{ "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": "2026-10-08T21:57:55.355975731Z" }, "updatedAt": "2026-10-08T21:57:55.355975731Z" } }, "answer": "Flinks scores 52.7 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics and transparency \u0026 trust.", "b": { "slug": "salt-edge", "name": "Salt Edge Account Information", "vendor": "Salt Edge", "vendorUrl": "https://www.saltedge.com", "kind": "http-api", "category": "banking-data", "summary": "Open banking aggregator for account data and payments across international banks.", "url": "https://www.anchorterminal.com/tools/salt-edge", "markdownUrl": "https://www.anchorterminal.com/tools/salt-edge.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/salt-edge.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/salt-edge.json", "transports": [ "http" ], "remoteUrl": "https://www.saltedge.com/api/v6", "packages": [], "auth": "api-key", "authNotes": "Every request carries App-id and Secret headers from the dashboard. Live applications must also sign requests, with an Expires-at header (UNIX time, at most an hour ahead) and a Signature header, the base64 SHA256 signature of `Expires-at|method|url|body` made with your private key. Test and Pending applications can skip signing. End users authorise through the Connect widget at a connect_url you create per customer.", "pricing": "paid", "pricingNotes": "No price list. The pricing page returns 404 and the product page points at the dashboard sign-up and a sales form (https://www.saltedge.com/products/account_information). A new dashboard application is in Test status and can only connect to Fake providers and bank sandboxes; moving to Live needs approval, after which rate limits for parallel connections are agreed with a project manager (https://docs.saltedge.com/v6/api_reference).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.saltedge.com/v6/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "uk", "eu", "closed-source", "enterprise", "webhooks" ], "graded": true, "anchor": { "graded": true, "score": 46.7, "grade": "D", "agentReady": false, "rank": 643, "ranked": true, "rankOf": 722, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.", "bestFor": "Account data and payments in markets outside the UK, EEA and US.", "strengths": [ "5,000-plus banks in more than 50 countries, by Salt Edge's own count", "per_page up to 1,000, from_id cursors and filters on account, dates and pending", "Consent scopes and period_days, with PUT /consents/{id}/revoke to end one", "Fake providers for password, OAuth and SMS flows, plus your own CSV data", "Privacy policy names its processors and countries and keeps EU data in the EU" ], "weaknesses": [ "Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429", "No public pricing; parallel connection limits are negotiated", "No official SDKs, OpenAPI file, llms.txt or changelog", "No security.txt, security page, disclosure policy or certification found", "Status history readable only for the last fortnight; the JSON feed is blocked by robots.txt" ], "agentNotes": [ "Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error", "Start with fakebank_simple_xf in country XF; it needs no bank sandbox", "Sign requests from the start even in Test, so the move to Live doesn't change your client", "Follow next_page from the meta block rather than building from_id URLs yourself", "Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 46.7 } ], "editorialScores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 73 }, "provenanceScore": 74 }, "connect": { "http": "curl https://www.saltedge.com/api/v6/countries -H \"App-id: $SALTEDGE_APP_ID\" -H \"Secret: $SALTEDGE_SECRET\" -H \"Accept: application/json\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/salt-edge" }, "area": "domain-data", "provenance": { "legalEntity": "Salt Edge Limited", "domain": "saltedge.com", "domainRegistered": "2013-12-16", "endpointOnVendorDomain": true, "terms": "https://www.saltedge.com/legal/terms_of_service", "privacy": "https://www.saltedge.com/legal/privacy_policy", "statusPage": "https://www.saltedgestatus.com/", "changelog": "", "securityTxt": "none", "checked": "2026-10-01", "notes": [ "Salt Edge Limited, registered in England and Wales, company 11178811, FCA 822499, is a subsidiary of Salt Edge Inc., which the privacy policy places in Canada, with offices in Canada, the UK and Moldova.", "The privacy policy was last updated 14 September 2023.", "The domain's registration expires 2026-12-16 per Verisign's RDAP record in the 30 September check; rdap.org returned 403.", "www.saltedge.com/.well-known/security.txt returned 404 in the 30 September check, and www.saltedge.com/security returns 404.", "No changelog found; product news appears on blog.saltedge.com." ], "score": 74 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/salt-edge.json", "live": { "slug": "salt-edge", "probe": { "target": "https://www.saltedge.com/api/v6", "method": "get", "lastAt": "2026-10-08T21:53:33.035215295Z", "lastOk": true, "lastStatus": 404, "lastMs": 137, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 118, "p95ms24h": 189, "samples24h": 270, "samples30d": 1962, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 246, "ok": 246 } ] }, "vendorStatus": { "page": "https://www.saltedgestatus.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T21:58:13.547232026Z" }, "securityTxt": { "url": "https://saltedge.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:39:01.934789746Z" }, "domain": { "domain": "saltedge.com", "registered": "2013-12-16", "source": "https://rdap.verisign.com/com/v1/domain/saltedge.com", "checkedAt": "2026-10-04T13:05:42.743352908Z" }, "pages": [ { "url": "https://www.saltedge.com/legal/privacy_policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:30:08.989475763Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "98095fe138d1" }, { "url": "https://www.saltedge.com/legal/terms_of_service", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:30:11.439358543Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d4d5435c5ee6" } ], "updatedAt": "2026-10-08T21:58:13.547232026Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Flinks Technology Inc. (National Bank of Canada)", "b": "Salt Edge", "name": "Vendor" }, { "a": "no (local only)", "b": "https://www.saltedge.com/api/v6", "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": "none", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-09-01", "b": "none", "name": "Last release" }, { "a": "2023-08-03", "b": "2023-09-14", "name": "Terms last updated" }, { "a": "2022-09-22", "b": "2023-09-14", "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": "yes", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "2.5/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Flinks scores 52.7 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics and transparency \u0026 trust.", "question": "Which is better for AI agents, Flinks or Salt Edge Account Information?" }, { "answer": "Both need an API key.", "question": "Do Flinks and Salt Edge Account Information need an API key?" }, { "answer": "No hosted endpoint is listed for Flinks. Salt Edge Account Information has a hosted endpoint at https://www.saltedge.com/api/v6.", "question": "Can an agent call Flinks and Salt Edge Account Information without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 83 against 52", "Payments \u0026 pricing, 25 against 10", "Maintenance \u0026 community, 31 against 13" ], "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": [ "Agent ergonomics, 67 against 54", "Transparency \u0026 trust, 74 against 60" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "Account data and payments in markets outside the UK, EEA and US.", "slug": "salt-edge", "watchFor": "Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429" } ], "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-salt-edge.json", "title": "Akoya vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge" }, { "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-salt-edge.json", "title": "Belvo vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge" }, { "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-salt-edge.json", "title": "Enable Banking vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge" }, { "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-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-salt-edge.json", "title": "GoCardless Bank Account Data vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge" }, { "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/plaid-vs-salt-edge.json", "title": "Plaid vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/plaid-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-teller.json", "title": "Salt Edge Account Information vs Teller", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-teller" }, { "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/salt-edge-vs-truelayer.json", "title": "Salt Edge Account Information vs TrueLayer", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily.json", "title": "Salt Edge Account Information vs Yapily", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily" } ], "scores": [ { "by": 1, "edge": "flinks", "flinks": 53, "key": "reliability", "name": "Reliability", "salt-edge": 52, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 31, "edge": "flinks", "flinks": 83, "key": "schema", "name": "Schema \u0026 documentation", "salt-edge": 52, "weight": 13 }, { "by": 13, "edge": "salt-edge", "flinks": 54, "key": "ergonomics", "name": "Agent ergonomics", "salt-edge": 67, "weight": 13 }, { "by": 4, "edge": "flinks", "flinks": 50, "key": "security", "name": "Security \u0026 auth", "salt-edge": 46, "weight": 14 }, { "by": 15, "edge": "flinks", "flinks": 25, "key": "payments", "name": "Payments \u0026 pricing", "salt-edge": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 18, "edge": "flinks", "flinks": 31, "key": "maintenance", "name": "Maintenance \u0026 community", "salt-edge": 13, "weight": 7 }, { "by": 14, "edge": "salt-edge", "flinks": 60, "key": "transparency", "name": "Transparency \u0026 trust", "salt-edge": 74, "weight": 7 } ], "summary": "Flinks scores 52.7 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics and transparency \u0026 trust. 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.", "salt-edge": "5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge", "json": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge.md", "slim": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge.min.md" }, "markdown": "Flinks scores 52.7 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics and transparency \u0026 trust. 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- Salt Edge Account Information: grade D, 46.7/100, rank #643 of 722. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.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- Schema \u0026 documentation, 83 against 52\n- Payments \u0026 pricing, 25 against 10\n- Maintenance \u0026 community, 31 against 13\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### Salt Edge Account Information (D)\n\nGood for: Account data and payments in markets outside the UK, EEA and US.\n\nAhead on:\n- Agent ergonomics, 67 against 54\n- Transparency \u0026 trust, 74 against 60\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429\n\n\n## Score by category\n\n| Category | Weight | Flinks | Salt Edge Account Information | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 53 | 52 | Flinks +1 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 83 | 52 | Flinks +31 |\n| Agent ergonomics | 13% (16.2 this run) | 54 | 67 | Salt Edge Account Information +13 |\n| Security \u0026 auth | 14% (17.5 this run) | 50 | 46 | Flinks +4 |\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 | 13 | Flinks +18 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 60 | 74 | Salt Edge Account Information +14 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **52.7 · D** | **46.7 · D** | |\n\n## Facts side by side\n\n| Fact | Flinks | Salt Edge Account Information |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Flinks Technology Inc. (National Bank of Canada) | Salt Edge |\n| Hosted endpoint | no (local only) | `https://www.saltedge.com/api/v6` |\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 | none |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | 2026-09-01 | none |\n| Terms last updated | 2023-08-03 | 2023-09-14 |\n| Privacy policy last updated | 2022-09-22 | 2023-09-14 |\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 | yes |\n| Terms or service can change without notice | yes | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n| Agent reviews | none | 2.5/5 (2) |\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**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.\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### Salt Edge Account Information\n\n1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error\n2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox\n3. Sign requests from the start even in Test, so the move to Live doesn't change your client\n4. Follow next_page from the meta block rather than building from_id URLs yourself\n5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done\n\n## Questions\n\n### Which is better for AI agents, Flinks or Salt Edge Account Information?\n\nFlinks scores 52.7 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics and transparency \u0026 trust.\n\n### Do Flinks and Salt Edge Account Information need an API key?\n\nBoth need an API key.\n\n### Can an agent call Flinks and Salt Edge Account Information without installing anything?\n\nNo hosted endpoint is listed for Flinks. Salt Edge Account Information has a hosted endpoint at https://www.saltedge.com/api/v6.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/flinks-vs-salt-edge.json, and with the fewest tokens: https://www.anchorterminal.com/compare/flinks-vs-salt-edge.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"flinks\", \"b\": \"salt-edge\"}`. From a terminal: `anchor compare flinks salt-edge`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/flinks.json and https://www.anchorterminal.com/api/v1/tools/salt-edge.json\n\n## Other comparisons with Flinks or Salt Edge Account Information\n\n- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)\n- [Akoya vs Salt Edge Account Information](https://www.anchorterminal.com/compare/akoya-vs-salt-edge.md)\n- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)\n- [Belvo vs Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)\n- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)\n- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.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 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 Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [MX Platform API vs Salt Edge Account Information](https://www.anchorterminal.com/compare/mx-vs-salt-edge.md)\n- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)\n- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "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 Salt Edge Account Information", "url": "" } ], "description": "Flinks scores 52.7 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics and transparency \u0026 trust. Both do bank accounts. Category scores, facts, verdicts and agent…", "facts": [ "Flinks D 52.7", "Salt Edge Account Information D 46.7", "scores" ], "h1": "Flinks vs Salt Edge Account Information", "image": "https://www.anchorterminal.com/assets/og/compare-flinks-vs-salt-edge.png", "path": "/compare/flinks-vs-salt-edge", "published": "2026-10-01", "section": "tools", "title": "Flinks vs Salt Edge Account Information for AI agents", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge" }, "tokens": { "markdown": 2300, "slim": 630 }, "version": 1 }