# Flinks MCP

> Flinks connects your AI client directly to real-time banking data from thousands of institutions. Use this MCP to verify financial health, automate KYC processes, and run deep transaction analysis for lending or accounting. It gives you immediate insights into account balances, income stability, spending patterns, and credit risk assessment.

## Overview
- **Category:** data-analytics
- **Price:** Free
- **Tags:** open-banking, financial-data, transaction-analysis, income-verification, fintech-api

## Description

Need to understand a user's true financial profile? This MCP connects your agent to live banking data, letting it pull full accounts details and recent transactions directly from multiple banks. You stop relying on old statements or manual uploads. Instead, you simply ask for an income analysis or spending breakdown, and the system retrieves verified numbers instantly.

For lenders doing loan underwriting, this means getting immediate credit risk insights, whether for a consumer or a business. Accountants can automate reconciliation by letting the agent categorize transactions automatically, spotting unusual activity in minutes rather than days. It's about turning complex financial data into simple answers through natural conversation. Because Vinkius hosts this MCP, you connect your preferred AI client once and gain access to this deep banking intelligence alongside thousands of other industry tools.

## Tools

### authorize_session
Authenticates your session and fetches any banking data that is already cached for faster retrieval.

### create_transaction
Creates a virtual EFT transaction, simulating either a debit or credit movement.

### delete_card
Permanently removes all data associated with a specific user account for compliance reasons.

### field_match
Compares customer details against bank records to verify identity and confirm accuracy.

### generate_authorize_token
Creates a temporary, single-use token that is valid for 30 minutes for secure data access.

### get_accounts_detail_async
Starts the process of gathering full account details when the information is not immediately available, requiring follow-up polling.

### get_accounts_detail
Retrieves complete account records, including transaction histories and KYC data, once processing is finished.

### get_accounts_summary
Gets a high-level overview of the user's general balances and current accounts.

### get_business_analysis_attributes
Pulls specialized financial metrics needed for underwriting business loans and assessing corporate creditworthiness.

### get_categorization
Processes raw transactions and returns a structured view of spending categories (e.g., Groceries, Utilities).

### get_income_attributes
Analyzes the data to provide verified insights into income stability and typical sources.

### get_statements
Retrieves original, bank-issued PDF statements specifically for Canadian users.

### get_user_analysis_attributes
Generates specific credit-risk metrics tailored for individual consumers.

### list_institutions
Provides a list of every financial institution that the Flinks system supports access to.

### set_scheduled_refresh
Allows you to enable or disable automatic nightly refreshing for a specific user account's data.

## Prompt Examples

**Prompt:** 
```
List all supported financial institutions in Canada.
```

**Response:** 
```
I've retrieved the list of institutions for Canada. Major ones include RBC Royal Bank, TD Canada Trust, and Scotiabank. Would you like the full list or details for a specific one?
```

**Prompt:** 
```
Analyze the income stability for the account linked to RequestId 'req_12345'.
```

**Response:** 
```
Using the `get_income_attributes` tool, I've analyzed the data. The user has a stable monthly income of approximately $4,500 from 'TechCorp Inc', with consistent deposits over the last 6 months.
```

**Prompt:** 
```
Get the categorized transactions for RequestId 'req_67890'.
```

**Response:** 
```
I've fetched the categorization data. Significant spending categories include 'Housing' (35%), 'Groceries' (15%), and 'Transportation' (10%). Would you like a detailed breakdown of the 'Groceries' category?
```

## Capabilities

### Check account details
Retrieve a user's current balances, transaction history, and general account summaries from connected financial institutions.

### Analyze income stability
Determine the consistency and source of an individual's monthly income using verifiable banking patterns.

### Assess credit risk
Fetch specific financial attributes to understand a customer's overall borrowing ability or business creditworthiness.

### Categorize spending
Automatically sort all recorded bank transactions into useful categories, showing where the money is actually going.

### Retrieve official statements
Fetch original bank-issued PDF documents for compliance and auditing purposes (Canada only).

## Use Cases

### Onboarding a new loan applicant
A lender needs to know if an applicant's declared income matches their actual spending habits. The agent first runs `get_accounts_summary` and then uses `get_income_attributes`. It cross-references the stated income against stable deposits, providing a verifiable risk score.

### Reconciling a client's books
An accountant needs to understand if a client is overspending in certain areas. The agent pulls raw transactions and runs `get_categorization`. It instantly shows that 'Entertainment' spending jumped 40% this month, flagging it for review.

### KYC check during sign-up
A fintech company must verify a user's identity and bank association. The agent uses `field_match` to compare the provided ID against the live bank data. If they match, the client is instantly cleared for onboarding.

### Underwriting a small business loan
The underwriter requires proof of corporate health beyond just tax returns. The agent uses `get_business_analysis_attributes` to pull key insights on creditworthiness, allowing them to make a faster, data-backed decision.

## Benefits

- Stop manually checking balances. You can use `get_accounts_summary` to pull general account details instantly, giving your agent a quick snapshot of the user's financial standing right away.
- Income verification used to take days of document handling. Now, you simply request income attributes using `get_income_attributes`, and the MCP analyzes stability from live banking data.
- Understanding spending is easier than ever. The `get_categorization` tool automatically sorts transactions into clear buckets like 'Housing' or 'Travel', eliminating manual spreadsheet work for accountants.
- Lending decisions are faster when you can access risk metrics instantly. You get consumer credit analysis via `get_user_analysis_attributes` and business insights using `get_business_analysis_attributes` in one query.
- Audit compliance is streamlined by the ability to fetch original documents. Use `get_statements` (Canada only) to pull verifiable, bank-issued PDFs directly into your workflow.

## How It Works

The bottom line is that you get instant access to deeply vetted banking information without having to manually log into multiple bank portals or process PDF statements.

1. Subscribe to the Flinks MCP, then provide your unique Instance ID, Customer ID, API Key, and Secret Key credentials.
2. Your AI client authenticates the connection, allowing it to pull necessary data using tools like `list_institutions` to find supported banks.
3. You prompt your agent with a query (e.g., 'What's their income stability?'), and the MCP executes the required tool, returning clean, actionable financial data.

## Frequently Asked Questions

**How does Flinks handle real-time transaction data?**
Flinks uses `get_accounts_detail` to pull live records. It supports asynchronous processing, meaning if the full data set isn't instantly available, it flags it and lets you poll for updates until everything is ready.

**Can Flinks verify income from international sources?**
The primary focus is on major financial institutions that support open banking protocols. You must check the `list_institutions` tool to confirm if your specific bank or country is supported by the MCP.

**Is Flinks suitable for basic account balance checks?**
Yes, you can use `get_accounts_summary` for a quick and reliable snapshot of general balances. This tool provides an immediate overview without needing deep transaction analysis.

**What is the difference between consumer and business credit risk?**
Use `get_user_analysis_attributes` for individual consumer credit metrics, or use `get_business_analysis_attributes` when assessing a company's financial stability and underwriting needs.

**Does Flinks require specific credential types?**
Yes. You must provide your Flinks Instance ID, Customer ID, API Key, and Secret Key to authenticate the connection before any tools can run.