Create a Tink Link session by POST /api/v1/oauth/authorization-grant/delegate with your actor_client_id and the user's external_user_id; receive a code to exchange for a user access token
Initiate account connection by constructing the Tink Link URL with the user's authorization_code, market (e.g., GB, SE, DE), and the accounts:read and transactions:read scopes; redirect the user to complete Open Banking consent at their bank
After the user returns, exchange the authorization_code for a user access_token via POST /api/v1/oauth/token
Call GET /api/v1/accounts to list connected accounts; each account includes balances (booked and available) in minor currency units and the account's providerName
Fetch transactions via GET /api/v1/transactions with accountId, dateRangeFrom, and dateRangeTo query parameters; each transaction includes descriptions, amount, and a categoryId mapped to Tink's categorization taxonomy
Resolve category names by calling GET /api/v1/categories?locale=en_US to retrieve the full category tree; cache this response as categories are stable across requests
Known gotchas
Tink's transaction categorization taxonomy and category IDs differ by market; a category ID valid for Swedish (SE) transactions is not the same as the equivalent category in UK (GB) — always resolve category IDs against the market-specific category tree
Account balances returned by Tink are refreshed at connection time and when you trigger a refresh; stale balances are common for users who connected days ago — call POST /api/v1/credentials/{credentialsId}/refresh before reading balances for time-sensitive use cases
Tink VRP/recurring payments are only available for UK institutions; in EU markets, Tink's payment initiation is single-payment PIS only — do not present recurring payment options to EU users via Tink
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp