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Tink Developer Documentation

website·Indexed 38 days ago

https://docs.tink.com/

Documentation for integrating Tink's financial services, including Account Check for bank account ownership verification, data aggregation via REST APIs, Auto Payments for mandate creation and payouts, and Balance Check for real-time financial data retrieval.

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What's inside Tink

  1. Overview of Tink Finance Management modules

    Tink's Finance Management (formerly Money Manager) is a modular suite of tools available via the Tink API designed for building digital banking experiences. It allows developers to provide a consolidated view of finances, deliver timely insights, and facilitate fund movements and payments. The proposition is divided into the following functional modules:

    • Statistics & Insights: Provides Statistics and Actionable Insights.
    • Budgets & Savings: Manages Budgets and Savings goals.
    • Subscriptions & Bill Management: Handles Subscriptions and Cost of Living tracking.
    • Sustainability: Provides sustainability-related financial data and insights.

  2. Overview of Tink Transactions

    Tink Transactions provides standardized transaction data from financial institutions across Europe. It solves common open banking challenges by normalizing poorly structured data from various institutions and maintaining 3,400+ connections to ensure integration stability.

  3. Overview of Tink Income Check

    Income Check allows businesses to verify an end user's income by fetching real-time data from their bank account. It replaces manual processes like reviewing payslips or relying on outdated credit reference agency data with a standardized, classified, and reliable JSON report delivered in less than a minute after the user consents and authenticates with their bank.

  4. Overview of Tink Risk Insights for lender risk modeling

    Risk Insights is a feature library based on real-time open banking data designed to help lenders assess an end-user's repayment capacity. It addresses limitations of traditional risk data—such as outdated information, susceptibility to fraud, and the omission of behavioral patterns (e.g., gambling or ATM usage)—by providing enriched, categorized transaction data. Lenders can select from over 300 predictive features to integrate into their own in-house risk models based on their specific risk appetite.

  5. Overview of Tink Link Sessions

    Sessions allow developers to securely initialize Tink Link with sensitive data that cannot be passed as query parameters for security reasons. This is used to prefill bank login information or provide sensitive external references. The workflow consists of two steps: creating a session via API to receive a sessionId, and then appending that session_id to the Tink Link URL.

  6. Overview of Tink Business Transactions

    Business Transactions allows developers to access standardized transaction data from business accounts across more than 3,400 banks in 18 European countries. It is designed to automate accounting processes and improve credit assessments for business lenders by providing cleaned and up-to-date financial data via SDKs. The integration involves a front-end SDK that guides end users through bank authentication and consent.

  7. Overview of Tink Payment Conditions

    Payment conditions are used to evaluate submitted payments before they reach a payment provider. This ensures that payments fulfill provider-specific requirements—such as minimum transfer amounts or maximum character lengths for recipient names—to avoid failed transactions. Payment conditions apply when creating a payment request via Tink Link or when creating a money transfer. A condition consists of a rule, an operator, and a value.

  8. Overview of Actionable Insights in Money Manager

    Actionable Insights is a Money Manager feature designed to increase user engagement by providing feedback and advice on financial status and behavior. Each insight type contains specific data and a set of default actions that allow users to interact with the application.

  9. Overview of Tink Risk Signals for fraud prevention

    Risk Signals is an add-on feature for one-time payments and settlement accounts in Germany, Italy, Austria, and Sweden. It uses Account Information Service (AIS) data, transaction history, and payment data to flag and abort suspicious payments. The service is managed by Tink, so no specific implementation is required by the developer beyond enabling the feature and providing recommended data.

  10. Overview of Data Aggregation via Tink Link

    Aggregation is the process where end users grant Tink permission to collect their account and transaction data. This is achieved using Tink Link, a front-end SDK that provides a ready-made authentication flow. For Data Enrichment purposes, permanent users are required (temporary users are deleted after 24 hours). Once the flow is completed, data is continuously updated based on the bank/provider's interval without further user interaction.

  11. Overview of Tink Loans product capabilities

    Tink's Loan product allows businesses to fetch real-time loan data from financial institutions in Sweden and Spain. It solves the problem of fragmented loan information by providing a single API to access a client's entire loan portfolio, enabling a holistic view of outstanding balances, interest rates, and repayment schedules.

  12. Overview of Tink Payment Conditions

    Payment conditions are used to evaluate submitted payments before they reach a payment provider. They ensure that payment requests fulfill provider-specific requirements—such as minimum transfer amounts or maximum character lengths for recipient names—to avoid failed payments. Payment conditions apply when creating a payment request via Tink Link or when creating a money transfer. A condition consists of a Rule, an Operator, and a Value.