{ "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": 727, "ranked": true, "rankOf": 950, "categoryRank": 8, "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": "2026-10-10T03:58:20.534494156Z" }, "securityTxt": { "url": "https://flinks.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:39:42.096554051Z" }, "llmsTxt": { "url": "https://docs.flinks.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:01:59.145378833Z" }, "pages": [ { "url": "https://docs.flinks.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:37:22.007609893Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "87533a32e60b" }, { "url": "https://www.flinks.com/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:50:08.604371388Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "23a9798fcf8f" }, { "url": "https://www.flinks.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:50:11.102824679Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "30dc9b325b9b" }, { "url": "https://www.flinks.com/terms-and-conditions", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:50:12.972391995Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "45a2b132d8e3" } ], "updatedAt": "2026-10-10T03:58:20.534494156Z" } }, "answer": "Flinks scores 52.7 (D) on agent readiness against Powens's 42.6 (E), and leads in 3 of 7 scored categories. Powens leads on security \u0026 auth.", "b": { "slug": "powens", "name": "Powens", "vendor": "Powens SAS", "vendorUrl": "https://www.powens.com", "kind": "http-api", "category": "banking-data", "summary": "Powens is a French open banking platform, formerly Budget Insight. Its REST API and hosted Webview read bank accounts, balances and transactions with the account holder's consent, verify account ownership and start bank payments in Europe.", "url": "https://www.anchorterminal.com/tools/powens", "markdownUrl": "https://www.anchorterminal.com/tools/powens.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/powens.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/powens.json", "repo": "https://github.com/powenscompany/powens-connect-ios", "license": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0", "transports": [ "http" ], "remoteUrl": "https://{domain}.biapi.pro/2.0", "packages": [], "auth": "mixed", "authNotes": "A client ID and client secret from the console, sent in the body of `POST /auth/init`, return a permanent user token that is sent as `authorization: Bearer`. A permanent token has no expiry and is revoked with `DELETE /auth/token` or `POST /auth/renew` with `revoke_previous`. The Webview takes a temporary code from `GET /auth/token/code`, valid 30 minutes or once. Payments use 30-minute service tokens with `payments:*` scopes. Listing users and changing configuration need separate tokens from the console settings. Console signup is self-serve for a sandbox domain. Live access is by purchase order.", "pricing": "paid", "pricingNotes": "No public prices. The site has no pricing page, and product pages lead to a meeting request (https://www.powens.com/products/transactions/, checked 2026-10-09). The conditions of sale set fees in a purchase order by volume of users, invoiced in advance with a monthly invoice for excess users, and revise prices each year by the SYNTEC index. A free console account gives a sandbox domain with a test connector. No card is mentioned for signup.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference pages read or the site (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://docs.powens.com/documentation", "llmsTxt": "https://docs.powens.com/api-reference/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.identity", "bank.payments" ], "tags": [ "hosted", "llms-txt", "webhooks", "sandbox", "eu", "enterprise", "sales-led", "closed-source" ], "graded": true, "anchor": { "graded": true, "score": 42.6, "grade": "E", "agentReady": false, "rank": 892, "ranked": true, "rankOf": 950, "categoryRank": 13, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 57, "maintenance": 33, "payments": 10, "reliability": 27, "schema": 48, "security": 60, "transparency": 63 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.", "bestFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.", "strengths": [ "Both docs spaces publish llms.txt and a Markdown twin of every page, and robots.txt states `ai-input=yes`", "Transactions take `limit` up to 1,000, opaque cursor links, `min_date`, `max_date`, `last_update` and value filters", "`DELETE /users/{userId}/connections/{connectionId}` is documented as a permanent erasure of the connection and all its data", "Payment service tokens last 30 minutes and carry scopes such as `payments:read-only`, `payments:validate` and `payments:cancel`", "Powens SAS is a payment institution registered with the ACPR under CIB 16948, and its terms name hosting sub-processors in France" ], "weaknesses": [ "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables", "No public prices. Fees are set per volume of users in a signed purchase order", "No status page is linked from the site or docs read, and no uptime SLA appears in the conditions of sale", "No idempotency key or documented 429 handling was found, and production rate limits are not published", "The only SDK found is an iOS package at 1.0.0-beta, last changed on 1 October 2024" ], "agentNotes": [ "Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`", "Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given", "Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions", "Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header", "Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 42.6 } ], "editorialScores": { "ergonomics": 57, "maintenance": 33, "payments": 10, "reliability": 27, "schema": 48, "security": 60, "transparency": 64 }, "provenanceScore": 61 }, "connect": { "http": "curl https://{domain}.biapi.pro/2.0/connectors/" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/powens" }, "area": "domain-data", "provenance": { "legalEntity": "Powens SAS", "domain": "powens.com", "domainRegistered": "2000-03-01", "endpointOnVendorDomain": false, "terms": "https://www.powens.com/sas-conditions-sale/", "privacy": "https://www.powens.com/sas-privacy-policy/", "statusPage": "", "changelog": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The legal notice names Powens, a simplified joint-stock company with share capital of 44,037.90 euros, 84 rue Beaubourg, 75003 Paris, Paris trade register number 749 867 206, registered with the ACPR as a payment institution under CIB 16948.", "The terms link is the General Terms and Conditions of Sale, which apply to services Powens performs for clients under a purchase order and are governed by French law. The page carries no version or date. A separate Terms and Conditions of Use page binds the account holders who use the Webview.", "The privacy link is the Powens SAS privacy policy, which covers the website, console accounts and financial data, and lists processors with a column for transfers outside the EU. The page carries no date. A group privacy policy and one for the Spanish regulated entity are separate pages.", "The API answers at https://{domain}.biapi.pro, a second domain registered on 5 February 2014, and the Webview at webview.powens.com. The docs still link console.budget-insight.com and docs.budget-insight.com in places.", "www.powens.com/.well-known/security.txt returns 404. No vulnerability disclosure policy or bug bounty was found on the pages read.", "No status page is linked from the home page, the product pages or the docs read. status.powens.com was a guess and could not be reached from our network, so its existence is unchecked.", "The changelog is a Notion page linked from the docs home. It is drawn by script and was not read. Verisign RDAP gives the powens.com registration date and OVH as registrar.", "Powens acquired the Spanish electronic money institution Unnax in 2024, and Unnax took the Powens brand in 2026 per powens.com/unnax-is-powens." ], "score": 61 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/powens.json", "live": { "slug": "powens", "probe": { "target": "https://{domain}.biapi.pro/2.0", "method": "get", "lastAt": "2026-10-10T03:53:38.755342095Z", "lastOk": false, "lastStatus": 0, "lastMs": 0, "lastNote": "invalid character \"{\" in host name", "authRequired": false, "uptime24h": 0, "uptime30d": 0, "p50ms24h": 0, "p95ms24h": 0, "samples24h": 125, "samples30d": 125, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 0 }, { "date": "2026-10-10", "probes": 40, "ok": 0 } ], "outages": [ { "start": "2026-10-09T15:43:17.921158871Z", "end": "0001-01-01T00:00:00Z", "note": "invalid character \"{\" in host name" } ] }, "versions": [ { "registry": "github", "name": "powenscompany/powens-connect-ios", "version": "1.0.0-beta", "released": "2024-09-30", "seenAt": "2026-10-09T17:14:20.632650104Z" } ], "githubStars": 1, "pages": [ { "url": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb", "kind": "changelog", "status": 404, "checkedAt": "2026-10-09T18:33:19.38191606Z", "changedAt": "0001-01-01T00:00:00Z" }, { "url": "https://www.powens.com/sas-privacy-policy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:53:14.750162665Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "4bbb4f60d121" }, { "url": "https://www.powens.com/sas-conditions-sale/", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:53:12.685497091Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7ce097c66886" } ], "updatedAt": "2026-10-10T03:53:38.755342095Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Flinks Technology Inc. (National Bank of Canada)", "b": "Powens SAS", "name": "Vendor" }, { "a": "no (local only)", "b": "https://{domain}.biapi.pro/2.0", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth or 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 under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0", "name": "Licence" }, { "a": "yes", "b": "yes", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-01", "b": "none", "name": "Last release" }, { "a": "2023-08-03", "b": "no date given", "name": "Terms last updated" }, { "a": "2022-09-22", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "not found in the text", "name": "Arbitration or class-action waiver" } ], "faq": [ { "answer": "Flinks scores 52.7 (D) on agent readiness against Powens's 42.6 (E), and leads in 3 of 7 scored categories. Powens leads on security \u0026 auth.", "question": "Which is better for AI agents, Flinks or Powens?" }, { "answer": "Flinks needs an API key. Powens takes an API key or an OAuth sign-in.", "question": "Do Flinks and Powens need an API key?" }, { "answer": "No hosted endpoint is listed for Flinks. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0.", "question": "Can an agent call Flinks and Powens without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 53 against 27", "Schema \u0026 documentation, 83 against 48", "Payments \u0026 pricing, 25 against 10" ], "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": [ "Security \u0026 auth, 60 against 50" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.", "slug": "powens", "watchFor": "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables" } ], "job": { "capability": "bank.accounts", "name": "Bank account data" }, "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-powens.json", "title": "Akoya vs Powens", "url": "https://www.anchorterminal.com/compare/akoya-vs-powens" }, { "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-powens.json", "title": "Basiq vs Powens", "url": "https://www.anchorterminal.com/compare/basiq-vs-powens" }, { "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-powens.json", "title": "Belvo vs Powens", "url": "https://www.anchorterminal.com/compare/belvo-vs-powens" }, { "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-powens.json", "title": "Enable Banking vs Powens", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-powens" }, { "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-mx.json", "title": "Flinks vs MX Platform API", "url": "https://www.anchorterminal.com/compare/flinks-vs-mx" }, { "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/flinks-vs-yodlee-financial-data.json", "title": "Flinks vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.json", "title": "GoCardless Bank Account Data vs Powens", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-powens.json", "title": "MX Platform API vs Powens", "url": "https://www.anchorterminal.com/compare/mx-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-powens.json", "title": "Plaid vs Powens", "url": "https://www.anchorterminal.com/compare/plaid-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-salt-edge.json", "title": "Powens vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/powens-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-teller.json", "title": "Powens vs Teller", "url": "https://www.anchorterminal.com/compare/powens-vs-teller" }, { "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/powens-vs-truelayer.json", "title": "Powens vs TrueLayer", "url": "https://www.anchorterminal.com/compare/powens-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-yapily.json", "title": "Powens vs Yapily", "url": "https://www.anchorterminal.com/compare/powens-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.json", "title": "Powens vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data" } ], "scores": [ { "by": 26, "edge": "flinks", "flinks": 53, "key": "reliability", "name": "Reliability", "powens": 27, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 35, "edge": "flinks", "flinks": 83, "key": "schema", "name": "Schema \u0026 documentation", "powens": 48, "weight": 13 }, { "by": 3, "edge": "powens", "flinks": 54, "key": "ergonomics", "name": "Agent ergonomics", "powens": 57, "weight": 13 }, { "by": 10, "edge": "powens", "flinks": 50, "key": "security", "name": "Security \u0026 auth", "powens": 60, "weight": 14 }, { "by": 15, "edge": "flinks", "flinks": 25, "key": "payments", "name": "Payments \u0026 pricing", "powens": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 2, "edge": "powens", "flinks": 31, "key": "maintenance", "name": "Maintenance \u0026 community", "powens": 33, "weight": 7 }, { "by": 3, "edge": "powens", "flinks": 60, "key": "transparency", "name": "Transparency \u0026 trust", "powens": 63, "weight": 7 } ], "summary": "Flinks scores 52.7 (D) on agent readiness against Powens's 42.6 (E), and leads in 3 of 7 scored categories. Powens leads on security \u0026 auth. Both do bank account data.", "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.", "powens": "Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/flinks-vs-powens", "json": "https://www.anchorterminal.com/compare/flinks-vs-powens.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/flinks-vs-powens.md", "slim": "https://www.anchorterminal.com/compare/flinks-vs-powens.min.md" }, "markdown": "Flinks scores 52.7 (D) on agent readiness against Powens's 42.6 (E), and leads in 3 of 7 scored categories. Powens leads on security \u0026 auth. Both do bank account data.\n\n- Flinks: grade D, 52.7/100, rank #727 of 950. Markdown https://www.anchorterminal.com/tools/flinks.md · JSON https://www.anchorterminal.com/api/v1/tools/flinks.json\n- Powens: grade E, 42.6/100, rank #892 of 950. Markdown https://www.anchorterminal.com/tools/powens.md · JSON https://www.anchorterminal.com/api/v1/tools/powens.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### 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- Reliability, 53 against 27\n- Schema \u0026 documentation, 83 against 48\n- Payments \u0026 pricing, 25 against 10\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### Powens (E)\n\nGood for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.\n\nAhead on:\n- Security \u0026 auth, 60 against 50\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables\n\n\n## Score by category\n\n| Category | Weight | Flinks | Powens | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 53 | 27 | Flinks +26 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 83 | 48 | Flinks +35 |\n| Agent ergonomics | 13% (16.2 this run) | 54 | 57 | Powens +3 |\n| Security \u0026 auth | 14% (17.5 this run) | 50 | 60 | Powens +10 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 25 | 10 | Flinks +15 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 31 | 33 | Powens +2 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 60 | 63 | Powens +3 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **52.7 · D** | **42.6 · E** | |\n\n## Facts side by side\n\n| Fact | Flinks | Powens |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Flinks Technology Inc. (National Bank of Canada) | Powens SAS |\n| Hosted endpoint | no (local only) | `https://{domain}.biapi.pro/2.0` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth or 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 under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 |\n| Read-only variant documented | yes | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-09-01 | none |\n| Terms last updated | 2023-08-03 | no date given |\n| Privacy policy last updated | 2022-09-22 | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | not found in the text | not found in the text |\n| Terms or service can change without notice | yes | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\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**Powens.** Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.\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### Powens\n\n1. Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`\n2. Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given\n3. Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions\n4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header\n5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks\n\n## Questions\n\n### Which is better for AI agents, Flinks or Powens?\n\nFlinks scores 52.7 (D) on agent readiness against Powens's 42.6 (E), and leads in 3 of 7 scored categories. Powens leads on security \u0026 auth.\n\n### Do Flinks and Powens need an API key?\n\nFlinks needs an API key. Powens takes an API key or an OAuth sign-in.\n\n### Can an agent call Flinks and Powens without installing anything?\n\nNo hosted endpoint is listed for Flinks. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/flinks-vs-powens.json, and with the fewest tokens: https://www.anchorterminal.com/compare/flinks-vs-powens.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"flinks\", \"b\": \"powens\"}`. From a terminal: `anchor compare flinks powens`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/flinks.json and https://www.anchorterminal.com/api/v1/tools/powens.json\n\n## Other comparisons with Flinks or Powens\n\n- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Basiq vs Flinks](https://www.anchorterminal.com/compare/basiq-vs-flinks.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)\n- [Belvo vs Powens](https://www.anchorterminal.com/compare/belvo-vs-powens.md)\n- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)\n- [Enable Banking vs Powens](https://www.anchorterminal.com/compare/enable-banking-vs-powens.md)\n- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)\n- [Flinks vs MX Platform API](https://www.anchorterminal.com/compare/flinks-vs-mx.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- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.md)\n- [GoCardless Bank Account Data vs Powens](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.md)\n- [MX Platform API vs Powens](https://www.anchorterminal.com/compare/mx-vs-powens.md)\n- [Plaid vs Powens](https://www.anchorterminal.com/compare/plaid-vs-powens.md)\n- [Powens vs Salt Edge Account Information](https://www.anchorterminal.com/compare/powens-vs-salt-edge.md)\n- [Powens vs Teller](https://www.anchorterminal.com/compare/powens-vs-teller.md)\n- [Powens vs Tink](https://www.anchorterminal.com/compare/powens-vs-tink.md)\n- [Powens vs TrueLayer](https://www.anchorterminal.com/compare/powens-vs-truelayer.md)\n- [Powens vs Yapily](https://www.anchorterminal.com/compare/powens-vs-yapily.md)\n- [Powens vs Yodlee Core API](https://www.anchorterminal.com/compare/powens-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": "Flinks vs Powens", "url": "" } ], "description": "Flinks scores 52.7 (D) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Flinks D 52.7", "Powens E 42.6", "scores" ], "h1": "Flinks vs Powens", "image": "https://www.anchorterminal.com/assets/og/compare-flinks-vs-powens.png", "path": "/compare/flinks-vs-powens", "published": "2026-10-01", "section": "tools", "title": "Flinks vs Powens for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/flinks-vs-powens" }, "tokens": { "markdown": 2450, "slim": 630 }, "version": 1 }