{ "data": { "a": { "slug": "basiq", "name": "Basiq", "vendor": "Basiq Pty Ltd (Cuscal Limited)", "vendorUrl": "https://www.basiq.io", "kind": "http-api", "category": "banking-data", "summary": "Basiq is an Australian open banking platform owned by Cuscal Limited. Its REST API reads accounts, transactions and identity details from Australian and New Zealand institutions with the holder's consent, and builds income, expense and affordability reports.", "url": "https://www.anchorterminal.com/tools/basiq", "markdownUrl": "https://www.anchorterminal.com/tools/basiq.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/basiq.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/basiq.json", "repo": "https://github.com/basiqio-oss/Basiq-docs", "license": "Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://au-api.basiq.io", "packages": [], "auth": "api-key", "authNotes": "A self-serve API key from the dashboard at dashboard.basiq.io, sent verbatim (not Base64-encoded) as `Authorization: Basic \u003ckey\u003e` to `POST /token` with a `basiq-version: 3.0` header. The call returns a bearer token that lasts 60 minutes. Scope `SERVER_ACCESS` covers server calls and `CLIENT_ACCESS`, bound to one `userId`, is for the hosted Consent UI. An application can hold many named keys, each revocable, and permission sets limit a key to chosen endpoints. The docs advise rotating keys every 90 days. Dashboard logins support 2FA by text message and SAML single sign-on on request. Live Open Banking data is switched on by Basiq's customer success team after a contract. The MCP server at api.basiq.io/mcp listed its tools with no credential, and its `execute-request` tool takes API credentials as headers set in the MCP client.", "pricing": "paid", "pricingNotes": "$0.50 per user per month for customer data plus a platform access fee with no published amount, $0.25 per user per month for enrichment and from $3.00 per affordability report (https://www.basiq.io/pricing.html, checked 2026-10-09). The home page does not link that page, so the figures may be out of date. The page does not state the currency, and the Terms of Service say all amounts are in Australian dollars. A user is billable for the full month once created. Plans run for at least 12 months and volume discounts go through sales. The sandbox is free and self-serve from the dashboard, with no card mentioned, so an agent's owner can start on test data without a contract. The pricing page is not linked from the site pages we read.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the ten OpenAPI files or the pricing page (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://api.basiq.io/docs", "llmsTxt": "https://api.basiq.io/llms.txt", "openapi": "https://raw.githubusercontent.com/basiqio-oss/Basiq-docs/refs/heads/v3.0/reference/connect.json", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "mcp", "webhooks", "sandbox", "australia", "new-zealand", "status-page", "closed-source" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 60.4, "grade": "C", "agentReady": false, "rank": 515, "ranked": true, "rankOf": 950, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 62, "maintenance": 48, "payments": 20, "reliability": 70, "schema": 84, "security": 55, "transparency": 72 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.", "bestFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.", "strengths": [ "Ten OpenAPI 3.0 files are public in the `basiqio-oss/Basiq-docs` repository, 73 operations in all, and every reference page has a Markdown twin listed in llms.txt", "The sandbox is free and self-serve from the dashboard, with a test bank named Hooli and an Open Banking flow that covers authorise, extend, refresh and revoke", "API keys are created, named and revoked in the dashboard, permission sets limit a key to chosen endpoints, and access tokens expire after 60 minutes", "The CDR Policy names the outsourced service providers and says data is stored in AWS data centres in Sydney and Melbourne", "Error bodies carry a `correlationId`, a string `code`, a `title`, a `detail` and a `source` pointer, with the codes listed by HTTP status in the docs" ], "weaknesses": [ "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published", "No SLA was found, and the Terms of Service say Basiq does not warrant uninterrupted service", "The privacy policy says collected content may be retained indefinitely after an account ends, while the docs security page says data is deleted at once", "No security.txt, disclosure policy or bug bounty was found, and the accreditation logos on the data security page carry no text", "No idempotency keys or `Retry-After` header are documented, and no official SDK is published. The docs say to generate one from the OpenAPI files" ], "agentNotes": [ "Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.", "Send `basiq-version: 3.0` on the token request, cache the bearer token for its 60 minutes, and stay under 1,500 token requests per 5 minutes.", "Send the account holder through the hosted Consent UI in a browser with a `CLIENT_ACCESS` token bound to their `userId`. The API alone cannot create a first connection on version 3.0.", "Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.", "Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 60.4 } ], "editorialScores": { "ergonomics": 62, "maintenance": 48, "payments": 20, "reliability": 70, "schema": 84, "security": 55, "transparency": 61 }, "provenanceScore": 83 }, "connect": { "http": "curl --location --request POST 'https://au-api.basiq.io/token' \\\n --header 'Authorization: Basic $YOUR_API_KEY' \\\n --header 'Content-Type: application/x-www-form-urlencoded' \\\n --header 'basiq-version: 3.0' \\\n --data-urlencode 'scope=SERVER_ACCESS'", "config": { "mcpServers": { "basiq": { "url": "https://api.basiq.io/mcp" } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/basiq" }, "area": "domain-data", "provenance": { "legalEntity": "Basiq Pty Ltd", "domain": "basiq.io", "domainRegistered": "2015-10-08", "endpointOnVendorDomain": true, "terms": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service", "privacy": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy", "statusPage": "https://status.basiq.io", "changelog": "https://api.basiq.io/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The site footer names Basiq Pty Ltd, ABN 95 616 592 011, a wholly owned but non-guaranteed subsidiary of Cuscal Limited, ABN 95 087 822 455, and gives the Consumer Data Right accreditation number ADRBNK000208.", "The terms link is the Basiq Terms of Service, dated 27 August 2025 on the help centre, which govern the platform, SDK and APIs and carry the SDK licence as Schedule 1.", "The privacy link is the Basiq Privacy Policy, dated 4 November 2025. A separate Consumer Data Right (CDR) Policy, dated 8 September 2026, covers data received under that regime.", "The API answers at au-api.basiq.io, the docs and MCP server at api.basiq.io, the Consent UI at consent.basiq.io and the dashboard at dashboard.basiq.io, all under basiq.io.", "www.basiq.io/.well-known/security.txt returns 404, and www.basiq.io has no robots.txt.", "status.basiq.io runs on Atlassian Statuspage. Its robots.txt disallows `/api/`, so the record was read from the page and the Atom feed it links.", "The registry's RDAP record gives 2015-10-08 as the registration date of basiq.io and Name.com, Inc. as registrar. The privacy policy gives PO Box Q279, Queen Victoria Building NSW 1230." ], "score": 83 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/basiq.json", "live": { "slug": "basiq", "probe": { "target": "https://au-api.basiq.io", "method": "get", "lastAt": "2026-10-10T02:07:02.166742186Z", "lastOk": true, "lastStatus": 200, "lastMs": 841, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 849, "p95ms24h": 941, "samples24h": 107, "samples30d": 107, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "vendorStatus": { "page": "https://status.basiq.io", "indicator": "minor", "summary": "Minor Service Outage", "checkedAt": "2026-10-10T02:05:39.894332157Z" }, "versions": [ { "registry": "github", "name": "basiqio-oss/Basiq-docs", "version": "v3.0.8", "released": "2026-07-16", "seenAt": "2026-10-09T16:42:41.939603853Z" } ], "githubStars": 5, "pages": [ { "url": "https://api.basiq.io/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:32:31.512737613Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7ea5161f947f" }, { "url": "https://www.basiq.io/pricing.html", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:48:29.43933836Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "1c9866bc1634" }, { "url": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:36:36.227093441Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "af5c5eabea79" }, { "url": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:36:38.602578211Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2bce9aa59c11" } ], "updatedAt": "2026-10-10T02:07:02.166742186Z" } }, "answer": "Tink scores 62.5 (B) on agent readiness against Basiq's 60.4 (C), and leads in 4 of 7 scored categories. Basiq leads on reliability, schema \u0026 documentation and payments \u0026 pricing.", "b": { "slug": "tink", "name": "Tink", "vendor": "Tink AB (Visa)", "vendorUrl": "https://tink.com", "kind": "http-api", "category": "banking-data", "summary": "Tink is a European open banking platform owned by Visa. Its REST API and hosted Tink Link flow read accounts, balances and transactions with the account holder's consent, and start bank payments.", "url": "https://www.anchorterminal.com/tools/tink", "markdownUrl": "https://www.anchorterminal.com/tools/tink.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/tink.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/tink.json", "repo": "https://github.com/tink-ab/tink-link-ios", "license": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "transports": [ "http" ], "remoteUrl": "https://api.tink.com", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 with a `client_id` and `client_secret` from the Tink Console, sent in the POST body to https://api.tink.com/api/v1/oauth/token. A client token lasts 30 minutes and carries only the scopes requested. Data calls need a user token, valid two hours, obtained through an authorisation grant for a Tink user or from the code Tink Link returns after bank consent. Mutual TLS is accepted as an alternative client authentication method. Console signup is self-serve for the sandbox. Live access is by sales contract, with customer due diligence when Tink's own licence is used.", "pricing": "paid", "pricingNotes": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and says listed prices apply only to existing customers (https://tink.com/pricing/, checked 2026-10-08). The FAQ says there is no pay-per-use option and that a free Console account gives test data in a sandbox (https://tink.com/faq/). No card is mentioned for signup. Fees are set in an order form and billed monthly in arrears under the MSA.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference introduction or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.tink.com", "llmsTxt": "https://docs.tink.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.payments", "bank.identity" ], "tags": [ "hosted", "oauth", "llms-txt", "webhooks", "sandbox", "eu", "uk", "enterprise", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-09-15", "graded": true, "anchor": { "graded": true, "score": 62.5, "grade": "B", "agentReady": false, "rank": 431, "ranked": true, "rankOf": 950, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 90 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.", "bestFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "strengths": [ "OAuth 2.0 client credentials with named scopes per endpoint, 30-minute client tokens and two-hour user tokens", "Master Service Agreement, DPA, four SLA documents and a sub-processor list with processing locations are public PDFs", "Data v2 list endpoints page with `pageSize` and `pageToken`, with date, account and status filters on transactions", "Changelog with 367 dated entries, three of them in the 90 days to 8 October 2026", "Free Console account with a Demo Bank covering test users in 18 countries" ], "weaknesses": [ "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option", "The API reference is a JavaScript app with the Swagger definitions inside its bundle. No downloadable spec was found", "Rate limits are per app with no published numbers, and a 429 carries no documented Retry-After", "A critical incident on 16 July 2026 stopped authentication, consent, account data and payment flows in all European markets for 62 minutes", "security.txt has a Policy line pointing to Visa's disclosure page and no Contact or Expires field" ], "agentNotes": [ "Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.", "Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.", "Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.", "Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.", "Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 62.5 } ], "editorialScores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 79 }, "provenanceScore": 100 }, "connect": { "http": "curl -X POST https://api.tink.com/api/v1/oauth/token \\\n -d \"client_id=$TINK_CLIENT_ID\" \\\n -d \"client_secret=$TINK_CLIENT_SECRET\" \\\n -d \"grant_type=client_credentials\" \\\n -d \"scope=authorization:grant,user:create\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/tink" }, "area": "domain-data", "provenance": { "legalEntity": "Tink AB", "domain": "tink.com", "domainRegistered": "1993-03-18", "endpointOnVendorDomain": true, "terms": "https://assets.ctfassets.net/c78bhj3obgck/4rs258WTPok62q9qrmFE1o/b68d1bcc13b5c118503ecffc8647a7d8/Tink_Master_Service_Agreement_2025-12-09.pdf", "privacy": "https://cdn.tink.se/legal/privacy-policy/en_UK/privacy-policy-en_UK-2601.pdf", "statusPage": "https://status.tink.com", "changelog": "https://docs.tink.com/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The Master Service Agreement (version 2025-12-09) names Tink AB, corporate registration number 556898-2192, Regeringsgatan 38, 111 56 Stockholm, and is governed by Swedish law. The legal FAQ says all customer use is governed by it.", "The legal FAQ lists Tink AB as a payment institution under the Swedish Financial Supervisory Authority (SFSA ID 44059), Tink Germany GmbH under BaFin (10152149) and Tink Financial Services Limited under the UK FCA (FRN 988456). Tink is a Visa company.", "The privacy link is the Visa Open Banking Privacy Notice for End-Users, effective 8 January 2026, which covers the bank data read through the product. A separate General Privacy Notice (effective 8 April 2025) covers website visitors and business contacts, and customer data is governed by the DPA of 1 October 2025.", "tink.com/.well-known/security.txt has a Canonical line and a Policy line pointing to Visa's vulnerability disclosure page, with no Contact or Expires field, both of which RFC 9116 requires. It is recorded as valid because the file is served, as with other listings whose file lacks Expires.", "The API answers at api.tink.com and Tink Link at link.tink.com. Legal PDFs are served from assets.ctfassets.net and cdn.tink.se.", "The changelog at docs.tink.com/changelog renders in JavaScript. We read its entries from the content feed the page itself requests. Verisign RDAP gives the domain registration date and MarkMonitor as registrar." ], "score": 100 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/tink.json", "live": { "slug": "tink", "probe": { "target": "https://api.tink.com", "method": "get", "lastAt": "2026-10-10T02:07:27.666757372Z", "lastOk": true, "lastStatus": 404, "lastMs": 61, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 55, "p95ms24h": 89, "samples24h": 250, "samples30d": 342, "days": [ { "date": "2026-10-08", "probes": 70, "ok": 70 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "vendorStatus": { "page": "https://status.tink.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T02:06:31.064128119Z" }, "versions": [ { "registry": "github", "name": "tink-ab/tink-link-ios", "version": "5.1.0", "released": "2026-05-06", "seenAt": "2026-10-09T17:24:20.928203181Z" } ], "githubStars": 15, "securityTxt": { "url": "https://tink.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:19.704248586Z" }, "llmsTxt": { "url": "https://docs.tink.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:02:53.556159623Z" }, "pages": [ { "url": "https://docs.tink.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:38:31.76403354Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" }, { "url": "https://tink.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:46:42.678396437Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b875e338cc34" } ], "updatedAt": "2026-10-10T02:07:27.666757372Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Basiq Pty Ltd (Cuscal Limited)", "b": "Tink AB (Visa)", "name": "Vendor" }, { "a": "https://au-api.basiq.io", "b": "https://api.tink.com", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial", "b": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-30", "b": "2026-09-15", "name": "Last release" }, { "a": "no date given", "b": "", "name": "Terms last updated" }, { "a": "no date given", "b": "", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "yes", "b": "", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" } ], "faq": [ { "answer": "Tink scores 62.5 (B) on agent readiness against Basiq's 60.4 (C), and leads in 4 of 7 scored categories. Basiq leads on reliability, schema \u0026 documentation and payments \u0026 pricing.", "question": "Which is better for AI agents, Basiq or Tink?" }, { "answer": "Basiq needs an API key. Tink uses an OAuth sign-in.", "question": "Do Basiq and Tink need an API key?" }, { "answer": "Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and Tink at https://api.tink.com.", "question": "Can an agent call Basiq and Tink without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 70 against 62", "Schema \u0026 documentation, 84 against 73", "Payments \u0026 pricing, 20 against 10" ], "also": null, "goodFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.", "slug": "basiq", "watchFor": "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published" }, { "aheadOn": [ "Agent ergonomics, 74 against 62", "Security \u0026 auth, 63 against 55", "Maintenance \u0026 community, 69 against 48", "Transparency \u0026 trust, 90 against 72" ], "also": null, "goodFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "slug": "tink", "watchFor": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option" } ], "job": { "capability": "bank.accounts", "name": "Bank account data" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-basiq.json", "title": "Akoya vs Basiq", "url": "https://www.anchorterminal.com/compare/akoya-vs-basiq" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-tink.json", "title": "Akoya vs Tink", "url": "https://www.anchorterminal.com/compare/akoya-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-belvo.json", "title": "Basiq vs Belvo", "url": "https://www.anchorterminal.com/compare/basiq-vs-belvo" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking.json", "title": "Basiq vs Enable Banking", "url": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-flinks.json", "title": "Basiq vs Flinks", "url": "https://www.anchorterminal.com/compare/basiq-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.json", "title": "Basiq vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-mx.json", "title": "Basiq vs MX Platform API", "url": "https://www.anchorterminal.com/compare/basiq-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-plaid.json", "title": "Basiq vs Plaid", "url": "https://www.anchorterminal.com/compare/basiq-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-powens.json", "title": "Basiq vs Powens", "url": "https://www.anchorterminal.com/compare/basiq-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge.json", "title": "Basiq vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-teller.json", "title": "Basiq vs Teller", "url": "https://www.anchorterminal.com/compare/basiq-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-truelayer.json", "title": "Basiq vs TrueLayer", "url": "https://www.anchorterminal.com/compare/basiq-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-yapily.json", "title": "Basiq vs Yapily", "url": "https://www.anchorterminal.com/compare/basiq-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json", "title": "Basiq vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-tink.json", "title": "Flinks vs Tink", "url": "https://www.anchorterminal.com/compare/flinks-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.json", "title": "GoCardless Bank Account Data vs Tink", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-tink.json", "title": "MX Platform API vs Tink", "url": "https://www.anchorterminal.com/compare/mx-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-tink.json", "title": "Plaid vs Tink", "url": "https://www.anchorterminal.com/compare/plaid-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-tink.json", "title": "Powens vs Tink", "url": "https://www.anchorterminal.com/compare/powens-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-tink.json", "title": "Salt Edge Account Information vs Tink", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-tink.json", "title": "Teller vs Tink", "url": "https://www.anchorterminal.com/compare/teller-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-truelayer.json", "title": "Tink vs TrueLayer", "url": "https://www.anchorterminal.com/compare/tink-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json", "title": "Tink vs Yapily", "url": "https://www.anchorterminal.com/compare/tink-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.json", "title": "Tink vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data" } ], "scores": [ { "basiq": 70, "by": 8, "edge": "basiq", "key": "reliability", "name": "Reliability", "tink": 62, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "basiq": 84, "by": 11, "edge": "basiq", "key": "schema", "name": "Schema \u0026 documentation", "tink": 73, "weight": 13 }, { "basiq": 62, "by": 12, "edge": "tink", "key": "ergonomics", "name": "Agent ergonomics", "tink": 74, "weight": 13 }, { "basiq": 55, "by": 8, "edge": "tink", "key": "security", "name": "Security \u0026 auth", "tink": 63, "weight": 14 }, { "basiq": 20, "by": 10, "edge": "basiq", "key": "payments", "name": "Payments \u0026 pricing", "tink": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "basiq": 48, "by": 21, "edge": "tink", "key": "maintenance", "name": "Maintenance \u0026 community", "tink": 69, "weight": 7 }, { "basiq": 72, "by": 18, "edge": "tink", "key": "transparency", "name": "Transparency \u0026 trust", "tink": 90, "weight": 7 } ], "summary": "Tink scores 62.5 (B) on agent readiness against Basiq's 60.4 (C), and leads in 4 of 7 scored categories. Basiq leads on reliability, schema \u0026 documentation and payments \u0026 pricing. Both do bank account data.", "verdicts": { "basiq": "Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.", "tink": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/basiq-vs-tink", "json": "https://www.anchorterminal.com/compare/basiq-vs-tink.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/basiq-vs-tink.md", "slim": "https://www.anchorterminal.com/compare/basiq-vs-tink.min.md" }, "markdown": "Tink scores 62.5 (B) on agent readiness against Basiq's 60.4 (C), and leads in 4 of 7 scored categories. Basiq leads on reliability, schema \u0026 documentation and payments \u0026 pricing. Both do bank account data.\n\n- Basiq: grade C, 60.4/100, rank #515 of 950. Markdown https://www.anchorterminal.com/tools/basiq.md · JSON https://www.anchorterminal.com/api/v1/tools/basiq.json\n- Tink: grade B, 62.5/100, rank #431 of 950. Markdown https://www.anchorterminal.com/tools/tink.md · JSON https://www.anchorterminal.com/api/v1/tools/tink.json\n- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md\n- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md\n\n## Which one, for what\n\n### Basiq (C)\n\nGood for: Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.\n\nAhead on:\n- Reliability, 70 against 62\n- Schema \u0026 documentation, 84 against 73\n- Payments \u0026 pricing, 20 against 10\n\nWatch for: Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published\n\n### Tink (B)\n\nGood for: A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.\n\nAhead on:\n- Agent ergonomics, 74 against 62\n- Security \u0026 auth, 63 against 55\n- Maintenance \u0026 community, 69 against 48\n- Transparency \u0026 trust, 90 against 72\n\nWatch for: No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option\n\n\n## Score by category\n\n| Category | Weight | Basiq | Tink | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 62 | Basiq +8 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 84 | 73 | Basiq +11 |\n| Agent ergonomics | 13% (16.2 this run) | 62 | 74 | Tink +12 |\n| Security \u0026 auth | 14% (17.5 this run) | 55 | 63 | Tink +8 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 10 | Basiq +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 48 | 69 | Tink +21 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 90 | Tink +18 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **60.4 · C** | **62.5 · B** | |\n\n## Facts side by side\n\n| Fact | Basiq | Tink |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Basiq Pty Ltd (Cuscal Limited) | Tink AB (Visa) |\n| Hosted endpoint | `https://au-api.basiq.io` | `https://api.tink.com` |\n| Transports | HTTP, Streamable HTTP | HTTP |\n| Auth | API key | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-30 | 2026-09-15 |\n| Terms last updated | no date given | |\n| Privacy policy last updated | no date given | |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | yes | |\n| Terms or service can change without notice | not found in the text | |\n| Arbitration or class-action waiver | not found in the text | |\n\n## Verdicts\n\n**Basiq.** Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.\n\n**Tink.** OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.\n\n## Before you call either\n\n### Basiq\n\n1. Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.\n2. Send `basiq-version: 3.0` on the token request, cache the bearer token for its 60 minutes, and stay under 1,500 token requests per 5 minutes.\n3. Send the account holder through the hosted Consent UI in a browser with a `CLIENT_ACCESS` token bound to their `userId`. The API alone cannot create a first connection on version 3.0.\n4. Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.\n5. Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh.\n\n### Tink\n\n1. Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.\n2. Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.\n3. Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.\n4. Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.\n5. Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.\n\n## Questions\n\n### Which is better for AI agents, Basiq or Tink?\n\nTink scores 62.5 (B) on agent readiness against Basiq's 60.4 (C), and leads in 4 of 7 scored categories. Basiq leads on reliability, schema \u0026 documentation and payments \u0026 pricing.\n\n### Do Basiq and Tink need an API key?\n\nBasiq needs an API key. Tink uses an OAuth sign-in.\n\n### Can an agent call Basiq and Tink without installing anything?\n\nYes. Basiq has a hosted endpoint at https://au-api.basiq.io and Tink at https://api.tink.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-tink.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-tink.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"basiq\", \"b\": \"tink\"}`. From a terminal: `anchor compare basiq tink`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/tink.json\n\n## Other comparisons with Basiq or Tink\n\n- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)\n- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Basiq vs Belvo](https://www.anchorterminal.com/compare/basiq-vs-belvo.md)\n- [Basiq vs Enable Banking](https://www.anchorterminal.com/compare/basiq-vs-enable-banking.md)\n- [Basiq vs Flinks](https://www.anchorterminal.com/compare/basiq-vs-flinks.md)\n- [Basiq vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.md)\n- [Basiq vs MX Platform API](https://www.anchorterminal.com/compare/basiq-vs-mx.md)\n- [Basiq vs Plaid](https://www.anchorterminal.com/compare/basiq-vs-plaid.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Basiq vs Salt Edge Account Information](https://www.anchorterminal.com/compare/basiq-vs-salt-edge.md)\n- [Basiq vs Teller](https://www.anchorterminal.com/compare/basiq-vs-teller.md)\n- [Basiq vs TrueLayer](https://www.anchorterminal.com/compare/basiq-vs-truelayer.md)\n- [Basiq vs Yapily](https://www.anchorterminal.com/compare/basiq-vs-yapily.md)\n- [Basiq vs Yodlee Core API](https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)\n- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)\n- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)\n- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)\n- [Powens vs Tink](https://www.anchorterminal.com/compare/powens-vs-tink.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)\n- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n- [Tink vs Yodlee Core API](https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Basiq vs Tink", "url": "" } ], "description": "Tink scores 62.5 (B) to Basiq's 60.4 (C) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Basiq C 60.4", "Tink B 62.5", "scores" ], "h1": "Basiq vs Tink", "image": "https://www.anchorterminal.com/assets/og/compare-basiq-vs-tink.png", "path": "/compare/basiq-vs-tink", "published": "2026-10-01", "section": "tools", "title": "Basiq vs Tink for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/basiq-vs-tink" }, "tokens": { "markdown": 2400, "slim": 680 }, "version": 1 }