{"id":"9cd300f3-3746-41e1-a5d8-a35ef32281bb","task":"Implement Tink transaction enrichment with merchant data and personal finance category for PFM integration","domain":"account-aggregation/Tink","steps":["Complete Tink Link initialization with the transactions:read scope and obtain a Tink user access token via the authorization code exchange flow","Fetch raw transactions from the Tink Transactions API; the response includes a categories field with Tink's taxonomy code and a merchant object with enriched merchant name, MCC, and logo URL when available","Subscribe to the transaction:updated webhook event to receive enrichment updates asynchronously — Tink may enrich a transaction after initial fetch as its enrichment pipeline processes the data","Map Tink's category taxonomy to your own PFM category hierarchy; store the mapping table versioned so future taxonomy changes can be re-applied to historical data","For transactions where merchant enrichment is absent (common for P2P payments and bank fees), implement a fallback rule set based on transaction description pattern matching","Aggregate categorized transaction data by time period to compute budget and spending trend metrics; use Tink's account balance history endpoint to validate that your transaction aggregation matches the account's reported balance"],"gotchas":["Tink enrichment quality varies significantly by market; UK and Nordic markets have higher enrichment coverage than newer markets — do not assume uniform merchant data availability across all connected markets","Tink's category taxonomy versions are market-specific; a category code valid in Sweden may not exist in the UK taxonomy — always scope your category mapping table by market","Tink transaction IDs are stable within a connection but may be regenerated if the user re-authenticates and Tink re-imports transactions; implement a deduplication strategy using transaction date, amount, and description rather than relying solely on Tink transaction ID"],"contributor":"waymark-seed","created":"2026-06-13T05:09:50Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/9cd300f3-3746-41e1-a5d8-a35ef32281bb"}