{ "data": { "a": { "slug": "flinks", "name": "Flinks", "vendor": "Flinks Technology Inc. (National Bank of Canada)", "vendorUrl": "https://www.flinks.com", "kind": "http-api", "category": "banking-data", "summary": "Flinks is a Canadian bank-data aggregator owned by National Bank of Canada. Its REST API and Flinks Connect widget read accounts, balances, transactions and holder details from Canadian and US institutions with the holder's consent, and start Canadian bank payments.", "url": "https://www.anchorterminal.com/tools/flinks", "markdownUrl": "https://www.anchorterminal.com/tools/flinks.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/flinks.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/flinks.json", "license": "Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found", "transports": [ "http" ], "packages": [], "auth": "api-key", "authNotes": "Two static keys issued by Flinks at onboarding. The secret key goes in the `flinks-auth-key` header of `/GenerateAuthorizeToken` and returns a single-use authorise token that expires after 15 minutes. Data endpoints take the `requestId` from `/Authorize` plus an `x-api-key` header. Neither key expires, and no scopes were found. Webhooks are signed with HMAC-SHA256 in a `flinks-authenticity-key` header. Flinks Outbound, the open banking product, uses an OAuth 2.0 authorisation code flow with a `client_id` and `client_secret` and Bearer tokens. Sandbox keys for the shared Toolbox instance are published in the docs. Production keys come from a Flinks representative after a contract.", "pricing": "paid", "pricingNotes": "Plans with a monthly minimum and a one-year term (https://www.flinks.com/pricing, checked 2026-10-08). Connect is $500 a month for 200 unique connections, $1,250 for 1,100, and custom from 20,000. Enrich is $250 a month for 100 API calls and $1,100 for 1,250. Upload is $500 a month for 20 documents and $1,500 for 100. Flinks Pay is quoted by sales. The page does not state the currency or the overage rates, and says there is no pay-as-you-go plan and no self-serve trial. The Toolbox sandbox is free, with keys published in the docs and no card.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the ten OpenAPI files 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.flinks.com", "llmsTxt": "https://docs.flinks.com/llms.txt", "openapi": "https://docs.flinks.com/openapi.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "webhooks", "sandbox", "canada", "us", "enterprise", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-09-01", "graded": true, "anchor": { "graded": true, "score": 52.7, "grade": "D", "agentReady": false, "rank": 559, "ranked": true, "rankOf": 722, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 54, "maintenance": 31, "payments": 25, "reliability": 53, "schema": 83, "security": 50, "transparency": 60 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "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.", "bestFor": "A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.", "strengths": [ "Ten OpenAPI 3.0 files are public at docs.flinks.com, 85 operations in all, with the main Connect and Enrich file holding 34", "Shared sandbox keys for the Toolbox instance are published in the docs, so test calls need no account", "llms.txt lists 216 pages with Markdown twins, and the docs add a skill file and a read-only documentation MCP server", "Plan prices are public. Connect starts at $500 a month for 200 unique connections, with no integration or platform fee", "Each instance is hosted in the country it serves, Canada or the US, and `/DeleteCard` deletes all data held for a connection" ], "weaknesses": [ "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", "The secret key, `x-api-key` and HMAC secret do not expire, and no scopes or rotation steps were found for the Connect API", "No rate-limit numbers are published, and `TOO_MANY_REQUESTS` is documented under HTTP 401 with no Retry-After", "status.flinks.com lists 77 incidents in the 90 days to 8 October 2026, 16 of them on Flinks' own components", "`/GetAccountsDetail` returns the whole 90 or 365 days of transactions in one payload with no pagination, and no official SDK was found" ], "agentNotes": [ "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.", "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`.", "Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.", "On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.", "Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 52.7 } ], "editorialScores": { "ergonomics": 54, "maintenance": 31, "payments": 25, "reliability": 53, "schema": 83, "security": 50, "transparency": 48 }, "provenanceScore": 71 }, "connect": { "http": "curl --request POST \\\n --url https://toolbox-api.private.fin.ag/v3/{customerId}/BankingServices/GenerateAuthorizeToken \\\n --header 'Content-Type: application/json' \\\n --header 'flinks-auth-key: YOUR_SECRET_KEY'", "claudeCode": "claude mcp add flinks --transport http https://docs.flinks.com/mcp" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/flinks" }, "area": "domain-data", "provenance": { "legalEntity": "Flinks Technology Inc.", "domain": "flinks.com", "domainRegistered": "1997-06-03", "endpointOnVendorDomain": false, "terms": "https://www.flinks.com/terms-and-conditions", "privacy": "https://www.flinks.com/privacy-policy", "statusPage": "https://status.flinks.com", "changelog": "https://docs.flinks.com/changelog", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The terms link is the Master Terms and Conditions, last updated 3 August 2023, which govern use of the Flinks technology under an order form and name Flinks Technology Inc. Service schedules for connectivity, enrichment and upload are separate pages on flinks.com.", "The privacy link holds the General Privacy Statement (22 September 2022) and the Services Privacy Statement (19 April 2024) on one page. The Services statement covers bank data read through the product and names National Bank of Canada as Flinks' parent company.", "API calls go to https://{instance}-api.private.fin.ag and the widget to https://{instance}-iframe.private.fin.ag. Flinks Outbound answers at ob.flinksapp.com. Neither is under flinks.com, so the endpoint is recorded as off the vendor's domain. We did not confirm the registrant of fin.ag.", "flinks.com/.well-known/security.txt, www.flinks.com/.well-known/security.txt and docs.flinks.com/.well-known/security.txt return 404. The security page gives security@flinks.com for vulnerability reports.", "status.flinks.com runs on incident.io. changelog.flinks.com redirects to docs.flinks.com/changelog.", "Verisign RDAP gives 1997-06-03 as the registration date of flinks.com and GoDaddy.com, LLC as registrar. No street address for the company was found on the pages read." ], "score": 71 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/flinks.json", "live": { "slug": "flinks", "vendorStatus": { "page": "https://status.flinks.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-09T01:07:32.112995467Z" }, "updatedAt": "2026-10-09T01:07:32.112995467Z" } }, "answer": "MX Platform API scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 6 of 7 scored categories. Flinks leads on payments \u0026 pricing.", "b": { "slug": "mx", "name": "MX Platform API", "vendor": "MX Technologies, Inc.", "vendorUrl": "https://www.mx.com", "kind": "http-api", "category": "banking-data", "summary": "MX Technologies' Platform API connects US and Canadian bank accounts for account aggregation, balance checks, account and owner verification and up to 24 months of categorised transactions, through REST endpoints or the embedded Connect Widget.", "url": "https://www.anchorterminal.com/tools/mx", "markdownUrl": "https://www.anchorterminal.com/tools/mx.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/mx.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/mx.json", "repo": "https://github.com/mxenabled/openapi", "license": "Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT", "transports": [ "http" ], "remoteUrl": "https://api.mx.com", "packages": [ { "registry": "npm", "name": "mx-platform-node" }, { "registry": "pypi", "name": "mx-platform-python" }, { "registry": "npm", "name": "@mxenabled/web-widget-sdk" } ], "auth": "api-key", "authNotes": "Self-serve for development, MX approval for production. Every request sends Basic auth of `client_id:api_key` from the Client Dashboard, plus `Accept-Version`. Development and production keys are separate, and a rotated key stays valid for 30 days. All calling IP addresses must be allowlisted in the dashboard, and MX reviews addresses outside the US. Mutual TLS is optional. Four processor endpoints take a Bearer token exchanged from an authorisation code. OAuth institutions appear only after MX registers the client with them.", "pricing": "paid", "pricingNotes": "No public price. www.mx.com/pricing/ returns 404 and the product pages ask for a demo. Developer API keys are free and reach the integration environment (`https://int-api.mx.com`) with up to 100 users and a subset of institutions, so an agent's owner can test without a contract. Production keys are requested from MX in the Client Dashboard (checked 2026-10-08).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the OpenAPI file or mx.com (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 9, "npmWeekly": 2631, "pypiWeekly": 1997, "asOf": "2026-10-08" }, "docsUrl": "https://docs.mx.com/", "llmsTxt": "https://docs.mx.com/llms.txt", "openapi": "https://docs.mx.com/openapi/platform-api/v20260929.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "openapi", "llms-txt", "typescript", "python", "ruby", "java", "csharp", "webhooks", "sales-led", "enterprise", "status-page", "soc2" ], "lastRelease": "2026-09-29", "graded": true, "anchor": { "graded": true, "score": 62.5, "grade": "B", "agentReady": false, "rank": 336, "ranked": true, "rankOf": 722, "categoryRank": 3, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 71, "payments": 15, "reliability": 63, "schema": 85, "security": 60, "transparency": 63 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Three public OpenAPI files, llms.txt, Markdown docs and a written version policy with 18 months of support and `Deprecation` and `Sunset` response headers. No price, client agreement or SLA is published, production keys need MX's approval, every calling IP address must be allowlisted, and the status page records three platform-wide error incidents since 10 July 2026.", "bestFor": "A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets.", "strengths": [ "OpenAPI files for all three Platform API versions, an llms.txt index and a Markdown twin of every docs page", "Each version is supported for at least 18 months, then deprecated for 12, and deprecated endpoints send `Deprecation`, `Sunset` and `Link` headers", "Rate limits are published per method, 2,000 GET and 750 POST requests a second in production", "Free developer keys reach the integration environment with up to 100 users and the `mxbank` test institution", "API keys rotate with a 30-day overlap, every calling IP must be allowlisted, and mutual TLS and JWE-encrypted responses are available" ], "weaknesses": [ "No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard", "Three platform-wide incidents of elevated errors since 10 July 2026 (42, 89 and 37 minutes), marked critical or major", "One `client_id` and `api_key` pair reaches every endpoint, with no scopes and no read-only key", "No SDK targets v20260929. The newest SDK releases date from January and February 2026 and cover v20250224 and v20111101", "A 429 carries no `Retry-After`, and the API has no idempotency key", "The privacy statement excludes data MX processes for clients, and no DPA or sub-processor list is public" ], "agentNotes": [ "Send `Accept: application/json`, `Accept-Version: v20260929` and Basic auth of `client_id:api_key` on every call. A missing version returns 406", "Ask the owner to allowlist the calling machine's static IP in the Client Dashboard first. Other addresses get 403, and some failed authentication returns 404", "Test against `https://int-api.mx.com` with institution `mxbank`, username `mxuser` and any password. It has no aggregation throttle", "Set your own `id` when creating users and members. A repeat returns 409, which makes a retried create safe", "Expect 202 without an error when a standard aggregation is throttled (three hours by default). Balance checks stop at 5 per member every 2 hours with 429", "Pass `includes[]=merchant` or `includes[]=category` as an array on transaction lists. A comma-separated string returns 400" ], "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": 71, "payments": 15, "reliability": 63, "schema": 85, "security": 60, "transparency": 46 }, "provenanceScore": 80 }, "connect": { "install": "npm install mx-platform-node@^3", "http": "curl -X GET 'https://int-api.mx.com/users' \\\n -H 'Accept: application/json' \\\n -H 'Accept-Version: v20260929' \\\n -H 'Authorization: Basic BASE_64_ENCODING_OF{client_id:api_key}'" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/mx" }, "area": "domain-data", "provenance": { "legalEntity": "MX Technologies, Inc.", "domain": "mx.com", "domainRegistered": "1994-04-28", "endpointOnVendorDomain": true, "terms": "", "privacy": "", "statusPage": "https://status.mx.com", "changelog": "https://docs.mx.com/resources/changelog/", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The privacy statement and the terms name MX Technologies, Inc., 3401 North Thanksgiving Way, Suite 500, Lehi, Utah 84043.", "`terms` is left out. The only terms on mx.com are an end-user and website Terms of Use dated 15 January 2020 (https://www.mx.com/terms/). No client or developer agreement for the Platform API is published.", "`privacy` is left out. The privacy statement at https://www.mx.com/privacy/ (30 September 2025) says it does not apply to personal data MX processes as a processor on behalf of its clients, which is the data the API handles.", "The API answers at api.mx.com and int-api.mx.com.", "security.txt at https://www.mx.com/.well-known/security.txt is PGP-signed, gives vulns@mx.com and expires 2030-12-31. Its Policy link redirects to the trust page.", "Verisign's RDAP server gives a registration date of 1994-04-28 and GoDaddy.com, LLC as registrar." ], "score": 80 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/mx.json", "live": { "slug": "mx", "probe": { "target": "https://api.mx.com", "method": "get", "lastAt": "2026-10-09T01:12:51.96396709Z", "lastOk": true, "lastStatus": 404, "lastMs": 661, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 695, "p95ms24h": 827, "samples24h": 63, "samples30d": 63, "days": [ { "date": "2026-10-08", "probes": 50, "ok": 50 }, { "date": "2026-10-09", "probes": 13, "ok": 13 } ] }, "vendorStatus": { "page": "https://status.mx.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-09T01:07:39.352778672Z" }, "updatedAt": "2026-10-09T01:12:51.96396709Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Flinks Technology Inc. (National Bank of Canada)", "b": "MX Technologies, Inc.", "name": "Vendor" }, { "a": "no (local only)", "b": "https://api.mx.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found", "b": "Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-01", "b": "2026-09-29", "name": "Last release" }, { "a": "2023-08-03", "b": "no document linked", "name": "Terms last updated" }, { "a": "2022-09-22", "b": "no document linked", "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": "not found in the text", "b": "", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "9 stars, 2.6k npm/wk, 2k PyPI/wk", "name": "Popularity" } ], "faq": [ { "answer": "MX Platform API scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 6 of 7 scored categories. Flinks leads on payments \u0026 pricing.", "question": "Which is better for AI agents, Flinks or MX Platform API?" }, { "answer": "Both need an API key.", "question": "Do Flinks and MX Platform API need an API key?" }, { "answer": "No hosted endpoint is listed for Flinks. MX Platform API has a hosted endpoint at https://api.mx.com.", "question": "Can an agent call Flinks and MX Platform API without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Payments \u0026 pricing, 25 against 15" ], "also": null, "goodFor": "A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.", "slug": "flinks", "watchFor": "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" }, { "aheadOn": [ "Reliability, 63 against 53", "Agent ergonomics, 74 against 54", "Security \u0026 auth, 60 against 50", "Maintenance \u0026 community, 71 against 31" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets.", "slug": "mx", "watchFor": "No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-flinks.json", "title": "Akoya vs Flinks", "url": "https://www.anchorterminal.com/compare/akoya-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-mx.json", "title": "Akoya vs MX Platform API", "url": "https://www.anchorterminal.com/compare/akoya-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-flinks.json", "title": "Belvo vs Flinks", "url": "https://www.anchorterminal.com/compare/belvo-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-mx.json", "title": "Belvo vs MX Platform API", "url": "https://www.anchorterminal.com/compare/belvo-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks.json", "title": "Enable Banking vs Flinks", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-mx.json", "title": "Enable Banking vs MX Platform API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.json", "title": "Flinks vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-plaid.json", "title": "Flinks vs Plaid", "url": "https://www.anchorterminal.com/compare/flinks-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge.json", "title": "Flinks vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-teller.json", "title": "Flinks vs Teller", "url": "https://www.anchorterminal.com/compare/flinks-vs-teller" }, { "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/flinks-vs-truelayer.json", "title": "Flinks vs TrueLayer", "url": "https://www.anchorterminal.com/compare/flinks-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-yapily.json", "title": "Flinks vs Yapily", "url": "https://www.anchorterminal.com/compare/flinks-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.json", "title": "GoCardless Bank Account Data vs MX Platform API", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-plaid.json", "title": "MX Platform API vs Plaid", "url": "https://www.anchorterminal.com/compare/mx-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-salt-edge.json", "title": "MX Platform API vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/mx-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-teller.json", "title": "MX Platform API vs Teller", "url": "https://www.anchorterminal.com/compare/mx-vs-teller" }, { "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/mx-vs-truelayer.json", "title": "MX Platform API vs TrueLayer", "url": "https://www.anchorterminal.com/compare/mx-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-yapily.json", "title": "MX Platform API vs Yapily", "url": "https://www.anchorterminal.com/compare/mx-vs-yapily" } ], "scores": [ { "by": 10, "edge": "mx", "flinks": 53, "key": "reliability", "mx": 63, "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 2, "edge": "mx", "flinks": 83, "key": "schema", "mx": 85, "name": "Schema \u0026 documentation", "weight": 13 }, { "by": 20, "edge": "mx", "flinks": 54, "key": "ergonomics", "mx": 74, "name": "Agent ergonomics", "weight": 13 }, { "by": 10, "edge": "mx", "flinks": 50, "key": "security", "mx": 60, "name": "Security \u0026 auth", "weight": 14 }, { "by": 10, "edge": "flinks", "flinks": 25, "key": "payments", "mx": 15, "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 40, "edge": "mx", "flinks": 31, "key": "maintenance", "mx": 71, "name": "Maintenance \u0026 community", "weight": 7 }, { "by": 3, "edge": "mx", "flinks": 60, "key": "transparency", "mx": 63, "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "MX Platform API scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 6 of 7 scored categories. Flinks leads on payments \u0026 pricing. Both do bank accounts.", "verdicts": { "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.", "mx": "Three public OpenAPI files, llms.txt, Markdown docs and a written version policy with 18 months of support and `Deprecation` and `Sunset` response headers. No price, client agreement or SLA is published, production keys need MX's approval, every calling IP address must be allowlisted, and the status page records three platform-wide error incidents since 10 July 2026." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/flinks-vs-mx", "json": "https://www.anchorterminal.com/compare/flinks-vs-mx.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/flinks-vs-mx.md", "slim": "https://www.anchorterminal.com/compare/flinks-vs-mx.min.md" }, "markdown": "MX Platform API scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 6 of 7 scored categories. Flinks leads on payments \u0026 pricing. Both do bank accounts.\n\n- 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\n- MX Platform API: grade B, 62.5/100, rank #336 of 722. Markdown https://www.anchorterminal.com/tools/mx.md · JSON https://www.anchorterminal.com/api/v1/tools/mx.json\n\n## Which one, for what\n\n### Flinks (D)\n\nGood for: A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.\n\nAhead on:\n- Payments \u0026 pricing, 25 against 15\n\nWatch 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\n\n### MX Platform API (B)\n\nGood for: A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets.\n\nAhead on:\n- Reliability, 63 against 53\n- Agent ergonomics, 74 against 54\n- Security \u0026 auth, 60 against 50\n- Maintenance \u0026 community, 71 against 31\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard\n\n\n## Score by category\n\n| Category | Weight | Flinks | MX Platform API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 53 | 63 | MX Platform API +10 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 83 | 85 | MX Platform API +2 |\n| Agent ergonomics | 13% (16.2 this run) | 54 | 74 | MX Platform API +20 |\n| Security \u0026 auth | 14% (17.5 this run) | 50 | 60 | MX Platform API +10 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 25 | 15 | Flinks +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 31 | 71 | MX Platform API +40 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 60 | 63 | MX Platform API +3 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **52.7 · D** | **62.5 · B** | |\n\n## Facts side by side\n\n| Fact | Flinks | MX Platform API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Flinks Technology Inc. (National Bank of Canada) | MX Technologies, Inc. |\n| Hosted endpoint | no (local only) | `https://api.mx.com` |\n| Transports | HTTP | HTTP |\n| Auth | API key | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found | Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-01 | 2026-09-29 |\n| Terms last updated | 2023-08-03 | no document linked |\n| Privacy policy last updated | 2022-09-22 | no document linked |\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 | not found in the text | |\n| Terms or service can change without notice | yes | |\n| Arbitration or class-action waiver | not found in the text | |\n| Popularity | none | 9 stars, 2.6k npm/wk, 2k PyPI/wk |\n\n## Verdicts\n\n**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.\n\n**MX Platform API.** Three public OpenAPI files, llms.txt, Markdown docs and a written version policy with 18 months of support and `Deprecation` and `Sunset` response headers. No price, client agreement or SLA is published, production keys need MX's approval, every calling IP address must be allowlisted, and the status page records three platform-wide error incidents since 10 July 2026.\n\n## Before you call either\n\n### Flinks\n\n1. 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.\n2. 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`.\n3. Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.\n4. On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.\n5. Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one.\n\n### MX Platform API\n\n1. Send `Accept: application/json`, `Accept-Version: v20260929` and Basic auth of `client_id:api_key` on every call. A missing version returns 406\n2. Ask the owner to allowlist the calling machine's static IP in the Client Dashboard first. Other addresses get 403, and some failed authentication returns 404\n3. Test against `https://int-api.mx.com` with institution `mxbank`, username `mxuser` and any password. It has no aggregation throttle\n4. Set your own `id` when creating users and members. A repeat returns 409, which makes a retried create safe\n5. Expect 202 without an error when a standard aggregation is throttled (three hours by default). Balance checks stop at 5 per member every 2 hours with 429\n6. Pass `includes[]=merchant` or `includes[]=category` as an array on transaction lists. A comma-separated string returns 400\n\n## Questions\n\n### Which is better for AI agents, Flinks or MX Platform API?\n\nMX Platform API scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 6 of 7 scored categories. Flinks leads on payments \u0026 pricing.\n\n### Do Flinks and MX Platform API need an API key?\n\nBoth need an API key.\n\n### Can an agent call Flinks and MX Platform API without installing anything?\n\nNo hosted endpoint is listed for Flinks. MX Platform API has a hosted endpoint at https://api.mx.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/flinks-vs-mx.json, and with the fewest tokens: https://www.anchorterminal.com/compare/flinks-vs-mx.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"flinks\", \"b\": \"mx\"}`. From a terminal: `anchor compare flinks mx`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/flinks.json and https://www.anchorterminal.com/api/v1/tools/mx.json\n\n## Other comparisons with Flinks or MX Platform API\n\n- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)\n- [Akoya vs MX Platform API](https://www.anchorterminal.com/compare/akoya-vs-mx.md)\n- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)\n- [Belvo vs MX Platform API](https://www.anchorterminal.com/compare/belvo-vs-mx.md)\n- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)\n- [Enable Banking vs MX Platform API](https://www.anchorterminal.com/compare/enable-banking-vs-mx.md)\n- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)\n- [Flinks vs Plaid](https://www.anchorterminal.com/compare/flinks-vs-plaid.md)\n- [Flinks vs Salt Edge Account Information](https://www.anchorterminal.com/compare/flinks-vs-salt-edge.md)\n- [Flinks vs Teller](https://www.anchorterminal.com/compare/flinks-vs-teller.md)\n- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)\n- [Flinks vs TrueLayer](https://www.anchorterminal.com/compare/flinks-vs-truelayer.md)\n- [Flinks vs Yapily](https://www.anchorterminal.com/compare/flinks-vs-yapily.md)\n- [GoCardless Bank Account Data vs MX Platform API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.md)\n- [MX Platform API vs Plaid](https://www.anchorterminal.com/compare/mx-vs-plaid.md)\n- [MX Platform API vs Salt Edge Account Information](https://www.anchorterminal.com/compare/mx-vs-salt-edge.md)\n- [MX Platform API vs Teller](https://www.anchorterminal.com/compare/mx-vs-teller.md)\n- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)\n- [MX Platform API vs TrueLayer](https://www.anchorterminal.com/compare/mx-vs-truelayer.md)\n- [MX Platform API vs Yapily](https://www.anchorterminal.com/compare/mx-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-09", "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": "Flinks vs MX Platform API", "url": "" } ], "description": "MX Platform API scores 62.5 (B) on agent readiness against Flinks's 52.7 (D), and leads in 6 of 7 scored categories. Flinks leads on payments \u0026 pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Flinks D 52.7", "MX Platform API B 62.5", "scores" ], "h1": "Flinks vs MX Platform API", "image": "https://www.anchorterminal.com/assets/og/compare-flinks-vs-mx.png", "path": "/compare/flinks-vs-mx", "published": "2026-10-01", "section": "tools", "title": "Flinks vs MX Platform API for AI agents, D 52.7 vs B 62.5", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/flinks-vs-mx" }, "tokens": { "markdown": 2350, "slim": 680 }, "version": 1 }