payments
Pay by Bank, VRP, mandates, refunds, and payouts for ecommerce, billers, and PSPs.
Wealth and Investments
Holdings, loans, and balance aggregation for wealth-management and PFM apps.
SMB
Money Manager BFM, business budgets, cash-flow, and Business Account Check for SMB platforms.
Resources
Every other property we hold for Tink — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 13
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 13 ·
Build 9
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 9 ·
Access & Security 4
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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