{ "data": { "a": { "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" } }, "answer": "MX Platform API and Tink score within a point of each other on agent readiness, 62.5 (B) and 62.5 (B). Tink leads on transparency \u0026 trust.", "b": { "slug": "tink", "name": "Tink", "vendor": "Tink AB (Visa)", "vendorUrl": "https://tink.com", "kind": "http-api", "category": "banking-data", "summary": "Tink is a European open banking platform owned by Visa. Its REST API and hosted Tink Link flow read accounts, balances and transactions with the account holder's consent, and start bank payments.", "url": "https://www.anchorterminal.com/tools/tink", "markdownUrl": "https://www.anchorterminal.com/tools/tink.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/tink.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/tink.json", "repo": "https://github.com/tink-ab/tink-link-ios", "license": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "transports": [ "http" ], "remoteUrl": "https://api.tink.com", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 with a `client_id` and `client_secret` from the Tink Console, sent in the POST body to https://api.tink.com/api/v1/oauth/token. A client token lasts 30 minutes and carries only the scopes requested. Data calls need a user token, valid two hours, obtained through an authorisation grant for a Tink user or from the code Tink Link returns after bank consent. Mutual TLS is accepted as an alternative client authentication method. Console signup is self-serve for the sandbox. Live access is by sales contract, with customer due diligence when Tink's own licence is used.", "pricing": "paid", "pricingNotes": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and says listed prices apply only to existing customers (https://tink.com/pricing/, checked 2026-10-08). The FAQ says there is no pay-per-use option and that a free Console account gives test data in a sandbox (https://tink.com/faq/). No card is mentioned for signup. Fees are set in an order form and billed monthly in arrears under the MSA.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference introduction or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.tink.com", "llmsTxt": "https://docs.tink.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.payments", "bank.identity" ], "tags": [ "hosted", "oauth", "llms-txt", "webhooks", "sandbox", "eu", "uk", "enterprise", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-09-15", "graded": true, "anchor": { "graded": true, "score": 62.5, "grade": "B", "agentReady": false, "rank": 337, "ranked": true, "rankOf": 722, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 90 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.", "bestFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "strengths": [ "OAuth 2.0 client credentials with named scopes per endpoint, 30-minute client tokens and two-hour user tokens", "Master Service Agreement, DPA, four SLA documents and a sub-processor list with processing locations are public PDFs", "Data v2 list endpoints page with `pageSize` and `pageToken`, with date, account and status filters on transactions", "Changelog with 367 dated entries, three of them in the 90 days to 8 October 2026", "Free Console account with a Demo Bank covering test users in 18 countries" ], "weaknesses": [ "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option", "The API reference is a JavaScript app with the Swagger definitions inside its bundle. No downloadable spec was found", "Rate limits are per app with no published numbers, and a 429 carries no documented Retry-After", "A critical incident on 16 July 2026 stopped authentication, consent, account data and payment flows in all European markets for 62 minutes", "security.txt has a Policy line pointing to Visa's disclosure page and no Contact or Expires field" ], "agentNotes": [ "Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.", "Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.", "Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.", "Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.", "Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 62.5 } ], "editorialScores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 79 }, "provenanceScore": 100 }, "connect": { "http": "curl -X POST https://api.tink.com/api/v1/oauth/token \\\n -d \"client_id=$TINK_CLIENT_ID\" \\\n -d \"client_secret=$TINK_CLIENT_SECRET\" \\\n -d \"grant_type=client_credentials\" \\\n -d \"scope=authorization:grant,user:create\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/tink" }, "area": "domain-data", "provenance": { "legalEntity": "Tink AB", "domain": "tink.com", "domainRegistered": "1993-03-18", "endpointOnVendorDomain": true, "terms": "https://assets.ctfassets.net/c78bhj3obgck/4rs258WTPok62q9qrmFE1o/b68d1bcc13b5c118503ecffc8647a7d8/Tink_Master_Service_Agreement_2025-12-09.pdf", "privacy": "https://cdn.tink.se/legal/privacy-policy/en_UK/privacy-policy-en_UK-2601.pdf", "statusPage": "https://status.tink.com", "changelog": "https://docs.tink.com/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The Master Service Agreement (version 2025-12-09) names Tink AB, corporate registration number 556898-2192, Regeringsgatan 38, 111 56 Stockholm, and is governed by Swedish law. The legal FAQ says all customer use is governed by it.", "The legal FAQ lists Tink AB as a payment institution under the Swedish Financial Supervisory Authority (SFSA ID 44059), Tink Germany GmbH under BaFin (10152149) and Tink Financial Services Limited under the UK FCA (FRN 988456). Tink is a Visa company.", "The privacy link is the Visa Open Banking Privacy Notice for End-Users, effective 8 January 2026, which covers the bank data read through the product. A separate General Privacy Notice (effective 8 April 2025) covers website visitors and business contacts, and customer data is governed by the DPA of 1 October 2025.", "tink.com/.well-known/security.txt has a Canonical line and a Policy line pointing to Visa's vulnerability disclosure page, with no Contact or Expires field, both of which RFC 9116 requires. It is recorded as valid because the file is served, as with other listings whose file lacks Expires.", "The API answers at api.tink.com and Tink Link at link.tink.com. Legal PDFs are served from assets.ctfassets.net and cdn.tink.se.", "The changelog at docs.tink.com/changelog renders in JavaScript. We read its entries from the content feed the page itself requests. Verisign RDAP gives the domain registration date and MarkMonitor as registrar." ], "score": 100 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/tink.json", "live": { "slug": "tink", "probe": { "target": "https://api.tink.com", "method": "get", "lastAt": "2026-10-09T01:12:59.22921812Z", "lastOk": true, "lastStatus": 404, "lastMs": 48, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 54, "p95ms24h": 103, "samples24h": 83, "samples30d": 83, "days": [ { "date": "2026-10-08", "probes": 70, "ok": 70 }, { "date": "2026-10-09", "probes": 13, "ok": 13 } ] }, "vendorStatus": { "page": "https://status.tink.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-09T01:07:54.271989347Z" }, "pages": [ { "url": "https://docs.tink.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:36.318263547Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" }, { "url": "https://tink.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:25:14.991772397Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b875e338cc34" } ], "updatedAt": "2026-10-09T01:12:59.22921812Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "MX Technologies, Inc.", "b": "Tink AB (Visa)", "name": "Vendor" }, { "a": "https://api.mx.com", "b": "https://api.tink.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT", "b": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-29", "b": "2026-09-15", "name": "Last release" }, { "a": "no document linked", "b": "", "name": "Terms last updated" }, { "a": "no document linked", "b": "", "name": "Privacy policy last updated" }, { "a": "", "b": "", "name": "Customer content may train models" }, { "a": "", "b": "", "name": "Terms restrict automated access" }, { "a": "", "b": "", "name": "Terms restrict benchmarking" }, { "a": "", "b": "", "name": "Terms or service can change without notice" }, { "a": "", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "9 stars, 2.6k npm/wk, 2k PyPI/wk", "b": "none", "name": "Popularity" } ], "faq": [ { "answer": "MX Platform API and Tink score within a point of each other on agent readiness, 62.5 (B) and 62.5 (B). Tink leads on transparency \u0026 trust.", "question": "Which is better for AI agents, MX Platform API or Tink?" }, { "answer": "MX Platform API needs an API key. Tink uses an OAuth sign-in.", "question": "Do MX Platform API and Tink need an API key?" }, { "answer": "Yes. MX Platform API has a hosted endpoint at https://api.mx.com and Tink at https://api.tink.com.", "question": "Can an agent call MX Platform API and Tink without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 85 against 73", "Payments \u0026 pricing, 15 against 10" ], "also": null, "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" }, { "aheadOn": [ "Transparency \u0026 trust, 90 against 63" ], "also": null, "goodFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "slug": "tink", "watchFor": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "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/akoya-vs-tink.json", "title": "Akoya vs Tink", "url": "https://www.anchorterminal.com/compare/akoya-vs-tink" }, { "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/belvo-vs-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-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/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-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-tink.json", "title": "Flinks vs Tink", "url": "https://www.anchorterminal.com/compare/flinks-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-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/gocardless-bank-account-data-vs-tink.json", "title": "GoCardless Bank Account Data vs Tink", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-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-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" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-tink.json", "title": "Plaid vs Tink", "url": "https://www.anchorterminal.com/compare/plaid-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-tink.json", "title": "Salt Edge Account Information vs Tink", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-tink.json", "title": "Teller vs Tink", "url": "https://www.anchorterminal.com/compare/teller-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-truelayer.json", "title": "Tink vs TrueLayer", "url": "https://www.anchorterminal.com/compare/tink-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json", "title": "Tink vs Yapily", "url": "https://www.anchorterminal.com/compare/tink-vs-yapily" } ], "scores": [ { "by": 1, "edge": "mx", "key": "reliability", "mx": 63, "name": "Reliability", "tink": 62, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 12, "edge": "mx", "key": "schema", "mx": 85, "name": "Schema \u0026 documentation", "tink": 73, "weight": 13 }, { "by": 0, "edge": "", "key": "ergonomics", "mx": 74, "name": "Agent ergonomics", "tink": 74, "weight": 13 }, { "by": 3, "edge": "tink", "key": "security", "mx": 60, "name": "Security \u0026 auth", "tink": 63, "weight": 14 }, { "by": 5, "edge": "mx", "key": "payments", "mx": 15, "name": "Payments \u0026 pricing", "tink": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 2, "edge": "mx", "key": "maintenance", "mx": 71, "name": "Maintenance \u0026 community", "tink": 69, "weight": 7 }, { "by": 27, "edge": "tink", "key": "transparency", "mx": 63, "name": "Transparency \u0026 trust", "tink": 90, "weight": 7 } ], "summary": "MX Platform API and Tink score within a point of each other on agent readiness, 62.5 (B) and 62.5 (B). Tink leads on transparency \u0026 trust. Both do bank accounts.", "verdicts": { "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.", "tink": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/mx-vs-tink", "json": "https://www.anchorterminal.com/compare/mx-vs-tink.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/mx-vs-tink.md", "slim": "https://www.anchorterminal.com/compare/mx-vs-tink.min.md" }, "markdown": "MX Platform API and Tink score within a point of each other on agent readiness, 62.5 (B) and 62.5 (B). Tink leads on transparency \u0026 trust. Both do bank accounts.\n\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- Tink: grade B, 62.5/100, rank #337 of 722. Markdown https://www.anchorterminal.com/tools/tink.md · JSON https://www.anchorterminal.com/api/v1/tools/tink.json\n\n## Which one, for what\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- Schema \u0026 documentation, 85 against 73\n- Payments \u0026 pricing, 15 against 10\n\nWatch for: No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard\n\n### Tink (B)\n\nGood for: A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.\n\nAhead on:\n- Transparency \u0026 trust, 90 against 63\n\nWatch for: No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option\n\n\n## Score by category\n\n| Category | Weight | MX Platform API | Tink | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 63 | 62 | MX Platform API +1 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 85 | 73 | MX Platform API +12 |\n| Agent ergonomics | 13% (16.2 this run) | 74 | 74 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 60 | 63 | Tink +3 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 15 | 10 | MX Platform API +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 71 | 69 | MX Platform API +2 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 63 | 90 | Tink +27 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **62.5 · B** | **62.5 · B** | |\n\n## Facts side by side\n\n| Fact | MX Platform API | Tink |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | MX Technologies, Inc. | Tink AB (Visa) |\n| Hosted endpoint | `https://api.mx.com` | `https://api.tink.com` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-29 | 2026-09-15 |\n| Terms last updated | no document linked | |\n| Privacy policy last updated | no document linked | |\n| Customer content may train models | | |\n| Terms restrict automated access | | |\n| Terms restrict benchmarking | | |\n| Terms or service can change without notice | | |\n| Arbitration or class-action waiver | | |\n| Popularity | 9 stars, 2.6k npm/wk, 2k PyPI/wk | none |\n\n## Verdicts\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**Tink.** OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.\n\n## Before you call either\n\n### 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### Tink\n\n1. Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.\n2. Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.\n3. Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.\n4. Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.\n5. Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.\n\n## Questions\n\n### Which is better for AI agents, MX Platform API or Tink?\n\nMX Platform API and Tink score within a point of each other on agent readiness, 62.5 (B) and 62.5 (B). Tink leads on transparency \u0026 trust.\n\n### Do MX Platform API and Tink need an API key?\n\nMX Platform API needs an API key. Tink uses an OAuth sign-in.\n\n### Can an agent call MX Platform API and Tink without installing anything?\n\nYes. MX Platform API has a hosted endpoint at https://api.mx.com and Tink at https://api.tink.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/mx-vs-tink.json, and with the fewest tokens: https://www.anchorterminal.com/compare/mx-vs-tink.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"mx\", \"b\": \"tink\"}`. From a terminal: `anchor compare mx tink`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/mx.json and https://www.anchorterminal.com/api/v1/tools/tink.json\n\n## Other comparisons with MX Platform API or Tink\n\n- [Akoya vs MX Platform API](https://www.anchorterminal.com/compare/akoya-vs-mx.md)\n- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Belvo vs MX Platform API](https://www.anchorterminal.com/compare/belvo-vs-mx.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Enable Banking vs MX Platform API](https://www.anchorterminal.com/compare/enable-banking-vs-mx.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Flinks vs MX Platform API](https://www.anchorterminal.com/compare/flinks-vs-mx.md)\n- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)\n- [GoCardless Bank Account Data vs MX Platform API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.md)\n- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)\n- [MX Platform API vs 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 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- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)\n- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n", "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": "MX Platform API vs Tink", "url": "" } ], "description": "MX Platform API and Tink score within a point of each other on agent readiness, 62.5 (B) and 62.5 (B). Tink leads on transparency \u0026 trust. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "MX Platform API B 62.5", "Tink B 62.5", "scores" ], "h1": "MX Platform API vs Tink", "image": "https://www.anchorterminal.com/assets/og/compare-mx-vs-tink.png", "path": "/compare/mx-vs-tink", "published": "2026-10-01", "section": "tools", "title": "MX Platform API vs Tink for AI agents, B 62.5 vs B 62.5", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/mx-vs-tink" }, "tokens": { "markdown": 2200, "slim": 580 }, "version": 1 }