# Belvo vs Flinks

> Belvo scores 63.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 4 of 7 scored categories. Flinks leads on payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-flinks
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-flinks.md (~2,300 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-flinks.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-flinks.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-08

Belvo scores 63.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 4 of 7 scored categories. Flinks leads on payments & pricing. Both do bank accounts.

- Belvo: grade B, 63.5/100, rank #309 of 722. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- Flinks: grade D, 52.7/100, rank #559 of 722. Markdown https://www.anchorterminal.com/tools/flinks.md · JSON https://www.anchorterminal.com/api/v1/tools/flinks.json

## Which one, for what

### Belvo (B)

Good for: Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.

Ahead on:
- Reliability, 84 against 53
- Agent ergonomics, 80 against 54
- Security & auth, 57 against 50

Also in its favour:
- A hosted endpoint, with nothing to install

Watch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month

### Flinks (D)

Good for: A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.

Ahead on:
- Payments & pricing, 25 against 20

Watch for: Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial


## Score by category

| Category | Weight | Belvo | Flinks | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 53 | Belvo +31 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 83 | Flinks +3 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 54 | Belvo +26 |
| Security & auth | 14% (17.5 this run) | 57 | 50 | Belvo +7 |
| Payments & pricing | 10% (12.5 this run) | 20 | 25 | Flinks +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 30 | 31 | Flinks +1 |
| Transparency & trust | 7% (8.8 this run) | 64 | 60 | Belvo +4 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **52.7 · D** | |

## Facts side by side

| Fact | Belvo | Flinks |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | Flinks Technology Inc. (National Bank of Canada) |
| Hosted endpoint | `https://api.belvo.com` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found |
| Read-only variant documented | no | yes |
| llms.txt | yes | yes |
| Last release | 2026-08-10 | 2026-09-01 |
| Terms last updated | 2025-01-10 | 2023-08-03 |
| Privacy policy last updated | 2021-02-22 | 2022-09-22 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | none |

## Verdicts

**Belvo.** Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.

**Flinks.** Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days.

## Before you call either

### Belvo

1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys
2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes
3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts
4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`
5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute

### Flinks

1. Call `/GenerateAuthorizeToken` with the secret key in `flinks-auth-key`, then pass the returned token to the Connect iframe or to `/Authorize`. The token is single-use and expires after 15 minutes.
2. Send the account holder through Flinks Connect in a browser. The API alone cannot complete a first bank login, and sandbox iframes need `demo=true`.
3. Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.
4. On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.
5. Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one.

## Questions

### Which is better for AI agents, Belvo or Flinks?

Belvo scores 63.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 4 of 7 scored categories. Flinks leads on payments & pricing.

### Do Belvo and Flinks need an API key?

Both need an API key.

### Can an agent call Belvo and Flinks without installing anything?

Belvo has a hosted endpoint at https://api.belvo.com. No hosted endpoint is listed for Flinks.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/belvo-vs-flinks.json, and with the fewest tokens: https://www.anchorterminal.com/compare/belvo-vs-flinks.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "belvo", "b": "flinks"}`. From a terminal: `anchor compare belvo flinks`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/belvo.json and https://www.anchorterminal.com/api/v1/tools/flinks.json

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- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)
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- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)
- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)
- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)
- [Flinks vs MX Platform API](https://www.anchorterminal.com/compare/flinks-vs-mx.md)
- [Flinks vs Plaid](https://www.anchorterminal.com/compare/flinks-vs-plaid.md)
- [Flinks vs Salt Edge Account Information](https://www.anchorterminal.com/compare/flinks-vs-salt-edge.md)
- [Flinks vs Teller](https://www.anchorterminal.com/compare/flinks-vs-teller.md)
- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)
- [Flinks vs TrueLayer](https://www.anchorterminal.com/compare/flinks-vs-truelayer.md)
- [Flinks vs Yapily](https://www.anchorterminal.com/compare/flinks-vs-yapily.md)