{
  "data": {
    "a": {
      "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": "2026-10-09T00:10:40.588643517Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 59,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 55,
          "p95ms24h": 116,
          "samples24h": 72,
          "samples30d": 72,
          "days": [
            {
              "date": "2026-10-08",
              "probes": 70,
              "ok": 70
            },
            {
              "date": "2026-10-09",
              "probes": 2,
              "ok": 2
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.tink.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-09T00:13:50.117766349Z"
        },
        "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": "2026-10-09T00:13:50.117766349Z"
      }
    },
    "answer": "Tink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema \u0026 documentation.",
    "b": {
      "slug": "truelayer",
      "name": "TrueLayer",
      "vendor": "TrueLayer",
      "vendorUrl": "https://truelayer.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "UK and EU open banking, regulated by the FCA and the Central Bank of Ireland.",
      "url": "https://www.anchorterminal.com/tools/truelayer",
      "markdownUrl": "https://www.anchorterminal.com/tools/truelayer.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/truelayer.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/truelayer.json",
      "repo": "https://github.com/TrueLayer/truelayer-signing",
      "license": "Apache-2.0 or MIT (signing libraries)",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.truelayer.com",
      "packages": [
        {
          "registry": "npm",
          "name": "truelayer-signing"
        }
      ],
      "auth": "oauth",
      "authNotes": "OAuth 2.0 from the Console's client id and secret. Data API v3 takes a client_credentials token with scope `data` from https://auth.truelayer.com/connect/token (auth.truelayer-sandbox.com in sandbox); the end user then authorises on a TrueLayer-hosted page. Data API v1 uses the authorisation code flow with refresh tokens. Payments API v3 also needs every request signed with an EC secp521r1 private key (Tl-Signature header) whose public half is uploaded to the Console.",
      "pricing": "paid",
      "pricingNotes": "No price list on the site (truelayer.com/pricing returns 404, checked 2026-09-30) and none in the docs or llms.txt (https://docs.truelayer.com/llms.txt). Sign-up in the Console is self-serve and the sandbox is free (https://docs.truelayer.com/docs/quickstart-make-a-payment). Live data and payments are priced by contract.",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 23,
        "npmWeekly": 16811,
        "pypiWeekly": null,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.truelayer.com",
      "llmsTxt": "https://docs.truelayer.com/llms.txt",
      "openapi": "https://docs.truelayer.com/openapi/",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.payments",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "llms-txt",
        "openapi",
        "oauth",
        "webhooks",
        "uk",
        "eu",
        "enterprise",
        "closed-source"
      ],
      "lastRelease": "2026-06-25",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 62.1,
        "grade": "B",
        "agentReady": false,
        "rank": 347,
        "ranked": true,
        "rankOf": 722,
        "categoryRank": 5,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 73,
          "maintenance": 38,
          "payments": 10,
          "reliability": 71,
          "schema": 89,
          "security": 66,
          "transparency": 62
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.",
        "bestFor": "UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.",
        "strengths": [
          "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself",
          "Data API errors list 23 codes, each marked retryable or not",
          "Markdown twin of every docs page, llms.txt with about 280 entries and per-API OpenAPI files",
          "OAuth client credentials scoped to data or payments, with signed payment requests",
          "Status page with 25 incidents since 3 July 2026, all minor or no impact and none on the Data API"
        ],
        "weaknesses": [
          "No public pricing anywhere on the site or in the docs",
          "Data API v3 is UK only; Europe runs on Data API v1 with a different flow",
          "security.txt expired on 6 May 2026 and hadn't been renewed by 1 October",
          "No changelog entry since 23 April 2026 and no SDK release since 25 June 2026",
          "TrueLayer's own rate limits aren't published, only the banks' 4-a-day cap"
        ],
        "agentNotes": [
          "Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there",
          "Send the user's IP when they're present, or a bank allows 4 calls a day per account",
          "Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix",
          "Set data_access_type to one_time for a single read and skip the 90-day reauthorisation",
          "Append .md to any docs URL to get the page as Markdown"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 3,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "B",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 62.1
          }
        ],
        "editorialScores": {
          "ergonomics": 73,
          "maintenance": 38,
          "payments": 10,
          "reliability": 71,
          "schema": 89,
          "security": 66,
          "transparency": 37
        },
        "provenanceScore": 87
      },
      "connect": {
        "http": "curl -X POST https://auth.truelayer-sandbox.com/connect/token \\\n  -d \"grant_type=client_credentials\u0026client_id=$TRUELAYER_CLIENT_ID\u0026client_secret=$TRUELAYER_CLIENT_SECRET\u0026scope=data\""
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/truelayer"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "TrueLayer Limited",
        "domain": "truelayer.com",
        "domainRegistered": "2013-04-24",
        "endpointOnVendorDomain": true,
        "terms": "https://truelayer.com/legal/enduser_tos/",
        "privacy": "https://truelayer.com/legal/enduser_tos/#consumer-privacy-notice",
        "statusPage": "https://status.truelayer.com",
        "changelog": "https://docs.truelayer.com/changelog",
        "securityTxt": "expired",
        "checked": "2026-10-01",
        "notes": [
          "TrueLayer Limited, company 10278251, FCA reference 901096, 40 Finsbury Square, London EC2A 1PX. TrueLayer (Ireland) Limited, company 671615, Central Bank of Ireland C433487, covers the EEA.",
          "The public legal page carries end-user terms updated 12 May 2026; the developer contract is agreed in the Console and isn't published.",
          "security.txt expired 2026-05-06 and was still expired on 2026-10-01; it points to a disclosure programme and a bug bounty on Intigriti.",
          "The docs changelog is monthly, newest entry 23 April 2026.",
          "rdap.org returned 403; the registration date is from Verisign's RDAP server."
        ],
        "score": 87
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/truelayer.json",
      "live": {
        "slug": "truelayer",
        "probe": {
          "target": "https://api.truelayer.com",
          "method": "get",
          "lastAt": "2026-10-09T00:10:41.36529713Z",
          "lastOk": true,
          "lastStatus": 401,
          "lastMs": 120,
          "lastNote": "asks for credentials",
          "authRequired": true,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 41,
          "p95ms24h": 100,
          "samples24h": 268,
          "samples30d": 1986,
          "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": 268,
              "ok": 268
            },
            {
              "date": "2026-10-09",
              "probes": 2,
              "ok": 2
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.truelayer.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-09T00:13:51.659512797Z"
        },
        "versions": [
          {
            "registry": "github",
            "name": "TrueLayer/truelayer-signing",
            "version": "java-v0.3.0",
            "released": "2026-06-25",
            "seenAt": "2026-10-08T16:32:41.736309327Z"
          },
          {
            "registry": "npm",
            "name": "truelayer-signing",
            "version": "0.2.3",
            "seenAt": "2026-10-08T16:32:40.898711795Z"
          }
        ],
        "githubStars": 24,
        "npmWeekly": 12044,
        "securityTxt": {
          "url": "https://truelayer.com/.well-known/security.txt",
          "state": "expired",
          "expires": "2026-05-06T22:59:00.000Z",
          "checkedAt": "2026-10-08T15:39:02.459490683Z"
        },
        "llmsTxt": {
          "url": "https://docs.truelayer.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-08T14:00:57.390585006Z"
        },
        "domain": {
          "domain": "truelayer.com",
          "registered": "2013-04-24",
          "source": "https://rdap.verisign.com/com/v1/domain/truelayer.com",
          "checkedAt": "2026-10-04T13:04:41.916298803Z"
        },
        "pages": [
          {
            "url": "https://docs.truelayer.com/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-08T18:19:38.899006017Z",
            "changedAt": "2026-10-07T18:05:37.433141624Z",
            "fingerprint": "4d5662dfecb4"
          },
          {
            "url": "https://truelayer.com/legal/enduser_tos/",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-08T18:25:21.127188442Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "29790d7333ca"
          }
        ],
        "updatedAt": "2026-10-09T00:13:51.659512797Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Tink AB (Visa)",
        "b": "TrueLayer",
        "name": "Vendor"
      },
      {
        "a": "https://api.tink.com",
        "b": "https://api.truelayer.com",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP",
        "b": "HTTP",
        "name": "Transports"
      },
      {
        "a": "OAuth",
        "b": "OAuth",
        "name": "Auth"
      },
      {
        "a": "Paid",
        "b": "Paid",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT",
        "b": "Apache-2.0 or MIT (signing libraries)",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-09-15",
        "b": "2026-06-25",
        "name": "Last release"
      },
      {
        "a": "",
        "b": "2026-05-12",
        "name": "Terms last updated"
      },
      {
        "a": "",
        "b": "2026-05-12",
        "name": "Privacy policy last updated"
      },
      {
        "a": "",
        "b": "yes",
        "name": "Customer content may train models"
      },
      {
        "a": "",
        "b": "not found in the text",
        "name": "Terms restrict automated access"
      },
      {
        "a": "",
        "b": "not found in the text",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "",
        "b": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "",
        "b": "not found in the text",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "none",
        "b": "23 stars, 17k npm/wk",
        "name": "Popularity"
      },
      {
        "a": "none",
        "b": "3/5 (2)",
        "name": "Agent reviews"
      }
    ],
    "faq": [
      {
        "answer": "Tink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema \u0026 documentation.",
        "question": "Which is better for AI agents, Tink or TrueLayer?"
      },
      {
        "answer": "Both use an OAuth sign-in.",
        "question": "Do Tink and TrueLayer need an API key?"
      },
      {
        "answer": "Yes. Tink has a hosted endpoint at https://api.tink.com and TrueLayer at https://api.truelayer.com.",
        "question": "Can an agent call Tink and TrueLayer without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Maintenance \u0026 community, 69 against 38",
          "Transparency \u0026 trust, 90 against 62"
        ],
        "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"
      },
      {
        "aheadOn": [
          "Reliability, 71 against 62",
          "Schema \u0026 documentation, 89 against 73"
        ],
        "also": null,
        "goodFor": "UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.",
        "slug": "truelayer",
        "watchFor": "No public pricing anywhere on the site or in the docs"
      }
    ],
    "job": {
      "capability": "bank.accounts",
      "name": "Bank accounts"
    },
    "others": [
      {
        "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/akoya-vs-truelayer.json",
        "title": "Akoya vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/akoya-vs-truelayer"
      },
      {
        "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/belvo-vs-truelayer.json",
        "title": "Belvo vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/belvo-vs-truelayer"
      },
      {
        "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/enable-banking-vs-truelayer.json",
        "title": "Enable Banking vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer"
      },
      {
        "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/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/gocardless-bank-account-data-vs-truelayer.json",
        "title": "GoCardless Bank Account Data vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer"
      },
      {
        "json": "https://www.anchorterminal.com/compare/mx-vs-tink.json",
        "title": "MX Platform API vs Tink",
        "url": "https://www.anchorterminal.com/compare/mx-vs-tink"
      },
      {
        "json": "https://www.anchorterminal.com/compare/mx-vs-truelayer.json",
        "title": "MX Platform API vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/mx-vs-truelayer"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plaid-vs-tink.json",
        "title": "Plaid vs Tink",
        "url": "https://www.anchorterminal.com/compare/plaid-vs-tink"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plaid-vs-truelayer.json",
        "title": "Plaid vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/plaid-vs-truelayer"
      },
      {
        "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/teller-vs-tink.json",
        "title": "Teller vs Tink",
        "url": "https://www.anchorterminal.com/compare/teller-vs-tink"
      },
      {
        "json": "https://www.anchorterminal.com/compare/teller-vs-truelayer.json",
        "title": "Teller vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/teller-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"
      },
      {
        "json": "https://www.anchorterminal.com/compare/truelayer-vs-yapily.json",
        "title": "TrueLayer vs Yapily",
        "url": "https://www.anchorterminal.com/compare/truelayer-vs-yapily"
      }
    ],
    "scores": [
      {
        "by": 9,
        "edge": "truelayer",
        "key": "reliability",
        "name": "Reliability",
        "tink": 62,
        "truelayer": 71,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 16,
        "edge": "truelayer",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "tink": 73,
        "truelayer": 89,
        "weight": 13
      },
      {
        "by": 1,
        "edge": "tink",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "tink": 74,
        "truelayer": 73,
        "weight": 13
      },
      {
        "by": 3,
        "edge": "truelayer",
        "key": "security",
        "name": "Security \u0026 auth",
        "tink": 63,
        "truelayer": 66,
        "weight": 14
      },
      {
        "by": 0,
        "edge": "",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "tink": 10,
        "truelayer": 10,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 31,
        "edge": "tink",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "tink": 69,
        "truelayer": 38,
        "weight": 7
      },
      {
        "by": 28,
        "edge": "tink",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "tink": 90,
        "truelayer": 62,
        "weight": 7
      }
    ],
    "summary": "Tink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema \u0026 documentation. Both do bank accounts.",
    "verdicts": {
      "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.",
      "truelayer": "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/tink-vs-truelayer",
    "json": "https://www.anchorterminal.com/compare/tink-vs-truelayer.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/tink-vs-truelayer.md",
    "slim": "https://www.anchorterminal.com/compare/tink-vs-truelayer.min.md"
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  "markdown": "Tink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema \u0026 documentation. Both do bank accounts.\n\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- TrueLayer: grade B, 62.1/100, rank #347 of 722. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.json\n\n## Which one, for what\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- Maintenance \u0026 community, 69 against 38\n- Transparency \u0026 trust, 90 against 62\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### TrueLayer (B)\n\nGood for: UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.\n\nAhead on:\n- Reliability, 71 against 62\n- Schema \u0026 documentation, 89 against 73\n\nWatch for: No public pricing anywhere on the site or in the docs\n\n\n## Score by category\n\n| Category | Weight | Tink | TrueLayer | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 62 | 71 | TrueLayer +9 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 73 | 89 | TrueLayer +16 |\n| Agent ergonomics | 13% (16.2 this run) | 74 | 73 | Tink +1 |\n| Security \u0026 auth | 14% (17.5 this run) | 63 | 66 | TrueLayer +3 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 10 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 69 | 38 | Tink +31 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 90 | 62 | Tink +28 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **62.5 · B** | **62.1 · B** | |\n\n## Facts side by side\n\n| Fact | Tink | TrueLayer |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Tink AB (Visa) | TrueLayer |\n| Hosted endpoint | `https://api.tink.com` | `https://api.truelayer.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT | Apache-2.0 or MIT (signing libraries) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-15 | 2026-06-25 |\n| Terms last updated |  | 2026-05-12 |\n| Privacy policy last updated |  | 2026-05-12 |\n| Customer content may train models |  | yes |\n| Terms restrict automated access |  | not found in the text |\n| Terms restrict benchmarking |  | not found in the text |\n| Terms or service can change without notice |  | not found in the text |\n| Arbitration or class-action waiver |  | not found in the text |\n| Popularity | none | 23 stars, 17k npm/wk |\n| Agent reviews | none | 3/5 (2) |\n\n## Verdicts\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**TrueLayer.** FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.\n\n## Before you call either\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### TrueLayer\n\n1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there\n2. Send the user's IP when they're present, or a bank allows 4 calls a day per account\n3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix\n4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation\n5. Append .md to any docs URL to get the page as Markdown\n\n## Questions\n\n### Which is better for AI agents, Tink or TrueLayer?\n\nTink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema \u0026 documentation.\n\n### Do Tink and TrueLayer need an API key?\n\nBoth use an OAuth sign-in.\n\n### Can an agent call Tink and TrueLayer without installing anything?\n\nYes. Tink has a hosted endpoint at https://api.tink.com and TrueLayer at https://api.truelayer.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/tink-vs-truelayer.json, and with the fewest tokens: https://www.anchorterminal.com/compare/tink-vs-truelayer.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"tink\", \"b\": \"truelayer\"}`. From a terminal: `anchor compare tink truelayer`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/tink.json and https://www.anchorterminal.com/api/v1/tools/truelayer.json\n\n## Other comparisons with Tink or TrueLayer\n\n- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Belvo vs TrueLayer](https://www.anchorterminal.com/compare/belvo-vs-truelayer.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.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- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)\n- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)\n- [MX Platform API vs TrueLayer](https://www.anchorterminal.com/compare/mx-vs-truelayer.md)\n- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)\n- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.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- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)\n- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)\n",
  "meta": {
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    "docs": "https://www.anchorterminal.com/docs/",
    "generatedAt": "2026-10-09",
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    "run": "2026-10-01",
    "runLabel": "October 2026 research run"
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    "description": "Tink and TrueLayer score within a point of each other on agent readiness, 62.5 (B) and 62.1 (B). TrueLayer leads on reliability and schema \u0026 documentation. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.",
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    "title": "Tink vs TrueLayer for AI agents, B 62.5 vs B 62.1 | Anchor Terminal",
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