Choose a platform. Lose the tools.
Flinks delivers a complete embedded finance platform with reliable connectivity, deep enrichment, document processing, and fraud verification built for financial decisioning.
Trusted by leading financial institutions and innovators
When a point solution isn’t enough
Chirp provides instant bank verification, balance checks, and access to raw transaction data. For basic use cases or simple data retrieval, that may be enough. But most modern financial experiences require more. Teams need structured financial attributes, deeper income and cash flow insights, document upload support, and fraud protection built directly into the workflow.
They need one platform, not more tools.
They need one platform, not more tools.
The Flinks difference
RELIABILITY & COVERAGE
Built to connect, every time
Flinks delivers high-reliability connectivity across 15,000+ financial institutions in North America, with strong performance across both the U.S. and Canada. Fewer drop-offs mean more completed workflows from the start.
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INTELLIGENCE
Go beyond raw data
Chirp surfaces balances and raw transaction history. Flinks turns financial data into structured, decision-ready intelligence with 4,500+ enriched attributes covering income, cash flow trends, liabilities, NSF events, overdrafts, and more. Data is normalized and delivered in a consistent format, making it easy to support underwriting, risk assessment, and automated decisioning.
DOCUMENT PROCESSING
More flexibility for your customers
When users prefer not to link their bank accounts, Flinks offers document upload as a fallback. Bank statements and void cheques can be uploaded, parsed, and structured in near real time to keep applications moving without friction.
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FRAUD VERIFICATION
Verify documents with built-in fraud protection
AI-powered document fraud detection, trained on 100M+ documents, helps teams verify information instantly and detect up to 3x more fraud than manual reviews.
Flinks vs Chirp at a glance
Connectivity
High-reliability connectivity across 15,000+ financial institutions in North America, with strong performance in both the U.S. and Canada.
Underwriting
4,500+ enriched financial attributes that support underwriting, risk assessment, and decisioning.
Income verification
Detailed insights into income sources, consistency, and cash flow trends backed by enriched transaction data.
Document processing
End users can upload financial documents, with data extracted and structured automatically.
Fraud detection
AI-powered document fraud detection for bank statements and void cheques, trained on 100M+ documents.
Chirp
Onboarding
Broad connectivity across U.S. financial institutions, with more limited coverage and consistency outside the U.S.
Underwriting
Raw transaction data and balances without enrichment or decision-ready attributes.
Income verification
Basic income verification without deeper analysis.
Chirp doesn’t support document upload and processing.
Chirp doesn’t support document fraud verification.
Built for your success
Exceptional customer experience
Onboarding in days, responsive service, and a team that stays close well beyond implementation.
Intuitive dashboard
For customers who aren’t API-ready, Flinks provides a ready-to-use dashboard that makes setup fast and easy.
Simple pricing
A streamlined pricing model that keeps costs predictable and scalable for companies of all sizes.
What our customers say about us
“With Flinks we’re able to onboard thousands of clients daily in a matter of minutes, making a complex process as simple and frictionless as possible.”
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“With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.”
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“Files are securely transferred from our front-end, which powered by Flinks, to our document repository system for safe-keeping. It has made things a lot easier for our clients.”
Read case study
“With Flinks we’re able to onboard thousands of clients daily in a matter of minutes, making a complex process as simple and frictionless as possible.”
Read case study
“With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.”
Read case study
“Files are securely transferred from our front-end, which powered by Flinks, to our document repository system for safe-keeping. It has made things a lot easier for our clients.”
Read case study
Build on more than raw data
Flinks delivers structured financial intelligence, document processing, and fraud verification in one platform.
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