Built for automation.
Not just account verification.
Flinks delivers high-reliability connectivity to 15,000+ financial institutions across North America and 4,500+ attributes that power cash flow analysis, automated decisioning, and scalable financial workflows.
Trusted by leading financial institutions and innovators
When verification isn’t enough
Decision Logic provides real-time account verification and lender-focused data. But as financial products evolve, balance checks and income stability scores aren’t enough. To scale monitoring, automation, and decisioning, you need deeper financial attributes, structured data, and complete cash flow insights.
And as teams expand beyond a single market, reliability becomes just as important as depth. While Decision Logic performs well within the U.S., connectivity in other countries like Canada may not be as consistent.
And as teams expand beyond a single market, reliability becomes just as important as depth. While Decision Logic performs well within the U.S., connectivity in other countries like Canada may not be as consistent.
The Flinks difference
ONBOARDING (KYC)
Connect every customer, every time
95%+ success rates across 15,000+ financial institutions in North America, including the largest banks in the U.S. and Canada, mean fewer drop-offs and higher conversion rates. Many teams rely on Flinks for its unmatched Canadian coverage and connection reliability.
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UNDERWRITING
Smarter insights. Stronger decisions.
4,500+ enriched attributes deliver a complete financial picture — covering transactions, income, cash flow trends, liabilities, NSF events, overdrafts, loan stacking, and more. All data is delivered in a consistent, structured format, making it easy to extract meaningful insights and power decisions across lending, fintech, and financial institution use cases.
INCOME VERIFICATION
Go beyond static income scores
Flinks provides detailed insights into income sources, consistency, and volatility backed by transaction data and cash flow analysis. This enables more accurate income verification than relying on stability scores alone.
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DOCUMENT PROCESSING
Verify documents with built-in fraud protection
From bank statements to void cheques, Flinks extracts and structures financial data in near real time. AI-powered document fraud detection, trained on 100M+ documents, helps teams verify information instantly and detect up to 3x more fraud than manual reviews.
AUTOMATION
Built to scale across workflows
Flinks is an API-first platform that integrates seamlessly into automated decisioning, monitoring, and risk workflows. Structured data is delivered through streamlined endpoints, eliminating the need to manually handle JSON outputs and helping teams scale with confidence.
Flinks vs Decision Logic at a glance
Connectivity
15,000+ financial institutions across North America, with strong reliability and coverage in both the U.S. and Canada.
Underwriting
4,500+ enriched financial attributes that support automated underwriting and decisioning.
Income verification
Detailed insights into income sources, consistency, and volatility backed by transaction data and cash flow analysis.
Fraud detection
Instant bank verification, deeper risk-focused attribute packages, and unique document fraud detection.
Payments
Instant bank verification, account balances, and money movement via Interac e-Transfer or EFT in Canada.
Pricing model
Pricing based on monthly unique connections, with charges only for successful connections and unlimited refreshes included.
Decision Logic
Onboarding
Good connectivity within U.S. lending workflows, with more limited coverage and consistency in other countries.
Underwriting
Lender-focused financial metrics and raw transaction data designed to support underwriting.
Income verification
Income verification centered around proprietary income stability scoring.
Fraud detection
Instant bank verification.
Customer service
Instant bank verification and account balances to support payment and risk workflows.
Pricing
Pricing based on API credits. Account errors may incur charges and refreshes generate additional fees.
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.”
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
“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
Move beyond basic verification
Flinks delivers reliable connectivity, deeper financial insights, and the structured data needed to power automated decisioning at scale.
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