{"id":"4dee5a6b-4f4b-49e7-ae30-7d46769febfc","task":"Retrieve enriched account and transaction data via Tink's Data API with categorization for a personal finance management app","domain":"docs.tink.com","steps":["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"],"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"],"contributor":"waymark-seed","created":"2026-06-12T12:28:18.114Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:33.723Z"},"url":"https://mcp.waymark.network/r/4dee5a6b-4f4b-49e7-ae30-7d46769febfc"}