Founded
in2012 and headquartered in Stockholm, Sweden (Vasagatan 11, 111 20). Stockholm, Sweden）。
Regulatory
InformationTink is regulated by the Swedish Financial Supervisory Authority (Finansinspektionen) as an authorized payment institution, providing Account Information Services (AIS) and Payment Origination Services (PIS), in compliance with PSD2 requirements, with an undisclosed license number. Its business involves financial data aggregation and payment origination, and may be potentially subject to the Financial Crimes Enforcement Network (FinCEN) in the United States, the European Union's Regulatory Framework for Cryptoassets (MiCA) or the Financial Conduct Authority (FCA) in the United Kingdom, but did not disclose whether it is registered as a virtual asset service provider (VASP). The platform declares that data security is ensured through encryption technology and ISO 27001 certification (Information Security Management System), compliance with GDPR (General Data Protection Regulation) and PSD2 data standards, and data is transmitted via the OAuth 2.0 protocol. Smart contracts are not involved, data processing is done through cloud APIs, and third-party auditors are not disclosed. The Company implements KYC (Know Your Customer) and AML (Anti-Money Laundering) measures through account verification and payment processes, in line with the Financial Action Task Force (FATF) Guidance, which is not disclosed. Tink does not hold customer assets directly, and data and payments are processed through bank accounts authorized by users.
The public information confirms that Tink is registered as an authorized payment institution in Sweden and further complies with the regulatory requirements of the DACH region (Germany, Austria, Switzerland) following the acquisition of FinTecSystems in Germany on May 18, 2021. The Company declares that it is the user's own responsibility to assess the risks of the Data-Driven Service and that Tink does not provide investment advice. In 2022, following the acquisition of Visa, Tink's compliance responsibilities were managed in part by Visa, which is regulated by the U.S. Securities and Exchange Commission (SEC) (NYSE-listed company, ticker symbol V). As of June 24, 2025, no regulatory warnings or penalties have been recorded against Tink, and the compliance status is stable.
Trading
ProductsTink does not directly provide financial trading products, but instead supports data-driven financial services through open banking APIs. Specific products include:
Account Information: In 2025, it will aggregate account data (such as balances, transaction history) of 6,000+ European banks to support credit evaluation and financial management, and will be launched in 2012, covering 3,400 banks in 2023 and expanding to 6,000 in 2025.
Payment Initiation: In 2025, users will be able to initiate account-to-account (A2A) payments via API, supporting real-time and recurring payments (VRP), with support for both real-time and recurring payments (VRP), launched in 2012, and on May 28, 2025, with Adyen enabling Pay by Bank for Vodafone customers in Germany.
Data Enrichment: Available in 2025 to provide transaction classification and financial insights to support personalized financial products, starting in 2012.
Account Check: Launched in 2025 to reduce the risk of fraud by verifying account holders, numbers, and balances.
The trading category focuses on financial data and payment services, and does not involve foreign exchange, CFDs or crypto assets. Serving both institutional customers (banks, FinTech, start-ups, payment providers) and retail users (through customer applications), with a focus on data-driven and seamless experiences. In 2023, the company claims to serve 300+ banks and FinTech, covering 25 million+ bank customers, and reaching tens of billions of data processing volumes in 2025, without disclosing the specific transaction volume. As of June 24, 2025, the data has not been publicly updated.
Trading
SoftwareTink's core trading software is its open banking platform, providing data aggregation and payment initiation capabilities through a single API. The specific user interface includes:
Tink Open Banking Platform: 2025, cloud platform, based on Web3.js and REST API, supporting data aggregation, payment origination and account verification for 6000+ banks, providing real-time data views and transaction history, launched in 2012, optimized for multi-market support in 2025 (18 European markets).
Tink SDKs: In 2025, iOS, Android, and Web SDKs will be available to simplify customer application integration, support authentication flows, and data access, with launch in 2012 and optimization in 2024.
Tink Console: 2025, web management tool, showing API usage, statistics, and customer integration status, enabled in 2012, updated in 2023.
Blockchain explorer integration: In 2025, there will be no direct integration of the blockchain, and the data will be accessed through the bank API, and no public ledger will be involved.
API support: In 2025, a REST API will be provided to support account information, payment initiation, and data augmentation, which will be enabled in 2012, and the OAuth 2.0 protocol will be optimized in 2024.
The software supports English, Swedish and other interfaces, ensures data security through banking APIs and OAuth 2.0, and users need to access through customer applications (such as PayPal, Revolut), focusing on developer friendliness and compliance. The technology stack includes Web3.js, Node.js, OAuth 2.0, and cloud architecture (AWS). In 2023, the platform is ISO 27001 and SOC 2 certified, with no third-party auditors disclosed. As of June 24, 2025, the platform functions are operating normally.
Deposit and withdrawal
methodsTink does not provide direct deposit and withdrawal services, and payments are processed through customer bank accounts and third-party payment channels. The process includes:
Deposit (payment origination): In 2025, users will initiate A2A payments through the Tink API and transfer funds from a bank account (e.g., Pay by Bank) to pay bank processing fees (undisclosed rates). Payments through customer apps such as Revolut and PayPal will be available from 2012 and Vodafone Germany customers on May 28, 2025.
Withdrawals (payment withdrawals): In 2025, users will be able to withdraw funds to a bank account via the customer app with an instant or 1-2 business day processing time and bank processing fees (undisclosed rates), which will be available from 2012 onwards.
Service fees: In 2025, Tink will charge enterprise customers for API usage (based on data volume or transaction volume, undisclosed rates), and retail users will pay through customer apps, which will be enabled from 2012 onwards.
The payment process relies on bank APIs and customer systems, Tink does not directly custodian assets, and data is stored in banks or accounts controlled by customers. In 2023, customers (e.g. PayPal, BNL) reported a seamless payment experience with no payment issues. As of June 24, 2025, no payment-related complaints have been identified.
Customer
SupportTink empowers institutional clients (banks, FinTech, start-ups) through support centers, social media, and industry events. Specific support includes:
Technical Support: 2025, FAQs, API integration guides, payment initiation tutorials, and data enhancement instructions available through the Support Center, updated in 2024.
Community Engagement: In 2025, by posting stories via LinkedIn (57,579 followers), Twitter, and industry summits (e.g., BNL Multi-Bank Feature, Vodafone Pay by Bank), participating in the Merchant Payments Ecosystem (MPE 2024) in March 2024, and participating in FFCON23 on April 17, 2023, engaging hundreds of participants.
Feedback processing: In 2025, respond to API, payment and data issues in real-time via email and Telegram, optimize response times in 2024, customer service is available 24/7 with an average response time of several hours.
In 2023, the company claims to serve 300+ banks and FinTech, covering 25 million+ bank customers, and supports PayPal, Revolut, etc. in 2025, without disclosing the specific customer size. As of June 24, 2025, the support channel is active.
Core Business &
ServicesTink's core business is an open banking platform that provides data-driven financial services through APIs to institutional customers (banks, FinTech, startups, payment providers) and retail users (through customer applications). Its main business areas include:
Account Information: In 2025, it will aggregate the account data of 6,000+ banks to support credit assessment, account verification and financial management, and will be launched in 2012.
Payment Initiation: In 2025, A2A and VRP will be supported to simplify the payment process, and will be launched from 2012 onwards, with Pay by Bank for Vodafone German customers on May 28, 2025.
Data Enrichment: Deal categorization, risk signals, and financial insights for personalization in 2025, Risk Signals in 2023, and Adyen in 2024.
Personal Financial Management (PFM): Supporting clients in developing financial management tools (e.g. An Post's Money Manager) in 2025 and launching from 2012.
Account Check: Launched in 2025 to reduce the risk of fraud by verifying account holders and balances.
The operating model is centered around a cloud-based API platform, engaging customers with PSD2 licensing, low-cost integrations, and data-driven services. Differentiating benefits include 6,000+ bank connections, ISO 27001 certification, integration with Visa, and serving 300+ financial customers. In 2023, Tink will support 10,000+ developers and process tens of billions of data transactions in 2024.
Technology
InfrastructureTink's technology infrastructure is based on a cloud-based architecture that combines Web3.js, Node.js, OAuth 2.0, and AWS to optimize data aggregation and payment origination. Specifically, it includes:
Cloud platform: In 2025, based on AWS, it will provide data aggregation and payment initiation for 6000+ banks, which will be launched in 2012 and optimize performance in 2024.
API Architecture: 2025 with account information, payment origination, and data augmentation via REST API and OAuth 2.0, enabled in 2012 and optimized in 2024.
Tink SDKs: 2025 with support for iOS, Android, and web, simplifying customer application integration, enabling from 2012, and optimizing the authentication flow in 2024.
Tink Console: 2025, based on Node.js, displays API usage and statistics, enabled in 2012, updated in 2023.
Data encryption: End-to-end encryption and HSTS in 2025, GDPR and ISO 27001 compliant, with 2012 enabled.
Tech stack: Optimize performance with Web3.js, Node.js, OAuth 2.0, and AWS in 2025.
Open Source Contributions: In 2025, GitHub repositories are not public, and the technology is proprietary.
Technology ensures data security and reliability with banking APIs, OAuth 2.0, and ISO 27001 certifications. In 2023, the acquisition of FinTecSystems will optimize DACH regional connectivity, and in 2024, the multi-bank data synchronization problem will be solved. As of June 24, 2025, the infrastructure is operating normally.
Compliance & Risk Control
SystemTink's compliance system is based on the PSD2 license of the Swedish Financial Supervisory Authority, ISO 27001 and SOC 2 certification, and data processing is limited to financial data and payment records in 2025. The risk control system includes:
Data validation: In 2025, data integrity will be verified through bank APIs and OAuth 2.0, and it will be implemented from 2012.
Non-custodial model: In 2025, customer assets will not be held directly, and data and payments will be processed by banks, reducing platform risks.
KYC/AML: In 2025, KYC/AML will be implemented through bank verification, in line with PSD2 and FATF requirements, and the specific process is not disclosed.
Data encryption: In 2025, end-to-end encryption and HSTS will be adopted to protect data privacy and comply with GDPR and ISO 27001.
Risk Signals: In 2025, the rules engine will detect fraud and unusual transactions, and in 2023 it will be enabled for Adyen to reduce payment risk.
Compliance framework: In 2025, support for multi-market regulation (e.g., SPAA scheme, EU digital identity wallet) through Visa's compliance system, which will be launched from 2023.
Risk control focuses on data security, fraud prevention, and compliance. In 2023, the platform was ISO 27001 and SOC 2 certified, and there were no compliance complaints. As of June 24, 2025, no major risk events have been found, and the compliance status is stable.
Market Positioning and Competitive
AdvantageTink is positioned as an open banking platform targeting institutional customers (banks, FinTech, start-ups, payment providers) and retail users (through customer applications), which is suitable for scenarios that pursue data-driven financial services. Its competitive advantages include:
6,000+ bank connections: In 2025, it will cover 18 European markets and connect 3,400 banks (in 2023) to 6,000, which is better than a single market platform.
Visa Integration: In 2025, as a wholly owned subsidiary of Visa, it will be supported by global resources and enhanced market trust, and launched in June 2022.
Low-cost integration: Reduce development costs and time-to-market with a single API and SDK by 2025.
Risk Signals: In 2025, the rules engine will support real-time fraud detection, which is better than traditional risk models, and will be launched in 2023.
Multi-product suite: By 2025, account information, payment origination, data enhancement, and PFM will be available to meet diverse needs.
Customer Support &
EnablementTink empowers customers with educational resources, support centers, and industry events. Technical and API tutorials are available in its support center, updated in 2024. Customer enablement includes:
Technical Tutorial: 2024 with API Integration, Payment Initiation, Account Validation, and Data Augmentation Guides, updated in 2024.
Community Engagement: In 2025, publish stories through LinkedIn, Twitter, and industry summits (e.g., BNL Multi-Bank Feature, NatWest Digital Spending), participate in MPE 2024 in March 2024, and participate in FFCON23 in April 2023, attracting hundreds of participants.
Customer support: In 2024, 24/7 live guidance via email and Telegram, response times are hours, and customer feedback support (e.g. PayPal, Revolut) is efficient.
In 2023, the company claims to support 10,000+ developers, serve 300+ banks and FinTech, and support BNL, Vodafone, etc. in 2025, without disclosing the specific customer size. As of June 24, 2025, customer support is active.
Social Responsibility & ESG
Tink's mission is to improve the accessibility and efficiency of financial services through open banking APIs. In 2025, the platform is based on the AWS cloud architecture, energy consumption optimization, and no specific carbon offset measures are disclosed.
In terms of social responsibility, open banking knowledge will be promoted through blogs and industry events in 2025, and articles on risk signals and payment origination will be published in 2023 to attract industry players. In 2023, Tink supported financial inclusion initiatives such as LGBTQIA+ FinTech education, and in 2024, it won the Celent Model Bank 2022 Award for providing technology for NatWest's Digital Spending feature. The company claims to improve the user experience through data-driven services, but does not disclose specific data. As of June 24, 2025, no specific ESG reports were disclosed.
Strategic PartnershipEcosystem
Tink's strategic cooperation includes:
Visa: On June 28, 2022, it acquired Tink for $2.2 billion to provide global resource support.
PayPal: In 2020, strategically invested and expanded commercial agreements to EEA countries, supporting A2A payments, renewed in 2023.
Adyen: On May 28, 2025, the partnership launched Vodafone Germany's Pay by Bank to enhance payment conversion rates.
BNL: In 2023, we will launch a multi-bank function to support 2.5 million customers, and continue to cooperate in 2025.
FinTecSystems: On May 18, 2021, it acquired the German Open Banking Platform to enhance DACH regional connectivity and serve N26, DKB, and others.
Sopra Banking Software: In 2023, partnering to provide open banking solutions covering 1,500 financial institutions.
In 2025, cooperation is active.
Financial health:
Tink's financial health is based on multiple financings and Visa acquisitions. Specific financing includes:
January 2020: Series C financing of 90 million euros, led by Dawn Capital, HMI Capital, etc.
December 2020: Series D financing of 85 million euros, led by Eurazeo Growth, Dawn Capital, and others.
January 2021: Series D expansion financing of 85 million euros, invested by Eurazeo Growth, Dawn Capital and others.
2025: Series D expansion of €103 million (€85 million), with investments from Eurazeo Growth, Dawn Capital, and others, valued at $824 million.
June 28, 2022: Acquired by Visa for $2.2 billion.
Revenue streams include API usage fees (based on data volume or transaction volume, undisclosed rates) and enterprise customer subscription fees. In 2023, revenue is estimated at $15 million (based on a 500-person team and market size). In 2022, after the acquisition by Visa, Tink's financial data was merged into Visa (with annual revenue of about $23 billion in 2024). As a wholly owned subsidiary of Visa, it does not disclose its financial statements independently, limiting health assessments. As of June 24, 2025, no financial crisis reports have been found.
Future
RoadmapTink's future roadmap is not clearly disclosed, but may include:
Technology upgrades: In 2025, plans to optimize the API platform to support more banks (more than 6,000) and emerging markets.
Service expansion: In 2025, more payment features (such as instant payments) and risk management tools are planned.
Market expansion: In 2025, the company plans to deepen the DACH and Southern European markets and expand into Asia.
Enhanced compliance: In 2025, plans to support the EU Instant Payment Regulation and the EU Digital Identity Wallet.
Ecosystem development: Promote open banking through industry summits and developer communities by 2025.
In 2023, it acquired FinTecSystems, and in 2025, it launched Risk Signals and Pay by Bank to optimize multi-market support. As of June 24, 2025, the status of the roadmap has not been disclosed.
